Observing that the country has made rapid strides as far as adoption of digital technology is concerned, he mentioned that as a result, India has the maximum number of mobile and internet banking users in the world. In this era of digital banking, he said, "any institution or bank which is not investing enough resources both in terms of manpower, as well as the financial investment in digital and latest technologies, won't be able to survive."source https://economictimes.indiatimes.com/industry/banking/finance/banking/investment-in-technology-upgradation-must-for-survival-of-banks-sbi-chairman-rajnish-kumar/articleshow/77113975.cms
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