Indian banks, including major players like Bajaj Finance, UCO Bank, and Bank of Baroda, face obstacles in their digital expansion plans due to outdated technology, regulatory challenges, and talent shortages. Bajaj Finance was directed to halt credit offerings for non-compliant products, UCO Bank suspended its online payments system temporarily, and Bank of Baroda is investigating irregularities in customer onboarding. The financial institutions are striving to modernize legacy systems, integrate data, and overcome talent shortages as they compete for deposits and aim to enhance customer relationships. While efforts are underway, smaller players are noted for their agility in navigating these challenges.