Every day an increasing number of business ventures are founded all over the world, however, these businesses require financial services to prosper. The conventional banking model though most relied upon by businesses the entry of digital banking is transforming the banking landscape. This paper focused on digital Banking Transformation and performance. Existing secondary data on Digital Banking Transformation and Performance was examined using scoping review by searching on Google Scholar and other respective online libraries for articles about digital banking transformation. The findings indicated that the vast majority of commercial banks have put in place various approaches to ensure trade and investment. Commercial banks pursue access to financial services with the primary goal of expanding their customer base and, as a result, enhancing funds and lending records. However, increased commercial enclosure clues to an increase in Non-Performing Loans (NPLs) which jeopardizes commercial bank solidity by increasing commercial bank credit danger. The study recommended that for appropriate bank lending survival and performance, banks should improve their use of digital access, digital channels, digital value and financial Inclusion as it has recently been proved that they have an impact on the financial efficiency and performance of banks. For proper commercial bank survival and prosperity, more focus should be placed on continuing to increase the application of Debit/Credit Cards and ATM financial services, especially when working with point-of-sale money transfers, particularly in supermarkets, stores, and retail locations. As it has been demonstrated, banks need to use debit cards through effective monitoring initiatives to reduce unnecessary operational and labour costs. The governments should also assist commercial banks in combating technological crimes, hinder not only the financial system but also other businesses, thereby influencing the banking system. Keywords: Digital Access, Digital Banking Transformation, Digital Channels, Digital Value, Financial Inclusion, Regulatory policies and Performance.