The study of the lending sector, particularly in the context of digital lending, highlights the online credit top-up feature available through various applications. Lending refers to the process of distributing or borrowing funds, wherein customers engage in borrowing activities. Financial institutions, acting as lenders, typically earn profits through interest rates charged on these loans. This manuscript seeks to examine the public banking sector’s relationship with digital lending, employing methods grounded in literature reviews and analyses conducted using the NVivo software. The researcher aims to identify key themes and sub-themes, along with their antecedent variables, to evaluate the effectiveness of digital lending practices. Furthermore, it is essential for managers to recognize the numerous factors that influence the enhancement of digital lending within the financial ecosystem.