Digital transformation in personal banking has evolved from channel digitization toward strategically orchestrated ecosystem redesign focused on individualized financial engagement. In the personal banking segment, service quality is increasingly shaped by algorithmic personalization, real time behavioral analytics, embedded financial solutions, and secure digital identity infrastructures. This study examines digital transformation strategies that directly influence service quality in personal banking environments, emphasizing micro level customer interaction, adaptive platform architecture, and data governance integrity. The analysis conceptualizes service quality as a digitally mediated construct shaped by personalization depth, platform reliability, cybersecurity robustness, and seamless integration between banking and fintech ecosystems. Unlike traditional service quality models centered on expectation perception gaps, this research frames quality as an outcome of digital maturity, algorithmic precision, and customer centric innovation capacity.