The process of digital transformation entails the development of inclusive and reliable financial infrastructure considered to be crucial for economic stability, especially in developing and transition economies. The financial sector of Kosovo is mainly dominated by commercial banks which heavily rely on the deposits of private clients as the main source of funding, thus customer loyalty is essential for their funding stability. In line with the Sustainable Development Goal 9 which underlies the significance of innovation and sustainable industrialization, the purpose of this research is to investigate the dimensions of e-banking service quality, service price, and the impact of socio-demographic factors on customer satisfaction and loyalty within the banking sector in the Republic of Kosovo. This study applied both qualitative and quantitative methods to collect data and analyze research results. It was noted that the service quality of e-banking emerged with a positive impact on customer satisfaction, yet exerted no significantly direct impact on customer loyalty. Reliability, as a dimension of e-banking service quality, turned out to be the key factor that positively influenced customer satisfaction, followed by responsiveness and sensitivity. Besides, financial innovation was positively perceived by the bank clients in developing countries, despite the adverse impact derived from the negative relationship between price and loyalty. Therefore, precisely identifying and perceiving potential factors that influence e-banking satisfaction and client loyalty is crucial to support efforts striving towards financial inclusion. The findings in the current study suggest that a balanced approach that encourages innovation while maintaining fair pricing strategies is indispensable to ensuring that the positive impact of e-banking translates into a bank’s financial stability in the developing countries. This study offers insightful knowledge for commercial banks and regulators who are interested in factors affecting progressive digital financial inclusion in emerging banking sectors.