In recent years, 'new infrastructure' has brought new opportunities to many fields, and it also plays a key role in accelerating the digital transformation of banks. This paper uses PEST analysis to analyze the difficulties and influencing factors in the digital transformation of banks, summarizes the basic mode and key points of the 'digital new infrastructure' of banks, and discusses how to use the new infrastructure to accelerate the digital transformation and upgrading of banks. Finally, it innovatively puts forward effective implementation paths in order to promote the formation of a new pattern of smart finance development in the banking industry.