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VOL. 8, ISSUE 2 (2026)
A Study on factors influencing adoption and usage of Mobile Banking Applications
Authors
Deeptanshu Sharma, Dr. Madhu Menon
Abstract
This study explores the factors influencing the adoption and usage of
mobile banking applications among customers in the Raipur district. The growing
integration of digital technologies into banking has positioned mobile banking
as a key service channel, valued for its convenience and operational
flexibility. The research is guided by two objectives: examining the level of
mobile banking adoption among customers in the district and identifying the
difficulties experienced during its use. A descriptive and analytical research
design has been adopted, drawing on primary data collected from bank customers
through a structured questionnaire, along with secondary information sourced
from journals, books, bank reports, and official publications. Suitable statistical
techniques have been employed to examine adoption trends and user experiences.
The results indicate a notable level of mobile banking adoption, supported by
factors such as ease of use, time efficiency, and accessibility. At the same
time, users report concerns related to security and privacy, technical
constraints, network connectivity issues, and transaction failures. These
observations highlight important areas for improvement in mobile banking
services and offer useful direction for banks and policymakers seeking to
strengthen customer trust and encourage more effective use of digital banking
applications.
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Pages:25-29
How to cite this article:
Deeptanshu Sharma, Dr. Madhu Menon "A Study on factors influencing adoption and usage of Mobile Banking Applications". International Journal of Management and Commerce, Vol 8, Issue 2, 2026, Pages 25-29
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