Abstract

Mobile banking is one of the most recent trends in banking and banks are always working to improve their mobile banking services to meet consumers' ever-changing demands and priorities. Mobile banking has grown as one of the most important and practical tools for a country's financial transaction digitalization. The current study comprises all people of Punjab who have access to a Smartphone and who have a bank account, which is the whole population of the province. It is necessary for customers to have a bank account in order to use mobile banking services.It is necessary to collect data that characterizes occurrences before organizing, tabulating, depicting, and describing the data gathered in descriptive research. We can say that despite the fact that the state's administration has made significant efforts to achieve digitization and e-literacy; resources have not been properly channeled towards educating people about mobile banking mobile banking services like USSD and UPI are unknown to the majority of individuals in the state. Overall, there was a substantial disparity in people's awareness about mobile banking in general.

Key words: consumer, knowledge, use, awareness, mobile banking, etc.