The smart banking services have been emerging as the extensive mode of the existing banking platform. The business opportunities for the private banking have also been enormous due to the online banking platform availed through the various banking applications, asPaytm, Google Pay, Bhim UPI along with the public banking platforms being registered through the official banking applications. The preferences of the consumers have surely deviated due to the faster and quicker options offered by the smart banking and yet, they are not fully comfortable using it, either because of the connectivity errors or the security reason. This paper focuses on finding the reasons, preferences and constraints faced by the smart banking users and those not using it because of the various hindrances. Even though the claims of digital banking have been those of transparency and accessibility. But the desired inclusion has not been achieved and thus, this paper aims to analyse the what and why of the smart banking services in Rajasthan.

KEYWORDS: Smart Banking, 24*7 Banking, Innovation, Adoption, Digital Banking.