Mobile banking is a technology that enables customers of a bank to performfinancial transactions and banking operations remotely from their mobile (cell phone or tablet). They can view account balance, transfer funds, pay bills and do online purchases from the comfort of their homes and offices. While it has proven to be of great value to the customers, banks have also beenable to utilize this opportunity to increase their overall business while increasing customer satisfaction simultaneously. There are many ways through which banking services could be accessible on mobile, like use of smartphone applications, text messages and USSD, ensuring the widespread use of this service. Even though mobile banking has emerged out to be a very successful and scalable disruptive technology, there are a lot of challenges like interoperability and securityof transactions, which still need attention and immediate resolution.

KEYWORDS: Mobile Banking, Banking Operations, Cell Phone or Tablet, USSD.