The banking industry in India has witnessed the technological innovation in products and services decades ago in the form of adoption of digital platform for performing various banking transactions. But never the less, it has encountered the use of digital banking in a massive scale and on the appeal of the government to fight with a dreadful and highly contagious disease named as COVID 19. The present study is conducted with an objective to know the preference of people residing in urban and rural parts of the country, in using the digital mode of payment during the lockdown period of COVID outbreak, before its occurrence and after the normalcy resume.

Keywords: Banking Industry, Technological Innovation, Digital Platform, Digital Banking.