The study is designed to understand the concept of Mobile Banking. An attempt has been made to study the need for Mobile banking and its growth in India. The banking system has been transformed from traditional branch banking to technology-based banking which provides the customers a platform where financial services are provided through utility applications of mobile phones. The constant developments and inventions in the field of electronics and technology led to the growth of standard products and services. Mobile banking can be considered one of such services which can be referred to as a precious innovation of a digital platform for availing banking services. Mobile banking can be considered an opportunity for the banking sector for maintaining a crucial customer base by providing them with quick, convenient, and quality financial solutions. The objective of the study is particularly confined to studying the dimensions of Mobile banking covering the trend in the current era and the future expectations of mobile banking in India. It is conceptual research based on a descriptive study with available literature. The findings increase the understanding of the growth of mobile banking and its current scenario in Indian society.

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Keywords: Mobile Banking, Digital Platform, Utility Applications, Technology-based Banking.