The impact of technology is widespread in our lives, and it is impossible to visualize a life devoid of it. Innovations happening across the globe in different fields have made our life very relaxed and effortless. Users are now more inclined to buy goods and services online via mobile devices as a result of the move in digitalization from desktops to handheld devices. The contentment of current clients results in more services being provided at lower operational costs, which more directly leads to a rise in a bank's earnings. As a result, maintaining customers' business depends on their happiness. Consumer perception of the banking services received at the bank influences whether a customer is satisfied. The distinction is that it makes use of wireless technology-Commerce has investigated and demonstrated potential issues with mobile commerce. The use of mobile devices, such as Smartphones, tablets, and mobile phones, to access banking networks for financial services is known as mobile banking, or M-Banking. The main objective behind this research paper is to find out the problems and challenges related to Mobile Banking adoption in hilly areas as well as to find out the various suggestions and solutions to improve the situation of Mobile Banking adoption.