The growth of digital financial services has revolutionised the way consumers interact with banks, making online banking a key channel for financial transactions. This study aims to evaluate customer perceptions and preferences regarding online banking in the context of India’s evolving digital economy. It investigates how various factors—such as convenience, trust, ease of use, security features, demographic variables, and technological awareness—influence consumer attitudes and behaviours toward online banking services. A structured questionnaire was distributed to a diverse sample of 85 respondents, comprising mainly students, working professionals, and other online banking users. Data collection was carried out using both online and offline methods, and the responses were analysed through descriptive statistics, frequency tables, and graphical interpretation. The findings reveal that most users appreciate the convenience, accessibility, and time-saving nature of online banking. Security measures, such as biometric logins, two-factor authentication, and regular transaction alerts, have emerged as top priorities for consumers. Demographic factors, such as age, education, occupation, and location, also significantly influence user preferences and adoption rates. The study further explores the level of satisfaction among users and highlights key areas for improvement, including enhanced user interfaces, faster processing, and more personalised financial management tools. The majority of participants expressed interest in adopting emerging technologies like AI in future banking experiences, indicating a shift toward more tech-savvy consumer behaviour. This research provides valuable insights for financial institutions aiming to optimise online banking services, align them with consumer expectations, and address concerns that may hinder adoption. It also contributes to academic literature by bridging gaps in understanding the dynamic relationship between digital banking features and consumer satisfaction. The findings underscore the need for banks to continuously innovate and prioritise user-centric design to ensure sustained engagement and loyalty in the digital age.