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VOL. 2, ISSUE 1 (2026)
Impact of mobile banking application on financial performance among banks in India (with reference to Chennai City)
Authors
A Praveen, D Deepasri
Abstract
Mobile banking is a part of E-Commerce that
enables users to access various online goods and services through digital
platforms. It offers convenient services including fund transfers and bill
payments, balance inquiries, savings tracking, and investment management,
helping customers avoid the risk of holding cash. Introduced in India in 2002
through SMS-based services, mobile banking has now evolved to support almost
all banking transactions through smartphones, computers, and laptops. Banks
have adopted mobile banking as a core strategy to save time, reduce transaction
costs, and strengthen customer involvement. Mobile banking also increases
financial literacy by helping users track income and expenses, plan budgets,
and manage their finances anytime and anywhere. However, its impact on financial
performance differs due to variations in financial awareness, technological
skills, and trust in digital platforms. This study examines the perception,
usage behaviour, benefits, challenges, and satisfaction of mobile banking users
in Chennai, along with the impact of demographic and psychological variables on
adoption and financial results.
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Pages:66-69
How to cite this article:
A Praveen, D Deepasri "Impact of mobile banking application on financial performance among banks in India (with reference to Chennai City)". International Journal of Applied Review
, Vol 2, Issue 1, 2026, Pages 66-69
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