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  Published Paper Details:

  Paper Title

Public vs Private Banks in the Digital Era Analysing Mobile Banking Complexity

  Authors

  Dr. Sonika Gupta,  Vaikhari N. Joshi

  Keywords

Private Banks, ICICI bank, IDFC First, Public Banks, YONO SBI, PNB One, Mobile Banking, Application Design

  Abstract


The global rise of mobile banking has seen a widespread adoption of this technology amongst all age groups from various financial backgrounds and expertise. From them, the individuals ranging from age 18 to 60 are most pertinent as those individuals are amongst the highest users of mobile banking to fulfill their daily financial needs. The goal of this research is to explore the role of mobile banking app designs in shaping user experience and influencing their choice on whether to use the mobile banking platform more often or not. As part of this research, a survey was conducted, collecting data from 92 respondents, both male and female; aged between 18 and 60 years; who use mobile banking services. The responses gathered serve as a primary data source for analysing the relationship between the design aspects of mobile banking applications and their influence on user behaviour. The research affirms that design elements such as colour dynamics, homepage design, security features, and transparency are integral in determining the usability of mobile banking applications.

  IJCRT's Publication Details

  Unique Identification Number - IJCRT2512897

  Paper ID - 299302

  Page Number(s) - h878-h887

  Pubished in - Volume 13 | Issue 12 | December 2025

  DOI (Digital Object Identifier) -   

  Publisher Name - IJCRT | www.ijcrt.org | ISSN : 2320-2882

  E-ISSN Number - 2320-2882

  Cite this article

  Dr. Sonika Gupta,  Vaikhari N. Joshi,   "Public vs Private Banks in the Digital Era Analysing Mobile Banking Complexity", International Journal of Creative Research Thoughts (IJCRT), ISSN:2320-2882, Volume.13, Issue 12, pp.h878-h887, December 2025, Available at :http://www.ijcrt.org/papers/IJCRT2512897.pdf

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ISSN: 2320-2882
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Journal Starting Year (ESTD) : 2013
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ISSN and 7.97 Impact Factor Details


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ISSN
ISSN: 2320-2882
Impact Factor: 7.97 and ISSN APPROVED
Journal Starting Year (ESTD) : 2013
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