Published Paper Details:

Technological innovation has fundamentally redefined the delivery of financial services in India, placing the mobile device at the centre of the modern banking experience. The synergy between rising digital literacy, smartphone penetration, and a robust regulatory environment has accelerated the decline of traditional banking methods in Favor of automated, AI-enhanced platforms. This evolution allows for a borderless banking experience, catering to the demand for instant service. However, this transition is not uniform; while it represents a leap in operational efficiency for many, it also presents challenges in adoption for those accustomed to traditional banking interactions. This paper examines the factors influencing the transition toward mobile banking platforms among Generation Z residents in Ernakulam City, Kerala. As the first demographic to achieve maturity in a fully digitized economy, Generation Z--defined as individuals born between 1997 and 2012--exhibits financial behaviours fundamentally different from their predecessors. This cohort has matured in a global environment dominated by pervasive technology and internet connectivity. These age category people have a more accessible usage of smartphones, social media, and other digital platform aids from a young age. This study investigates how this cohort's inherent technological fluency shapes their expectations and interactions with modern banking institutions. The primary objective of this study is to identify the core motivations and systemic obstacles that dictate digital financial engagement in Ernakulam's urban environment. The research adopts a structured methodology, gathering qualitative and quantitative insights from a diverse participant pool consisting of students, young professionals, and entrepreneurs.