The Influence of Mobile Banking on Enhancing Digital Financial Inclusion Among Commercial Bank Customers: A Study in Mangaluru City

This study examines how mobile banking enhances financial inclusion in Mangaluru, where smartphone and internet adoption enable users to manage finances digitally instead of visiting branches. Surveying 100 bank customers, it explores usage frequency, motivations, and impact. Findings reveal high popularity, especially among youth (64% aged 18–25) and women (72%). Most users (90%) find mobile banking easy and beneficial; 78% prefer it over physical branches, and 94% believe it aids the previously unbanked. Key drivers include convenience, time-saving, and branch avoidance. However, challenges persist: over half report poor internet connectivity, while security concerns, app complexity, and distrust hinder adoption. The study concludes that while mobile banking significantly expands access to financial services, broader inclusion requires improved internet infrastructure, enhanced security measures, and targeted support for older and less tech-literate users. With better awareness and user-centric design, mobile banking can further democratize financial access in Mangaluru. Keywords: Mobile banking, financial inclusion, Easy access to banking, Internet connection, User trust