With the drastic advancement of the technology and the boom in e commerce in the recent years changed the people’s buying pattern and their way of doing transactions. The banking sector of India is said to be the capitalized enough. The economic state of the country is said to be very good when compared to other countries around the world. Talking about the credit, liquidity and market risk the Indian economy has taken the economic downturn very well. The Indian banking industry has been growing with emerging innovations like digital payments and small financial institutions. People have moved from the offline banking transactions to the online transactions or mobile banking using their smart phones and internet etc.,. Mobile banking (M-Banking) is the product of the online banking which lays the emphasis on providing the safe and secure access to the individual bank accounts and perform transactions using their smartphones anytime and anywhere. This shift among the people towards the online transactions have created the mobile wallets, payments bank and UPI transactions. The transactions customers were processing traditionally through retail banking may become redundant as over-emphasis relies on the technological domain, Online Banking, internet banking or mobile banking the awareness is deployed by the Governmental organizations and the Head Offices of the Banks. To understand the Behavioural intention to use mobile banking was the purpose of this study. Questionnaire were distributed across the population who uses mobile banking services in Udupi district. The study consist of sample size of 250 responses.