Objective: - To make mobile banking system adaptable with easy hands on access to its beneficial features among Indian banking customers with high end access to digital payment system.

Methodology: - An empirical study comprised a sample of 170 respondents were data was collected based on convenience sampling through a structured questionnaire created on five-point likert scale.

Data Analysis: - Mean and t-test was applied to identify the results.

Conclusion: - Banks must take collective efforts to organize campaigns to make customers aware about the benefits of mobile banking in order to make them adopt the technology as the future of Indian banking relies on technology-based devices.

Keywords: Mobile banking; Adoption intention; customer adaptability, features of M-banking