FINTECH ADOPTION AMONG YOUTH: EVALUATING MOBILE BANKING EXPERIENCE OF COLLEGE STUDENTS IN URBAN AREAS

In recent years, mobile banking has emerged as a cornerstone of FinTech innovation, revolutionizing the way individuals especially youth engage with financial institutions.This study explores the adoption patterns and user satisfaction of mobile banking services among college students in urban areas.As digital natives, students play a crucial role in shaping the future trajectory of FinTech-enabled banking systems.The research focuses on evaluating mobile banking experiences across key dimensions: ease of use, security, trust, accessibility, and overall satisfaction.A structured survey conducted among college students in Mumbai indicates high usage of mobile banking for routine transactions such as fund transfers and bill payments.However, satisfaction levels are significantly influenced by app design, responsiveness, and perceived safety.The study further uncovers challenges including digital fatigue, app clutter, and inconsistent customer support.Based on these insights, actionable recommendations are proposed for banks and FinTech developers to enhance mobile banking engagement among the youth.This research contributes to the broader discourse on youth-centered financial innovation, emphasizing the importance of digital inclusion and user-centric design in the evolving FinTech landscape.