Today there is tremendous growth in the use of digital banking through mobile phones in India. The entire ecosystem for digital banking has been made possible by the initiative of the Government and has received a boost on account of the present Covid-19 Pandemic scenario. With the current pace of rapid ongoing technology intervention in the financial sector via digital banking activity one witness a very huge increase in the use of financial services via technology. This has been an eye-opener to all the commercial banking activity in the country to tap the huge potential of the unbanked market area that is available across India as well as the e-commerce space. It is conservatively estimated that about 60% of the Indian population has a mobile phone. With financial tools provided in the mobiles, a handheld bank is available in every corner of India covered by telecom services. Thanks to technology and digitization, various initiatives like Jan Dhan Yojana, Direct benefit transfers, RuPay card, account dormancy, Aadhar card, Unified payment interface, Demonetization, GST, New regulatory framework, New Payment Banks, Fintech, etc., we are witnessing an ongoing "digital financial inclusion" in the country. Thanks to the digital initiative, today in India the Financial inclusion concept has become very important and has touched all aspects of society. The consumer perception towards digital payment is an important element contributing to the success of digital banking. Whether the process of digital banking will sustain and become a standard practice for all payments across domains in India or is it only a passing fancy being adopted mainly by the younger generation is a question that needs to be examined. This research is directed to understand the development of digital banking in India as well as aimed at providing a glimpse of the user’s behavior in respect of the use of digital banking, the satisfaction level, and factors that affect its adoption.to understand the user perception and future intention. The research aimed at providing a glimpse of the user’s behavior in respect of the use of digital banking, the satisfaction level, and factors that affect its adoption. It has helped to identify the challenges in digital banking and predicts a successful future prospects for digital banking in India