Internet is said to be the third most impactful revolution in the world after the agricultural and industrial revolution. The evolvement of internet had led to the dot-com burst which eventually transformed the traditional banking systems to systems like Automatic teller Machine(ATM), tele-banking, electronic fund transfer and m-banking. Technology plays a very essential role in delivering quality banking services and like any other technological innovation e-banking has also been adopted rapidly by various banks and customers. The boom of e-banking and smart phones has caused a huge shift from traditional banking habits to mobile app banking. This study explains how people living in New Delhi have adopted the mobile banking services provided by the private banks and it examines the factors which persuade the customers to use mobile app for banking. This study is helpful for both private as well as public banks as it gives an insight to what are the latest trends in m-banking and how people respond to it. How do people take mobile apps as a mode of banking service? Are customers more concerned about the ease-of-use or the risk attached with m-banking? Does difference in age group influence the customer’s m-banking behavior? The study is conducted with 200 private bank customers in New Delhi further categorized as customers already using mobile banking, customers using mobile apps for banking and customers currently not using mobile banking with age groups, using random sampling technique. The customers were surveyed with help of a structured questionnaire. Percentage method, averages, standard deviation, regression and correlation techniques have been used for data analysis.