Mobile banking is a technology advancement that enables convenient, anytime, anywhere access to financial services. When using mobile banking, customers can access banking services via their phones without having to wait in line. It is a branchless kind of banking. The purpose of the study was to identify the prospects and challenges facing Bangladeshi mobile banking in the twenty-first century. Over 80 respondents were selected using Yaro Yamani formula from a sample of bank clients and bankers and given a standardized questionnaire. The study's goal has been perceived through the application of the descriptive research approach. Based on the study's findings, people's interest in mobile banking is growing daily due to its advantages. Certain banks do not presently offer all mobile banking services, and not all respondents are aware of all the mobile banking options available. Fast data transfer and cost-effective usage are two factors that entice customers. Some of the disadvantages of mobile banking are that it is very expensive, private, complex, etc. Lowering operational risks and increasing consumer confidence in Bangladesh's mobile banking services can be achieved through robust technical information control and security procedures that ensure the integrity and confidentiality of financial transactions.
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