The digital banking landscape in Pollachi Taluk has undergone a significant transformation, driven by the proliferation of smartphones and government initiatives for financial inclusion. This study examines the effectiveness of mobile banking services by evaluating user awareness, perceptions, and satisfaction levels. Utilizing primary data collected from 120 respondents via a structured questionnaire and convenience sampling, the research employs percentage analysis, weighted average ranking, and Chi-square tests for data interpretation. The socio-economic profile reveals a predominantly young, female (54.16%), and rural-based (66.66%) demographic with high educational attainment. Findings indicate that users primarily value mobile banking for its functional efficiency, with "Time-saving" (Rank I, 4.467) and "Fast and reliable" transactions (Rank II, 4.435) emerging as the top perceived benefits. While overall satisfaction is high—evidenced by a strong "Ease of login" (4.44) and a 53.55% recommendation rate—a significant technical gap persists, as 47.5% of respondents remain unaware of advanced features. Chi-square results confirm that satisfaction and awareness are independent of annual income and age group, respectively. The study concludes that while mobile banking is effectively utilized for routine transactions, enhancing digital literacy and technical awareness is essential to maximize the potential of modern financial ecosystems in semi-urban regions like Pollachi.