The innovative technology in the banking industry has been constantly evolving. Innovative technology based operations in the banking sector enable customers to avail banking services from the comfort of their own home. It facilitates customers to conduct their banking activities without visiting brick and mortar system .Different mobile apps of different banks are coming up with new look and extra features from time to time. Many banking companies have launched their own applications that can be easily installed on mobile devices to provide services and facilities to customers. Now a days, mobile apps offered by banks are working as a financial super market. Paperless and cardless transactions are offered by many banks via mobile apps .Countless things can be done through mobile banking apps.However, customers are not utilizing mobile banking apps in a full-fledged manner. Focusing on this the author has conducted a study on perception of customers towards mobile banking in the Ottapalam Municipality .Convenience sampling technique is adopted to collect responses from 108 respondents. Both original as well as secondary data are used to organize the study .Non-parametric test such as Mann-Whitney U test, Kruskal Wallis test and Chi-square are the statistical tests applied and executed through SPSS to analyze the collected data. The output generated by conducting this study will be useful in the hands of banking personnel to take more endeavors to extend the number of beneficiaries and to overcome the hindrances of mobile banking.