• Anjana kumari
• Dr.kritika malhotra

Assistant Professor Anjana Kumari Abstract The rapid advancement of technology has revolutionized the banking sector, enabling financial institutions to offer seamless, personalized, and secures banking experiences through mobile applications. This dissertation provides a comparative analysis of two leading personal banking apps in India: SBI YONO (You Only Need One) by the State Bank of India and the HDFC Bank Personal Banking App. Both applications cater to diverse customer bases, offering a wide array of services that blend core banking functions with digital convenience. The study investigates and compares the features, user experience, security measures, and performance of these applications. SBI YONO serves as a comprehensive platform combining banking, investments, loans, and lifestyle services under one umbrella. It aims to cater to a broad audience, including rural and urban users, with features such as shopping integration and language support. However, its simplistic design and occasional performance issues raise concerns about user satisfaction. On the other hand, HDFC’s app emphasizes a modern, streamlined interface with advanced features like a 360-degree financial overview, card management, and seamless fund transfers. While primarily targeting tech-savvy urban users, it stands out for its reliability and user-centric approach. Security remains a critical focus for both platforms. SBI YONO employs two-factor authentication, biometric login, and fraud monitoring, though phishing vulnerabilities highlight areas for improvement. Conversely, HDFC’s app showcases robust security protocols with proactive updates and real-time transaction alerts, fostering higher trust levels.

Keywords: digital banking, mobile banking applications, user experience.

"Analysis of SBI YONO personal banking app and HDFC personal banking aap", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.12, Issue 4, page no.i361-i376, April-2025, Available :http://www.jetir.org/papers/JETIR2504851.pdf

"Analysis of SBI YONO personal banking app and HDFC personal banking aap", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.12, Issue 4, page no. ppi361-i376, April-2025, Available at : http://www.jetir.org/papers/JETIR2504851.pdf