Digital Banking has seen remarkable growth in both advanced and developing economies, but it is particularly intriguing in a number of emerging nations like India. However, mobile banking systems encounter a number of benefits as well as barriers. The failure of banking clients to embrace mobile banking is a significant challenge. Purpose: The study aims to provide light on the skepticism around applications for mobile banking. The present standards for evaluating user resistance to mobile banking apps are modified by this research. The study used the Innovation Resistance Model to examine the relationships between a number of consumer barriers and their behavioral intent to use mobile banking apps, as well as their perception of trust. Design/Methodology Approach: Primary data from 500 respondents through questionnaire has been collected through simple random sampling technique. Partial Least Square- Structural Equation Modelling Technique is applied to analyse the results. Findings: The study found that the value barrier along with traditional barriers, served as a major deterrent to people's non adoption of mobile banking. The findings suggest that the removal of barriers related with customers' perceptions of value as well as risk in banking are also important factors, followed by the provision of information and awareness programmes by financial institutions. Practical Implication: Customers can benefit in a number of ways from mobile banking features, some of which may have far-reaching effects on the digital economy. The study will assist banks in understanding and implementing strategies for the adoption process, enabling them to improve the quality of services offered to their customers. Theoretical Implication: This study aims to give an insight on consumers’ behavioural intention towards the factors considered as resistance for the adoption of technology under Innovation Resistance Technology Model.