The acceptance of modern banking is not easy for everyone, as technology is not always readily accessible or understood by the entire population. Digital banking services offer a wide range of features, from viewing balances to making international payments, and these services cater to the masses rather than specific individuals. Most digital banking services do not have distinct segmentation for different customer groups, as they are offered equally to all, regardless of age or education. However, some of these services remain unknown to large segments of the population that may need them the most. In the digital banking landscape, every customer holds significant importance, making it essential to study how banking services can effectively reach everyone in society and what factors influence the adoption and usage of innovative banking technologies. These services must fulfil customer needs while minimizing routine banking efforts. This study explores the various digital banking services available and how they become accessible and familiar to users. It identifies the recipients of effective communication regarding digital banking and examines how age and education influence service usage habits. Both primary and secondary data were used for analysis, with primary data collected from 88 respondents through a convenient sampling method in Karnataka. Bivariate tables were constructed to analyse different age groups and their level of knowledge regarding digital banking. The study employed descriptive and inferential statistics, percentages, comparison methods, and charts for analysis. A comparison between mobile banking and internet banking for routine transactions was also conducted, revealing that banking applications on mobile devices have a higher diffusion rate than internet banking. The usage of both mobile and internet banking depends on individuals' knowledge levels, and continuous awareness initiatives help increase adoption, particularly among middle-aged and educated individuals, leading to a higher diffusion rate of digital banking services. Ultimately, this shift transforms banking habits from traditional methods to a more virtual system.