The rapid expansion of mobile and internet banking has transformed the way consumers interact with financial services, offering unprecedented convenience and accessibility. However, the shift from traditional in-person banking to digital platforms has introduced new challenges, particularly regarding trust, security, and user confidence. This study investigates the factors influencing consumer trust and adoption of mobile banking applications, emphasizing the roles of perceived security, privacy, system quality, and user experience. Using a quantitative survey approach, data were collected from users of mobile banking services and analyzed to understand the relationship between trust and continued usage. Findings indicate that trust is a critical determinant for sustained engagement, while security measures, ease of use, and transparency significantly influence user perceptions. The study provides valuable insights for banks and financial institutions aiming to enhance consumer confidence, optimize digital service delivery, and ensure long-term adoption of mobile banking technologies.