Purpose of the study The aim of this study is to explore how service quality impacts customer satisfaction, specifically in the realm of online banking services offered by both public and private financial entities. It attempts to explain the importance of buyer sentiment as a pivotal factor influencing the connection between perceived threats faith and customer satisfaction. Through a comprehensive analysis of these interrelations, this study aspires to pinpoint the critical determinants that affect customers’ experiences and satisfaction levels within the realm of online banking. The outcomes of this research will furnish essential insights for banking institutions to refine their digital service methodologies, augment customer trust and mitigate perceived risks, thereby ultimately facilitating enhanced customer engagement and a competitive edge within the digital banking sector. Design/ Methodology: A meticulously designed structured questionnaire was employed to execute the survey systematically. Data acquisition occurred through both offline and online modalities, with digital responses obtained via Google Forms. Participants were chosen utilising a blend of random sampling and convenience sampling methodologies to guarantee sufficient representation. Following the processes of data screening and validation, a total of 237 responses were deemed suitable for analytical purposes Findings: The research ascertained that the quality of service exerts a substantial effect on customer satisfaction within the domain of online banking. The disposition of customers serves as a mediating factor in the interplay among perceived risk, trust and overall satisfaction. Private sector banking institutions exhibited marginally elevated levels of customer satisfaction relative to their public sector counterparts, thereby underscoring the imperative for enhanced digital service quality in public banking entities. Limitations: The research is confined to four specifically chosen financial institutions and a sample cohort comprising 237 individuals, which may not adequately reflect the extensive demographic of online banking clientele throughout India. Originality Value: This research provides novel perspectives by investigating the intermediary function of customer attitudes in the context of perceived risk, trust and satisfaction within online banking environments. Additionally, it adds important insights by looking at both public and private banks, which helps improve strategies in digital systems. Paper Type: Research Paper