This research investigates the factors influencing customer trust and loyalty towards mobile banking applications and the Unified Payments Interface (UPI) in Pollachi Town, emphasizing the elements that affect their adoption and continued use. As financial services in India rapidly digitalize, mobile banking and UPI have become essential for daily transactions. Nevertheless, building customer confidence poses a significant challenge for the broader acceptance of these services. Utilizing a quantitative methodology, this study collects data from users of mobile banking apps and UPI via surveys. It identifies key factors such as security issues, user-friendliness, transaction dependability, and customer service as critical influences on trust and loyalty. The findings underscore the importance of security and reliability in cultivating customer trust, which subsequently enhances loyalty. In light of these results, the study proposes practical strategies to improve customer experiences and strengthen trust, thereby encouraging sustained engagement with digital banking solutions.