The objective of this study is to identify the usability issues and the level of differences among the m-banking users on age, gender, qualification, and experience. This study employed a quantitative approach, and data is gathered through an online questionnaire from a total number of one hundred and fifty (150) respondents. The finding of this study indicates that all three banks have usability issues on privacy and reliability of them-banking application interface. This study also reveals that male users have fewer usability issues than females. The younger and the middle-aged also have fewer usability issues than the old aged. For the qualification of the users with lower qualifications, they have more usability issues than those with higher qualifications. While in years of experience using the mobile, the result shows that there are not many usability issues for the whole category of years. This study implies that it is important for the future development of the m-banking application interface to consider older-aged users and those with lower knowledge backgrounds and less experience in m-banking applications.

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