This study explores the challenges students face while using digital banking products. The research focuses on students of KBC North Maharashtra University in Jalgaon. A structured questionnaire was used to collect data. The study includes ten key challenge areas such as navigation issues, security concerns, technical problems and user awareness. Responses from 100 students were analyzed using independent samples t-tests to check for gender-based differences. The results show that female students face more challenges in areas like security concerns and technical issues. Male students reported more problems with internet connectivity. For the other challenges there was no major difference between male and female students. The findings help understand the areas where digital banking can be made more user-friendly for young users.