Banking terrain plays a necessary part among all people. If the banking is toner-friendly also it would profit all druggies. This situation has forced us to move towards a mobile banking system. Arising technologies have supported people with mobile bias and data connections. To address this problem this design proposed an extended Honey Encryption (XHE) plan by including a medium of protection to the being stoner authentication medium. When the vicious stoner attempts to unauthorized entry to an online banking account by entering his guessed word, rather of rejecting the access and precluding them from using the operation and keeping the information secured. Mobile banking operations give an easy door-step result for guests. In the current digital and cashless frugality trend, mobile- grounded app results are scrutable and universal, expediting a wide range of banking and non- fiscal services. UPI is one of the mobile- grounded operations which grease online deals. It’s simple and dependable operation. Besides cons, there are also some retired security issues to be resolved. UPI uses a leg to complete the sale. The leg entry can be noticed by near adversaries. Hence an observational attack grounded on Shoulder surfing has become a major concern. To manage up with this issue, we come up with the result of furnishing high- position security after admitting that there was a pitfall with the supposition of the former styles. We explosively concentrate on security in our proposed system by proposing a new technique Covert Attentional Shoulder Surfing (CASS). In our offer, we also apply the RNN Classifiers to assay the geste characteristics of the stoner to descry to repel access by unauthorized people. Our result or model is also supported by all platforms. It’s designed to be used on all platforms (platform Independent) like Android, Ios, and other mobile platforms.