This study aimed to identify the impact of Smart Applications Characteristics on the Quality of Banking Services in Commercial Banks in Qatar State , the dimensions of smart applications characteristics represented in (easy to use, availability, privacy), and the dimensions of the quality banking services represented in (Responsiveness, Dependability, and Security), simple random sample of (380) customers of commercial banks in Qatar was selected, the study used the descriptive analytical approach, and reached a set of results, the most important of which: there is Statistically significant impact of the characteristics of smart applications on the quality of banking services in commercial banks in Qatar state, also the characteristics work to provide an appropriate environment in enhancing the quality of banking services that are provided through smart applications , the study recommended management of commercial banks in Qatar state pay attention to the provision of smart applications characterized by smooth and easy use and , also updating smart applications continuously to ensure the availability and ensure that applications are secureof privacy and confidentiality when using applications