Banking industry has undergone radical changes and improvements in the last few years because of digitalization, but there is little evidence for the borderline between online and offline banking regarding the customers. The habits of customers and the new competitive environment are forcing...

Over the last decade, modern, disruptive innovation and FinTech services have been developing rapidly and are becoming widely used in the banking industry, thereby transforming financial services for customers with both positive and negative implications. Our paper contributes to identifying the...