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 banks to address their digitalisation process as a matter of urgency … if they are not to be left behind in a market which finds itself in the full throes of transformation. The customers want …

empowered and tech-savvy customers. As a result of these changes, it is important to capture the new reality in relation to the … banking environment, through the views of customers. This study aims to explore customers’ attitudes towards the use of … digital services and applications in banking sector. In particular, it aims to identify the factors that affect customers …