Shifting Perceptions and Behaviors: The Impact of Digitalization on Banking Services. - Alina Elena Ionascu; Vlad I. Bocanet; Nicoleta Asalos; Cristina Mihaela Lazar; Elena Cerasela Spatariu; Corina Aurora Barbu; Dorinela Nancu (J. Theor. Appl. Electron. Commer. Res., 2025)