DIGITAL BANKING SERVICES: CUSTOMERS’ PROS AND CONS. A THEORICAL LITERATURE REVIEW

Abstract

This paper is a synthesis of several theoretical works on the pros and cons of digital banking services. The objective is to allow future users of digital banking services to have a clearer idea of the pros that these services can offer. In fact, pros are many: availability, mobility, time saving, ease of access to services, autonomy in the relationship with the bank, reducing banking service prices and increasing interest rates on deposits, online bill payment, knowing about bank products, non-discrimination of technology and environment friendly. As for cons, they include: absence of human contact, complexity, fear of insecurity, no or slow internet connection, limited scope of the services offered, unnecessary letters and notifications and high using costs.