Shifting Perceptions and Behaviors: The Impact of Digitalization on Banking Services. - Ionașcu, Alina Elena; Bocanet, Vlad I.; Asaloș, Nicoleta; Lazăr, Cristina Mihaela; Spătariu, Elena Cerasela; Barbu, Corina Aurora; Nancu, Dorinela (Journal of Theoretical & Applied Electronic Commerce Research, 2025)