АНАЛИЗ ОСОБЕННОСТЕЙ ИЗМЕНЕНИЯ ПОВЕДЕНИЯ ПОТРЕБИТЕЛЕЙ НА РЫНКЕ БАНКОВСКИХ УСЛУГ СТРАН МИРА

Аннотация

Consumer behavior in banking services has changed significantly due to technological advancements, shifting societal values, and evolving customer expectations. This paper aims to comprehensively understand the theoretical and methodological foundations that underlie these changes. By conducting a literature review, this study examines critical theoretical frameworks, such as the theory of planned behavior, technology acceptance model, and customer engagement theory, which offer insights into the factors influencing consumer behavior in the banking sector. Moreover, it explores methodological approaches, including surveys, interviews, and data analytics, employed to investigate and analyze consumer behavior patterns. By synthesizing existing knowledge, this paper provides valuable insights for academia and industry, helping to shape strategies that effectively adapt to the evolving dynamics of consumer behavior in the banking services market. Keywords: consumer behavior, banking services, theoretical foundations, methodological approaches, zero moments of reality, cyber citizen and consumer, generational theory, digital immigrants.