SAVA, C. .; WENDLING, I. .; JURKOVIĆ, M. .; ĐERVIDA, R. . THE IMPACT OF DIGITAL BANKS’ SERVICES BEFORE THE ARRIVAL OF CUSTOMERS ON THEIR EXPECTATIONS: A QUANTITATIVE ANALYSIS OF USER EXPERIENCE. ACADEMIC REVIEW, [S. l.], v. 8, n. 1, p. 169-177, 2025. DOI: 10.7251/AP2501169S. Disponível em: https://doisrpska.nub.rs/index.php/AKPGD/article/view/13373. Acesso em: 1 jul. 2026.