Sava, Cipriana, Ivana Wendling, Martina Jurković, and Ružica Đervida. “THE IMPACT OF DIGITAL BANKS’ SERVICES BEFORE THE ARRIVAL OF CUSTOMERS ON THEIR EXPECTATIONS: A QUANTITATIVE ANALYSIS OF USER EXPERIENCE”. ACADEMIC REVIEW 8, no. 1 (June 30, 2025): 169-177. Accessed July 1, 2026. https://doisrpska.nub.rs/index.php/AKPGD/article/view/13373.