In the last decade, digital transformation has brought numerous changes to businesses in many industries, including the financial and banking sectors. The digital transformation of the banking sector represents the integration of digital technologies into all aspects of banking operations, including the introduction of online and mobile banking services, the application of artificial intelligence, and the development of digital banks. Digital banks represent a new generation of financial institutions and a new form of banking as they offer their services exclusively online, without physical branches. The subject of this thesis is digital banks, their advantages and disadvantages, and the way different generations perceive them. The aim of this thesis is to analyze and compare the attitudes and perceptions of generations X, Y, and Z about digital banks and their role in the future of the banking and financial sector. For the purposes of writing this thesis, secondary sources of data such as professional literature and scientific articles in the field of information technology and banking were used, and primary research was conducted in the form of a survey questionnaire. The conducted research showed that the use of digital banking services in Croatia is still at a relatively low level – approximately half of the respondents use the services of one of the digital banks. The research also confirmed the assumption that younger generations (Y and Z) adopt new technologies and new forms of banking operations more quickly and easily. However, although older generations use digital banking services less, the research showed that respondents from generation X are not averse to and are open to digital transformation and modern forms of banking.