With the increase in the usage of digital devices, digital banking has become an important factor for banks. In past, bank performances depended on branch sales but digital banking has become the main tool in retaining and capturing new customers. FinTech is a technology that can provide new and improved financial services. It is important to adopt digital trends and improve the banking experience to increase customer experience. There are new advanced technologies and methods for the customer to complete transactions such as mobile banking, blockchain technology and, wearable devices. Although technology allowed customer to instantly access their accounts and conduct online transactions it also encouraged illicit financial activity. By following global trends, the Croatian banking sector also adopted digital banking and they published their version of banking apps such as m-zaba and mHPB to keep competitive advantages and increase customer satisfaction. Digital banking removes paper transactions while also reducing operational costs which simplifies doing business in every sector. During the coronavirus pandemic in 2020, some businesses banned the use of cash to protect employees and customers, opting for contactless payment while people who were confined home, massively used online shopping. Digital payment transitioned from being convenient to become a necessity.