Technological and informational inovations have enabled the digital transformation of buisness of companies of different structures. With the development of advanced technologies, conducting transactions is easier than ever. Cash, credit and loyalty cards will soon be a thing of the past as the presence of digital wallets in the market grows daily. To stay competitive, banks are forced to follow this trend an offer up to date services to their clients. PayPal is the most used digital method of paying in the world, and the number of its users as well as performed transactions, grows each year. Croatian banks started to follow world trends, and the first one to start is Privredna banka Zagreb, which provides the service of Google wallets and Apple Pay app to it's users. They can install theese apps and make their purchases with their mobile phones. Croatia also has its first digitl wallet, Aircash. Although it provides a lot of services, many citizens don't know a lot about it. Cash useage is significantly decreasing, while at the same time, the usage of digital wallets is increasing annually. Considering a hectic lifestyle most people lead today, their spending habits have significantly changed. Speed and simplicity are by far the most important characteristics to each individual. Cash is still largely present, and to fully be replaced with digital banking, it takes a lot of time and adjustment and it is also questionable whether it will ever happen.