Rapidly changing changes in the context of globalization are greatly affecting the banking system, which requires the development of new products and services with an emphasis on digitalization. Given changes in the demand for financial services, banks are responding to digital challenges using a variety of approaches and innovations. Changing consumer habits and the new competitive environment are influencing the development of digitalization, and the evolution of digital distribution channels is a factor that increases the competitiveness of banks and has the greatest impact on increasing banking activities. The digitalization of banks is a challenge facing the banking industry and requires innovations to which all business processes must adapt. The development of information and communication technologies in the digital age has significant and different effects onall sectors, and changes in the business ecosystem affect the strategic decisions of the organization related to the internal and external environment. The aim of this paper is to analyze the functionality of existing mobile applications on the banking market of the Republic of Croatia and to determine the satisfaction and attitudes of respondents about the used applications. The research results showed that users of mobile and internet banking are satisfied with the services and that the use of mobile and internet banking has a positive impact on bank operations.