This paper analyzes the impact of digitalization on the banking sector, with a particular focus on the perceptions and behaviors of Generations X, Y, and Z in their use of banking services. The banking sector has undergone significant changes due to technological advancements, evolving from traditional branch-based operations to widespread digitalization, including mobile and online banking. The paper examines historical changes in the development of banking and the influence of modern technologies on daily banking operations. Special attention is given to comparing the attitudes and behaviors of different generations in utilizing banking services, emphasizing differences in technological literacy and preferences for digital tools. The results of the survey show that younger generations, especially Generation Z, prefer digital channels, while Generation X demonstrates greater resistance to digitalization, maintaining trust in traditional methods. Key factors influencing service choices, such as security, convenience, and speed, were analyzed, along with their role in shaping future banking trends. This paper provides insights into the challenges banks face in adapting to their customers and highlights the need for further education and adaptation of digital solutions to meet the needs of different generations. In conclusion, the paper contributes to the understanding of how banks can improve their services to align with the expectations of modern users.