The aim of this paper is to explore the effects of digital transformation on Zagrebačka Banka and to analyze consumer attitudes and behaviors towards new digital services. The focus of the research includes the implementation of digital channels such as e-zaba and m-zaba, the possibility of online account opening and loan arrangements, as well as the introduction of m-redomat and other digital services. Digital transformation is defined as the process of integrating digital technologies into all aspects of business, resulting in changes in culture, business processes, and business models. In banking, digital transformation brings greater availability of services, reduced operational costs, and improved customer experience. Zagrebačka Banka, founded in 1914, has undergone significant changes and adaptations throughout its history and today is a leader in innovation within the Croatian banking sector. The research was conducted through a survey among users of Zagrebačka Banka to assess satisfaction with digital services. Benefits such as convenience and accessibility, as well as challenges including security aspects and the need for continuous user education, were analyzed. The results show a high level of customer satisfaction with digital services, especially among younger and more technologically literate users, while older generations may have difficulties adapting to new technologies. Changes in consumer behavior due to digital transformation include increased frequency of using mobile and internet banking and a preference for digital communication channels. These changes require Zagrebačka Banka to continuously adapt and improve its services to better meet the needs of its clients. This paper provides a comprehensive overview of the digital transformation of Zagrebačka Banka, analyzes customer satisfaction, and identifies key advantages and challenges of digital services. The research results enable the bank to further enhance its digital services and respond to the needs of modern consumers.