This thesis examines consumer attitudes towards online banking, with a special emphasis on mobile and internet banking. The aim of the research was to identify factors that influence the tendency to use online banking services and to examine the correlations between the demographic and economic characteristics of consumers and the frequency of using these services. Factors such as age, level of education and income were analyzed, and their influence on the attitudes and satisfaction of users with online banking. The research was conducted using a survey questionnaire on a sample of 275 respondents of different age groups. The results showed that age significantly affects the use of online banking services, with younger respondents showing a greater preference for online banking compared to older ones. Level of education and income did not prove to be statistically significant factors. Consumers have recognized the practicality of online banking in terms of saving time and avoiding physical trips to banks. Also, the majority of respondents believe that online banking represents the future of banking and that it is safe to use. These positive attitudes towards online banking indicate growing user confidence and acceptance of digital banking services. This paper lays the groundwork for further research that could include sample expansion, longitudinal studies, more detailed customer segmentation, and research into the impact of new technologies on online banking use.