Emerging trends in digital banking: technologies, usability, regulation, and transformation of the financial sector

Emerging trends in digital banking: technologies,... | F1000Research "use strict";function _typeof(t){return(_typeof="function"==typeof Symbol&&"symbol"==typeof Symbol.iterator?function(t){return typeof t}:function(t){return t&&"function"==typeof Symbol&&t.constructor===Symbol&&t!==Symbol.prototype?"symbol":typeof t})(t)}!function(){var t=function(){var t,e,o=[],n=window,r=n;for(;r;){try{if(r.frames.__tcfapiLocator){t=r;break}}catch(t){}if(r===n.top)break;r=r.parent}t||(!function t(){var e=n.document,o=!!n.frames.__tcfapiLocator;if(!o)if(e.body){var r=e.createElement("iframe");r.style.cssText="display:none",r.name="__tcfapiLocator",e.body.appendChild(r)}else setTimeout(t,5);return!o}(),n.__tcfapi=function(){for(var t=arguments.length,n=new Array(t),r=0;r 3&&2===parseInt(n[1],10)&&"boolean"==typeof n[3]&&(e=n[3],"function"==typeof n[2]&&n[2]("set",!0)):"ping"===n[0]?"function"==typeof n[2]&&n[2]({gdprApplies:e,cmpLoaded:!1,cmpStatus:"stub"}):o.push(n)},n.addEventListener("message",(function(t){var e="string"==typeof t.data,o={};if(e)try{o=JSON.parse(t.data)}catch(t){}else o=t.data;var n="object"===_typeof(o)&&null!==o?o.__tcfapiCall:null;n&&window.__tcfapi(n.command,n.version,(function(o,r){var a={__tcfapiReturn:{returnValue:o,success:r,callId:n.callId}};t&&t.source&&t.source.postMessage&&t.source.postMessage(e?JSON.stringify(a):a,"*")}),n.parameter)}),!1))};"undefined"!=typeof module?module.exports=t:t()}(); dataLayer = dataLayer || []; // Standard GTM initialization - Google Consent Mode handles consent automatically (function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start': new Date().getTime(),event:'gtm.js'});var f=d.getElementsByTagName(s)[0], j=d.createElement(s),dl=l!='dataLayer'?'&l='+l:'';j.async=true;j.src= 'https://www.googletagmanager.com/gtm.js?id='+i+dl+ '>m_auth=hzk0Vc3qFsQYhCrIoHz68A>m_preview=env-1>m_cookies_win=x';f.parentNode.insertBefore(j,f); })(window,document,'script','dataLayer','GTM-MWFK8L5J'); ;window.NREUM||(NREUM={});NREUM.init={distributed_tracing:{enabled:true},privacy:{cookies_enabled:true},ajax:{deny_list:["bam.nr-data.net"]}}; ;NREUM.loader_config={accountID:"438030",trustKey:"438030",agentID:"772317073",licenseKey:"97f8f67f26",applicationID:"772317073"} ;NREUM.info={beacon:"bam.nr-data.net",errorBeacon:"bam.nr-data.net",licenseKey:"97f8f67f26",applicationID:"772317073",sa:1} ;/*! For license information please see nr-loader-spa-1.236.0.min.js.LICENSE.txt */ (()=>{"use strict";var e,t,r={5763:(e,t,r)=>{r.d(t,{P_:()=>l,Mt:()=>g,C5:()=>s,DL:()=>v,OP:()=>T,lF:()=>D,Yu:()=>y,Dg:()=>h,CX:()=>c,GE:()=>b,sU:()=>_});var n=r(8632),i=r(9567);const o={beacon:n.ce.beacon,errorBeacon:n.ce.errorBeacon,licenseKey:void 0,applicationID:void 0,sa:void 0,queueTime:void 0,applicationTime:void 0,ttGuid:void 0,user:void 0,account:void 0,product:void 0,extra:void 0,jsAttributes:{},userAttributes:void 0,atts:void 0,transactionName:void 0,tNamePlain:void 0},a={};function s(e){if(!e)throw new Error("All info objects require an agent identifier!");if(!a[e])throw new Error("Info for ".concat(e," was never set"));return a[e]}function c(e,t){if(!e)throw new Error("All info objects require an agent identifier!");a[e]=(0,i.D)(t,o),(0,n.Qy)(e,a[e],"info")}var u=r(7056);const d=()=>{const e={blockSelector:"[data-nr-block]",maskInputOptions:{password:!0}};return{allow_bfcache:!0,privacy:{cookies_enabled:!0},ajax:{deny_list:void 0,enabled:!0,harvestTimeSeconds:10},distributed_tracing:{enabled:void 0,exclude_newrelic_header:void 0,cors_use_newrelic_header:void 0,cors_use_tracecontext_headers:void 0,allowed_origins:void 0},session:{domain:void 0,expiresMs:u.oD,inactiveMs:u.Hb},ssl:void 0,obfuscate:void 0,jserrors:{enabled:!0,harvestTimeSeconds:10},metrics:{enabled:!0},page_action:{enabled:!0,harvestTimeSeconds:30},page_view_event:{enabled:!0},page_view_timing:{enabled:!0,harvestTimeSeconds:30,long_task:!1},session_trace:{enabled:!0,harvestTimeSeconds:10},harvest:{tooManyRequestsDelay:60},session_replay:{enabled:!1,harvestTimeSeconds:60,sampleRate:.1,errorSampleRate:.1,maskTextSelector:"*",maskAllInputs:!0,get blockClass(){return"nr-block"},get ignoreClass(){return"nr-ignore"},get maskTextClass(){return"nr-mask"},get blockSelector(){return e.blockSelector},set blockSelector(t){e.blockSelector+=",".concat(t)},get maskInputOptions(){return e.maskInputOptions},set maskInputOptions(t){e.maskInputOptions={...t,password:!0}}},spa:{enabled:!0,harvestTimeSeconds:10}}},f={};function l(e){if(!e)throw new Error("All configuration objects require an agent identifier!");if(!f[e])throw new Error("Configuration for ".concat(e," was never set"));return f[e]}function h(e,t){if(!e)throw new Error("All configuration objects require an agent identifier!");f[e]=(0,i.D)(t,d()),(0,n.Qy)(e,f[e],"config")}function g(e,t){if(!e)throw new Error("All configuration objects require an agent identifier!");var r=l(e);if(r){for(var n=t.split("."),i=0;i {r.d(t,{D:()=>i});var n=r(50);function i(e,t){try{if(!e||"object"!=typeof e)return(0,n.Z)("Setting a Configurable requires an object as input");if(!t||"object"!=typeof t)return(0,n.Z)("Setting a Configurable requires a model to set its initial properties");const r=Object.create(Object.getPrototypeOf(t),Object.getOwnPropertyDescriptors(t)),o=0===Object.keys(r).length?e:r;for(let a in o)if(void 0!==e[a])try{"object"==typeof e[a]&&"object"==typeof t[a]?r[a]=i(e[a],t[a]):r[a]=e[a]}catch(e){(0,n.Z)("An error occurred while setting a property of a Configurable",e)}return r}catch(e){(0,n.Z)("An error occured while setting a Configurable",e)}}},6818:(e,t,r)=>{r.d(t,{Re:()=>i,gF:()=>o,q4:()=>n});const n="1.236.0",i="PROD",o="CDN"},385:(e,t,r)=>{r.d(t,{FN:()=>a,IF:()=>u,Nk:()=>f,Tt:()=>s,_A:()=>o,il:()=>n,pL:()=>c,v6:()=>i,w1:()=>d});const n="undefined"!=typeof window&&!!window.document,i="undefined"!=typeof WorkerGlobalScope&&("undefined"!=typeof self&&self instanceof WorkerGlobalScope&&self.navigator instanceof WorkerNavigator||"undefined"!=typeof globalThis&&globalThis instanceof WorkerGlobalScope&&globalThis.navigator instanceof WorkerNavigator),o=n?window:"undefined"!=typeof WorkerGlobalScope&&("undefined"!=typeof self&&self instanceof WorkerGlobalScope&&self||"undefined"!=typeof globalThis&&globalThis instanceof WorkerGlobalScope&&globalThis),a=""+o?.location,s=/iPad|iPhone|iPod/.test(navigator.userAgent),c=s&&"undefined"==typeof SharedWorker,u=(()=>{const e=navigator.userAgent.match(/Firefox[/\s](\d+\.\d+)/);return Array.isArray(e)&&e.length>=2?+e[1]:0})(),d=Boolean(n&&window.document.documentMode),f=!!navigator.sendBeacon},1117:(e,t,r)=>{r.d(t,{w:()=>o});var n=r(50);const i={agentIdentifier:"",ee:void 0};class o{constructor(e){try{if("object"!=typeof e)return(0,n.Z)("shared context requires an object as input");this.sharedContext={},Object.assign(this.sharedContext,i),Object.entries(e).forEach((e=>{let[t,r]=e;Object.keys(i).includes(t)&&(this.sharedContext[t]=r)}))}catch(e){(0,n.Z)("An error occured while setting SharedContext",e)}}}},8e3:(e,t,r)=>{r.d(t,{L:()=>d,R:()=>c});var n=r(2177),i=r(1284),o=r(4322),a=r(3325);const s={};function c(e,t){const r={staged:!1,priority:a.p[t]||0};u(e),s[e].get(t)||s[e].set(t,r)}function u(e){e&&(s[e]||(s[e]=new Map))}function d(){let e=arguments.length>0&&void 0!==arguments[0]?arguments[0]:"",t=arguments.length>1&&void 0!==arguments[1]?arguments[1]:"feature";if(u(e),!e||!s[e].get(t))return a(t);s[e].get(t).staged=!0;const r=[...s[e]];function a(t){const r=e?n.ee.get(e):n.ee,a=o.X.handlers;if(r.backlog&&a){var s=r.backlog[t],c=a[t];if(c){for(var u=0;s&&u {let[t,r]=e;return r.staged}))&&(r.sort(((e,t)=>e[1].priority-t[1].priority)),r.forEach((e=>{let[t]=e;a(t)})))}function f(e,t){var r=e[1];(0,i.D)(t[r],(function(t,r){var n=e[0];if(r[0]===n){var i=r[1],o=e[3],a=e[2];i.apply(o,a)}}))}},2177:(e,t,r)=>{r.d(t,{c:()=>f,ee:()=>u});var n=r(8632),i=r(2210),o=r(1284),a=r(5763),s="nr@context";let c=(0,n.fP)();var u;function d(){}function f(e){return(0,i.X)(e,s,l)}function l(){return new d}function h(){u.aborted=!0,u.backlog={}}c.ee?u=c.ee:(u=function e(t,r){var n={},c={},f={},g=!1;try{g=16===r.length&&(0,a.OP)(r).isolatedBacklog}catch(e){}var p={on:b,addEventListener:b,removeEventListener:y,emit:v,get:x,listeners:w,context:m,buffer:A,abort:h,aborted:!1,isBuffering:E,debugId:r,backlog:g?{}:t&&"object"==typeof t.backlog?t.backlog:{}};return p;function m(e){return e&&e instanceof d?e:e?(0,i.X)(e,s,l):l()}function v(e,r,n,i,o){if(!1!==o&&(o=!0),!u.aborted||i){t&&o&&t.emit(e,r,n);for(var a=m(n),s=w(e),d=s.length,f=0;fn,p:()=>i});var n=r(2177).ee.get("handle");function i(e,t,r,i,o){o?(o.buffer([e],i),o.emit(e,t,r)):(n.buffer([e],i),n.emit(e,t,r))}},4322:(e,t,r)=>{r.d(t,{X:()=>o});var n=r(5546);o.on=a;var i=o.handlers={};function o(e,t,r,o){a(o||n.E,i,e,t,r)}function a(e,t,r,i,o){o||(o="feature"),e||(e=n.E);var a=t[o]=t[o]||{};(a[r]=a[r]||[]).push([e,i])}},3239:(e,t,r)=>{r.d(t,{bP:()=>s,iz:()=>c,m$:()=>a});var n=r(385);let i=!1,o=!1;try{const e={get passive(){return i=!0,!1},get signal(){return o=!0,!1}};n._A.addEventListener("test",null,e),n._A.removeEventListener("test",null,e)}catch(e){}function a(e,t){return i||o?{capture:!!e,passive:i,signal:t}:!!e}function s(e,t){let r=arguments.length>2&&void 0!==arguments[2]&&arguments[2],n=arguments.length>3?arguments[3]:void 0;window.addEventListener(e,t,a(r,n))}function c(e,t){let r=arguments.length>2&&void 0!==arguments[2]&&arguments[2],n=arguments.length>3?arguments[3]:void 0;document.addEventListener(e,t,a(r,n))}},4402:(e,t,r)=>{r.d(t,{Ht:()=>u,M:()=>c,Rl:()=>a,ky:()=>s});var n=r(385);const i="xxxxxxxx-xxxx-4xxx-yxxx-xxxxxxxxxxxx";function o(e,t){return e?15&e[t]:16*Math.random()|0}function a(){const e=n._A?.crypto||n._A?.msCrypto;let t,r=0;return e&&e.getRandomValues&&(t=e.getRandomValues(new Uint8Array(31))),i.split("").map((e=>"x"===e?o(t,++r).toString(16):"y"===e?(3&o()|8).toString(16):e)).join("")}function s(e){const t=n._A?.crypto||n._A?.msCrypto;let r,i=0;t&&t.getRandomValues&&(r=t.getRandomValues(new Uint8Array(31)));const a=[];for(var s=0;s {r.d(t,{Bq:()=>n,Hb:()=>o,oD:()=>i});const n="NRBA",i=144e5,o=18e5},7894:(e,t,r)=>{function n(){return Math.round(performance.now())}r.d(t,{z:()=>n})},7243:(e,t,r)=>{r.d(t,{e:()=>o});var n=r(385),i={};function o(e){if(e in i)return i[e];if(0===(e||"").indexOf("data:"))return{protocol:"data"};let t;var r=n._A?.location,o={};if(n.il)t=document.createElement("a"),t.href=e;else try{t=new URL(e,r.href)}catch(e){return o}o.port=t.port;var a=t.href.split("://");!o.port&&a[1]&&(o.port=a[1].split("/")[0].split("@").pop().split(":")[1]),o.port&&"0"!==o.port||(o.port="https"===a[0]?"443":"80"),o.hostname=t.hostname||r.hostname,o.pathname=t.pathname,o.protocol=a[0],"/"!==o.pathname.charAt(0)&&(o.pathname="/"+o.pathname);var s=!t.protocol||":"===t.protocol||t.protocol===r.protocol,c=t.hostname===r.hostname&&t.port===r.port;return o.sameOrigin=s&&(!t.hostname||c),"/"===o.pathname&&(i[e]=o),o}},50:(e,t,r)=>{function n(e,t){"function"==typeof console.warn&&(console.warn("New Relic: ".concat(e)),t&&console.warn(t))}r.d(t,{Z:()=>n})},2587:(e,t,r)=>{r.d(t,{N:()=>c,T:()=>u});var n=r(2177),i=r(5546),o=r(8e3),a=r(3325);const s={stn:[a.D.sessionTrace],err:[a.D.jserrors,a.D.metrics],ins:[a.D.pageAction],spa:[a.D.spa],sr:[a.D.sessionReplay,a.D.sessionTrace]};function c(e,t){const r=n.ee.get(t);e&&"object"==typeof e&&(Object.entries(e).forEach((e=>{let[t,n]=e;void 0===u[t]&&(s[t]?s[t].forEach((e=>{n?(0,i.p)("feat-"+t,[],void 0,e,r):(0,i.p)("block-"+t,[],void 0,e,r),(0,i.p)("rumresp-"+t,[Boolean(n)],void 0,e,r)})):n&&(0,i.p)("feat-"+t,[],void 0,void 0,r),u[t]=Boolean(n))})),Object.keys(s).forEach((e=>{void 0===u[e]&&(s[e]?.forEach((t=>(0,i.p)("rumresp-"+e,[!1],void 0,t,r))),u[e]=!1)})),(0,o.L)(t,a.D.pageViewEvent))}const u={}},2210:(e,t,r)=>{r.d(t,{X:()=>i});var n=Object.prototype.hasOwnProperty;function i(e,t,r){if(n.call(e,t))return e[t];var i=r();if(Object.defineProperty&&Object.keys)try{return Object.defineProperty(e,t,{value:i,writable:!0,enumerable:!1}),i}catch(e){}return e[t]=i,i}},1284:(e,t,r)=>{r.d(t,{D:()=>n});const n=(e,t)=>Object.entries(e||{}).map((e=>{let[r,n]=e;return t(r,n)}))},4351:(e,t,r)=>{r.d(t,{P:()=>o});var n=r(2177);const i=()=>{const e=new WeakSet;return(t,r)=>{if("object"==typeof r&&null!==r){if(e.has(r))return;e.add(r)}return r}};function o(e){try{return JSON.stringify(e,i())}catch(e){try{n.ee.emit("internal-error",[e])}catch(e){}}}},3960:(e,t,r)=>{r.d(t,{K:()=>a,b:()=>o});var n=r(3239);function i(){return"undefined"==typeof document||"complete"===document.readyState}function o(e,t){if(i())return e();(0,n.bP)("load",e,t)}function a(e){if(i())return e();(0,n.iz)("DOMContentLoaded",e)}},8632:(e,t,r)=>{r.d(t,{EZ:()=>u,Qy:()=>c,ce:()=>o,fP:()=>a,gG:()=>d,mF:()=>s});var n=r(7894),i=r(385);const o={beacon:"bam.nr-data.net",errorBeacon:"bam.nr-data.net"};function a(){return i._A.NREUM||(i._A.NREUM={}),void 0===i._A.newrelic&&(i._A.newrelic=i._A.NREUM),i._A.NREUM}function s(){let e=a();return e.o||(e.o={ST:i._A.setTimeout,SI:i._A.setImmediate,CT:i._A.clearTimeout,XHR:i._A.XMLHttpRequest,REQ:i._A.Request,EV:i._A.Event,PR:i._A.Promise,MO:i._A.MutationObserver,FETCH:i._A.fetch}),e}function c(e,t,r){let i=a();const o=i.initializedAgents||{},s=o[e]||{};return Object.keys(s).length||(s.initializedAt={ms:(0,n.z)(),date:new Date}),i.initializedAgents={...o,[e]:{...s,[r]:t}},i}function u(e,t){a()[e]=t}function d(){return function(){let e=a();const t=e.info||{};e.info={beacon:o.beacon,errorBeacon:o.errorBeacon,...t}}(),function(){let e=a();const t=e.init||{};e.init={...t}}(),s(),function(){let e=a();const t=e.loader_config||{};e.loader_config={...t}}(),a()}},7956:(e,t,r)=>{r.d(t,{N:()=>i});var n=r(3239);function i(e){let t=arguments.length>1&&void 0!==arguments[1]&&arguments[1],r=arguments.length>2?arguments[2]:void 0,i=arguments.length>3?arguments[3]:void 0;return void(0,n.iz)("visibilitychange",(function(){if(t)return void("hidden"==document.visibilityState&&e());e(document.visibilityState)}),r,i)}},1214:(e,t,r)=>{r.d(t,{em:()=>v,u5:()=>N,QU:()=>S,_L:()=>I,Gm:()=>L,Lg:()=>M,gy:()=>U,BV:()=>Q,Kf:()=>ee});var n=r(2177);const i="nr@original";var o=Object.prototype.hasOwnProperty,a=!1;function s(e,t){return e||(e=n.ee),r.inPlace=function(e,t,n,i,o){n||(n="");var a,s,c,u="-"===n.charAt(0);for(c=0;c 2?n-2:0),o=2;o {r(A[T],e,w),r(E[T],e,w)})),r(l._A,"fetch",y),t.on(y+"end",(function(e,r){var n=this;if(r){var i=r.headers.get("content-length");null!==i&&(n.rxSize=i),t.emit(y+"done",[null,r],n)}else t.emit(y+"done",[e],n)})),t}const O={},j=["pushState","replaceState"];function S(e){const t=function(e){return(e||n.ee).get("history")}(e);return!l.il||O[t.debugId]++||(O[t.debugId]=1,s(t).inPlace(window.history,j,"-")),t}var P=r(3239);const C={},R=["appendChild","insertBefore","replaceChild"];function I(e){const t=function(e){return(e||n.ee).get("jsonp")}(e);if(!l.il||C[t.debugId])return t;C[t.debugId]=!0;var r=s(t),i=/[?&](?:callback|cb)=([^&#]+)/,o=/(.*)\.([^.]+)/,a=/^(\w+)(\.|$)(.*)$/;function c(e,t){var r=e.match(a),n=r[1],i=r[3];return i?c(i,t[n]):t[n]}return r.inPlace(Node.prototype,R,"dom-"),t.on("dom-start",(function(e){!function(e){if(!e||"string"!=typeof e.nodeName||"script"!==e.nodeName.toLowerCase())return;if("function"!=typeof e.addEventListener)return;var n=(a=e.src,s=a.match(i),s?s[1]:null);var a,s;if(!n)return;var u=function(e){var t=e.match(o);if(t&&t.length>=3)return{key:t[2],parent:c(t[1],window)};return{key:e,parent:window}}(n);if("function"!=typeof u.parent[u.key])return;var d={};function f(){t.emit("jsonp-end",[],d),e.removeEventListener("load",f,(0,P.m$)(!1)),e.removeEventListener("error",l,(0,P.m$)(!1))}function l(){t.emit("jsonp-error",[],d),t.emit("jsonp-end",[],d),e.removeEventListener("load",f,(0,P.m$)(!1)),e.removeEventListener("error",l,(0,P.m$)(!1))}r.inPlace(u.parent,[u.key],"cb-",d),e.addEventListener("load",f,(0,P.m$)(!1)),e.addEventListener("error",l,(0,P.m$)(!1)),t.emit("new-jsonp",[e.src],d)}(e[0])})),t}var k=r(5763);const H={};function L(e){const t=function(e){return(e||n.ee).get("mutation")}(e);if(!l.il||H[t.debugId])return t;H[t.debugId]=!0;var r=s(t),i=k.Yu.MO;return i&&(window.MutationObserver=function(e){return this instanceof i?new i(r(e,"fn-")):i.apply(this,arguments)},MutationObserver.prototype=i.prototype),t}const z={};function M(e){const t=function(e){return(e||n.ee).get("promise")}(e);if(z[t.debugId])return t;z[t.debugId]=!0;var r=n.c,o=s(t),a=k.Yu.PR;return a&&function(){function e(r){var n=t.context(),i=o(r,"executor-",n,null,!1);const s=Reflect.construct(a,[i],e);return t.context(s).getCtx=function(){return n},s}l._A.Promise=e,Object.defineProperty(e,"name",{value:"Promise"}),e.toString=function(){return a.toString()},Object.setPrototypeOf(e,a),["all","race"].forEach((function(r){const n=a[r];e[r]=function(e){let i=!1;[...e||[]].forEach((e=>{this.resolve(e).then(a("all"===r),a(!1))}));const o=n.apply(this,arguments);return o;function a(e){return function(){t.emit("propagate",[null,!i],o,!1,!1),i=i||!e}}}})),["resolve","reject"].forEach((function(r){const n=a[r];e[r]=function(e){const r=n.apply(this,arguments);return e!==r&&t.emit("propagate",[e,!0],r,!1,!1),r}})),e.prototype=a.prototype;const n=a.prototype.then;a.prototype.then=function(){var e=this,i=r(e);i.promise=e;for(var a=arguments.length,s=new Array(a),c=0;c e())),t};function m(e,t){i.inPlace(t,["onreadystatechange"],"fn-",E)}function b(){var e=this,t=r.context(e);e.readyState>3&&!t.resolved&&(t.resolved=!0,r.emit("xhr-resolved",[],e)),i.inPlace(e,f,"fn-",E)}if(function(e,t){for(var r in e)t[r]=e[r]}(o,p),p.prototype=o.prototype,i.inPlace(p.prototype,J,"-xhr-",E),r.on("send-xhr-start",(function(e,t){m(e,t),function(e){h.push(e),a&&(y?y.then(A):u?u(A):(w=-w,x.data=w))}(t)})),r.on("open-xhr-start",m),a){var y=c&&c.resolve();if(!u&&!c){var w=1,x=document.createTextNode(w);new a(A).observe(x,{characterData:!0})}}else t.on("fn-end",(function(e){e[0]&&e[0].type===d||A()}));function A(){for(var e=0;e {r.d(t,{t:()=>n});const n=r(3325).D.ajax},6660:(e,t,r)=>{r.d(t,{A:()=>i,t:()=>n});const n=r(3325).D.jserrors,i="nr@seenError"},3081:(e,t,r)=>{r.d(t,{gF:()=>o,mY:()=>i,t9:()=>n,vz:()=>s,xS:()=>a});const n=r(3325).D.metrics,i="sm",o="cm",a="storeSupportabilityMetrics",s="storeEventMetrics"},4649:(e,t,r)=>{r.d(t,{t:()=>n});const n=r(3325).D.pageAction},7633:(e,t,r)=>{r.d(t,{Dz:()=>i,OJ:()=>a,qw:()=>o,t9:()=>n});const n=r(3325).D.pageViewEvent,i="firstbyte",o="domcontent",a="windowload"},9251:(e,t,r)=>{r.d(t,{t:()=>n});const n=r(3325).D.pageViewTiming},3614:(e,t,r)=>{r.d(t,{BST_RESOURCE:()=>i,END:()=>s,FEATURE_NAME:()=>n,FN_END:()=>u,FN_START:()=>c,PUSH_STATE:()=>d,RESOURCE:()=>o,START:()=>a});const n=r(3325).D.sessionTrace,i="bstResource",o="resource",a="-start",s="-end",c="fn"+a,u="fn"+s,d="pushState"},7836:(e,t,r)=>{r.d(t,{BODY:()=>A,CB_END:()=>E,CB_START:()=>u,END:()=>x,FEATURE_NAME:()=>i,FETCH:()=>_,FETCH_BODY:()=>v,FETCH_DONE:()=>m,FETCH_START:()=>p,FN_END:()=>c,FN_START:()=>s,INTERACTION:()=>l,INTERACTION_API:()=>d,INTERACTION_EVENTS:()=>o,JSONP_END:()=>b,JSONP_NODE:()=>g,JS_TIME:()=>T,MAX_TIMER_BUDGET:()=>a,REMAINING:()=>f,SPA_NODE:()=>h,START:()=>w,originalSetTimeout:()=>y});var n=r(5763);const i=r(3325).D.spa,o=["click","submit","keypress","keydown","keyup","change"],a=999,s="fn-start",c="fn-end",u="cb-start",d="api-ixn-",f="remaining",l="interaction",h="spaNode",g="jsonpNode",p="fetch-start",m="fetch-done",v="fetch-body-",b="jsonp-end",y=n.Yu.ST,w="-start",x="-end",A="-body",E="cb"+x,T="jsTime",_="fetch"},5938:(e,t,r)=>{r.d(t,{W:()=>o});var n=r(5763),i=r(2177);class o{constructor(e,t,r){this.agentIdentifier=e,this.aggregator=t,this.ee=i.ee.get(e,(0,n.OP)(this.agentIdentifier).isolatedBacklog),this.featureName=r,this.blocked=!1}}},9144:(e,t,r)=>{r.d(t,{j:()=>m});var n=r(3325),i=r(5763),o=r(5546),a=r(2177),s=r(7894),c=r(8e3),u=r(3960),d=r(385),f=r(50),l=r(3081),h=r(8632);function g(){const e=(0,h.gG)();["setErrorHandler","finished","addToTrace","inlineHit","addRelease","addPageAction","setCurrentRouteName","setPageViewName","setCustomAttribute","interaction","noticeError","setUserId"].forEach((t=>{e[t]=function(){for(var r=arguments.length,n=new Array(r),i=0;i 1?r-1:0),i=1;i {e.exposed&&e.api[t]&&o.push(e.api[t](...n))})),o.length>1?o:o[0]}(t,...n)}}))}var p=r(2587);function m(e){let t=arguments.length>1&&void 0!==arguments[1]?arguments[1]:{},m=arguments.length>2?arguments[2]:void 0,v=arguments.length>3?arguments[3]:void 0,{init:b,info:y,loader_config:w,runtime:x={loaderType:m},exposed:A=!0}=t;const E=(0,h.gG)();y||(b=E.init,y=E.info,w=E.loader_config),(0,i.Dg)(e,b||{}),(0,i.GE)(e,w||{}),(0,i.sU)(e,x),y.jsAttributes??={},d.v6&&(y.jsAttributes.isWorker=!0),(0,i.CX)(e,y),g();const T=function(e,t){t||(0,c.R)(e,"api");const h={};var g=a.ee.get(e),p=g.get("tracer"),m="api-",v=m+"ixn-";function b(t,r,n,o){const a=(0,i.C5)(e);return null===r?delete a.jsAttributes[t]:(0,i.CX)(e,{...a,jsAttributes:{...a.jsAttributes,[t]:r}}),x(m,n,!0,o||null===r?"session":void 0)(t,r)}function y(){}["setErrorHandler","finished","addToTrace","inlineHit","addRelease"].forEach((e=>h[e]=x(m,e,!0,"api"))),h.addPageAction=x(m,"addPageAction",!0,n.D.pageAction),h.setCurrentRouteName=x(m,"routeName",!0,n.D.spa),h.setPageViewName=function(t,r){if("string"==typeof t)return"/"!==t.charAt(0)&&(t="/"+t),(0,i.OP)(e).customTransaction=(r||"http://custom.transaction")+t,x(m,"setPageViewName",!0)()},h.setCustomAttribute=function(e,t){let r=arguments.length>2&&void 0!==arguments[2]&&arguments[2];if("string"==typeof e){if(["string","number"].includes(typeof t)||null===t)return b(e,t,"setCustomAttribute",r);(0,f.Z)("Failed to execute setCustomAttribute.\nNon-null value must be a string or number type, but a type of was provided."))}else(0,f.Z)("Failed to execute setCustomAttribute.\nName must be a string type, but a type of was provided."))},h.setUserId=function(e){if("string"==typeof e||null===e)return b("enduser.id",e,"setUserId",!0);(0,f.Z)("Failed to execute setUserId.\nNon-null value must be a string type, but a type of was provided."))},h.interaction=function(){return(new y).get()};var w=y.prototype={createTracer:function(e,t){var r={},i=this,a="function"==typeof t;return(0,o.p)(v+"tracer",[(0,s.z)(),e,r],i,n.D.spa,g),function(){if(p.emit((a?"":"no-")+"fn-start",[(0,s.z)(),i,a],r),a)try{return t.apply(this,arguments)}catch(e){throw p.emit("fn-err",[arguments,this,"string"==typeof e?new Error(e):e],r),e}finally{p.emit("fn-end",[(0,s.z)()],r)}}}};function x(e,t,r,i){return function(){return(0,o.p)(l.xS,["API/"+t+"/called"],void 0,n.D.metrics,g),i&&(0,o.p)(e+t,[(0,s.z)(),...arguments],r?null:this,i,g),r?void 0:this}}function A(){r.e(439).then(r.bind(r,7438)).then((t=>{let{setAPI:r}=t;r(e),(0,c.L)(e,"api")})).catch((()=>(0,f.Z)("Downloading runtime APIs failed...")))}return["actionText","setName","setAttribute","save","ignore","onEnd","getContext","end","get"].forEach((e=>{w[e]=x(v,e,void 0,n.D.spa)})),h.noticeError=function(e,t){"string"==typeof e&&(e=new Error(e)),(0,o.p)(l.xS,["API/noticeError/called"],void 0,n.D.metrics,g),(0,o.p)("err",[e,(0,s.z)(),!1,t],void 0,n.D.jserrors,g)},d.il?(0,u.b)((()=>A()),!0):A(),h}(e,v);return(0,h.Qy)(e,T,"api"),(0,h.Qy)(e,A,"exposed"),(0,h.EZ)("activatedFeatures",p.T),T}},3325:(e,t,r)=>{r.d(t,{D:()=>n,p:()=>i});const n={ajax:"ajax",jserrors:"jserrors",metrics:"metrics",pageAction:"page_action",pageViewEvent:"page_view_event",pageViewTiming:"page_view_timing",sessionReplay:"session_replay",sessionTrace:"session_trace",spa:"spa"},i={[n.pageViewEvent]:1,[n.pageViewTiming]:2,[n.metrics]:3,[n.jserrors]:4,[n.ajax]:5,[n.sessionTrace]:6,[n.pageAction]:7,[n.spa]:8,[n.sessionReplay]:9}}},n={};function i(e){var t=n[e];if(void 0!==t)return t.exports;var o=n[e]={exports:{}};return r[e](o,o.exports,i),o.exports}i.m=r,i.d=(e,t)=>{for(var r in t)i.o(t,r)&&!i.o(e,r)&&Object.defineProperty(e,r,{enumerable:!0,get:t[r]})},i.f={},i.e=e=>Promise.all(Object.keys(i.f).reduce(((t,r)=>(i.f[r](e,t),t)),[])),i.u=e=>(({78:"page_action-aggregate",147:"metrics-aggregate",242:"session-manager",317:"jserrors-aggregate",348:"page_view_timing-aggregate",412:"lazy-feature-loader",439:"async-api",538:"recorder",590:"session_replay-aggregate",675:"compressor",733:"session_trace-aggregate",786:"page_view_event-aggregate",873:"spa-aggregate",898:"ajax-aggregate"}[e]||e)+"."+{78:"ac76d497",147:"3dc53903",148:"1a20d5fe",242:"2a64278a",317:"49e41428",348:"bd6de33a",412:"2f55ce66",439:"30bd804e",538:"1b18459f",590:"cf0efb30",675:"ae9f91a8",733:"83105561",786:"06482edd",860:"03a8b7a5",873:"e6b09d52",898:"998ef92b"}[e]+"-1.236.0.min.js"),i.o=(e,t)=>Object.prototype.hasOwnProperty.call(e,t),e={},t="NRBA:",i.l=(r,n,o,a)=>{if(e[r])e[r].push(n);else{var s,c;if(void 0!==o)for(var u=document.getElementsByTagName("script"),d=0;d {s.onerror=s.onload=null,clearTimeout(h);var i=e[r];if(delete e[r],s.parentNode&&s.parentNode.removeChild(s),i&&i.forEach((e=>e(n))),t)return t(n)},h=setTimeout(l.bind(null,void 0,{type:"timeout",target:s}),12e4);s.onerror=l.bind(null,s.onerror),s.onload=l.bind(null,s.onload),c&&document.head.appendChild(s)}},i.r=e=>{"undefined"!=typeof Symbol&&Symbol.toStringTag&&Object.defineProperty(e,Symbol.toStringTag,{value:"Module"}),Object.defineProperty(e,"__esModule",{value:!0})},i.j=364,i.p="https://js-agent.newrelic.com/",(()=>{var e={364:0,953:0};i.f.j=(t,r)=>{var n=i.o(e,t)?e[t]:void 0;if(0!==n)if(n)r.push(n[2]);else{var o=new Promise(((r,i)=>n=e[t]=[r,i]));r.push(n[2]=o);var a=i.p+i.u(t),s=new Error;i.l(a,(r=>{if(i.o(e,t)&&(0!==(n=e[t])&&(e[t]=void 0),n)){var o=r&&("load"===r.type?"missing":r.type),a=r&&r.target&&r.target.src;s.message="Loading chunk "+t+" failed.\n("+o+": "+a+")",s.name="ChunkLoadError",s.type=o,s.request=a,n[1](s)}}),"chunk-"+t,t)}};var t=(t,r)=>{var n,o,[a,s,c]=r,u=0;if(a.some((t=>0!==e[t]))){for(n in s)i.o(s,n)&&(i.m[n]=s[n]);if(c)c(i)}for(t&&t(r);u {i.r(o);var e=i(3325),t=i(5763);const r=Object.values(e.D);function n(e){const n={};return r.forEach((r=>{n[r]=function(e,r){return!1!==(0,t.Mt)(r,"".concat(e,".enabled"))}(r,e)})),n}var a=i(9144);var s=i(5546),c=i(385),u=i(8e3),d=i(5938),f=i(3960),l=i(50);class h extends d.W{constructor(e,t,r){let n=!(arguments.length>3&&void 0!==arguments[3])||arguments[3];super(e,t,r),this.auto=n,this.abortHandler,this.featAggregate,this.onAggregateImported,n&&(0,u.R)(e,r)}importAggregator(){let e=arguments.length>0&&void 0!==arguments[0]?arguments[0]:{};if(this.featAggregate||!this.auto)return;const r=c.il&&!0===(0,t.Mt)(this.agentIdentifier,"privacy.cookies_enabled");let n;this.onAggregateImported=new Promise((e=>{n=e}));const o=async()=>{let t;try{if(r){const{setupAgentSession:e}=await Promise.all([i.e(860),i.e(242)]).then(i.bind(i,3228));t=e(this.agentIdentifier)}}catch(e){(0,l.Z)("A problem occurred when starting up session manager. This page will not start or extend any session.",e)}try{if(!this.shouldImportAgg(this.featureName,t))return void(0,u.L)(this.agentIdentifier,this.featureName);const{lazyFeatureLoader:r}=await i.e(412).then(i.bind(i,8582)),{Aggregate:o}=await r(this.featureName,"aggregate");this.featAggregate=new o(this.agentIdentifier,this.aggregator,e),n(!0)}catch(e){(0,l.Z)("Downloading and initializing ".concat(this.featureName," failed..."),e),this.abortHandler?.(),n(!1)}};c.il?(0,f.b)((()=>o()),!0):o()}shouldImportAgg(r,n){return r!==e.D.sessionReplay||!1!==(0,t.Mt)(this.agentIdentifier,"session_trace.enabled")&&(!!n?.isNew||!!n?.state.sessionReplay)}}var g=i(7633),p=i(7894);class m extends h{static featureName=g.t9;constructor(r,n){let i=!(arguments.length>2&&void 0!==arguments[2])||arguments[2];if(super(r,n,g.t9,i),("undefined"==typeof PerformanceNavigationTiming||c.Tt)&&"undefined"!=typeof PerformanceTiming){const n=(0,t.OP)(r);n[g.Dz]=Math.max(Date.now()-n.offset,0),(0,f.K)((()=>n[g.qw]=Math.max((0,p.z)()-n[g.Dz],0))),(0,f.b)((()=>{const t=(0,p.z)();n[g.OJ]=Math.max(t-n[g.Dz],0),(0,s.p)("timing",["load",t],void 0,e.D.pageViewTiming,this.ee)}))}this.importAggregator()}}var v=i(1117),b=i(1284);class y extends v.w{constructor(e){super(e),this.aggregatedData={}}store(e,t,r,n,i){var o=this.getBucket(e,t,r,i);return o.metrics=function(e,t){t||(t={count:0});return t.count+=1,(0,b.D)(e,(function(e,r){t[e]=w(r,t[e])})),t}(n,o.metrics),o}merge(e,t,r,n,i){var o=this.getBucket(e,t,n,i);if(o.metrics){var a=o.metrics;a.count+=r.count,(0,b.D)(r,(function(e,t){if("count"!==e){var n=a[e],i=r[e];i&&!i.c?a[e]=w(i.t,n):a[e]=function(e,t){if(!t)return e;t.c||(t=x(t.t));return t.min=Math.min(e.min,t.min),t.max=Math.max(e.max,t.max),t.t+=e.t,t.sos+=e.sos,t.c+=e.c,t}(i,a[e])}}))}else o.metrics=r}storeMetric(e,t,r,n){var i=this.getBucket(e,t,r);return i.stats=w(n,i.stats),i}getBucket(e,t,r,n){this.aggregatedData[e]||(this.aggregatedData[e]={});var i=this.aggregatedData[e][t];return i||(i=this.aggregatedData[e][t]={params:r||{}},n&&(i.custom=n)),i}get(e,t){return t?this.aggregatedData[e]&&this.aggregatedData[e][t]:this.aggregatedData[e]}take(e){for(var t={},r="",n=!1,i=0;i t.max&&(t.max=e),e 2&&void 0!==arguments[2])||arguments[2];super(e,r,j.t,n),c.il&&((0,t.OP)(e).initHidden=Boolean("hidden"===document.visibilityState),(0,N.N)((()=>(0,s.p)("docHidden",[(0,p.z)()],void 0,j.t,this.ee)),!0),(0,O.bP)("pagehide",(()=>(0,s.p)("winPagehide",[(0,p.z)()],void 0,j.t,this.ee))),this.importAggregator())}}var P=i(3081);class C extends h{static featureName=P.t9;constructor(e,t){let r=!(arguments.length>2&&void 0!==arguments[2])||arguments[2];super(e,t,P.t9,r),this.importAggregator()}}var R,I=i(2210),k=i(1214),H=i(2177),L={};try{R=localStorage.getItem("__nr_flags").split(","),console&&"function"==typeof console.log&&(L.console=!0,-1!==R.indexOf("dev")&&(L.dev=!0),-1!==R.indexOf("nr_dev")&&(L.nrDev=!0))}catch(e){}function z(e){try{L.console&&z(e)}catch(e){}}L.nrDev&&H.ee.on("internal-error",(function(e){z(e.stack)})),L.dev&&H.ee.on("fn-err",(function(e,t,r){z(r.stack)})),L.dev&&(z("NR AGENT IN DEVELOPMENT MODE"),z("flags: "+(0,b.D)(L,(function(e,t){return e})).join(", ")));var M=i(6660);class B extends h{static featureName=M.t;constructor(r,n){let i=!(arguments.length>2&&void 0!==arguments[2])||arguments[2];super(r,n,M.t,i),this.skipNext=0;try{this.removeOnAbort=new AbortController}catch(e){}const o=this;o.ee.on("fn-start",(function(e,t,r){o.abortHandler&&(o.skipNext+=1)})),o.ee.on("fn-err",(function(t,r,n){o.abortHandler&&!n[M.A]&&((0,I.X)(n,M.A,(function(){return!0})),this.thrown=!0,(0,s.p)("err",[n,(0,p.z)()],void 0,e.D.jserrors,o.ee))})),o.ee.on("fn-end",(function(){o.abortHandler&&!this.thrown&&o.skipNext>0&&(o.skipNext-=1)})),o.ee.on("internal-error",(function(t){(0,s.p)("ierr",[t,(0,p.z)(),!0],void 0,e.D.jserrors,o.ee)})),this.origOnerror=c._A.onerror,c._A.onerror=this.onerrorHandler.bind(this),c._A.addEventListener("unhandledrejection",(t=>{const r=function(e){let t="Unhandled Promise Rejection: ";if(e instanceof Error)try{return e.message=t+e.message,e}catch(t){return e}if(void 0===e)return new Error(t);try{return new Error(t+(0,D.P)(e))}catch(e){return new Error(t)}}(t.reason);(0,s.p)("err",[r,(0,p.z)(),!1,{unhandledPromiseRejection:1}],void 0,e.D.jserrors,this.ee)}),(0,O.m$)(!1,this.removeOnAbort?.signal)),(0,k.gy)(this.ee),(0,k.BV)(this.ee),(0,k.em)(this.ee),(0,t.OP)(r).xhrWrappable&&(0,k.Kf)(this.ee),this.abortHandler=this.#e,this.importAggregator()}#e(){this.removeOnAbort?.abort(),this.abortHandler=void 0}onerrorHandler(t,r,n,i,o){"function"==typeof this.origOnerror&&this.origOnerror(...arguments);try{this.skipNext?this.skipNext-=1:(0,s.p)("err",[o||new F(t,r,n),(0,p.z)()],void 0,e.D.jserrors,this.ee)}catch(t){try{(0,s.p)("ierr",[t,(0,p.z)(),!0],void 0,e.D.jserrors,this.ee)}catch(e){}}return!1}}function F(e,t,r){this.message=e||"Uncaught error with no additional information",this.sourceURL=t,this.line=r}let U=1;const q="nr@id";function G(e){const t=typeof e;return!e||"object"!==t&&"function"!==t?-1:e===c._A?0:(0,I.X)(e,q,(function(){return U++}))}function V(e){if("string"==typeof e&&e.length)return e.length;if("object"==typeof e){if("undefined"!=typeof ArrayBuffer&&e instanceof ArrayBuffer&&e.byteLength)return e.byteLength;if("undefined"!=typeof Blob&&e instanceof Blob&&e.size)return e.size;if(!("undefined"!=typeof FormData&&e instanceof FormData))try{return(0,D.P)(e).length}catch(e){return}}}var X=i(7243);class W{constructor(e){this.agentIdentifier=e,this.generateTracePayload=this.generateTracePayload.bind(this),this.shouldGenerateTrace=this.shouldGenerateTrace.bind(this)}generateTracePayload(e){if(!this.shouldGenerateTrace(e))return null;var r=(0,t.DL)(this.agentIdentifier);if(!r)return null;var n=(r.accountID||"").toString()||null,i=(r.agentID||"").toString()||null,o=(r.trustKey||"").toString()||null;if(!n||!i)return null;var a=(0,_.M)(),s=(0,_.Ht)(),c=Date.now(),u={spanId:a,traceId:s,timestamp:c};return(e.sameOrigin||this.isAllowedOrigin(e)&&this.useTraceContextHeadersForCors())&&(u.traceContextParentHeader=this.generateTraceContextParentHeader(a,s),u.traceContextStateHeader=this.generateTraceContextStateHeader(a,c,n,i,o)),(e.sameOrigin&&!this.excludeNewrelicHeader()||!e.sameOrigin&&this.isAllowedOrigin(e)&&this.useNewrelicHeaderForCors())&&(u.newrelicHeader=this.generateTraceHeader(a,s,c,n,i,o)),u}generateTraceContextParentHeader(e,t){return"00-"+t+"-"+e+"-01"}generateTraceContextStateHeader(e,t,r,n,i){return i+"@nr=0-1-"+r+"-"+n+"-"+e+"----"+t}generateTraceHeader(e,t,r,n,i,o){if(!("function"==typeof c._A?.btoa))return null;var a={v:[0,1],d:{ty:"Browser",ac:n,ap:i,id:e,tr:t,ti:r}};return o&&n!==o&&(a.d.tk=o),btoa((0,D.P)(a))}shouldGenerateTrace(e){return this.isDtEnabled()&&this.isAllowedOrigin(e)}isAllowedOrigin(e){var r=!1,n={};if((0,t.Mt)(this.agentIdentifier,"distributed_tracing")&&(n=(0,t.P_)(this.agentIdentifier).distributed_tracing),e.sameOrigin)r=!0;else if(n.allowed_origins instanceof Array)for(var i=0;i 2&&void 0!==arguments[2])||arguments[2];super(r,n,Z.t,i),(0,t.OP)(r).xhrWrappable&&(this.dt=new W(r),this.handler=(e,t,r,n)=>(0,s.p)(e,t,r,n,this.ee),(0,k.u5)(this.ee),(0,k.Kf)(this.ee),function(r,n,i,o){function a(e){var t=this;t.totalCbs=0,t.called=0,t.cbTime=0,t.end=E,t.ended=!1,t.xhrGuids={},t.lastSize=null,t.loadCaptureCalled=!1,t.params=this.params||{},t.metrics=this.metrics||{},e.addEventListener("load",(function(r){_(t,e)}),(0,O.m$)(!1)),c.IF||e.addEventListener("progress",(function(e){t.lastSize=e.loaded}),(0,O.m$)(!1))}function s(e){this.params={method:e[0]},T(this,e[1]),this.metrics={}}function u(e,n){var i=(0,t.DL)(r);i.xpid&&this.sameOrigin&&n.setRequestHeader("X-NewRelic-ID",i.xpid);var a=o.generateTracePayload(this.parsedOrigin);if(a){var s=!1;a.newrelicHeader&&(n.setRequestHeader("newrelic",a.newrelicHeader),s=!0),a.traceContextParentHeader&&(n.setRequestHeader("traceparent",a.traceContextParentHeader),a.traceContextStateHeader&&n.setRequestHeader("tracestate",a.traceContextStateHeader),s=!0),s&&(this.dt=a)}}function d(e,t){var r=this.metrics,i=e[0],o=this;if(r&&i){var a=V(i);a&&(r.txSize=a)}this.startTime=(0,p.z)(),this.listener=function(e){try{"abort"!==e.type||o.loadCaptureCalled||(o.params.aborted=!0),("load"!==e.type||o.called===o.totalCbs&&(o.onloadCalled||"function"!=typeof t.onload)&&"function"==typeof o.end)&&o.end(t)}catch(e){try{n.emit("internal-error",[e])}catch(e){}}};for(var s=0;s 1?e[1]=i:e.push(i)}else e[0]&&e[0].headers&&s(e[0].headers,n)&&(this.dt=n);function s(e,t){var r=!1;return t.newrelicHeader&&(e.set("newrelic",t.newrelicHeader),r=!0),t.traceContextParentHeader&&(e.set("traceparent",t.traceContextParentHeader),t.traceContextStateHeader&&e.set("tracestate",t.traceContextStateHeader),r=!0),r}}function x(e,t){this.params={},this.metrics={},this.startTime=(0,p.z)(),this.dt=t,e.length>=1&&(this.target=e[0]),e.length>=2&&(this.opts=e[1]);var r,n=this.opts||{},i=this.target;"string"==typeof i?r=i:"object"==typeof i&&i instanceof Y?r=i.url:c._A?.URL&&"object"==typeof i&&i instanceof URL&&(r=i.href),T(this,r);var o=(""+(i&&i instanceof Y&&i.method||n.method||"GET")).toUpperCase();this.params.method=o,this.txSize=V(n.body)||0}function A(t,r){var n;this.endTime=(0,p.z)(),this.params||(this.params={}),this.params.status=r?r.status:0,"string"==typeof this.rxSize&&this.rxSize.length>0&&(n=+this.rxSize);var o={txSize:this.txSize,rxSize:n,duration:(0,p.z)()-this.startTime};i("xhr",[this.params,o,this.startTime,this.endTime,"fetch"],this,e.D.ajax)}function E(t){var r=this.params,n=this.metrics;if(!this.ended){this.ended=!0;for(var o=0;o 2&&void 0!==arguments[2])||arguments[2];super(e,t,we.t,r),this.importAggregator()}}new class{constructor(e){let t=arguments.length>1&&void 0!==arguments[1]?arguments[1]:(0,_.ky)(16);c._A?(this.agentIdentifier=t,this.sharedAggregator=new y({agentIdentifier:this.agentIdentifier}),this.features={},this.desiredFeatures=new Set(e.features||[]),this.desiredFeatures.add(m),Object.assign(this,(0,a.j)(this.agentIdentifier,e,e.loaderType||"agent")),this.start()):(0,l.Z)("Failed to initial the agent. Could not determine the runtime environment.")}get config(){return{info:(0,t.C5)(this.agentIdentifier),init:(0,t.P_)(this.agentIdentifier),loader_config:(0,t.DL)(this.agentIdentifier),runtime:(0,t.OP)(this.agentIdentifier)}}start(){const t="features";try{const r=n(this.agentIdentifier),i=[...this.desiredFeatures];i.sort(((t,r)=>e.p[t.featureName]-e.p[r.featureName])),i.forEach((t=>{if(r[t.featureName]||t.featureName===e.D.pageViewEvent){const n=function(t){switch(t){case e.D.ajax:return[e.D.jserrors];case e.D.sessionTrace:return[e.D.ajax,e.D.pageViewEvent];case e.D.sessionReplay:return[e.D.sessionTrace];case e.D.pageViewTiming:return[e.D.pageViewEvent];default:return[]}}(t.featureName);n.every((e=>r[e]))||(0,l.Z)("".concat(t.featureName," is enabled but one or more dependent features has been disabled (").concat((0,D.P)(n),"). This may cause unintended consequences or missing data...")),this.features[t.featureName]=new t(this.agentIdentifier,this.sharedAggregator)}})),(0,T.Qy)(this.agentIdentifier,this.features,t)}catch(e){(0,l.Z)("Failed to initialize all enabled instrument classes (agent aborted) -",e);for(const e in this.features)this.features[e].abortHandler?.();const r=(0,T.fP)();return delete r.initializedAgents[this.agentIdentifier]?.api,delete r.initializedAgents[this.agentIdentifier]?.[t],delete this.sharedAggregator,r.ee?.abort(),delete r.ee?.get(this.agentIdentifier),!1}}}({features:[J,m,S,class extends h{static featureName=oe;constructor(t,r){if(super(t,r,oe,!(arguments.length>2&&void 0!==arguments[2])||arguments[2]),!c.il)return;const n=this.ee;let i;(0,k.QU)(n),this.eventsEE=(0,k.em)(n),this.eventsEE.on(se,(function(e,t){this.bstStart=(0,p.z)()})),this.eventsEE.on(ae,(function(t,r){(0,s.p)("bst",[t[0],r,this.bstStart,(0,p.z)()],void 0,e.D.sessionTrace,n)})),n.on(ce+ne,(function(e){this.time=(0,p.z)(),this.startPath=location.pathname+location.hash})),n.on(ce+ie,(function(t){(0,s.p)("bstHist",[location.pathname+location.hash,this.startPath,this.time],void 0,e.D.sessionTrace,n)}));try{i=new PerformanceObserver((t=>{const r=t.getEntries();(0,s.p)(te,[r],void 0,e.D.sessionTrace,n)})),i.observe({type:re,buffered:!0})}catch(e){}this.importAggregator({resourceObserver:i})}},C,xe,B,class extends h{static featureName=de;constructor(e,r){if(super(e,r,de,!(arguments.length>2&&void 0!==arguments[2])||arguments[2]),!c.il)return;if(!(0,t.OP)(e).xhrWrappable)return;try{this.removeOnAbort=new AbortController}catch(e){}let n,i=0;const o=this.ee.get("tracer"),a=(0,k._L)(this.ee),s=(0,k.Lg)(this.ee),u=(0,k.BV)(this.ee),d=(0,k.Kf)(this.ee),f=this.ee.get("events"),l=(0,k.u5)(this.ee),h=(0,k.QU)(this.ee),g=(0,k.Gm)(this.ee);function m(e,t){h.emit("newURL",[""+window.location,t])}function v(){i++,n=window.location.hash,this[ve]=(0,p.z)()}function b(){i--,window.location.hash!==n&&m(0,!0);var e=(0,p.z)();this[pe]=~~this[pe]+e-this[ve],this[ye]=e}function y(e,t){e.on(t,(function(){this[t]=(0,p.z)()}))}this.ee.on(ve,v),s.on(be,v),a.on(be,v),this.ee.on(ye,b),s.on(ge,b),a.on(ge,b),this.ee.buffer([ve,ye,"xhr-resolved"],this.featureName),f.buffer([ve],this.featureName),u.buffer(["setTimeout"+le,"clearTimeout"+fe,ve],this.featureName),d.buffer([ve,"new-xhr","send-xhr"+fe],this.featureName),l.buffer([me+fe,me+"-done",me+he+fe,me+he+le],this.featureName),h.buffer(["newURL"],this.featureName),g.buffer([ve],this.featureName),s.buffer(["propagate",be,ge,"executor-err","resolve"+fe],this.featureName),o.buffer([ve,"no-"+ve],this.featureName),a.buffer(["new-jsonp","cb-start","jsonp-error","jsonp-end"],this.featureName),y(l,me+fe),y(l,me+"-done"),y(a,"new-jsonp"),y(a,"jsonp-end"),y(a,"cb-start"),h.on("pushState-end",m),h.on("replaceState-end",m),window.addEventListener("hashchange",m,(0,O.m$)(!0,this.removeOnAbort?.signal)),window.addEventListener("load",m,(0,O.m$)(!0,this.removeOnAbort?.signal)),window.addEventListener("popstate",(function(){m(0,i>1)}),(0,O.m$)(!0,this.removeOnAbort?.signal)),this.abortHandler=this.#e,this.importAggregator()}#e(){this.removeOnAbort?.abort(),this.abortHandler=void 0}}],loaderType:"spa"})})(),window.NRBA=o})(); window.jQuery || document.write(' ') CKEDITOR_BASEPATH='https://f1000research.com/js/vendor/ckeditor/' window.reactTheme = 'research'; window.MathJax = { CommonHTML: { linebreaks: { automatic: true } }, 'HTML-CSS': { linebreaks: { automatic: true } }, SVG: { linebreaks: { automatic: true } }, AuthorInit: function() { MathJax.Hub.Register.MessageHook('End Process', function () { let timeout = false; // holder for timeout id const delay = 250; // delay after event is "complete" to run callback const reflowMath = function() { const dispFormulas = document.querySelectorAll('.disp-formula.panel'); if (!dispFormulas) { return; } for (const dispFormula of dispFormulas) { const child = dispFormula.querySelector('.MathJax_Preview').nextSibling.firstChild; const isMultiline = MathJax.Hub.getAllJax(dispFormula)[0].root.isMultiline; if (dispFormula.offsetWidth < child.offsetWidth || isMultiline) { MathJax.Hub.Queue(['Rerender', MathJax.Hub, dispFormula]); } } }; window.addEventListener('resize', function() { clearTimeout(timeout); // clear the timeout timeout = setTimeout(reflowMath, delay); // start timing for event "completion" }); }); }, }; if (window.location.hash == '#_=_'){ window.location = window.location.href.split('#')[0] } !function(f,b,e,v,n,t,s){if(f.fbq)return;n=f.fbq=function() {n.callMethod? n.callMethod.apply(n,arguments):n.queue.push(arguments)} ;if(!f._fbq)f._fbq=n; n.push=n;n.loaded=!0;n.version='2.0';n.queue=[];t=b.createElement(e);t.async=!0; t.src=v;s=b.getElementsByTagName(e)[0];s.parentNode.insertBefore(t,s)}(window, document,'script','https://connect.facebook.net/en_US/fbevents.js'); fbq('init', '1641728616063202'); fbq('track', "PixelInitialized", {}); (function(h,o,t,j,a,r){ h.hj=h.hj||function(){(h.hj.q=h.hj.q||[]).push(arguments)}; h._hjSettings={hjid:2318163,hjsv:6}; a=o.getElementsByTagName('head')[0]; r=o.createElement('script');r.async=1; r.src=t+h._hjSettings.hjid+j+h._hjSettings.hjsv; a.appendChild(r); })(window,document,'https://static.hotjar.com/c/hotjar-','.js?sv='); search file_upload Submit your research search menu close search Browse Gateways & Collections How to Publish Submit your Research My Submissions Article Guidelines Article Guidelines (New Versions) Open Data, Software and Code Guidelines Open Data and Accessible Source Materials Guidelines (HSS) Open Data, Software and Code Guidelines (PSE) Prepublication Checks Production Process Posters and Slides Guidelines Document Guidelines Article Processing Charges Peer Review Finding Article Reviewers About How it Works For Reviewers Our Advisors Policies Glossary FAQs For Developers Newsroom Contact My Research Submissions Content and Tracking Alerts My Details Sign In file_upload Submit your research { "@context": "https://schema.org", "@type": "ScholarlyArticle", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://f1000research.com/articles/14-727" }, "headline": "Emerging trends in digital banking: technologies, usability, regulation, and transformation of the financial...", "datePublished": "2025-07-24T15:50:54", "dateModified": "2025-07-24T15:50:54", "author": [ { "@type": "Person", "name": "Ada Gallegos" }, { "@type": "Person", "name": "Luisa Adriana Rodríguez Zavala" }, { "@type": "Person", "name": "Alejandro Valencia-Arias" }, { "@type": "Person", "name": "Jackeline Valencia" } ], "publisher": { "@type": "Organization", "name": "F1000Research", "logo": { "@type": "ImageObject", "url": "https://f1000research.com/img/AMP/F1000Research_image.png", "height": 480, "width": 60 } }, "image": { "@type": "ImageObject", "url": "https://f1000research.com/img/AMP/F1000Research_image.png", "height": 1200, "width": 150 }, "description": "Digital banking has been identified as a significant catalyst for transformation within the global financial system, driven by technological advancements and evolving user demands. This paradigm shift has the potential to profoundly impact the relationship between institutions and their customers, necessitating the development of novel business models and regulatory frameworks. However, the field of applied research exhibits methodological and thematic dispersion, which limits comprehensive understanding by hindering the connection between technological developments, regulatory perspectives, and user experiences. This, in turn, restricts the identification of clear patterns and the formulation of coherent strategies. In the context of a dynamic environment characterised by constant innovation and evolving expectations, there is a necessity to unify knowledge through systematic syntheses that organise information and guide future research. This approach involves the rigorous and systematic application of analytical methods, such as those grounded in the PRISMA methodology, to address the intricacies inherent in the interplay between emerging technologies, functionalities, and the social and institutional challenges they encounter. This transformation of digital banking into a multidimensional phenomenon necessitates integrated approaches to anticipate risks, promote inclusion, and strengthen a resilient and sustainable financial system." } { "@context": "http://schema.org", "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": "1", "item": { "@id": "https://f1000research.com/", "name": "Home" } }, { "@type": "ListItem", "position": "2", "item": { "@id": "https://f1000research.com/browse/articles", "name": "Browse" } }, { "@type": "ListItem", "position": "3", "item": { "@id": "https://f1000research.com/articles/14-727", "name": "Emerging trends in digital banking: technologies, usability, regulation,..." } } ] } Home Browse Emerging trends in digital banking: technologies, usability, regulation,... ALL Metrics - Views Downloads Get PDF Get XML Cite How to cite this article Gallegos A, Rodríguez Zavala LA, Valencia-Arias A and Valencia J. Emerging trends in digital banking: technologies, usability, regulation, and transformation of the financial sector [version 1; peer review: 1 approved, 2 approved with reservations] . F1000Research 2025, 14 :727 ( https://doi.org/10.12688/f1000research.166554.1 ) NOTE: If applicable, it is important to ensure the information in square brackets after the title is included in all citations of this article. Close Copy Citation Details Export Export Citation Sciwheel EndNote Ref. Manager Bibtex ProCite Sente EXPORT Select a format first Track Share ▬ ✚ Systematic Review Emerging trends in digital banking: technologies, usability, regulation, and transformation of the financial sector [version 1; peer review: 1 approved, 2 approved with reservations] Ada Gallegos 1 , Luisa Adriana Rodríguez Zavala 1 , Alejandro Valencia-Arias 2,3 , Jackeline Valencia https://orcid.org/0000-0001-6524-9577 1 Ada Gallegos 1 , Luisa Adriana Rodríguez Zavala 1 , Alejandro Valencia-Arias 2,3 , Jackeline Valencia https://orcid.org/0000-0001-6524-9577 1 PUBLISHED 24 Jul 2025 Author details Author details 1 Instituto de Investigación de Estudios de la Mujer, Universidad Ricardo Palma, Santiago de Surco, 15039, Peru 2 Vicerrectoría de Investigación y postgrado, Universidad de los Lagos, 5290000, Chile 3 Facultad de Ciencias Económicas y Administrativas, Instituto Tecnologico Metropolitano, Medellín, Antioquia, 50010, Colombia Ada Gallegos Roles: Conceptualization, Writing – Original Draft Preparation, Writing – Review & Editing Luisa Adriana Rodríguez Zavala Roles: Conceptualization, Writing – Original Draft Preparation, Writing – Review & Editing Alejandro Valencia-Arias Roles: Conceptualization, Writing – Original Draft Preparation, Writing – Review & Editing Jackeline Valencia Roles: Conceptualization, Writing – Original Draft Preparation, Writing – Review & Editing OPEN PEER REVIEW DETAILS REVIEWER STATUS Abstract Digital banking has been identified as a significant catalyst for transformation within the global financial system, driven by technological advancements and evolving user demands. This paradigm shift has the potential to profoundly impact the relationship between institutions and their customers, necessitating the development of novel business models and regulatory frameworks. However, the field of applied research exhibits methodological and thematic dispersion, which limits comprehensive understanding by hindering the connection between technological developments, regulatory perspectives, and user experiences. This, in turn, restricts the identification of clear patterns and the formulation of coherent strategies. In the context of a dynamic environment characterised by constant innovation and evolving expectations, there is a necessity to unify knowledge through systematic syntheses that organise information and guide future research. This approach involves the rigorous and systematic application of analytical methods, such as those grounded in the PRISMA methodology, to address the intricacies inherent in the interplay between emerging technologies, functionalities, and the social and institutional challenges they encounter. This transformation of digital banking into a multidimensional phenomenon necessitates integrated approaches to anticipate risks, promote inclusion, and strengthen a resilient and sustainable financial system. READ ALL READ LESS Keywords Digital banking, emerging technologies, financial inclusion, financial regulation, digital transformation Corresponding Author(s) Alejandro Valencia-Arias ( [email protected] ) Close Corresponding author: Alejandro Valencia-Arias Competing interests: No competing interests were disclosed. Grant information: The author(s) declared that no grants were involved in supporting this work. Copyright: © 2025 Gallegos A et al . This is an open access article distributed under the terms of the Creative Commons Attribution License , which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited. How to cite: Gallegos A, Rodríguez Zavala LA, Valencia-Arias A and Valencia J. Emerging trends in digital banking: technologies, usability, regulation, and transformation of the financial sector [version 1; peer review: 1 approved, 2 approved with reservations] . F1000Research 2025, 14 :727 ( https://doi.org/10.12688/f1000research.166554.1 ) First published: 24 Jul 2025, 14 :727 ( https://doi.org/10.12688/f1000research.166554.1 ) Latest published: 24 Jul 2025, 14 :727 ( https://doi.org/10.12688/f1000research.166554.1 ) Introduction Digital banking has been identified as a pivotal element in the ongoing transformation of the global financial system. The evolution of this field commenced with the advent of electronic technologies, such as automated teller machines (ATMs) and telephone banking, and has since progressed to encompass mobile platforms and digital financial services. This change has been driven by the advancement of information and communications technologies and by user demand for faster, more tailored, and more accessible solutions. 1 In the contemporary context, characterised by the digitalisation of economic and social processes, digital banking signifies more than mere technical progress. This paradigm shift entails a transformation in the relationship between financial institutions and their customers. Digital tools have been demonstrated to expand access to financial services for excluded populations, thus rendering digital banking a pivotal factor in the pursuit of financial inclusion. Consequently, its implementation necessitates the redesign of business models, service channels, security schemes and regulatory compliance mechanisms. 2 , 3 The prevailing paradigm of consumer behaviour, characterised by an emphasis on expediency, autonomy and personalisation in the digital domain, compels institutions to engage in perpetual innovation. Digital banking, as a consequence, responds to a functional need, but it also modifies the relationship between technology, regulation and social expectations. This phenomenon has direct implications for the stability, competitiveness, and sustainability of the financial system. 4 In recent years, the rapid expansion of digital banking has given rise to a substantial corpus of academic and technical studies addressing its various dimensions. The extant publications address a range of topics, including but not limited to applied technologies, developed functions, user experience, current regulations, and adoption challenges. 5 However, despite the increasing volume of research, a clear gap remains in the systematic organisation of the knowledge generated. The extant literature on the subject is fragmented, with a plethora of methodological approaches, varied geographical contexts, distinct disciplinary interests, and heterogeneous analytical frameworks. This hinders a comprehensive understanding of the phenomenon and obstructs the formulation of a coherent vision of emerging trends in digital banking. 6 , 7 This fragmentation is evidenced by the parallel existence of studies focused on specific technologies, such as artificial intelligence, blockchain, or mobile applications, and others that analyse user perspectives, without a common framework linking both types of contributions. In a similar vein, research concerning the regulation of digital transformation in banking frequently lacks integration with analyses of platforms’ adoption and functional development. 5 Consequently, extant knowledge is descriptive yet lacks the capacity to provide a comprehensive explanation of the dynamics that are shaping the contemporary digital banking environment. The digital financial sector is undergoing a period of rapid transformation, characterised by incessant innovation, intensified competition, and rapidly evolving customer expectations. This necessitates the organisation of knowledge within an analytical framework that facilitates the identification of patterns, the comparison of results, and the guidance of new research directions. The absence of a coherent structure hinders the precise identification of the technologies most extensively adopted, the functions prioritised in financial institutions, and the regulatory and operational challenges most prevalent in diverse contexts. 8 This absence of integration also hinders the capacity of researchers, regulators, and industry stakeholders to identify good practices, anticipate risks, or formulate effective strategies. This scenario is of particular significance in the context of regulatory affairs, where the discrepancy between technological innovation and institutional response can have a detrimental impact on both the stability of the system and the confidence of its users. Consequently, a thorough review is imperative to organise the evidence, classify existing contributions, and identify commonalities, thematic gaps, and dominant trends. An integrative approach to knowledge would overcome the current dispersion and consolidate a theoretical and empirical foundation that facilitates future research and actions aimed at strengthening secure, inclusive, and effective digital banking. 4 In this sense, the objective of this research is to explore emerging trends in digital banking by identifying adopted technologies, prioritised functionalities, recurring challenges, adoption factors, and recent regulatory approaches. In order to achieve this objective, a series of questions have been devised to guide the analysis and structure the review of available knowledge on digital banking. The purpose of these questions is twofold: firstly, to elucidate the salient aspects of the phenomenon under investigation; and secondly, to facilitate the identification of common patterns in recent literature. Which technologies have been most widely adopted in recent studies on digital banking? Which functionalities have been prioritized by financial institutions in the development of digital banking platforms? What challenges are most frequently reported in the implementation of digital banking solutions? What factors have been identified as determining factors in user adoption of digital banking? What regulatory approaches have been proposed or implemented to respond to emerging risks in digital banking? This study proffers a systematised synthesis of emergent trends in digital banking, integrating technological, functional, regulatory and adoption aspects. The value of the concept lies in its ability to articulate diverse forms of knowledge, thereby facilitating a comprehensive and coherent understanding of the phenomenon. This integration contributes to the advancement of knowledge, facilitating future research, supporting the formulation of public policies, and guiding the design of effective strategies for innovation and sustainable development in the digital financial sector. Methodology The present systematic review is based on the PRISMA 2020 methodology, which is renowned for its rigour in the selection and reporting of scientific studies. This updated guide offers a structured framework that ensures transparency and reproducibility in the synthesis of available evidence. 9 The application of the protocol facilitates the systematic identification, evaluation and selection of relevant studies on emerging trends in digital banking, ensuring a thorough and unbiased process. Furthermore, it facilitates the lucid and meticulous presentation of results, thereby enhancing the methodological quality and reliability of the findings. This methodology is thus designed to ensure the integrative analysis is both robust and useful for the scientific community and financial sector stakeholders interested in digital transformation. Eligibility criteria The inclusion criteria considered studies related to digital banking, with a focus on trends, adoption, challenges, technologies, and regulations in this field. A selection of publications in both English and Spanish, covering the period from 2021 to 2025, was made in order to guarantee the timeliness and relevance of the information. The following publications were included in the present study: scientific articles, reviews and technical reports. The inclusion criteria for these publications were as follows: they must provide empirical evidence or conceptual analysis related to the evolution of digital platforms in the financial sector. The selection process was conducted in three sequential phases of exclusion. The initial phase of the project involved the elimination of indexing errors, including duplicates and documents unrelated to digital banking, through the verification of titles and abstracts. In the second phase of the project, works that were not available in full-text format were excluded due to restrictions imposed by the database. The third phase of the study consisted of a critical review based on the researcher’s predefined criteria of relevance and methodological quality. This entailed the discarding of studies that demonstrated insufficient evidence, methodological limitations, or that failed to meet the analysis objectives. This procedure guaranteed the inclusion of valid and relevant sources for a rigorous analysis of emerging trends in digital banking. Sources of information The Scopus and Web of Science databases were selected on the basis of their broad multidisciplinary coverage and prestige in indexing scientific publications. Scopus encompasses a wide range of subject areas, including the social sciences, technology, and engineering, thus serving as a reliable source for identifying studies on digital banking. It is evident that Web of Science is distinguished by its meticulous approach to the selection of journals and conferences, thereby ensuring the integrity and validity of the sources it encompasses. The two databases under scrutiny both include a significant representation of research in technology and finance, facilitating access to up-to-date and relevant evidence. The selection of Scopus and Web of Science is driven by the necessity to guarantee the comprehensiveness and rigour of the bibliographic search, which is a fundamental component of a systematic review. Asubiaro, Onaolapo, and Mills 10 posit that, despite the presence of regional discrepancies in the scope of these platforms’ coverage, collectively they provide a comprehensive and balanced perspective on global scientific output, particularly with regard to technological innovation and financial services. This combination has been demonstrated to assist in the reduction of geographic and disciplinary biases, thereby facilitating access to a more diverse and high-quality corpus of literature. The utilisation of Scopus and Web of Science ensures the incorporation of studies employing rigorous methodologies and yielding relevant results for the analysis of emerging trends in digital banking. These databases permit the implementation of specific and contemporary search criteria, thereby optimising the selection of sources that furnish a comprehensive and detailed perspective on the phenomenon under investigation. Search strategy Specific search equations were designed for each database, integrating the inclusion criteria and combining key terms linked to digital banking, technologies, adoption, and regulation. In Scopus, the following equation was applied: TITLE (“digital banking” OR “online banking” OR “mobile banking”) AND TITLE (“trends” OR “adoption” OR “challenges” OR “technology” OR “regulation”) AND PUBYEAR > 2020 AND PUBYEAR < 2026. In Web of Science, an equivalent equation was used that replaces TITLE with TS= and adapts the KEY or AUTHKEY fields as AK=, in addition to using TS= for TITLE-ABS-KEY. These changes ensure compatibility with the syntax of each platform. The formulation was derived directly from the inclusion criteria, ensuring a precise and exhaustive search. A preliminary validation of terms and Boolean operators was performed to optimize the accuracy and relevance of the results obtained. Selection process The selection process was initiated with a filter based on a review of titles and abstracts to identify potentially relevant studies based on the inclusion criteria. The preselected documents were then subjected to a comprehensive review in order to ascertain their eligibility and relevance to the study’s objective. In both stages of the process, inclusion or exclusion decisions were systematically recorded and documented, ensuring transparency and traceability. Specialized tools were employed to manage and organise references, thereby facilitating control and monitoring of the process. The entire procedure was meticulously documented to support the development of the PRISMA flowchart, which visually displays the progress and refinement of the studies included in the systematic review. The flowchart illustrates the systematic process of identifying, selecting, and excluding studies for the review. The records were initially retrieved from the Scopus and Web of Science databases. Duplicates and records with indexing errors were then removed. The accessibility of the full texts was then assessed, with articles lacking available access being discarded. In conclusion, specific relevance and quality criteria were applied in order to exclude documents that did not meet the study’s requirements. As illustrated in Figure 1 , the flowchart delineates the 2020 PRISMA declaration’s recommended protocol, enumerating the number of studies at each stage and thereby demonstrating the transparency and rigour of the selection process. Figure 1. PRISMA flowchart. Prepared by the authors based on Scopus and Web of Science. Data processing The data extracted from the selected studies were organised and analysed using Microsoft Excel, allowing for the classification, filtering, and coding of relevant variables for the synthesis of results. Thematic categories related to technologies, functionalities, challenges, adoption, and regulation in digital banking were structured. The use of Excel software enabled a systematic comparison between studies, thus facilitating the identification of emerging patterns and trends. The organised management of the information enabled a rigorous and consistent analysis, thus facilitating the formulation of solid conclusions. Consequently, the implementation of data processing ensured a transparent and replicable process, which is imperative for the methodological quality of the systematic review. Risk of bias The risk of bias was assessed using predefined criteria, including methodological quality, clarity in the presentation of results, and representativeness of the context of the selected studies. This assessment validated the robustness of the synthesis and strengthened the reliability of the conclusions. It was recognised that the exclusivity of the databases and the specific formulation of search terms could generate biases in the selection of evidence. In addition, the original studies’ reporting biases were considered. The bias risk assessment and mitigation process is documented in the flowchart shown in Figure 1 , ensuring transparency and methodological rigor in the review. Results The results of this systematic review have been organised according to the research questions, with the analysis being structured around key aspects of digital banking. This organization facilitates the identification of recurring patterns and emerging trends in recent literature, including technologies adopted, functionalities implemented, challenges faced, determining factors in user adoption, and regulatory approaches applied. It is therefore evident that a comprehensive and coherent overview of the current state of knowledge in the field is presented. Table 1 provides a concise overview of the selected studies, which were subjected to a detailed and rigorous analysis. Table 1. Studies included in the research. Prepared by the authors based on Scopus and Web of Science. Title Authors A Model for Analysis of Social Media in Adoption of Mobile Banking Hamidi & Mohammadi 27 An Arab Country’s Digital Shift: A Case Study on Factors Influencing Mobile Banking Adoption in the Arab World Laradi 13 An empirical investigation of the extended Technology Acceptance Model to explain mobile banking adoption Gokmenoglu & Kaakeh 17 Determinants of digital banking adoption in the Kingdom of Saudi Arabia: A technology acceptance model approach Alnemer 14 Examining the dynamics of mobile banking app. Adoption during the COVID-19 pandemic: A digital shift in the crisis Rahman 19 Financial Inclusion of the Elderly: Exploring the Role of Mobile Banking Adoption Msweli & Mawela 11 Impact of CSR activities towards adoption of Mobile Banking Nguyen & Thao 28 Investigating the impact of digital business ecosystem in enhancing Islamic mobile banking adoption through the TOE framework Abdurrahman 16 Islamic mobile banking smart services adoption and use in Jordan Yaseen 18 Mobile banking adoption its antecedents and post-adoption effects: the role of consumers status orientation in an African context Mefoute Badiang & Nkwei 29 Understanding Digital Banking Adoption During Post-Coronavirus Pandemic: An Integration of Technology Readiness and Technology Acceptance Model Musyaffi 20 A STUDY ON ADOPTION OF ARTIFICIAL INTELLIGENCE USE IN MOBILE BANKING Koyluoglu & Acar 12 A Study on the Acceptance of Mobile-Banking Applications in India—Unified Theory of Acceptance and Sustainable Use of Technology Model (UTAUT) Samartha 30 Adoption of Design Thinking, Agile Software Development and Co-creation: A Qualitative Study towards Digital Banking Innovation Success Indriasari 31 Determinants of consumer adoption of Islamic mobile banking services in Indonesia Febriandika 32 Determinants of digital financial exclusion as a barrier to the adoption of mobile banking services in Poland Solarz & Adamek 33 DETERMINANTS Ol CONSUMER ADOPTION Ol ISLAMIC MOBILE BANKING SERVICES IN INDONESIA Febriandika 32 Digital Banking: Challenges, Emerging Technology Trends, and Future Research Agenda Indriasari 34 Evaluation and performance comparison of a model for adoption of biometrics in online banking Al-Janahi 35 Examining Initial Trust in Adoption of Digital Banking Platform: A Personal Innovativeness and Security Perspective Musyaffi 36 Examining the Role of Self-Reliance, Social Domination, Perceived Surveillance, and Customer Support with Respect to the Adoption of Mobile Banking Asif 37 Factors Influencing Mobile Banking Adoption in Cambodia: The Structuring of TAM, DIT, and Trust with TPB Norng, S. 38 How Does Perceived Risk and Trust Affect Mobile Banking Adoption? Empirical Evidence from India Kumar 39 Intelligent Digital Banking Technology and Architecture: A Systematic Literature Review Indriasari, E., Prabowo, H., Gaol, F. L., & Purwandari, B. 40 Intension to Use Mobile Banking: An Integration of Theory of Planned Behaviour (TPB) and Technology Acceptance Model (TAM) Sasidharan 41 ISLAMIC BANK CUSTOMERS’ ADOPTION OF DIGITAL BANKING SERVICES: EXTENDING DIFFUSION THEORY OF INNOVATION Shaikh 42 Online banking adoption in Spanish cities and towns. Finding differences through TAM application Albort-Morant 43 PREDICTING MOBILE BANKING ADOPTION: AN INTEGRATION OF TAM AND TPB WITH TRUST AND PERCEIVED RISK Obaid 44 Prerequisites and perceived information system qualities model for mobile banking adoption among the customers of private commercial banks in myanmar Tun, P. M. 45 Quality factors in technology system capability decision interest in transactions using mobile banking Suardana 46 Role of social media on mobile banking adoption among consumers Sharma 47 Sectoral Comparison of Sustainable Digital Financial Inclusion of Women Workforce with the Mediation of Digital Banking Adoption Intention: An Empirical Analysis Gupta & Kiran 48 Technology adoption of digital banking and women consumers: An empirical investigation Kaur & Batra 49 The Effect of Perceived Usefulness, Reliability, and COVID-19 Pandemic on Digital Banking Effectiveness: Analysis Using Technology Acceptance Model Ghani 50 The Impact of Perceived Risk and Technology Acceptance Model on Gen Z’s Adoption of Digital Banking Julia 51 The Investigation of Preference Attributes of Indonesian Mobile Banking Users to Develop a Strategy for Mobile Banking Adoption Sebayang 52 The role of perceived security and social influence on the usage behavior of digital banking services: An extension of the technology acceptance model Quynh 53 Understanding Consumer Adoption of Mobile Banking: Extending the UTAUT2 Model with Proactive Personality Hilal 54 Unified Theory of Acceptance and Use of Technology (UTAUT) Model: Factors Influencing Mobile Banking Services’ Adoption in China Mensah 55 As illustrated in Figure 2 , the predominant technologies employed in digital banking studies are indicated. Mobile banking applications are the subject of the highest number of mentions, with a total of 18. The subsequent themes are technology acceptance models and digital banking approaches, both of which are referenced ten times. PLS-SEM modelling is mentioned on eight occasions. The present analysis indicates that UTAUT-based models and approaches related to trust and security are represented in six studies each. To a lesser extent, there are reports on Islamic banking, SEM modeling, diffusion of innovations, artificial intelligence-based solutions, and social media integration. Figure 2. Most widely adopted technologies in digital banking studies. Prepared by the authors based on Scopus and Web of Science. As illustrated in Figure 3 , the frequency of occurrence of prioritised features in digital banking initiatives documented in the literature is demonstrated. The most frequently mentioned are account management (13), mobile access (12), digital transactions (11), fund transfers (10), and bill payments (10). Subsequent to these are customer engagement, smart services, user-centered design and financial advice. As is evidenced by the paucity of literature on the subject, information services, real-time access, security features and inclusive banking are less frequently mentioned. This distribution enables the identification of the areas most addressed in the functional development of digital solutions in the financial sector. Figure 3. Priority features in digital banking. Prepared by the authors based on Scopus and Web of Science. As demonstrated in Figure 4 , the frequency of challenges reported in the domain of digital banking is indicated. The most frequently mentioned issues are trust, security, and user awareness, with 18, 17, and 17 mentions, respectively. Risk perception and complexity appear with 14 mentions each. In addition, infrastructure gaps (9), privacy concerns (7), and internet access limitations (6) have been identified. The presence of gender barriers and legal and regulatory issues is less prevalent, with only two or three mentions. Figure 4. Frequency of common challenges in digital banking. Prepared by the authors based on Scopus and Web of Science. As illustrated in Figure 5 , the frequencies of the categories of determining factors in user adoption of digital banking are demonstrated. Trust and user experience emerged as the most prevalent factors, with 14 and 13 mentions, respectively. It is evident that both the perceived usefulness and the perceived ease of use are discussed at length, with each of these concepts receiving a total of 12 mentions. It is evident that other categories, including behavioural intention, technological readiness, and organisational support, demonstrate a lower frequency of occurrence. The remaining factors have fewer than seven mentions. Figure 5. Frequency of determining factors in user adoption. Prepared by the authors based on Scopus and Web of Science. As illustrated in Figure 6 , the frequency of regulatory approaches identified in studies on digital banking is presented. The predominant category is Regulatory Frameworks, with 37 mentions. This is followed by approaches focused on trust building, government support, and digital inclusion policies, with eight, six, and five mentions, respectively. The text also makes mention of Corporate Social Responsibility, Information Security Standards, and Risk Management Policies. Figure 6. Frequency of regulatory approaches applied. Prepared by the authors based on Scopus and Web of Science. The results were organised according to the research questions and allowed for a structured analysis of emerging trends in digital banking. The review revealed a variety of topics across the studies, covering technologies, functionalities, challenges, adoption factors, and regulatory approaches. This classification facilitated the identification of common patterns, methods, and gaps in the literature. The study also provided a foundation for the comparison of findings and the construction of a conceptual framework. This framework demonstrated the evolution of the digital financial sector and its current priorities from a unified perspective. Discussion The purpose of this section is twofold: firstly, to interpret the findings on emerging trends in digital banking and, secondly, to derive their implications. Initially, the results are compared with those of previous studies in order to establish their position within the existing literature. Subsequently, a conceptual framework is presented, the basis of which is the analysis. The subsequent discussion outlines the theoretical, policy and practical implications of the findings. The study’s limitations, both in its methodological approach and its results, are also noted. Finally, lines of future research are proposed to expand and deepen knowledge in the field of digital banking. Analysis of results The findings indicate that the technologies most frequently studied in the field of digital banking correspond to tools that are characterised by high levels of utilisation and ease of use. Mobile banking is distinguished by its pivotal function in the broader context of financial digitalisation, particularly with regard to the promotion of inclusivity. As posited by Msweli and Mawela, 11 the technology in question has been demonstrated to be of use. However, its adoption is said to be limited by issues of trust, a paucity of information, and the complexity of its use. The present study draws upon the analysis of Koyluoglu and Acar 12 on the challenges posed by artificial intelligence to perceived usefulness, security, and trust, which are key aspects for achieving sustained user acceptance. The results indicate a functional orientation in digital banking initiatives, with a focus on basic and operational services that address users’ everyday needs. This phenomenon aligns with the observations reported by Laradi et al., 13 who emphasised that perceived usefulness and trust are pivotal factors in the adoption of such services. In a similar vein, Alnemer 14 corroborates the notion that ease of use and functionality positively influence user acceptance, while trust functions as a moderating variable. The prioritised functionalities demonstrate an emphasis on operational efficiency, accessibility, and perceived security. The findings of the study indicate that the primary challenges in the realm of digital banking are attributed to factors such as trust, security, and the absence of user awareness. Risk perception and technological complexity are identified as additional obstacles. The limitations in infrastructure, privacy, and internet access are also evident, while legal, regulatory, and gender barriers are less prevalent. This finding underscores the necessity to bolster trust through actions such as corporate social responsibility, as asserted by Anh and Phuong Thao. 15 Similarly, Abdurrahman 16 emphasises the pivotal role of the digital ecosystem and the influence of technological, organisational, and environmental factors in the adoption of Islamic mobile banking. The findings of the study indicate that trust and user experience are the primary factors influencing the adoption of digital banking services. Perceived usefulness and ease of use have been shown to have a significant influence on intention to use. In addition to the aforementioned factors, technological readiness and organisational support have been considered, albeit less frequently. These findings are consistent with previous research highlighting the importance of trust and positive perceptions in fostering adoption, as well as the need to innovate and personalise mobile services to attract users, particularly in emerging markets and Islamic contexts. 17 , 18 The results of the present study indicate that regulatory frameworks are the most frequent focus in studies on digital banking, thereby highlighting their central role in regulating the sector. Other approaches that have been employed include trust-building, government support, and digital inclusion policies. Although these are less common, they are nevertheless relevant in facilitating the adoption and use of digital services. Similarly, initiatives pertaining to corporate social responsibility, information security standards, and risk management are identified. These regulatory approaches are designed to address the necessity of adapting the regulatory framework in order to cultivate trust in contexts marked by accelerating digitalisation, a need that is particularly pronounced in the post-pandemic era. 19 , 20 Comparison of results with other studies The study results, organised according to the research questions, reveal a wide thematic diversity in digital banking, encompassing emerging technologies, adoption drivers, challenges, and regulatory approaches. This organisation facilitated the identification of patterns and thematic gaps, thereby providing a comprehensive view of the current digital financial sector. In accordance with Munira’s findings, 21 the significance of technologies such as artificial intelligence, machine learning, and digital wallets in enhancing operational efficiency, customer experience, and financial inclusion is substantiated. The findings of both studies underscore the advantages for traditionally underserved sectors, whilst concomitantly highlighting the challenges in cybersecurity and regulatory compliance. However, the present study also incorporates functional and regulatory dimensions, while Munira emphasises technological transformation. As Barru 22 have demonstrated, trust, cybersecurity, and financial inclusion are recurring themes in the literature. However, this analysis delves into methodological diversity and less-explored categories, such as organisational support and technological readiness, aspects less highlighted in Barru’s bibliometric analysis. Moreover, while Barru 22 focuses on a specific case (BRImo), this study offers a global perspective, thereby broadening the applicability of the results. In the study conducted by Ahmad, 23 the role of digital banking in emerging markets in terms of reducing financial gaps is highlighted. This is accompanied by an emphasis on the social and economic transformation that results from this. The present study corroborates this perspective, incorporating a structured view of technological and regulatory factors that influence inclusion, thus providing a multidimensional understanding of the phenomenon. This perspective is in contrast to the findings of Adebayo et al., 24 who conducted a detailed analysis of specific risks in liquidity management due to banking digitalization in the United States. Whilst the present study does not explore particular financial risks in any depth, it does consider broader regulatory and governance aspects, which may prove of use in future analyses of financial stability in digital environments. The present study finds concordance with the conclusions of Suganya and Yogalakshmi 25 with regard to the post-pandemic impact on the acceleration of digital adoption. The findings of both studies concur that the pandemic functioned as a catalyst, emphasising the necessity for regulatory and technological adaptations to ensure the continuity of digital growth. However, this study places greater emphasis on the diversity of regulatory approaches and their significance for trust and digital inclusion. Proposed conceptual framework The findings of the study yielded an integrated conceptual framework, as illustrated in Figure 7 . The model is designed to categorise the primary dimensions of adoption, encompassing the technologies employed, the functionalities prioritised, the challenges encountered, the adoption drivers, and the regulatory approaches adopted. Key interactions among these elements are represented, where technologies enable features that optimize the user experience, challenges affect adoption, and regulatory policies along with organisational support mediate these processes. The framework summarises current trends in digital banking and provides a basis for future analysis and strategic design. Figure 7. Conceptual framework of trends in digital banking. Prepared by the authors. Implications The study on emerging trends in digital banking has theoretical, policy, and practical implications, contributing to the understanding and development of the rapidly evolving sector. At the theoretical level, a conceptual framework is proposed that integrates key dimensions: adopted technologies, priority functionalities, challenges, adoption drivers, and regulatory approaches. This model extends and refines previous approaches by incorporating technological, behavioural, regulatory and organisational elements. The validity of well-established variables such as trust and perceived usefulness is confirmed, whilst simultaneously highlighting the limitations of models that are exclusively focused on technology adoption. Furthermore, under-explored categories, such as technological readiness and institutional support, are incorporated, thus enriching the field and opening new lines of research. From a policy perspective, the results indicate the necessity for comprehensive regulatory policies that consider protection, security, digital inclusion, and trust-building. It is recommended that regulators devise flexible regulatory frameworks that support technological innovation without neglecting protection against risks such as cyberattacks. It is also emphasised that efforts must be made to promote accessibility and equity in digital services, particularly in emerging markets and across diverse socioeconomic contexts. The articulation between government support, digital inclusion, and security standards is crucial to fostering an ecosystem that drives innovation and protects consumers, thereby promoting the sector’s sustainable development. In practical terms, financial institutions must adopt comprehensive strategies that consider emerging technologies such as artificial intelligence, blockchain, and digital wallets to improve operational efficiency, personalisation, and accessibility. It is imperative that they cultivate intrinsic competencies to surmount challenges such as cybersecurity, change management, and regulatory compliance, encompassing organisational support policies that facilitate technological adaptation. It is imperative that developers and user experience designers prioritise security, ease of use, and personalisation, aligning these factors with adoption determinants such as trust and perceived usefulness. The integration of user-centred design methodologies with the implementation of robust security measures is imperative to enhance user acceptance and retention. It is recommended that continuous feedback mechanisms be incorporated in order to adjust features and respond to emerging needs. When considered as a whole, these implications illustrate the interdependence between the technological, regulatory, and human dimensions that shape digital banking. It is imperative to comprehend these relationships in order to formulate efficacious policies, construct robust theoretical models, and cultivate effective institutional practices that will fortify an inclusive, secure, and adaptable digital financial system. The study provides a solid foundation for formulating comprehensive strategies that respond to current and future challenges, facilitating responsible innovation and financial inclusion in a constantly changing global context. Limitations The study is subject to certain limitations relating to the selection and scope of the database, which focused on indexed literature and academic publications in English. This selection excluded non-indexed sources and documents in other languages, thereby limiting the diversity and representativeness of the perspectives analysed. The inclusion and exclusion criteria, with a focus on studies between 2015 and 2025, restrict the time frame and omit previous developments that could provide historical context or early evolution in digital banking. The preponderance of quantitative methodologies in the reviewed literature has the potential to skew interpretation towards measurable approaches, thus compromising the value of in-depth qualitative analyses. These limitations, however, result in a reduced generalizability of the results to different contexts or specific, underrepresented financial sectors. Nevertheless, the study maintains its value by offering a systematic and contemporary overview of emerging trends, thereby providing a foundation for future research. Lines of future research It is recommended that future research in the field of digital banking should concentrate on the empirical analysis of emerging technologies that are less frequently present in the extant literature, such as blockchain and advanced artificial intelligence. These technologies have the potential to transform financial processes; however, there is a paucity of detailed studies on their operational impact and user experience. In order to facilitate a comprehensive understanding of the digital ecosystem, it is necessary to explore the adoption of this technology, the technical challenges that are presented by its use, and the benefits that are offered by its implementation. Furthermore, it is imperative to extend the scope to under-researched regions and geographic segments, particularly emerging markets and communities with limited financial inclusion. These areas demonstrate particular dynamics that may reveal specific barriers or innovative models of digital adoption. The analysis of these contexts will facilitate the design of bespoke policies and strategies that promote equity and accessibility in digital financial services. The proposed conceptual framework requires validation and enhancement through studies that consider diverse contexts and methodological approaches. The implementation of this model in practical cases is expected to enhance its robustness, thereby facilitating the identification of potential adjustments and supplementary components. In order to obtain a more complete perspective on the phenomenon, it is recommended that mixed methodologies be adopted, incorporating both quantitative and qualitative analyses. The process of triangulation enables the collection of both general trends and specific aspects, thereby facilitating the generation of robust and applicable conclusions. In summary, research must integrate technological, social and regulatory dimensions from multiple perspectives and contexts if knowledge is to be expanded and the strategic development of digital banking is to be supported in a dynamic and constantly changing global environment. Conclusions This study elucidates the intricacies of the evolution of digital banking, wherein technological, social, and regulatory dimensions converge and exert influence on its development. The variety of approaches and the breadth of topics identified demonstrate that digital transformation in the financial sector is not a simple phenomenon, but rather a dynamic process that requires a comprehensive analysis. It is evident that a comprehensive understanding of digital banking necessitates an examination that extends beyond a purely technical milieu, encompassing its institutional and social ramifications. The adoption and consolidation of digital services are contingent on both technological advancement and the implementation of policies and practices that promote inclusion and reduce risk. The relationship between emerging technologies, the functionalities offered, and challenges related to security and perception creates a scenario in which sector actors must coordinate efforts to balance innovation and protection. Digital banking is a field that is subject to constant transformation, influenced by diverse socioeconomic contexts and accelerated by external factors, such as the recent pandemic. This reality necessitates that research remain adaptable, expand its scope, and delve into areas that have been under-explored to generate knowledge capable of anticipating and responding to the future demands of the digital financial system. Ethics and consent Ethical approval and consent were not required. Data availability The data availability statement for this study has been duly registered and archived in the Zenodo open data repository, which is recognized for its commitment to the accessibility and preservation of scientific data. The data and materials supported by this study are publicly available under a Creative Commons Attribution 4.0 International (CC BY 4.0) license and can be accessed at the following DOI link: https://doi.org/10.5281/zenodo.15685817 . 26 Acknowledgements Not applicable. References 1. Sudianjaya JC, Kuswanto H, Nadlifatin R: Understanding future trends in digital banking research through bibliometric analysis. Procedia Computer Science. 2024; 234 : 764–771. Publisher Full Text 2. Ahmadirad Z: The banking and investment in the future: unveiling opportunities and research necessities for long-term growth. International Journal of Applied Research in Management, Economics and Accounting. 2024; 1 (2): 34–41. Publisher Full Text 3. Ahuchogu MC, Sanyaolu TO, Adeleke AG, et al. : Balancing innovation with risk management in digital banking transformation for enhanced customer satisfaction and security. International Journal of Management & Entrepreneurship Research. 2024; 2664–3588. 4. Bueno LA, Sigahi TF, Rampasso IS, et al. : Impacts of digitization on operational efficiency in the banking sector: thematic analysis and research agenda proposal. International Journal of Information Management data Insights. 2024; 4 (1): 100230. Publisher Full Text 5. Ononiwu MI, Onwuzulike OC, Shitu K, et al. : The impact of digital transformation on banking operations in developing economies. World Journal of Advanced Research and Reviews. 2024; 23 (3): 460–474. Publisher Full Text 6. Ajayi-Nifise AO, et al. : Digital transformation in banking: the hr perspective on managing change and cultivating digital talent. International Journal of Science and Research Archive. 2024; 11 (1): 1452–1459. 7. Melnyk V: Transforming the nature of trust between banks and young clients: from traditional to digital banking. Qualitative Research in Financial Markets. 2024; 16 (4): 618–635. Publisher Full Text 8. Serdarušić H, Pancić M, Zavišić Ž: Green finance and fintech adoption services among Croatian online users: how digital transformation and digital awareness increase banking sustainability. Economies. 2024; 12 (3): 54. Publisher Full Text 9. Page MJ, McKenzie JE, Bossuyt PM, et al. : The PRISMA 2020 statement: an updated guideline for reporting systematic reviews. International Journal of Surgery. 2021; 88 (105906). PubMed Abstract | Publisher Full Text 10. Asubiaro T, Onaolapo S, Mills D: Regional disparities in Web of Science and Scopus journal coverage. Scientometrics. 2024; 129 (3): 1469–1491. Publisher Full Text 11. Msweli NT, Mawela T: Financial inclusion of the elderly: exploring the role of mobile banking adoption. Acta Informatica Pragensia. 2021; 10 (1): 1–21. Publisher Full Text 12. Koyluoglu AS, Acar OE: A study on adoption of artificial intelligence use in mobile banking. EMC Review-economy and Market Communication Review. 2023; 26 (2): 344–361. Publisher Full Text 13. Laradi S, Benziane R, Lefilef A, et al. : An Arab country’s digital shift: a case study on factors influencing mobile banking adoption in the Arab world. Scientific papers of the University of Pardubice. Series D. Faculty of Economics and Administration. 2023; 31 (1). Publisher Full Text 14. Alnemer HA: Determinants of digital banking adoption in the kingdom of Saudi Arabia: a technology acceptance model approach. Digital Business. 2022; 2 (2): 100037. Publisher Full Text 15. Anh NV, Phuong Thao NT: Impact of csr activities towards adoption of mobile banking. Cogent Business & Management. 2021; 8 (1): 1962486. Publisher Full Text 16. Abdurrahman A: Investigating the impact of digital business ecosystem in enhancing islamic mobile banking adoption through the toe framework. Digital Business. 2024; 4 (2): 100096. Publisher Full Text 17. Gokmenoglu K, Kaakeh M: An empirical investigation of the extended technology acceptance model to explain mobile banking adoption. Eastern Journal of European Studies. 2022; 13 (2): 204–225. Publisher Full Text 18. Yaseen SG, El Qirem IA, Dajani D: Islamic mobile banking smart services adoption and use in Jordan. Isra International Journal of Islamic Finance. 2022; 14 (3): 349–362. Publisher Full Text 19. Rahman M, Yee HP, Masud MAK, et al. : Examining the dynamics of mobile banking app. Adoption during the covid-19 pandemic: a digital shift in the crisis. Digital Business. 2024; 4 (2): 100088. Publisher Full Text 20. Musyaffi AM, Johari RJ, Rosnidah I, et al. : Understanding digital banking adoption during post-coronavirus pandemic: an integration of technology readiness and technology acceptance model. TEM Journal. 2022; 11 (2). 21. Munira MSK: Digital transformation in banking: a systematic review of trends, technologies, and challenges. Technologies, and challenges.2025. 22. Barru IAG: Bibliometric analysis of digital banking research: trends, challenges, and opportunities with a focus on brimo application.2025. 23. Ahmad NR: Financial inclusion: how digital banking is bridging the gap for emerging markets. Journal of Applied Linguistics and Tesol (JALT). 2025; 8 (1): 894–902. 24. Adebayo O, Mensah N, Adukpo TK: Navigating liquidity management challenges in the era of digital banking in the United States. World Journal of Advanced Research and Reviews. 2025; 25 (2): 2711–2719. Publisher Full Text 25. Suganya MK, Yogalakshmi C: Post-pandemic transformation: impact of covid-19 on digital banking services in India. 26. Gallegos A, Rodríguez Zavala L, Valencia-Arias A, et al. : Emerging trends in digital banking: technologies, usability, regulation, and transformation of the financial sector.2025. Publisher Full Text 27. Hamidi H, Mohammadi M: A model for analysis of social media in adoption of mobile banking. Transactions A: Basics. 2024; 37 (07): 1384–1394. Publisher Full Text 28. Nguyen KP, Ma YJ: Potential challenges of collaborative robot implementation in Vietnamese garment manufacturing.2021. 29. Mefoute Badiang A, Nkwei ES: Mobile banking adoption its antecedents and post-adoption effects: the role of consumers status orientation in an African context. Cogent Business & Management. 2024; 11 (1): 2321787. Publisher Full Text 30. Samartha V, Shenoy Basthikar S, Hawaldar IT, et al. : A study on the acceptance of mobile-banking applications in India—unified theory of acceptance and sustainable use of technology model (UTAUT). Sustainability. 2022; 14 (21): 14506. Publisher Full Text 31. Indriasari E, Prabowo H, Gaol FL, et al. : Adoption of design thinking, agile software development and co-creation: a qualitative study towards digital banking innovation success. International Journal of Emerging Technology and Advanced engineering. 2022; 12 (1): 111–128. Publisher Full Text 32. Febriandika NR, Hakimi F: Determinants of consumer adoption of Islamic mobile banking services in Indonesia. Banks and Bank systems. 2023; 18 (4): 30–43. Publisher Full Text 33. Solarz M, Adamek J: Determinants of digital financial exclusion as a barrier to the adoption of mobile banking services in Poland. Ekonomia I Prawo. Economics and Law. 2022; 21 (2): 503–525. Publisher Full Text 34. Indriasari E, Prabowo H, Gaol FL, et al. : Digital banking: challenges, emerging technology trends, and future research agenda. International Journal of E-business Research (IJEBR). 2022; 18 (1): 1–20. Publisher Full Text 35. Aljanahi N, Abd-El-Barr M, Qureshi K: Evaluation and performance comparison of a model for adoption of biometrics in online banking. Kuwait Journal of Science. 2021; 48 (2). Publisher Full Text 36. Musyaffi AM, Johari RJ, Sobirov B, et al. : Examining initial trust in adoption of digital banking platform: a personal innovativeness and security perspective. Journal of System and Management Sciences. 2024; 14 (1): 67–86. Publisher Full Text 37. Asif M, Khan MA, Alhumoudi H, et al. : Examining the role of self-reliance, social domination, perceived surveillance, and customer support with respect to the adoption of mobile banking. International Journal of Environmental Research and Public Health. 2023; 20 (5): 3854. PubMed Abstract | Publisher Full Text | Free Full Text 38. Norng S: Factors influencing mobile banking adoption in Cambodia: the structuring of TAM, DIT, and trust with TPB. Asian Journal of Business Research. 2022; 12 (3). Publisher Full Text 39. Kumar R, Singh R, Kumar K, et al. : How does perceived risk and trust affect mobile banking adoption? Empirical evidence from India. Sustainability. 2023; 15 (5): 4053. Publisher Full Text 40. Indriasari E, Prabowo H, Gaol FL, et al. : Intelligent digital banking technology and architecture: a systematic literature review. International Journal of Interactive Mobile Technologies. 2022; 16 (19): 98–117. Publisher Full Text 41. Sasidharan A, Venkatakrishnan S: Intension to use mobile banking: an integration of theory of planned behaviour (TPB) and technology acceptance model (tam). The KSII Transactions on Internet and Information Systems. 2024; 18 : 1059–1074. 42. Shaikh IM, Amin H, Noordin K, et al. : Islamic bank customers’ adoption of digital banking services: extending diffusion theory of innovation. Journal of Islamic Monetary Economics and Finance. 2023; 9 (1): 57–70. Publisher Full Text 43. Albort-Morant G, Sanchís-Pedregosa C, Paredes Paredes JR: Online banking adoption in Spanish cities and towns. Finding differences through tam application. Economic Research-Ekonomska Istraživanja. 2022; 35 (1): 854–872. Publisher Full Text 44. Obaid T: Predicting mobile banking adoption: an integration of TAM and TPB with trust and perceived risk.2021. 45. Tun PM: Prerequisites and perceived information system qualities model for mobile banking adoption among the customers of private commercial banks in Myanmar.2021. 46. Suardana IBR, Martini LKB, Subawa NS, et al. : Quality factors in technology system capability decision interest in transactions using mobile banking. International Journal of Data and Network Science. 2022; 6 : 1–8. Publisher Full Text 47. Sharma M, Banerjee S, Paul J: Role of social media on mobile banking adoption among consumers. Technological Forecasting and Social Change. 2022; 180 : 121720. Publisher Full Text 48. Gupta M, Kiran R: Sectoral comparison of sustainable digital financial inclusion of women workforce with the mediation of digital banking adoption intention: an empirical analysis. SAGE Open. 2024; 14 (2): 21582440241258290. 49. Kaur B, Batra NK: Technology adoption of digital banking and women consumers: an empirical investigation. International Journal of Experimental Research and Review. 2023; 32 : 278–287. Publisher Full Text 50. Ghani EK, Ali MM, Musa MNR, et al. : The effect of perceived usefulness, reliability, and covid-19 pandemic on digital banking effectiveness: analysis using technology acceptance model. Sustainability. 2022; 14 (18): 11248. Publisher Full Text 51. Julia L, Linggam PS, Hibatullah RAFIADRI, et al. : The impact of perceived risk and technology acceptance model on gen z’s adoption of digital banking. WSEAS Transactions on Computer Research. 2023; 12 : 1–18. Publisher Full Text 52. Sebayang TE, Hakim DB, Bakhtiar T, et al. : The investigation of preference attributes of Indonesian mobile banking users to develop a strategy for mobile banking adoption. Journal of Risk and Financial Management. 2024; 17 (3): 109. Publisher Full Text 53. Ngo HQ, Le MT: The role of perceived security and social influence on the usage behavior of digital banking services: an extension of the technology acceptance model.2023. 54. Hilal A, Varela-Neira C: Understanding consumer adoption of mobile banking: extending the utaut2 model with proactive personality. Sustainability. 2022; 14 (22): 14708. Publisher Full Text 55. Mensah IK, Khan MK: Unified theory of acceptance and use of technology (utaut) model: factors influencing mobile banking services’ adoption in China. SAGE Open. 2024; 14 (1): 21582440241234230. Publisher Full Text Comments on this article Comments (0) Version 1 VERSION 1 PUBLISHED 24 Jul 2025 ADD YOUR COMMENT Comment Author details Author details 1 Instituto de Investigación de Estudios de la Mujer, Universidad Ricardo Palma, Santiago de Surco, 15039, Peru 2 Vicerrectoría de Investigación y postgrado, Universidad de los Lagos, 5290000, Chile 3 Facultad de Ciencias Económicas y Administrativas, Instituto Tecnologico Metropolitano, Medellín, Antioquia, 50010, Colombia Ada Gallegos Roles: Conceptualization, Writing – Original Draft Preparation, Writing – Review & Editing Luisa Adriana Rodríguez Zavala Roles: Conceptualization, Writing – Original Draft Preparation, Writing – Review & Editing Alejandro Valencia-Arias Roles: Conceptualization, Writing – Original Draft Preparation, Writing – Review & Editing Jackeline Valencia Roles: Conceptualization, Writing – Original Draft Preparation, Writing – Review & Editing Competing interests No competing interests were disclosed. Grant information The author(s) declared that no grants were involved in supporting this work. Article Versions (1) version 1 Published: 24 Jul 2025, 14:727 https://doi.org/10.12688/f1000research.166554.1 Copyright © 2025 Gallegos A et al . This is an open access article distributed under the terms of the Creative Commons Attribution License , which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited. Download Export To Sciwheel Bibtex EndNote ProCite Ref. Manager (RIS) Sente metrics Views Downloads F1000Research - - PubMed Central info_outline Data from PMC are received and updated monthly. - - Citations open_in_new 0 open_in_new 0 open_in_new SEE MORE DETAILS CITE how to cite this article Gallegos A, Rodríguez Zavala LA, Valencia-Arias A and Valencia J. Emerging trends in digital banking: technologies, usability, regulation, and transformation of the financial sector [version 1; peer review: 1 approved, 2 approved with reservations] . F1000Research 2025, 14 :727 ( https://doi.org/10.12688/f1000research.166554.1 ) NOTE: If applicable, it is important to ensure the information in square brackets after the title is included in all citations of this article. COPY CITATION DETAILS track receive updates on this article Track an article to receive email alerts on any updates to this article. TRACK THIS ARTICLE Share Open Peer Review Current Reviewer Status: ? Key to Reviewer Statuses VIEW HIDE Approved The paper is scientifically sound in its current form and only minor, if any, improvements are suggested Approved with reservations A number of small changes, sometimes more significant revisions are required to address specific details and improve the papers academic merit. Not approved Fundamental flaws in the paper seriously undermine the findings and conclusions Version 1 VERSION 1 PUBLISHED 24 Jul 2025 Views 0 Cite How to cite this report: Aripin Z. Reviewer Report For: Emerging trends in digital banking: technologies, usability, regulation, and transformation of the financial sector [version 1; peer review: 1 approved, 2 approved with reservations] . F1000Research 2025, 14 :727 ( https://doi.org/10.5256/f1000research.183559.r427279 ) The direct URL for this report is: https://f1000research.com/articles/14-727/v1#referee-response-427279 NOTE: it is important to ensure the information in square brackets after the title is included in this citation. Close Copy Citation Details Reviewer Report 10 Feb 2026 Zaenal Aripin , Sangga Buana University, Bandung, West Java, Indonesia Approved VIEWS 0 https://doi.org/10.5256/f1000research.183559.r427279 Excellent PRISMA 2020 systematic review analyzing digital banking literature (Scopus & Web of Science, 2021-2025). Identifies 4 key trends: mobile banking dominance (18 studies), core functionalities, trust/security challenges (17-18 mentions each), and regulatory frameworks (37 mentions). Strong visualizations (Figures 1-7) ... Continue reading READ ALL Excellent PRISMA 2020 systematic review analyzing digital banking literature (Scopus & Web of Science, 2021-2025). Identifies 4 key trends: mobile banking dominance (18 studies), core functionalities, trust/security challenges (17-18 mentions each), and regulatory frameworks (37 mentions). Strong visualizations (Figures 1-7) and Zenodo open data. **DETAILED ASSESSMENT:** **1. Rationale & objectives: APPROVED (minor revision needed)** Clear RQs (5 specific questions). **Strength**: Timely post-COVID fintech focus. **Weakness**: Introduction overly verbose (~1/3 manuscript length). **2. Methods & replicability: APPROVED ✓** Excellent execution: dual databases, transparent search equations, complete PRISMA flowchart (Fig 1), Excel thematic analysis, Zenodo DOI data. Fully replicable. **3. Statistical analysis: NOT APPLICABLE** Appropriate frequency counts (Fig 2-6) for thematic review. **4. Conclusions supported: APPROVED ✓** Findings directly from data, solid conceptual framework (Fig 7). **STRENGTHS:** - ✅ Dual database rigor (Scopus+WoS) - ✅ Comprehensive visualizations (Fig 2-6) - ✅ Zenodo open data transparency - ✅ Practical regulatory implications - ✅ Global emerging markets coverage **MAJOR RESERVATIONS (specific & constructive):** 1. **Introduction too verbose**: ~33% manuscript = background. **Recommendation**: Trim to 15-20% length. Sharpen gap: "Despite 100+ studies, no systematic synthesis exists for 2021-2025 digital banking trends amid post-COVID fintech acceleration." 2. **Search timing unclear**: 2021-2025 data but Jan 2026 publication. **Recommendation**: Add search date: "Literature search conducted Dec 2025" + check for Jan 2026 papers. 3. **Geographic analysis missing**: Global claims without country breakdown. **Recommendation**: Add Table 3: Country distribution from dataset (e.g., "India 25%, Latin America 18%, Europe 15%"). 4. **Risk of bias assessment minimal**: Mentioned but not quantified. **Recommendation**: Simple quality table: "80% studies high quality (MMAT criteria)." **RECOMMENDED REVISIONS (prioritized):** **MAJOR revisions (required for full approval):** 1. Shorten introduction 30%, sharpen research gap (2 sharp paragraphs) 2. Clarify search date + update if 2026 papers available 3. Add geographic distribution table **MINOR revisions:** 1. Risk of bias assessment table 2. Minor English polishing **OVERALL ASSESSMENT**: Excellent systematic review with high practical value for fintech researchers globally. Minor revisions will elevate to outstanding contribution. Are the rationale for, and objectives of, the Systematic Review clearly stated? Partly Are sufficient details of the methods and analysis provided to allow replication by others? Yes Is the statistical analysis and its interpretation appropriate? Not applicable Are the conclusions drawn adequately supported by the results presented in the review? Yes If this is a Living Systematic Review, is the ‘living’ method appropriate and is the search schedule clearly defined and justified? (‘Living Systematic Review’ or a variation of this term should be included in the title.) Not applicable Competing Interests: No competing interests were disclosed. Reviewer Expertise: Knowledge Management, Digital Transformation, Fintech, Strategic Management, Organizational Behavior I confirm that I have read this submission and believe that I have an appropriate level of expertise to confirm that it is of an acceptable scientific standard. Close READ LESS CITE CITE HOW TO CITE THIS REPORT Aripin Z. Reviewer Report For: Emerging trends in digital banking: technologies, usability, regulation, and transformation of the financial sector [version 1; peer review: 1 approved, 2 approved with reservations] . F1000Research 2025, 14 :727 ( https://doi.org/10.5256/f1000research.183559.r427279 ) The direct URL for this report is: https://f1000research.com/articles/14-727/v1#referee-response-427279 NOTE: it is important to ensure the information in square brackets after the title is included in all citations of this article. COPY CITATION DETAILS Report a concern Respond or Comment COMMENT ON THIS REPORT Views 0 Cite How to cite this report: Iwedi M. Reviewer Report For: Emerging trends in digital banking: technologies, usability, regulation, and transformation of the financial sector [version 1; peer review: 1 approved, 2 approved with reservations] . F1000Research 2025, 14 :727 ( https://doi.org/10.5256/f1000research.183559.r427275 ) The direct URL for this report is: https://f1000research.com/articles/14-727/v1#referee-response-427275 NOTE: it is important to ensure the information in square brackets after the title is included in this citation. Close Copy Citation Details Reviewer Report 07 Nov 2025 Marshal Iwedi , Rivers State University, Nkpolu-Oroworukwo, Nigeria Approved with Reservations VIEWS 0 https://doi.org/10.5256/f1000research.183559.r427275 The paper is well-written, conceptually sound, and methodologically transparent. The structure of the article is in line with standard protocols for systematic reviews, and logical flow interlinks from problem identification to discussion. Application of PRISMA is appropriate and enhances its ... Continue reading READ ALL The paper is well-written, conceptually sound, and methodologically transparent. The structure of the article is in line with standard protocols for systematic reviews, and logical flow interlinks from problem identification to discussion. Application of PRISMA is appropriate and enhances its scientific validity. The article contributes significantly by integrating fragmented literature on digital banking trends and providing an integrated conceptual model. However, several areas need clarification and improvement to make the article scientifically robust and practically useful. Key changes in ensuring scientific soundness Quantify the PRISMA flow: number of studies identified, screened, excluded, and included. Specify the bias assessment tool or criteria used, such as ROBIS or CASP. Provide a more analytical synthesis of results, rather than a descriptive summary. It should be explained that there is a discrepancy with respect to time frame when comparing 2015–2025 and 2021–2025. Enhance discussion by relating findings to existing adoption and regulatory theories. Include concise policy examples to illustrate recommendations. Improve the presentation of figures and tables by adding numeric context and clearer legends. Are the rationale for, and objectives of, the Systematic Review clearly stated? Yes Are sufficient details of the methods and analysis provided to allow replication by others? Yes Is the statistical analysis and its interpretation appropriate? Yes Are the conclusions drawn adequately supported by the results presented in the review? Yes If this is a Living Systematic Review, is the ‘living’ method appropriate and is the search schedule clearly defined and justified? (‘Living Systematic Review’ or a variation of this term should be included in the title.) Yes Competing Interests: No competing interests were disclosed. Reviewer Expertise: Finance and Digital Banking I confirm that I have read this submission and believe that I have an appropriate level of expertise to confirm that it is of an acceptable scientific standard, however I have significant reservations, as outlined above. Close READ LESS CITE CITE HOW TO CITE THIS REPORT Iwedi M. Reviewer Report For: Emerging trends in digital banking: technologies, usability, regulation, and transformation of the financial sector [version 1; peer review: 1 approved, 2 approved with reservations] . F1000Research 2025, 14 :727 ( https://doi.org/10.5256/f1000research.183559.r427275 ) The direct URL for this report is: https://f1000research.com/articles/14-727/v1#referee-response-427275 NOTE: it is important to ensure the information in square brackets after the title is included in all citations of this article. COPY CITATION DETAILS Report a concern Respond or Comment COMMENT ON THIS REPORT Views 0 Cite How to cite this report: Kaur S. Reviewer Report For: Emerging trends in digital banking: technologies, usability, regulation, and transformation of the financial sector [version 1; peer review: 1 approved, 2 approved with reservations] . F1000Research 2025, 14 :727 ( https://doi.org/10.5256/f1000research.183559.r405900 ) The direct URL for this report is: https://f1000research.com/articles/14-727/v1#referee-response-405900 NOTE: it is important to ensure the information in square brackets after the title is included in this citation. Close Copy Citation Details Reviewer Report 15 Sep 2025 Simran Kaur , Babu Banarasi Das University, Lucknow, Uttar Pradesh, India Approved with Reservations VIEWS 0 https://doi.org/10.5256/f1000research.183559.r405900 1. Though the introduction part is well-written, the rationale doesn't seem to be highlighted. Also, a theoretical background related to digital banking can enhance the quality of the paper. 2. Various terms used like financial inclusion and consumer behaviour ... Continue reading READ ALL 1. Though the introduction part is well-written, the rationale doesn't seem to be highlighted. Also, a theoretical background related to digital banking can enhance the quality of the paper. 2. Various terms used like financial inclusion and consumer behaviour are not properly linked with digital banking. 3. Research questions need to be re-framed in accordance to the title which speaks of "emerging trends." 4. Methodology is very well-written and exhaustively each step is explained. 5. Statistical analysis is represented clearly but interpretation needs to be worked upon. Interpretation can be linked with existing literature to strengthen the analysis part. 6. Conceptual framework can be incorporated after Introduction part initially. Then later, in Discussion section, it can be discussed whether findings align with the conceptual framework provided. 7. Implications can be segregated under different headings to make them more presentable. 8. Conclusion needs to be re-written in line with the title. Are the rationale for, and objectives of, the Systematic Review clearly stated? Partly Are sufficient details of the methods and analysis provided to allow replication by others? Yes Is the statistical analysis and its interpretation appropriate? Partly Are the conclusions drawn adequately supported by the results presented in the review? Yes If this is a Living Systematic Review, is the ‘living’ method appropriate and is the search schedule clearly defined and justified? (‘Living Systematic Review’ or a variation of this term should be included in the title.) Not applicable Competing Interests: No competing interests were disclosed. Reviewer Expertise: Management (Marketing, Finance, IT) I confirm that I have read this submission and believe that I have an appropriate level of expertise to confirm that it is of an acceptable scientific standard, however I have significant reservations, as outlined above. Close READ LESS CITE CITE HOW TO CITE THIS REPORT Kaur S. Reviewer Report For: Emerging trends in digital banking: technologies, usability, regulation, and transformation of the financial sector [version 1; peer review: 1 approved, 2 approved with reservations] . F1000Research 2025, 14 :727 ( https://doi.org/10.5256/f1000research.183559.r405900 ) The direct URL for this report is: https://f1000research.com/articles/14-727/v1#referee-response-405900 NOTE: it is important to ensure the information in square brackets after the title is included in all citations of this article. COPY CITATION DETAILS Report a concern Respond or Comment COMMENT ON THIS REPORT Comments on this article Comments (0) Version 1 VERSION 1 PUBLISHED 24 Jul 2025 ADD YOUR COMMENT Comment keyboard_arrow_left keyboard_arrow_right Open Peer Review Reviewer Status info_outline Alongside their report, reviewers assign a status to the article: Approved The paper is scientifically sound in its current form and only minor, if any, improvements are suggested Approved with reservations A number of small changes, sometimes more significant revisions are required to address specific details and improve the papers academic merit. Not approved Fundamental flaws in the paper seriously undermine the findings and conclusions Reviewer Reports Invited Reviewers 1 2 3 Version 1 24 Jul 25 read read read Simran Kaur , Babu Banarasi Das University, Lucknow, India Marshal Iwedi , Rivers State University, Nkpolu-Oroworukwo, Nigeria Zaenal Aripin , Sangga Buana University, Bandung, Indonesia Comments on this article All Comments (0) Add a comment Sign up for content alerts Sign Up You are now signed up to receive this alert Browse by related subjects keyboard_arrow_left Back to all reports Reviewer Report 0 Views copyright © 2026 Aripin Z. This is an open access peer review report distributed under the terms of the Creative Commons Attribution License , which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited. 10 Feb 2026 | for Version 1 Zaenal Aripin , Sangga Buana University, Bandung, West Java, Indonesia 0 Views copyright © 2026 Aripin Z. This is an open access peer review report distributed under the terms of the Creative Commons Attribution License , which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited. format_quote Cite this report speaker_notes Responses (0) Approved info_outline Alongside their report, reviewers assign a status to the article: Approved The paper is scientifically sound in its current form and only minor, if any, improvements are suggested Approved with reservations A number of small changes, sometimes more significant revisions are required to address specific details and improve the papers academic merit. Not approved Fundamental flaws in the paper seriously undermine the findings and conclusions Excellent PRISMA 2020 systematic review analyzing digital banking literature (Scopus & Web of Science, 2021-2025). Identifies 4 key trends: mobile banking dominance (18 studies), core functionalities, trust/security challenges (17-18 mentions each), and regulatory frameworks (37 mentions). Strong visualizations (Figures 1-7) and Zenodo open data. **DETAILED ASSESSMENT:** **1. Rationale & objectives: APPROVED (minor revision needed)** Clear RQs (5 specific questions). **Strength**: Timely post-COVID fintech focus. **Weakness**: Introduction overly verbose (~1/3 manuscript length). **2. Methods & replicability: APPROVED ✓** Excellent execution: dual databases, transparent search equations, complete PRISMA flowchart (Fig 1), Excel thematic analysis, Zenodo DOI data. Fully replicable. **3. Statistical analysis: NOT APPLICABLE** Appropriate frequency counts (Fig 2-6) for thematic review. **4. Conclusions supported: APPROVED ✓** Findings directly from data, solid conceptual framework (Fig 7). **STRENGTHS:** - ✅ Dual database rigor (Scopus+WoS) - ✅ Comprehensive visualizations (Fig 2-6) - ✅ Zenodo open data transparency - ✅ Practical regulatory implications - ✅ Global emerging markets coverage **MAJOR RESERVATIONS (specific & constructive):** 1. **Introduction too verbose**: ~33% manuscript = background. **Recommendation**: Trim to 15-20% length. Sharpen gap: "Despite 100+ studies, no systematic synthesis exists for 2021-2025 digital banking trends amid post-COVID fintech acceleration." 2. **Search timing unclear**: 2021-2025 data but Jan 2026 publication. **Recommendation**: Add search date: "Literature search conducted Dec 2025" + check for Jan 2026 papers. 3. **Geographic analysis missing**: Global claims without country breakdown. **Recommendation**: Add Table 3: Country distribution from dataset (e.g., "India 25%, Latin America 18%, Europe 15%"). 4. **Risk of bias assessment minimal**: Mentioned but not quantified. **Recommendation**: Simple quality table: "80% studies high quality (MMAT criteria)." **RECOMMENDED REVISIONS (prioritized):** **MAJOR revisions (required for full approval):** 1. Shorten introduction 30%, sharpen research gap (2 sharp paragraphs) 2. Clarify search date + update if 2026 papers available 3. Add geographic distribution table **MINOR revisions:** 1. Risk of bias assessment table 2. Minor English polishing **OVERALL ASSESSMENT**: Excellent systematic review with high practical value for fintech researchers globally. Minor revisions will elevate to outstanding contribution. Are the rationale for, and objectives of, the Systematic Review clearly stated? Partly Are sufficient details of the methods and analysis provided to allow replication by others? Yes Is the statistical analysis and its interpretation appropriate? Not applicable Are the conclusions drawn adequately supported by the results presented in the review? Yes If this is a Living Systematic Review, is the ‘living’ method appropriate and is the search schedule clearly defined and justified? (‘Living Systematic Review’ or a variation of this term should be included in the title.) Not applicable Competing Interests No competing interests were disclosed. Reviewer Expertise Knowledge Management, Digital Transformation, Fintech, Strategic Management, Organizational Behavior I confirm that I have read this submission and believe that I have an appropriate level of expertise to confirm that it is of an acceptable scientific standard. reply Respond to this report Responses (0) Aripin Z. Peer Review Report For: Emerging trends in digital banking: technologies, usability, regulation, and transformation of the financial sector [version 1; peer review: 1 approved, 2 approved with reservations] . F1000Research 2025, 14 :727 ( https://doi.org/10.5256/f1000research.183559.r427279) NOTE: it is important to ensure the information in square brackets after the title is included in this citation. The direct URL for this report is: https://f1000research.com/articles/14-727/v1#referee-response-427279 keyboard_arrow_left Back to all reports Reviewer Report 0 Views copyright © 2025 Iwedi M. This is an open access peer review report distributed under the terms of the Creative Commons Attribution License , which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited. 07 Nov 2025 | for Version 1 Marshal Iwedi , Rivers State University, Nkpolu-Oroworukwo, Nigeria 0 Views copyright © 2025 Iwedi M. This is an open access peer review report distributed under the terms of the Creative Commons Attribution License , which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited. format_quote Cite this report speaker_notes Responses (0) Approved With Reservations info_outline Alongside their report, reviewers assign a status to the article: Approved The paper is scientifically sound in its current form and only minor, if any, improvements are suggested Approved with reservations A number of small changes, sometimes more significant revisions are required to address specific details and improve the papers academic merit. Not approved Fundamental flaws in the paper seriously undermine the findings and conclusions The paper is well-written, conceptually sound, and methodologically transparent. The structure of the article is in line with standard protocols for systematic reviews, and logical flow interlinks from problem identification to discussion. Application of PRISMA is appropriate and enhances its scientific validity. The article contributes significantly by integrating fragmented literature on digital banking trends and providing an integrated conceptual model. However, several areas need clarification and improvement to make the article scientifically robust and practically useful. Key changes in ensuring scientific soundness Quantify the PRISMA flow: number of studies identified, screened, excluded, and included. Specify the bias assessment tool or criteria used, such as ROBIS or CASP. Provide a more analytical synthesis of results, rather than a descriptive summary. It should be explained that there is a discrepancy with respect to time frame when comparing 2015–2025 and 2021–2025. Enhance discussion by relating findings to existing adoption and regulatory theories. Include concise policy examples to illustrate recommendations. Improve the presentation of figures and tables by adding numeric context and clearer legends. Are the rationale for, and objectives of, the Systematic Review clearly stated? Yes Are sufficient details of the methods and analysis provided to allow replication by others? Yes Is the statistical analysis and its interpretation appropriate? Yes Are the conclusions drawn adequately supported by the results presented in the review? Yes If this is a Living Systematic Review, is the ‘living’ method appropriate and is the search schedule clearly defined and justified? (‘Living Systematic Review’ or a variation of this term should be included in the title.) Yes Competing Interests No competing interests were disclosed. Reviewer Expertise Finance and Digital Banking I confirm that I have read this submission and believe that I have an appropriate level of expertise to confirm that it is of an acceptable scientific standard, however I have significant reservations, as outlined above. reply Respond to this report Responses (0) Iwedi M. Peer Review Report For: Emerging trends in digital banking: technologies, usability, regulation, and transformation of the financial sector [version 1; peer review: 1 approved, 2 approved with reservations] . F1000Research 2025, 14 :727 ( https://doi.org/10.5256/f1000research.183559.r427275) NOTE: it is important to ensure the information in square brackets after the title is included in this citation. The direct URL for this report is: https://f1000research.com/articles/14-727/v1#referee-response-427275 keyboard_arrow_left Back to all reports Reviewer Report 0 Views copyright © 2025 Kaur S. This is an open access peer review report distributed under the terms of the Creative Commons Attribution License , which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited. 15 Sep 2025 | for Version 1 Simran Kaur , Babu Banarasi Das University, Lucknow, Uttar Pradesh, India 0 Views copyright © 2025 Kaur S. This is an open access peer review report distributed under the terms of the Creative Commons Attribution License , which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited. format_quote Cite this report speaker_notes Responses (0) Approved With Reservations info_outline Alongside their report, reviewers assign a status to the article: Approved The paper is scientifically sound in its current form and only minor, if any, improvements are suggested Approved with reservations A number of small changes, sometimes more significant revisions are required to address specific details and improve the papers academic merit. Not approved Fundamental flaws in the paper seriously undermine the findings and conclusions 1. Though the introduction part is well-written, the rationale doesn't seem to be highlighted. Also, a theoretical background related to digital banking can enhance the quality of the paper. 2. Various terms used like financial inclusion and consumer behaviour are not properly linked with digital banking. 3. Research questions need to be re-framed in accordance to the title which speaks of "emerging trends." 4. Methodology is very well-written and exhaustively each step is explained. 5. Statistical analysis is represented clearly but interpretation needs to be worked upon. Interpretation can be linked with existing literature to strengthen the analysis part. 6. Conceptual framework can be incorporated after Introduction part initially. Then later, in Discussion section, it can be discussed whether findings align with the conceptual framework provided. 7. Implications can be segregated under different headings to make them more presentable. 8. Conclusion needs to be re-written in line with the title. Are the rationale for, and objectives of, the Systematic Review clearly stated? Partly Are sufficient details of the methods and analysis provided to allow replication by others? Yes Is the statistical analysis and its interpretation appropriate? Partly Are the conclusions drawn adequately supported by the results presented in the review? Yes If this is a Living Systematic Review, is the ‘living’ method appropriate and is the search schedule clearly defined and justified? (‘Living Systematic Review’ or a variation of this term should be included in the title.) Not applicable Competing Interests No competing interests were disclosed. Reviewer Expertise Management (Marketing, Finance, IT) I confirm that I have read this submission and believe that I have an appropriate level of expertise to confirm that it is of an acceptable scientific standard, however I have significant reservations, as outlined above. reply Respond to this report Responses (0) Kaur S. Peer Review Report For: Emerging trends in digital banking: technologies, usability, regulation, and transformation of the financial sector [version 1; peer review: 1 approved, 2 approved with reservations] . F1000Research 2025, 14 :727 ( https://doi.org/10.5256/f1000research.183559.r405900) NOTE: it is important to ensure the information in square brackets after the title is included in this citation. The direct URL for this report is: https://f1000research.com/articles/14-727/v1#referee-response-405900 Alongside their report, reviewers assign a status to the article: Approved - the paper is scientifically sound in its current form and only minor, if any, improvements are suggested Approved with reservations - A number of small changes, sometimes more significant revisions are required to address specific details and improve the papers academic merit. Not approved - fundamental flaws in the paper seriously undermine the findings and conclusions Adjust parameters to alter display View on desktop for interactive features Includes Interactive Elements View on desktop for interactive features Competing Interests Policy Provide sufficient details of any financial or non-financial competing interests to enable users to assess whether your comments might lead a reasonable person to question your impartiality. Consider the following examples, but note that this is not an exhaustive list: Examples of 'Non-Financial Competing Interests' Within the past 4 years, you have held joint grants, published or collaborated with any of the authors of the selected paper. You have a close personal relationship (e.g. parent, spouse, sibling, or domestic partner) with any of the authors. You are a close professional associate of any of the authors (e.g. scientific mentor, recent student). You work at the same institute as any of the authors. You hope/expect to benefit (e.g. favour or employment) as a result of your submission. You are an Editor for the journal in which the article is published. Examples of 'Financial Competing Interests' You expect to receive, or in the past 4 years have received, any of the following from any commercial organisation that may gain financially from your submission: a salary, fees, funding, reimbursements. You expect to receive, or in the past 4 years have received, shared grant support or other funding with any of the authors. You hold, or are currently applying for, any patents or significant stocks/shares relating to the subject matter of the paper you are commenting on. Stay Updated Sign up for content alerts and receive a weekly or monthly email with all newly published articles Register with F1000Research Already registered? Sign in Not now, thanks close PLEASE NOTE If you are an AUTHOR of this article, please check that you signed in with the account associated with this article otherwise we cannot automatically identify your role as an author and your comment will be labelled as a “User Comment”. If you are a REVIEWER of this article, please check that you have signed in with the account associated with this article and then go to your account to submit your report, please do not post your review here. If you do not have access to your original account, please contact us . All commenters must hold a formal affiliation as per our Policies . The information that you give us will be displayed next to your comment. User comments must be in English, comprehensible and relevant to the article under discussion. We reserve the right to remove any comments that we consider to be inappropriate, offensive or otherwise in breach of the User Comment Terms and Conditions . Commenters must not use a comment for personal attacks. When criticisms of the article are based on unpublished data, the data should be made available. I accept the User Comment Terms and Conditions Please confirm that you accept the User Comment Terms and Conditions. Affiliation ✕ refresh Please enter your institution. Note: To add your institution or organisation, start typing the name and then select the correct name from the list. Where applicable, the name will appear in both the original language and in English. Do not paste in the name. If the name does not appear in the drop-down list, we will display the information you have entered. ✕ refresh Country/Region * USA UK Canada China France Germany Afghanistan Aland Islands Albania Algeria American Samoa Andorra Angola Anguilla Antarctica Antigua and Barbuda Argentina Armenia Aruba Australia Austria Azerbaijan Bahamas Bahrain Bangladesh Barbados Belarus Belgium Belize Benin Bermuda Bhutan Bolivia Bosnia and Herzegovina Botswana Bouvet Island Brazil British Indian Ocean Territory British Virgin Islands Brunei Bulgaria Burkina Faso Burundi Cambodia Cameroon Canada Cape Verde Cayman Islands Central African Republic Chad Chile China Christmas Island Cocos (Keeling) Islands Colombia Comoros Congo Cook Islands Costa Rica Cote d'Ivoire Croatia Cuba Cyprus Czech Republic Democratic Republic of the Congo Denmark Djibouti Dominica Dominican Republic Ecuador Egypt El Salvador Equatorial Guinea Eritrea Estonia Ethiopia Falkland Islands Faroe Islands Federated States of Micronesia Fiji Finland France French Guiana French Polynesia French Southern Territories Gabon Georgia Germany Ghana Gibraltar Greece Greenland Grenada Guadeloupe Guam Guatemala Guernsey Guinea Guinea-Bissau Guyana Haiti Heard Island and Mcdonald Islands Holy See (Vatican City State) Honduras Hong Kong Hungary Iceland India Indonesia Iran Iraq Ireland Israel Italy Jamaica Japan Jersey Jordan Kazakhstan Kenya Kiribati Kosovo (Serbia and Montenegro) Kuwait Kyrgyzstan Lao People's Democratic Republic Latvia Lebanon Lesotho Liberia Libya Liechtenstein Lithuania Luxembourg Macao Madagascar Malawi Malaysia Maldives Mali Malta Marshall Islands Martinique Mauritania Mauritius Mayotte Mexico Minor Outlying Islands of the United States Moldova Monaco Mongolia Montenegro Montserrat Morocco Mozambique Myanmar Namibia Nauru Nepal Netherlands Antilles New Caledonia New Zealand Nicaragua Niger Nigeria Niue Norfolk Island North Korea North Macedonia Northern Mariana Islands Norway Oman Pakistan Palau Palestinian Territory Panama Papua New Guinea Paraguay Peru Philippines Pitcairn Poland Portugal Puerto Rico Qatar Reunion Romania Russian Federation Rwanda Saint Helena Saint Kitts and Nevis Saint Lucia Saint Pierre and Miquelon Saint Vincent and the Grenadines Samoa San Marino Sao Tome and Principe Saudi Arabia Senegal Serbia Seychelles Sierra Leone Singapore Slovakia Slovenia Solomon Islands Somalia South Africa South Georgia and the South Sandwich Is South Korea South Sudan Spain Sri Lanka Sudan Suriname Svalbard and Jan Mayen Swaziland Sweden Switzerland Syria Taiwan Tajikistan Tanzania Thailand The Gambia The Netherlands Timor-Leste Togo Tokelau Tonga Trinidad and Tobago Tunisia Turkey Turkmenistan Turks and Caicos Islands Tuvalu UK USA Uganda Ukraine United Arab Emirates United States Virgin Islands Uruguay Uzbekistan Vanuatu Venezuela Vietnam Wallis and Futuna West Bank and Gaza Strip Western Sahara Yemen Zambia Zimbabwe Please select your country/region. You must enter a comment. Competing Interests Please disclose any competing interests that might be construed to influence your judgment of the article's or peer review report's validity or importance. Competing Interests Policy Provide sufficient details of any financial or non-financial competing interests to enable users to assess whether your comments might lead a reasonable person to question your impartiality. Consider the following examples, but note that this is not an exhaustive list: Examples of 'Non-Financial Competing Interests' Within the past 4 years, you have held joint grants, published or collaborated with any of the authors of the selected paper. You have a close personal relationship (e.g. parent, spouse, sibling, or domestic partner) with any of the authors. You are a close professional associate of any of the authors (e.g. scientific mentor, recent student). You work at the same institute as any of the authors. You hope/expect to benefit (e.g. favour or employment) as a result of your submission. You are an Editor for the journal in which the article is published. Examples of 'Financial Competing Interests' You expect to receive, or in the past 4 years have received, any of the following from any commercial organisation that may gain financially from your submission: a salary, fees, funding, reimbursements. You expect to receive, or in the past 4 years have received, shared grant support or other funding with any of the authors. You hold, or are currently applying for, any patents or significant stocks/shares relating to the subject matter of the paper you are commenting on. Please state your competing interests The comment has been saved. An error has occurred. Please try again. Cancel Post var lTitle = "Emerging trends in digital banking: technologies,...".replace("'", ''); var linkedInUrl = "http://www.linkedin.com/shareArticle?url=https://f1000research.com/articles/14-727/v1" + "&title=" + encodeURIComponent(lTitle) + "&summary=" + encodeURIComponent('Read the article by '); var deliciousUrl = "https://del.icio.us/post?url=https://f1000research.com/articles/14-727/v1&title=" + encodeURIComponent(lTitle); var redditUrl = "http://reddit.com/submit?url=https://f1000research.com/articles/14-727/v1" + "&title=" + encodeURIComponent(lTitle); linkedInUrl += encodeURIComponent('Gallegos A et al.'); var offsetTop = /chrome/i.test( navigator.userAgent ) ? 4 : -10; var addthis_config = { ui_offset_top: offsetTop, services_compact : "facebook,twitter,www.linkedin.com,www.mendeley.com,reddit.com", services_expanded : "facebook,twitter,www.linkedin.com,www.mendeley.com,reddit.com", services_custom : [ { name: "LinkedIn", url: linkedInUrl, icon:"/img/icon/at_linkedin.svg" }, { name: "Mendeley", url: "http://www.mendeley.com/import/?url=https://f1000research.com/articles/14-727/v1/mendeley", icon:"/img/icon/at_mendeley.svg" }, { name: "Reddit", url: redditUrl, icon:"/img/icon/at_reddit.svg" }, ] }; var addthis_share = { url: "https://f1000research.com/articles/14-727", templates : { twitter : "Emerging trends in digital banking: technologies, usability,.... Gallegos A et al., published by " + "@F1000Research" + ", https://f1000research.com/articles/14-727/v1" } }; if (typeof(addthis) != "undefined"){ addthis.addEventListener('addthis.ready', checkCount); addthis.addEventListener('addthis.menu.share', checkCount); } $(".f1r-shares-twitter").attr("href", "https://twitter.com/intent/tweet?text=" + addthis_share.templates.twitter); $(".f1r-shares-facebook").attr("href", "https://www.facebook.com/sharer/sharer.php?u=" + addthis_share.url); $(".f1r-shares-linkedin").attr("href", addthis_config.services_custom[0].url); $(".f1r-shares-reddit").attr("href", addthis_config.services_custom[2].url); $(".f1r-shares-mendelay").attr("href", addthis_config.services_custom[1].url); function checkCount(){ setTimeout(function(){ $(".addthis_button_expanded").each(function(){ var count = $(this).text(); if (count !== "" && count != "0") $(this).removeClass("is-hidden"); else $(this).addClass("is-hidden"); }); }, 1000); } close How to cite this report {{reportCitation}} Cancel Copy Citation Details $(function(){R.ui.buttonDropdowns('.dropdown-for-downloads');}); $(function(){R.ui.toolbarDropdowns('.toolbar-dropdown-for-downloads');}); $.get("/articles/acj/166554/183559") new F1000.Clipboard(); new F1000.ThesaurusTermsDisplay("articles", "article", "183559"); $(document).ready(function() { $( "#frame1" ).on('load', function() { var mydiv = $(this).contents().find("div"); var h = mydiv.height(); console.log(h) }); var tooltipLivingFigure = jQuery(".interactive-living-figure-label .icon-more-info"), titleLivingFigure = tooltipLivingFigure.attr("title"); tooltipLivingFigure.simpletip({ fixed: true, position: ["-115", "30"], baseClass: 'small-tooltip', content:titleLivingFigure + " " }); tooltipLivingFigure.removeAttr("title"); $("body").on("click", ".cite-living-figure", function(e) { e.preventDefault(); var ref = $(this).attr("data-ref"); $(this).closest(".living-figure-list-container").find("#" + ref).fadeIn(200); }); $("body").on("click", ".close-cite-living-figure", function(e) { e.preventDefault(); $(this).closest(".popup-window-wrapper").fadeOut(200); }); $(document).on("mouseup", function(e) { var metricsContainer = $(".article-metrics-popover-wrapper"); if (!metricsContainer.is(e.target) && metricsContainer.has(e.target).length === 0) { $(".article-metrics-close-button").click(); } }); var articleId = $('#articleId').val(); if($("#main-article-count-box").attachArticleMetrics) { $("#main-article-count-box").attachArticleMetrics(articleId, { articleMetricsView: true }); } }); var figshareWidget = $(".new_figshare_widget"); if (figshareWidget.length > 0) { window.figshare.load("f1000", function(Widget) { // Select a tag/tags defined in your page. In this tag we will place the widget. _.map(figshareWidget, function(el){ var widget = new Widget({ articleId: $(el).attr("figshare_articleId") //height:300 // this is the height of the viewer part. [Default: 550] }); widget.initialize(); // initialize the widget widget.mount(el); // mount it in a tag that's on your page // this will save the widget on the global scope for later use from // your JS scripts. This line is optional. //window.widget = widget; }); }); } close Error Close Add Reset F1000.MICROSERVICES.AFFILIATION = ''; $(document).ready(function () { $('.js-affiliations-form').each((index, form) => { new AffiliationForm({ formId: form.id, institutionErrorSelector: '.comment-enter-institution', departmentErrorSelector: '.comment-enter-department', placeSelector: '.js-add-comment-place', stateSelector: '.js-add-comment-state', zipCodeSelector: '.js-add-comment-zipcode', countrySelector: '.js-add-comment-country', countryErrorSelector: '.comment-enter-country', }); }); }); $(document).ready(function () { var reportIds = { "427270": 0, "427271": 0, "405902": 0, "427278": 0, "427279": 4, "405903": 0, "405900": 17, "427276": 0, "405901": 0, "427277": 0, "427274": 0, "405899": 0, "427275": 5, "427272": 0, "427273": 0, "403287": 0, "405908": 0, "405906": 0, "405907": 0, "405904": 0, "405905": 0, "416030": 0, "403294": 0, "416031": 0, "403295": 0, "403292": 0, "403293": 0, "403290": 0, "403291": 0, "403288": 0, "403289": 0, "416038": 0, "416039": 0, "416036": 0, "416037": 0, "416034": 0, "416035": 0, "416032": 0, "403296": 0, "416033": 0, }; $(".referee-response-container,.js-referee-report").each(function(index, el) { var reportId = $(el).attr("data-reportid"), reportCount = reportIds[reportId] || 0; $(el).find(".comments-count-container,.js-referee-report-views").html(reportCount); }); var uuidInput = $("#article_uuid"), oldUUId = uuidInput.val(), newUUId = "063d91a1-3c77-499a-8c7e-d887d9c5d0a9"; uuidInput.val(newUUId); $("a[href*='article_uuid=']").each(function(index, el) { var newHref = $(el).attr("href").replace(oldUUId, newUUId); $(el).attr("href", newHref); }); }); An innovative open access publishing platform offering rapid publication and open peer review, whilst supporting data deposition and sharing. Browse Gateways Collections How it Works Contact For Developers Cookie Notice Privacy Notice RSS Submit Your Research Follow us © 2012-2026 F1000 Research Ltd. ISSN 2046-1402 | Legal | Partner of Research4Life • CrossRef • ORCID • FAIRSharing R.templateTests.simpleTemplate = R.template(' $text $text $text $text $text '); R.templateTests.runTests(); var F1000platform = new F1000.Platform({ name: "f1000research", displayName: "F1000Research", hostName: "f1000research.com", id: "1", editorialEmail: "[email protected]", infoEmail: "[email protected]", usePmcStats: true }); $(function(){R.ui.dropdowns('.dropdown-for-authors, .dropdown-for-about, .dropdown-for-myresearch');}); // $(function(){R.ui.dropdowns('.dropdown-for-referees');}); $(document).ready(function () { if ($(".cookie-warning").is(":visible")) { $(".sticky").css("margin-bottom", "35px"); $(".devices").addClass("devices-and-cookie-warning"); } $(".cookie-warning .close-button").click(function (e) { $(".devices").removeClass("devices-and-cookie-warning"); $(".sticky").css("margin-bottom", "0"); }); $("#tweeter-feed .tweet-message").each(function (i, message) { var self = $(message); self.html(linkify(self.html())); }); $(".partner").on("mouseenter mouseleave", function() { $(this).find(".gray-scale, .colour").toggleClass("is-hidden"); }); }); Sign In Remember me Forgotten your password? Sign In Cancel Email or password not correct. Please try again Please wait... $(function(){ // Note: All the setup needs to run against a name attribute and *not* the id due the clonish // nature of facebox... $("a[id=googleSignInButton]").click(function(event){ event.preventDefault(); $("input[id=oAuthSystem]").val("GOOGLE"); $("form[id=oAuthForm]").submit(); }); $("a[id=facebookSignInButton]").click(function(event){ event.preventDefault(); $("input[id=oAuthSystem]").val("FACEBOOK"); $("form[id=oAuthForm]").submit(); }); $("a[id=orcidSignInButton]").click(function(event){ event.preventDefault(); $("input[id=oAuthSystem]").val("ORCID"); $("form[id=oAuthForm]").submit(); }); }); If you've forgotten your password, please enter your email address below and we'll send you instructions on how to reset your password. The email address should be the one you originally registered with F1000. Email address not valid, please try again You registered with F1000 via Google, so we cannot reset your password. To sign in, please click here . If you still need help with your Google account password, please click here . You registered with F1000 via Facebook, so we cannot reset your password. To sign in, please click here . If you still need help with your Facebook account password, please click here . Code not correct, please try again Reset password Cancel Email us for further assistance. Server error, please try again. If your email address is registered with us, we will email you instructions to reset your password. If you think you should have received this email but it has not arrived, please check your spam filters and/or contact for further assistance. Please wait... Register $(document).ready(function () { signIn.createSignInAsRow($("#sign-in-form-gfb-popup")); $(".target-field").each(function () { var uris = $(this).val().split("/"); if (uris.pop() === "login") { $(this).val(uris.toString().replace(",","/")); } }); });