b6c50c32-0e0f-4fe3-9649-fb40bb0f358120250804095615378wseas:wseasmdt@crossref.orgMDT DepositWSEAS TRANSACTIONS ON COMPUTER RESEARCH2415-15211991-875510.37394/232018http://wseas.org/wseas/cms.action?id=13372110202511020251310.37394/232018.2025.13https://wseas.com/journals/cr/2025.phpTriska DewiPramitasariEconomy and Business Faculty, Universitas Abdurachman Saleh Situbondo, INDONESIANandaWidaninggarEconomy and Business Faculty, Universitas Abdurachman Saleh Situbondo, INDONESIARizaRachmanEconomy and Business Faculty, Universitas Abdurachman Saleh Situbondo, INDONESIAThis research aims to predict the shift of consumers to digital platforms for spending and saving-investing and the future of the banking business model. Data used in this study were the opinions of experts and practitioners through a pairwise questionnaire survey. The methods used were a two-round Delphi process and an Analytical Network Process (ANP). The findings indicate that consumers are anticipated to transition from conventional platforms to digital platforms, including both expenditure and capital allocation avenues, by considering technology advancements, online consumer behavior, and future consumer expectations. The banking business model is anticipated to evolve towards Beyond Banking or Open Banking. Therefore, authorities must devise a comprehensive strategy for the future of the financial sector to cultivate robust financial and commercial systems.84202584202554255750https://wseas.com/journals/cr/2025/b025107-3162.pdf10.37394/232018.2025.13.50https://wseas.com/journals/cr/2025/b025107-3162.pdf10.5750/ijme.v165ia1.1177YILDIRIM, U., & İNEGOL, G. M. (2023). Seafarer Selection for Sustainable Shipping: Case Study for Turkey. International Journal of Maritime Engineering, 165(A1), 71–88. https://doi.org/10.5750/ijme.v165iA1.1177. 10.1016/j.jretconser.2019.101894Singh, N., & Sinha, N. (2020). 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