The Digitisation of the banking industry has been with us for some time, but the influence of new technologies and Fintech providers has ramped up the changing of the engagement channels between financial institutions and their clients. This paper examines the changing environment and the impacts up the actual usage and adoption of digital platform. It will also look to establish the impact FinTech’s are having on this change in the context of a rapidly changing Irish retails financial sector. Financial Acceptance Model & the Behavioural Economics theory of Nudging are used in a framework that will to be used to evaluate how
demographics and baking variables affect digital banking actual usage and adoption.