The influence of globalization is evident in the spheres of modern life. According to many, globalization and modern life are equivalents. But this graduate thesis looks at the impact of globalization on finance with an emphasis on banks as the most important financial intermediaries. It is clear that economic liberalization and the huge technological advances primarily of telecommunications and transport have caused many changes in the financial sector, as well as in banking. In order for banks to preserve their leadership as the most important financial intermediary, it is of great importance that they monitor technological progress and keep up with it. While traditional banking is focused on profit and cost reduction, modern banking responds to the needs of the client. In traditional banking, all banking services were exclusively available in the bank. Today, going to the bank is an exception. The advent of ATMs was the beginning of a revolution in bank distribution channels. Today, clients have internet and mobile banking at their disposal with ATMs and going to the banks has become rare. The client is allowed to carry out transactions and arrange banking services such as savings and loans 24/7 regardless of geographical location. This graduate thesis looks at the five leading banks according to the representation of distribution channels on the territory of the Republic of Croatia: Hrvatska poštanska banka, OTP Bank, Privredna banka Zagreb, Raiffeisen Bank and Zagrebačka banka. The purpose of this graduate thesis is to determine the extent to which the observed banks have adjusted their offer to clients. A comparison of their distribution channels and the functions of mobile applications was made and it was found that Privredna banka Zagreb responds best to the needs of clients.