“…There are also many studies that focus on countries with specific religions -Islam (Amin, 2008;Mansour et al, 2010;Awan & Shahzad Bukhari, 2011;Sayani & Miniaoui, 2013) or those less developed economies such as Ghana, Pakistan or India (Blankson et al, 2009;Arora and Kaur, 2019;Butt et al, 2022). However, not many studies -available in Englishwere performed in East-Central Europe (Kennington et al, 1996;Katircioglu et al, 2011;Kreituss et al, 2021). And even though all these and other past studies have substantially contributed to the existing literature on bank selection, their findings may not be applicable to other countries as a result of cultural, historical, economic, and legal differences.…”