ABSTRACT
Understanding the activity of the minds of consumers is one of the main questions tried to be solved by many scientists in the field of consumer research. Still studies are often based on tests of self-assessment, observation, often ignoring the unconscious behavior of consumers. Often the decision-making processes largely occur on a subconscious level. Moreover, only 5% of knowledge is conscious knowledge. Unconscious processes, allow users faster and more efficient decisions than would be possible with a fully conscious processing of the stimulus. The financial services market is one of the most important elements of a market economy. In addition, the financial services market undergoes dynamic changes and at the same time there are no studies of the actual attitudes of consumers (both conscious and hidden) in relation to a virtual financial services, in particular in respect of the banking services market, which is one of the fastest growing high-tech service markets. After secondary sources analysis, projection methods research was made. For the purposes of research, special test was prepared including projection techniques like association expression and supplement tests. This method enabled preliminary identification of hidden and conscious consumer attitudes towards virtual banking services and to introduce first conclusions for further research.
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