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effects. Lee and Kim (2020) show that the number of provided services and trust have a positive effect, while security risks have a negative effect on the use of Internet-only banks' services, while in the case of pre-adoption, reaching the critical mass
. Accepting natural changes and adapting to them is a much greater challenge for some countries and regions, both in terms of everyday predictability and security risks. Referring to the results of international and Hungarian research, Pálvölgyi et al. (2016
increasingly testing and using artificial intelligence (AI) based technologies combined with biometric data in their efforts to strengthen border control and mitigate security risks related to cross-border terrorism and serious crime ( Dumbrava 2021 ). For
