Direct influences on the behavior of consumer banking services Prof. univ. drd. Filimon Stremţan, Universitatea ”1 Decembrie 1918” Alba Iulia, filimon_stremtan@yahoo.com Asist. univ. drd. Andreea Bolog, Universitatea ”1 Decembrie 1918” Alba Iulia, bologandreea@yahoo.com Abstract: The banking services consumer behavior is influenced by many factors. This paper presents one of the most important category of such influences: direct influences on banking services consumer behavior. Key words: banking services, consumer behavior, banking services JEL Code: M31, G21