Following profound technological transformations and changing customer behavior patterns in the 21st century, the banking system has faced fundamental challenges in customer acquisition and retention. This study aims to provide an analytical-review model to identify effective customer acquisition strategies in the contemporary banking ecosystem. The present study is based on a critical review of the literature related to modern banking, technology acceptance models such as TAM and UTAUT, and modern financial management, and provides a comprehensive structure to explain the key success factors. The research method is analytical-review and data has been collected through the analysis of scientific articles, specialized reports, and reliable sources.The findings show that successful customer acquisition is no longer based solely on price advantage or physical branch network, but requires a combination of a digitally-centric customer experience (CX), sustainable cybersecurity, and personalized financial services based on Big Data analytics. In addition, the three customer acquisition models of ease of access, differentiated value proposition, and digital trust are examined and it is shown that banks can optimize acquisition processes by leveraging artificial intelligence and machine learning. Finally, this study provides practical management and research recommendations so that financial institutions can strengthen their competitive position in the FinTech era