The present study aims to explain the customer retention pattern in electronic banking. The research method is applied in terms of its purpose, quantitative in terms of implementation, and descriptive-correlational in terms of nature and method. A standard questionnaire based on a 5-point Likert scale was used to collect research data. The content validity of the tool was confirmed by specialists and experts, and Cronbach's alpha and composite reliability were used to measure the reliability of the tool. By distributing the questionnaire, the validity of the tool was measured with three methods: construct validity (external model), convergent validity (AVE), and divergent validity. The AVE value for all variables should be greater than 0.5. SPSS and PLS software were used to analyze the data. The results of structural equation modeling with SmartPL software showed that integrated service quality, strategic marketing communications, digital interactive experience, and predictive innovation play a decisive role in increasing customer satisfaction, trust, and loyalty. Service quality creates a positive customer experience by providing easy access, proper system performance, and a variety of services, and reduces churn. Strategic marketing communications with targeted and personalized interactions strengthen the customer's sense of belonging to the bank. Digital interactive experiences increase customer loyalty by designing simple user interfaces, building trust, and incorporating human elements. Predictive innovation also creates lasting satisfaction and trust by anticipating customer needs and providing smart and secure services. The research findings emphasize that banks' success in retaining customers requires a comprehensive and simultaneous approach to these four factors.