**3.4. The affective evaluation of the banking service as antecedent of the functional benefit perceived by the client**

The affective purchase leads to greater satisfaction in the long term for purchases considered "important." Affective evaluation, that is, the emotional characteristics created around a product, has a positive influence on the functional benefit the consumer desires [17, 43]. An emotionally attractive product increases the functional benefit the customer desired [44]. In the context of the financial services industry, it is thus possible to formulate the following hypothesis:

**H4.** The better the effective evaluation of the banking service, the better the functional benefit perceived by the client.
