This research probes into the digital transformation shifts in Romania and sets them against a backdrop of certain EU countries. Its primary objective is to spotlight digitalization’s significance assess its level integration within Romanian banking landscape. Our approach relies on detailed examination adoption instruments through correlation ANOVA assessments. The analysis DESI index associated dimensions reveals how Romania’s stands relation other member states. findings emphasize...

The Danube Delta, declared a Biosphere Reserve, has been permanent challenge in terms of harmonizing the economic activities with landscape conservation and development interests. Through public environmental policies, but also through plans area, it was attempted to optimize relationship between functioning biosphere (whose natural integrity should be preserved), on one hand, human activity exploiting resources, hand. Structural Funds have made major contribution achieving this goal, being...

This paper advances the study of relationship between attitude towards academic dishonesty and other types dishonest even fraudulent behavior, such as tax evasion piracy. It proposes a model in which attitudes two cheating fraud are systematically analyzed connection with complex set latent construct determinants control variables. attempts to predict tolerance social insurance piracy, using main predictor. The proposed surveys 504 student respondents, uses partial least squares—path...

The financial system and its components are of interest to economists, researchers practitioners in the field banking finance.In Romania more than 77% total assets represented by component.Based on this evidence, paper is an empirical analysis evolution volume structure period 2020-2023.By analysing share foreign versus domestic capital, we also wanted draw attention a possible risk contagion, as external factors have emerged recent years currently affecting economic balance.The motivation...

Worldwide, inflation is one of the most used terms when discussing economy and beyond.Inflation indicator that governments, population, financial entities, investors not least monetary authorities are interested in.Since central banks have price stability as their main objective or not, they act through policies necessary.Monetary decisions in Eurozone United States -as financially important regions -influence other economies.This paper focuses on study evolution rate these two cases because...

Bank profitability has been and will continue to be a topic of interest for all the actors in corporate banking governance.During this period, sector is facing double challenge sustaining credit flow new macroeconomic conditions characterized by high degree uncertainty managing rising financial risks.Shareholders are preoccupied with return on investment, management result commitments, monetary authority ensuring stability sector.This paper presents an analysis bank applied commercial...

The study of financial intermediation is a current issue constantly analyzed at the level national economies or geographical areas.The specialized literature rich in materials and support models.Therefore, we set out to analyze degree Romania period.By studying causal relationship between loans private sector banking assets as share GDP, will highlight trends, capturing subsequent causes effects.In future, this paper may be part larger that aims investigate for low Romania, identify main...

Earnings and labor productivity are important economic indicators, the relationship between them being analyzed by economists, employers policy makers. The earnings is for each region or sector, because it influences living standard distribution of income capital. This paper analyzes link gross average earning in textile industry during 2005‒2016 Romania. results analysis show that there a positive, but moderate correlation productivity. For this purpose were used statistical-econometric...

The digital age in which we live has brought changes to the financial and payments industry.Whereas until recently banknotes coins were power, recent years electronic money become main player payments.Due political regimes up 1990s, Eastern European countries late access innovations.However, years, market for bank cards been dynamic this part of EU as well.This paper analyses types present on Hungarian, Bulgarian Romanian markets.The comparative study evolution number over a period 7 will...

Monetary policy is a task of central banks.Until recently, each country had its own monetary policy.After the introduction single euro, for whole euro area ECB's responsibility.In non-euro EU countries, conducted by national bank.In regardless currency, instruments are: open market operations, standing facilities and minimum reserve requirements.These operations are based on interest rate, but also rate lending deposit facility.The study analysed corridor in which these rates situated period...

There is a famous saying: Money changes companies and change money.Nowadays there are more opinions about the future of money central banks.Is issuance still function banks?Regulation or deregulation?Society without physical money?These just some questions we hear from both general public financial banking world.This paper small study its necessity bank perspective.The on US case based data published by Federal Reserve brings dollar into focus.Based volume tightness analysis, results show...

Bank lending is at the stage of financial intermediation in most countries with a poorly diversified money market.The credit market Romania has been growing steadily since 2005 as result banks opening up to public.After advent first mortgages, took off and volume consumer reached peak.The unexpected Covid 19 pandemic brought minor changes structure bank Romania.The study reveals trends Romania.Due fact that main form financing Romania, presented important relevant for analysts public.