The impact of banking digitalisation on retail and corporate client acquisition in Romania
Extended Abstract
This paper examines banking digitalisation in Romania from the perspective of financial institutions’ capacity to attract new clients — both individuals (retail) and legal entities (corporate) through digital channels. The study is motivated by the accelerated structural...
This research aims to analyze the structural impact of market deregulation on consumer behavior, specifically focusing on the "paradox of fulfillment". The paper explores how the elimination of scarcity—traditionally a core driver of economic value—alters the psychological and social utility of goods. By examining contemporary economic models that prioritize immediate satisfaction, the study...
The enforced collection of tax receivables represents the final stage of tax administration, through which the state forcibly recovers owed amounts (taxes, duties, contributions) if they have not been paid voluntarily. The procedure is primarily regulated by Law no. 207/2015 on the Tax Procedure Code.
The tax authority may use the following methods, successively or...
Decentralized finance (DeFi) is increasingly discussed as a successor to traditional financial intermediation, yet its significance for investment capital depends on whether protocol-based mechanisms can deliver durable improvements in settlement, governance, and market integrity rather than episodic gains driven by speculative cycles. This article evaluates DeFi as an alternative financial...
This research provides a comprehensive analysis of the information architecture governing public sector transparency in Romania, with a primary focus on budgetary reporting and fiscal accountability. In the context of increasing European demands for financial discipline, the study maps the complex circulation of data between critical operational systems, specifically Forexebug and PatrimVen,...
Abstract
The agricultural sector in Central and Eastern Europe (CEE), with a particular focus on Romania, is characterized by a structural paradox: high agricultural potential coupled with a limited capacity to generate value added along the production chain. Although transitioning towards high-performance agribusiness requires significant capital infusions, access to traditional bank lending...
Public sector transparency bears a significant importance in the underlying processes that foster advancing democratic governance, building trust in public systems and institutions, all while mitigating negative phenomena such as corruption and misinformation. Current developments reveal a straining concern for core themes surrounding public trust and comprehension of public systems, while...
The study explores the evolution of the research on the Environment Kuznets Curve (EKC) through a exhaustive bibliometric analysis, using SCOPUS platform, aiming to map its theoretical foundations, empirical contributions and emerging research directions. The EKC hypothesis, originally introduced by Grossman and Krueger in 1991, proposes an inverted U-shaped relationship between economic...
