Evaluation of Banking Digitization Policy of Romanian Commercial Banks

Renate Bratu () and Nicolae Petria ()
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Renate Bratu: Lucian Blaga University of Sibiu
Nicolae Petria: Lucian Blaga University of Sibiu

A chapter in Innovative Business Development—A Global Perspective, 2018, pp 21-39 from Springer

Abstract: Abstract Nowadays, even in Romania, we faced with process of digitalization of financial system, especially of banking system. Natural person—banks relationships are more and more distant as location, but more and faster as financial transaction results, because of banking digitalization process based on performance of internet era. The paper’s aims are to answer to questions like: Are Romanian past, actual and future generations prepared to be fully integrated in banking digitalization process? Do Romanian natural person understands the usefulness and benefits of digital banking services/? Or, how benefits of Romanian commercial banks are changing? The methodological support includes analyzing empirical data, based on statistical and financial instruments. Our preliminary results suggest that in Romania the digitalization of banking services is quite low, being in direct correlation with low level of financial education of Romanian people.

Keywords: Digital banking; Retail banking; Financial education; Generational cohorts (search for similar items in EconPapers)
Date: 2018
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Persistent link: https://EconPapers.repec.org/RePEc:spr:prbchp:978-3-030-01878-8_3

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DOI: 10.1007/978-3-030-01878-8_3

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