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Author: Vladimir-Aurelian Enăchescu Vol. 10 • No. 19 • November 2025 View abstract PDF View article PDF Abstract This study examines the psychological determinants influencing financial decision-making within Small and Medium Enterprises (SMEs), focusing on cognitive biases and risk perception. Drawing from an interdisciplinary framework that integrates economic theory with cognitive psychology, the research aims …

THE PSYCHOLOGICAL DETERMINANTS OF FINANCIAL DECISION-MAKING IN SMES: AN EMPIRICAL ANALYSIS OF COGNITIVE BIASES AND RISK PERCEPTION Read More »

Authors: Silviu Cârstina, Mirela Cristea, Marian Ilie Siminică, Daniel Cîrciumaru, Gabriela Badareu Vol. 10 • No. 19 • November 2025 View abstract PDF View article PDF Abstract One of the major objectives of the EU is digitalization. The impact of digitalization is different from one sector to another and sometimes in contradiction with sustainability. Starting …

THE IMPACT OF DIGITALIZATION ON SUSTAINABLE DEVELOPMENT INDICATORS Read More »

Author: Geanina Gabriela Prodan Vol. 10 • No. 19 • November 2025 View abstract PDF View article PDF Abstract In the context of accelerated globalization of the economy, companies are constantly applying methods of adaptation, development and diversification of operations. External growth through mergers and acquisitions, as a rapid way of expansion, is impacted by …

THE IMPACT OF DIGITALIZATION AND REGULATIONS ON MERGERS AND ACQUISITIONS Read More »

Author: Ionuț Niculae Vol. 10 • No. 19 • November 2025 View abstract PDF View article PDF Abstract This study analyzes and presents the perceptions of young specialists in taxation regarding the underground economy and the role of digitalization in reducing it. For this purpose, a survey was conducted among students of the Master’s program …

DIGITALIZATION OF THE FINANCIAL SYSTEM AND THE SHADOW ECONOMY: INSIGHTS FROM FUTURE TAXATION EXPERTS Read More »

Author: George Cristian Gruia Vol. 10 • No. 19 • November 2025 View abstract PDF View article PDF Abstract This article investigates the pivotal role of the European Union’s Digital Operational Resilience Act (DORA) and Network and Information Security Directive 2 (NIS2) in bolstering cybersecurity resilience amid escalating threats to sensitive data in the digital …

ENHANCING CYBERSECURITY RESILIENCE: AN ANALYSIS OF DORA AND NIS2 IN THE EU DIGITAL ECONOMY Read More »

Authors: Costinela Fortea, Valentin Marian Antohi, Monica Laura Zlati Vol. 10 • No. 19 • November 2025 View abstract PDF View article PDF Abstract This study investigates how key financial variables—namely, the volume of new consumer credit, the level of interest rates, and government loan guarantees—influence household wealth accumulation in Romania. The research question guiding …

THE EFFECTS OF CREDIT, INTEREST RATES AND GOVERNMENT POLICIES ON HOUSEHOLD WEALTH IN ROMANIA Read More »

Author: Giorgiana-Roxana Ene Vol. 10 • No. 19 • November 2025 View abstract PDF View article PDF Abstract This paper investigates the evolution of the Harmonized Consumer Price Index (HICP) in light of the evolution of the price of electricity and gas, given the economic shocks generated by the COVID-19 pandemic and the Russian aggression …

THE INFLATIONARY IMPACT OF ENERGY PRICES. THE COVID-19 PANDEMIC AND RUSSIA-UKRAINE CONFLICT PERSPECTIVE Read More »

Author: Ștefan Daniel Armeanu Vol. 10 • No. 18 • 2025 View PDF At a time when global economic dynamics are facing unprecedented challenges, and fiscal instability, from inflationary pressures to the transition to sustainable models and the accelerated digitalization of all sectors, the Journal of Financial Studies continues its mission to promote quality research …

FOREWORD Read More »