RSF Volumul 10 Numărul 19/2025

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

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 …

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

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 …

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

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 …

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

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 …

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