FAP - Social Sciences Interdisciplinary & Educational research

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Browsing FAP - Social Sciences Interdisciplinary & Educational research by Subject "Digital transformation"

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    E-Banking Convergence and the Adopter's Behavior Changing Across EU Countries
    (SAGE , 2023-10) Grigorescu, Adriana; Oprișan, Oana; Lincaru, Cristina; Pîrciog, Speranța
    "The concepts of internet banking and mobile banking have led to changes in people's financial behavior in terms of earning, consuming, and saving. This new concept, which entered the market quite recently, was used at the beginning of the new digital technology in various types of activities, banking operations, and nowadays these services are used by all people who want to save through banks or create new sources of income, as well as to make quick currency exchanges without going to credit institutions. The main purpose of this paper is to analyze people's behavior toward new digital technologies, e-banking adoption, and non-banking financial institutions internet services. The objectives pursued are: whether e-banking users are homogeneous in their characteristics in the EU 27 and which users have the most convergent or divergent behavior in the EU 27. Statistical data taken from Eurostat 2023 was used for the Sigma convergence analysis, the time series taken into consideration being from 2004 to 2022. The results showed that the changes in the procedural-fiscal-financial sphere are the ones that fully reflect the two principles underlying the tax evolution: digitization and simplification. These results confirm that people are adopting the new digital technology and change their behavior from consumer to prosumer. The study shows that all most categories adopted e-banking using new digital technologies when it comes to consumption and saving, with few exceptions that should be carefully supported. E-Banking convergence and the adopter's behaviour within the EU CountriesThe concepts of internet banking and mobile banking have led to changes in people's financial behavior in terms of earning, consuming, and saving. This new concept, which entered the market quite recently, was used at the beginning of the new digital technology in various types of activities, banking operations, and nowadays these services are used by all people who want to save through banks or create new sources of income, as well as to make quick currency exchanges without going to credit institutions. The main purpose of this paper is to analyze people's behavior towards new digital technologies, e-banking adoption, and non-banking financial institutions internet services. The objectives pursued are: whether e-banking users are homogeneous in their characteristics in the EU 27 and which users have the most convergent or divergent behavior in the EU 27. Statistical data taken from Eurostat 2023 was used for the Sigma convergence analysis, the time series taken into consideration being from 2004 to 2022. The results showed that the changes in the procedural-fiscal-financial sphere are the ones that fully reflect the two principles underlying the tax evolution: digitization and simplification. These results confirm that people are adopting the new digital technology and change their behavior from consumer to prosumer. The study shows that all most categories adopted e-banking using new digital technologies when it comes to consumption and saving, with few exceptions that should be carefully supported. Digital transformation is not just about buying new, modern equipment, or retrieving data quickly and securely, but also about the technical implementation of state-of-the-art IT systems. It should be noted that digitization has had important effects on both public and private organizations and people, which can be translated as follows: time saved in people's interaction with public and private organizations; efficiency in administrative processes; transparency in their work. The economic environment becomes much more attractive and leads to investment and innovation in all areas. The digitization of all public or private services would also strengthen the administrative capacity of the whole population. Through studies, research, and future studies, it is essential to analyze and demonstrate that new digital technologies and their use could lead to the elimination of tax fraud, increased public confidence in local or central government and confidence in business. Finally, we can say that it is essential that new research in the field of digitization and e-banking use strengthens the literature reviews and explains at a higher level the answers to all research questions."
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    NO ONE LEFT BEHIND: ENABLING DIGITAL TRANSFORMATION OF HUMAN EUROPEAN WORKERS
    (Vilnius University, 2024) Duke, Benjamin; Grigorescu, Adriana; Lincaru, Cristina; Ciucă, Vasilica; Dragomir, Mihai Silviu
    Digital transformation generates rapid and radical structural changes, increasing the need to leave no one behind during the Industrial Revolution 4.0. New categories of workers are generated, and we can talk about the bots/robots as Digital Workers, the employees who are using digital facilities and have a digital education as Digital Human Workers, and the Human Workers who are not using digital instruments. Human Workers are the most exposed to being left behind once digital transformation is adopted by almost all the actors of the social and economic environment. Therefore, we find it urgent to dimension the scale of digital skills demanded at the EU level for the persons at risk of being left behind and estimate the average costs of transformative action at the enterprise level used for digital skills development. Public Employment Services have an important role among the enablers meant to accelerate digital skills for workers. Its primary target is the most vulnerable categories of workers. The study estimates the financial effort of continuous vocational training using a Linear Mixed Model on panel data from Eurostat. The results highlighted the new role of Public Employment Services as enablers of the Digital Transformation of Human European Workers, creating digital skills as portable skills that enhance the intersectoral mobility of Human Workers. Estimating the cost impact is relevant for policymakers and public decision-makers to create the framework of no one left behind. The findings contribute to a better understanding of the implementation effort for Enabling the Digital Transformation of Human European Workers.