Assessing the Portfolio of Bank Guarantees by Specific Indicators for Determining Risks

This paper, entitled “Assessing the portfolio of bank guarantees by using specific indicators fordetermining risks”, deals with the determination, measurement and management of risks and aimsat assessing the quality of the portfolio of guarantees, by specific indicators for determining risks. Il also analyzes the risk levels of all the activities conducted by the NFIs, quantified in terms of thefollowing risk categories: guarantee risk, market risk, operational risk, liquidity risk, reputationaland strategic risk

Study on Risk Analysis and the Way of Framing the Activity of Credit Guarantee for SMEs in Prudential Requirements/ Indicators

This study deals with risk analysis and with the way of framing the activity of credit guaranteefor SMEs in terms of prudential requirements/ indicators. Il also tackles the ways of framing theactivity of guaranteeing, financing and treasury, under prudential requirements/ indicators, withinthe limits laid down for Non-Banking Financial Institutions, for Guaranteeing the Credits grantedto SMEs, by the National Credit Guarantee Fund for SMEs, under the Risk Policy and internalregulations (rules, procedures, operation instructions)

Perceptions and behavior-related intentions of consumers in smartphone-based mobile commerce

Research background: This article presents an empirical study carried out to evaluate and analyze perceptions and behavior-related intentions of consumers in smartphone-based mobile commerce globally. Purpose of the article: Building our argument by drawing on data collected from Nielsen and Statista, we performed analyses and made estimates regarding positive and negative aspects of smartphone shopping according to EU mobile shoppers, mobile shopping activities among smartphone and tablet owners, mobile visits to leading retail websites in the U.S., and most popular payment methods for everyday transactions according to Internet users worldwide. Methods: Data collected from 4,400 respondents are tested against the research model by using structural equation modeling. Findings & Value added: The sudden advancement of mobile technology has driven numerous retailers to strive and capitalize on smartphones as a supplementary tool in the operation of sales. Smartphone applications as an innovative channel can be carried out in retail marketing mix for the purpose of constituting constructive customer relationships. Consumer use of mobile shopping applications constitutes a thought-provoking difficult task for retailers and application developers. Habit and omnipresence unswervingly shape customers’ purposes and concrete mobile shopping usage behaviors. The browsing extent and rate of recurrence of non-shopping applications clarifies the quantity of shopping software mobile users hold on their smartphones. Product reviews are paramount to users and a manner of gaining information unspecified by the retailer

Investigating the digital convergence in European Union: an econometric analysis of pitfalls and pivots of digital economic transformation

AbstractThis study aims to investigate the convergence of digitalisation in the European Union (EU) in terms of DESI per capita in all EU countries during 2015–2020. The empirical results sustain the hypothesis of convergence of the degree of digital level in the European Union member countries. In evaluating the convergence process, we also aimed to investigate the role of economic development and education, measured by gross value added and education index. The analysis results, the use of sigma and beta convergence methods, showed that the role of economic development is likely to be decisive in resolving disparities, as opposed to that of educational development. The sigma convergence analysis showed that the gap between the EU-28 countries regarding digitalisation tends to decrease in the analysed period. Spatial data analysis, in turn, provides strong evidence for the presence of spatial autocorrelation in the DESI distribution. This result is based on a spatial lagged model that considers that DESI growth rates are related both to their initial levels of digitalisation and the growth rates of neighbouring regions