Implications of New Technologies on Saving Behavior in the Digital Economy

Keywords: Digital economy , Digital banking , Financial technology , Saving behaviour

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Authors:
  • Ana-Maria PECA (Oprea), PhD. Student, Affiliation:  School of Advanced Studies of the Romanian Academy, National Institute for Economic Research "Costin C. Kirițescu", Romania, Institute of Economic Forecasting, Romania;
  • Marilena DRAGHICI, PhD. Student, Affiliation:  School of Advanced Studies of the Romanian Academy, National Institute for Economic Research "Costin C. Kirițescu", Romania, “Victor Slăvescu” Centre for Financial and Monetary Research, Romania;
  • Isabelle Margareta OPREA, PhD, SR, Affiliation:  School of Advanced Studies of the Romanian Academy, National Institute for Economic Research "Costin C. Kirițescu", Romania, Institute of Economic Forecasting, Romania;
Pages:  87 : 95
Abstract: The research objectives of the authors' team aim to analyze the economic and social effects of migration in the EU space, with a special focus on Romania, in order to identify the main challenges and opportunities on the labour market. The innovative nature of the article is based on an interdisciplinary methodology, which combines economic and social research specific to fields such as macroeconomics and sociology with the analysis of public policies regarding migration. This article has examined the economic and social impact of migration in Romania within a broader European context, highlighting the increasingly complex role that migration plays in shaping demographic dynamics, labour markets, and public policy. The main findings are that Romania is currently facing a dual demographic challenge: a persistent negative natural population growth and accelerated population aging, which together exert strong pressure on the sustainability of the labour force and social protection systems. Although international migration has recorded a positive balance in recent years, this has not been sufficient to offset the demographic decline driven by low fertility and high mortality rates.
JEL classification: F22, J08, J1, J2, J61

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F22, J08, J1, J2, J61