Facultatea de Ştiinţe Economice / Faculty of Economic Sciences

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Subject: search.filters.subject.blockchain

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    Development of the financial system in the digital era: challenges and future perspectives
    (CEP USM, 2024-10-24) Manta, Otilia; Rusu, Elena
    The purpose of this paper is to analyze the evolution of the financial system in the context of digital transformation, highlighting the main challenges faced by the sector and identifying future perspectives for its development. The study aims to explore how digitalization influences traditional financial models, focusing on both opportunities and risks.
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    EXPLORAREA METAVERSE ÎN SCOPUL DEZVOLTĂRII ACTIVITĂȚII BĂNCILOR COMERCIALE
    (CEP USM, 2024-11-07) Luchian, Ivan
    Examining metaverse, we refer to a virtual world in which users are represented by avatars and interact, as a rule, in 3D, being in social and economic connection. The objectives of the research consisted in determining the essence of the metaverse and the opportunities for the development of banking activities within it. Observation, analysis and synthesis were applied as research methods, with the views of experts in the metaverse sphere as the object of study. Banks have some important opportunities to invest and participate in the metaverse. The areas of banking in the metaverse space are the following: creating virtual banking subdivisions, banking with digital wallets, providing immersive customer services, working with digital assets, promoting financial education. The banking metaverse ecosystem contains several stakeholders, technologies and services, the functioning of which depends on the quality of the banking services provided.
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    TEMATICI EMERGENTE DESPRINSE DIN CADRUL ECOSISTEMULUI ECONOMICO-SOCIAL INFLUENȚAT DE TEHNOLOGIA BLOCKCHAIN
    (CEP USM, 2022) Cojocaru, Maria; Dascălu, Iulian
    Blockchain technology has surpassed its original condition in which it was associated with bitcoin or cryptocurrencies, reaching a new phase, in which it is perceived as a disruptive and revolutionary technology that will impact many aspects of our lives. This perception is largely due to conjecture concerning the future of this technology, it being at the moment in an incipient stage. Thus, due to the massive amount of conjucture regarding blockchain’s future, this paper aims to analyze the scientific literature on blockchain social and economic impact. The methodological tool used is SWOT analysis, which helps identify internal factors (strengths and weaknesses) and external factors (opportunities and threats), summarizing the arguments within the scientific literature. The results revealed the following aspects as strengths of this technology: reduced verification costs, confidentiality, the use of tokens and smart contracts. As weakness we identified the last hundred mile problem. Opportunities identified are related to: global warming and immigrant movements and access to statistical data. The main threats found are: regulations of technology that can inhibit the development process, lack of education and distrust of public. These factors can be considered emerging themes of blockchain technology, due to their involvement in the development of technology and their impact in the future on the economic and social environment. We consider these results relevant in understanding the direction and importance of blockchain technology.