Author: Valentin Mihai Leoveanu

Introduction. The objective considered in the research undertaken by the authors is the investigation of students from the Faculty of Public Administration and Business at the University of Bucharest on how to use e-commerce platforms during the SARS-CoV-2 pandemic crisis in 2020 from Romania. The analytical approaches focused on the frequency of use of e-commerce platforms during this period, but also compared to previous periods, the ways of accessing these platforms, the categories of products and services purchased, the typology of problems encountered in accessing and using, as well as methods of payment and delivery most frequently used.

Aim of the study. The analysis was based on a research methodology, both quantitative and qualitative, on the conditions and factors that determined the developments regarding the use of e-commerce platforms by students. The quantitative research was based on the analysis of a questionnaire containing 19 questions on the characteristics and determinants of the use of e-commerce platforms in 2020 by students. Qualitative research explores how the determinants of e-commerce use are placed in the context of the SARS-COV-2 pandemic crisis in Romania. The results of the present study highlight the leading factors that influence students’ purchases based on accessing e-commerce platforms, as well as the elements that could determine the increase in traffic within them.
Keywords: E-commerce, SARS-COV-2 pandemic, Social Media, security of payments, delivery methods
JEL Classification: C15, C51, D91, F14, M2

Introduction. As a result of the economic and financial relapses following the international financial crisis started in 2007, the examination of the way in which the bank lending of the non-financial companies at regional level in Romania evolved is relevant on the one hand, by presenting the transformations suffered by the credit conditions, and, on the other hand through its implications on the level of regional development, the absorption of structural and cohesion funds offered by the European Union, access to financing, as and the use of new financing methods.

Aim of the study. The approach by which this research is carried out is based on a qualitative method, and considers the collection, analysis and interpretation of the data from 2015 and 2019 included in the surveys and statistical studies carried out by the specialists of the National Bank of Romania and other Romanian institutions. The results of research underline a sustained correlation between the evolution of bank lending and the other aspects mentioned above, highlighting the importance of access to bank financing at territorial level in order to increase the level of regional development in Romania.
Keywords: bank lending, credit conditions, regional development, European funds absorption
JEL Classification: G21, G32

Introduction. The purpose of this paper is to highlight the influence of mobile payments on the development and consolidation of E-commerce businesses in Romania, as well as the tendencies of using mobile banking and mobile payments applications by consumers in this area. At the same time, the author makes a brief comparison of the mobile payment companies in Romania for 2019, in order to outline the features, advantages and benefits offered by them in the current context of business transformation by digital disruption.

Aim of the study. The research methodology is based on the analysis and interpretation of the data provided by the recent studies conducted by specialized companies in the field of Ecommerce and mobile payments, as well as based on the comparison method used to classify the services offered by the mobile payment companies. The findings of the research show that the impact of the introduction and use of mobile payments in Ecommerce businesses in Romania is a substantial one from the point of view of the increase of sales and profit, also showing an increase in the number of mobile payments companies in the conditions of diversification of their services.
Keywords: mobile payment, E-commerce business, Fin Tech companies, digital disruption
JEL Classification: G21, G23, L81