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This article offers an examination of the transformative impact of artificial intelligence (AI) on marketing within the financial services sector, beginning with an exploration of the industry's evolution. As marketing strategies in financial services have shifted from traditional methods to digital-first, data-driven approaches, AI has emerged as a pivotal force driving efficiency, personalization, and customer engagement. The study delves into specific AI applications, such as predictive analytics for understanding customer behavior, machine learning models for dynamic customer segmentation, and automation tools that streamline targeted campaigns. Through a series of case studies, the article showcases real-world examples of AI-driven marketing successes in financial services, illustrating how companies are achieving enhanced customer satisfaction, increased operational efficiency, and data-driven decision-making. Despite these benefits, the discussion also highlights the potential drawbacks of AI adoption in this space, including ethical considerations, data privacy challenges, and the risk of over reliance on automated systems that could lead to diminished human oversight. By addressing both the powerful advantages and the inherent risks of AI in financial marketing, this article provides a balanced view of its role in shaping the future of customer engagement and operational excellence in financial services.

Copyright of Industria Textila is the property of Institutul National de Cercetare-Dezvoltare pentru Textile si Pielarie and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

The importance of artificial intelligence in the banking industry is reflected in the speed at which financial institutions are adopting and implementing AI solutions to improve their services and adapt to new market demands. The aim of this research is to conduct a bibliometric analysis of the involvement of artificial intelligence in the banking sector to provide a comprehensive overview of the current state of research to guide future directions and support the sustainable development of this rapidly expanding field. Another important objective is to identify research gaps and underexplored areas in the field of artificial intelligence in banking. The methodology used is a bibliometric analysis using VOSviewer, analysing 1089 papers from the Web of Science database. The results of the study provide relevant information for banking professionals but also for policy makers. Thus, the study highlights key areas where banks are using artificial intelligence to gain competitive advantage, thereby guiding practitioners in strategic decision making. Moreover, by identifying emerging trends and patterns in AI adoption, the study helps banking practitioners with foresight, enabling them to anticipate and prepare for future developments in the field. In terms of governmental implications, the study can contribute to the development of more nuanced regulatory frameworks that effectively balance the promotion of AI innovation with the protection of ethical standards and consumer protection. [ABSTRACT FROM AUTHOR]

In the present, risks are always present, but this thing doesn’t mean that the society can’t carry on the economic activity in conditions of a favorable result. Through the risks to which the entity is subject, an important place is the risk of bankruptcy. The level of this risk can be determined by using of large number of liquidity and solvability indicators on the base of dates from the balance of accounts and from the profit and loosing cont. In this paper is analyzed by comparison the risk of bankruptcy of companies listed at Bucharest Stock Exchange from three sectors of activity: production, commerce and tourism. It is analyzed the evolution of score Z, indicator representative for the risk of bankruptcy, on a period of 14 years (2002-2015), enough for every society and sector. The sample of 15 enterprises has been formed on basis of information available for this research. After analysis of results, we notice that the best results concerning the risk of bankruptcy are recorded in the commerce sector and on the last place is situated the tourism sector. In an future approach we will continue the research on a larger number of enterprises, and we will analyze the cause that lead to bankruptcy of societies, emphasizing to elaborate a systems which lead to a lower level the risk of bankruptcy.

The management of any economic entity constantly has a predictive character; it cannot limit itself to the solution of current problems but conducts prospections on the future, directing the organization's activity over time and ensuring its preparation for confronting future market phenomena. Achieving these goals requires, among other things, permanent and complex knowledge of the risks to which one is exposed, of the current and future level of the production cost. Risk research has led to a shift from an approach based on the negative dimension of risk to a complex one, where risk is seen as both a threat and an opportunity. Relatively recently, the approach to risk began to include the positive aspect represented by the possibility of generating opportunities through appropriate management and specific strategy. The paper presents two ways of modelling financial risk using theories from specialized literature and which are applied in an extensive manner in other works, especially in those with practical applicability. We considered two probabilistic models, namely the application of probability distributions and sensitivity analysis, which can be used for companies when it comes to risk analysis of investment projects, these being considered random variables. [ABSTRACT FROM AUTHOR]

A consistent direction in which financial risk and bankruptcy analysis models were developed was the inclusion of artificial intelligence algorithms in the methodology, they are being used in most of the cases to achieve some classifications. The artificial intelligence (machine learning) algorithms widely used for the analysis of financial or bankruptcy risks, presented in the paper, are: KNN (K-Nearest Neighbor) algorithm; Support Vector Machine (SVM); Random Forest; Neural networks (ANN - Artificial Neural Networks). Using these algorithms, companies can be classified into different categories, based on some variables, and the final result is to obtain a certain probability of bankruptcy or insolvency for that company. Obviously, there are limitations of the models and problems that can arise from their estimation, among the most well-known being overfitting (the risk of learning the model to perform very well only for the data series being used on). In recent years, ESG (Environmental, Social and Governance) factors have played a very important role. We believe that this is a direction in which the analysis of bankruptcy risk and financial risks could go, by including sustainability aspects in the models. [ABSTRACT FROM AUTHOR]

The paper purpose is to analyze the financial and bankruptcy risk that economic entities carry. We considered it appropriate to select some companies from the oil and gas industry, due to the challenges that this industry has gone through in recent years, from the point of view of technological changes, the volatility of production and the price of oil and gas. All these elements brought a significant risk to the companies in the industry, bringing challenges to their management. Moreover, to all these aspects related to the companies are added the geopolitical tensions that have often affected the medium- and long-term plans of the companies, as well as determine legislative changes. We used an econometric model built on the basis of data series organized in panel form, this being the most straightforward and most efficient way to analyze the risk and profitability of companies in a certain sector, when different companies are considered. We built econometric models to explain which are influencing factors on companies' profitability, and among the most important variables considered were those that measured performance, i.e., return on equity (ROE) and return on assets (ROA). Accordingly, the bankruptcy risk, credit risk and liquidity risk of each company among those taken into analysis was measured. By tracking the impact of these risks, we obtained results on the manner in which they influence financial performance. [ABSTRACT FROM AUTHOR]

Copyright of Industria Textila is the property of Institutul National de Cercetare-Dezvoltare pentru Textile si Pielarie and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Copyright of Transformations in Business & Economics is the property of Vilnius University and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

The paper presents the evolution and causes of ROBOR growth between May 2013 and July 2018, bringing arguments that invalidate some opinions advocated by the pro-bank analysts' choir on the determinants of the ROBOR index growth. Our analysis led us to the conclusion that inflation in July 2017 to date means a small part of ROBOR's increase, and considering bank liquidity as responsible for ROBOR growth is inadequate. The ROBOR value is the effect of a bilateral oligopolistic market, and this value (imposed in the calculation of interest) distorts the credit market. [ABSTRACT FROM AUTHOR]

With reference to Romania, in particular, but also to other member states of the European Union, we can state that, yearly, the process of regional development of these states, is dependent on the public budget they dispose. The regional development implies not only a strategy in perfect tune but also the identification and the provision of some real, accessible financing sources. As concerns the mentioned strategy, one must mention that it is highly important that it is elaborated based on some thorough analyses and on specific fields that have as support realistic data, in order to be angle to establish achievable development goals. As concerns the financing sources that will contribute to the insurance of the sustainability of the strategy of regional development, the practice proved that these must be ensured for an average or long time so as they can be able to reach their objective. The identification and insurance of the financing sources of the strategy of regional development is a highly complex process that represents a priority for every state. In Romania's case, for instance, the main financing sources of the regional development strategy 2014 -2020 are represented by funds allocated from the public budget and from the European funds. Because of this reason, in the present scientific approach I intend to analyse the implications that the public budget has in financing the regional development, taking into account that on level and its availability also depends the absorption of European funds. [ABSTRACT FROM AUTHOR]

The present work has great importance for the economic and financial area due to the fact that targets the relevance of the financial indicators in anticipation of the stock variation. The aim is to measure the correlation, the type and intensity, between the variation of stock market profitability and the profitability of the securities traded by banks in Romania, listed on the BSE. The research is approached transversely (banks in Romania listed on the stock market) as well as longitudinally (from the date of listing on the Stock Exchange of each bank until 31.12.2016). Using the econometric model Eviews we tested the correlation between the profitability of BRD, BT, BCC bank's securities and the profitability of Bucharest Stock Exchange, by BET and BET-C. The results show that the research hypothesis isn't validated for any of those banks. [ABSTRACT FROM AUTHOR]

This paper makes an analysis of bank performance, in terms of Return on Asset and Return on Equity indicators, the analysis that we believe is very useful to investors, in order to make decisions that lead to expected results. For this purpose a sample consists of 18 banks operating in the banking market in Romania is evaluated after their performance and it was achieved a ranking (top 5 top 5 ROA and top 5 ROE) of the best performing banks in the country during international financial crisis years and post-crisis period (2007-2013). The conclusions incite reflection on all those interested in issues of community banking. [ABSTRACT FROM AUTHOR]

In this study is estimated un econometric models, using linear regression, in which we try to measure the effectiveness of funds allocated through the National Plan for Rural Development in agriculture. [ABSTRACT FROM AUTHOR]

The credit risk is one of the most important risks the banks face in their daily work and it has a direct impact on bank performance. In the current context, a bank has available a variety of options to determine capital requirements, to decrease the credit risk. This study aims to analyze the correlation of the main indicators of creditworthiness of firms and the credit risk, that a bank will take giving credit to these firms. [ABSTRACT FROM AUTHOR]

The international financial crisis has revealed malfunctioning of surveillance systems available until 2007-2008, as well as the relationship between banks and governments, which led to the idea of creating a European Banking Union, as a measure to prevent new negative phenomena. The project provides a centralized supervision of European banks, conducted by European Central Bank and the European Banking Authority, and common banking rules into European Union and the establishment of a common fund to guarantee bank deposits. [ABSTRACT FROM AUTHOR]

The objective of our research is to highlight the concept, and especially the practices of the creative accounting or frozen assets and their implications for the company performance. More specifically, the practices and techniques of the creative accounting or frozen assets aim at assessing inherent risks related to the quality of the accounting information concerning company performance. The flexibility in the accounting normalization also takes into account the reality according to which the accounting truth is not an "absolute" truth in reflecting reality but rather a "built" truth. [ABSTRACT FROM AUTHOR]

The paper presents some aspects regarding adoptata strategy to resolve the crisis in Cyprus financial system and the effects of such approaches used the euro area, but especially on the banking sector in the European Union. From our perspective we considered as an important thing to understand what happened in Cyprus, how to intervene in this crisis to be able to appreciate necessary changes (if they are really necessary) in the banking system construction, so that banks can adopt such measures by the resolution of future banking crises in the euro area and improving of banking system situation, in the sense that it have not to be necessary a new intervention into the future. [ABSTRACT FROM AUTHOR]

The necessity of cash flow appears in the context of the limits of the balance sheet and of the profit and loss account in the reflection of the financial and accounting information. Although the profit and loss account provides a dynamical image of the activity of a company, it does no allow for obtaining an image of the financial cash flows that change the financial structure of the company or that change the company's cash. The information related to the cash flows of an entity is useful for the users of the financial statements in the economic decision-making process, because it is a basis for the assessment of the entity's capacity to generate cash and cash equivalents, as well as the usefulness of such cash flows. The company performance analysis based only on indicators calculated with the help of the profit and loss account is often relative and, therefore, it results in the need to determine the entity's capacity to generate cash or cash equivalents. Intermediate management balances are mere intellectual formalizations of potential gains that, in the context of the accrual accounting, create a hypothetical dimension of the company performance. Free cash flows should not be interpreted in a simplistic manner based on their negative or positive value. [ABSTRACT FROM AUTHOR]

The article discusses the global financial crisis and banking system in Romania for 2009. It mentions the evolution of the Romanian financial system which is influenced by the occurrence of the said crisis. It also notes the development of banks in the country under foreign investors and conditions entering the European Union.

This work presents the premises of U.S. real estate crisis starting, which is transforms in a credit crisis with global consequences, and finds its effects, suggesting possible solutions for near future. American banks (ex-Bear Stearns, Citigroup) as well as independent mortgage agencies had and still have heavily to suffer. Taking into account determining role of U.S. in the world economy, we consider that negative effects caused by liquidities crisis will continue to propagate at global level. [ABSTRACT FROM AUTHOR]

Considering the ongoing globalization process Romania simply can not avoid risks coming from the interaction of its own economy with the other ones. More or less, sooner or later, the global credit crunch will affect our country's economy. Our government, through its fiscal policies and BNR, through its monetary policy just simply can not avoid the impact of an international crisis on the Romanian economy. But some of such bad effect could be, at least, diminished by coherent fiscal policies and flexible monetary policies the way that the rest of the economy (not housing related) to remain in quite good shape. [ABSTRACT FROM AUTHOR]

The purpose of this study is to identify the factors influencing e-commerce and to evaluate the long and short-term impacts on the development of e-commerce activity. After establishing the hypotheses to verify, we use multiple panel regressions to test the influence of education level, consumer's residence, consumer's labour market status, internet banking, mobile and non-mobile users on the development of e-commerce. For this matter, in this paper, by adopting the fully modified ordinary least squares (FMOLS) method and a vector error correction model (VECM), we performed an empirical analysis of the nexus between education level, consumer's residence, consumer's labour market status, internet banking and mobile and non-mobile users and e-commerce, based on panel data for EU–27 countries from 2011 to 2020. The results of the study indicate that all the variables involved in the two econometric models and associated with education level, consumer's residence, labour market status, internet banking, mobile and non-mobile users, all have significant impacts on the development of e-commerce. Most of the variables positively influence the development of e-commerce except for internet purchases by individuals un-employed and for internet purchases by non-mobile users that are negatively correlated with e-commerce activity. [ABSTRACT FROM AUTHOR]