• Payment Systems in the Republic of Moldova: Trends, Challenges and Opportunities 

  Ojovan, Romanita (ASEM, 2025-04)

  Sistemul de plăți din Republica Moldova a cunoscut o evoluție semnificativă în ultimii ani, dezvoltându-se prin intermediul Sistemului Automatizat de Plăți Interbancare (SAPI) și Sistemului Depozitarului Central Unic al ...
• Financial Instruments. Perspective and Challenges 

  Ioniță Florea, Adela; Florea, Florentin-Gabriel (SEP ASEM, 2025-04)

  The paper analyzes the diversity of financial instruments available on the market, highlighting both the opportunities and the associated risks. The study focuses on stocks, bonds, ETFs, investment funds, cryptocurrencies, ...
• The Future of Traditional Banks and New Business Models in the FinTech Era 

  Izuric, Mihaela (SEP ASEM, 2025-04)

  In the dynamic landscape of the financial industry, where evolving trends reshape traditional banking, this study examines the impact of technological advancements the rise of FinTech companies. It explores the significance ...
• The Recent Evolutions in the Money Market of the Republic of Moldova 

  Zaiaț, Andreea (SEP ASEM, 2025-04)

  This research looks at recent changes in the money market of Moldova and how they affect the economy, inflation, and access to finance. The main goal is to study the structure, key parts, and trends of the Moldovan money ...
• Alternative Investment Instruments in the Republic of Moldova: Opportunities and Risks 

  Roșior, Sorin (SEP ASEM, 2025-04)

  In the context of global financial market volatility, investors seek alternatives to diversify their portfolios. Alternative investment instruments, such as venture capital, crowdfunding, and P2P lending, are gaining ...
• The Impact of Remittance Volatility on Financial Stability in the Republic of Moldova 

  Macovschi, Maria (SEP ASEM, 2025-04)

  Remittances play a crucial role in maintaining the macroeconomic balance of the Republic of Moldova, constituting a major source of external financing. However, their volatility can impact financial stability. In this ...
• The Digital Transformation of the Banking Sector in the Republic of Moldova: Challenges and Opportunities 

  Golubaș, Ecaterina (SEP ASEM, 2025-04)

  The digital transformation of the banking sector in the Republic of Moldova represents a crucial step toward modernizing financial services and enhancing customer experience. This research examines the level of digitalization ...
• Agricultural Loans in the Banking System in Moldova: Opportunities and Challenges for Sustainable Development 

  Tcaci, Mirela (SEP ASEM, 2025-04)

  The agricultural sector in Moldova is very important and contributes to the economy through the GDP and employment. Considering the country’s natural resources, the agricultural credit is very important for assuring food ...
• Consumer Credit Trends in the Conditions of the Overcoming Crisis in the Republic of Moldova 

  Smolevschi, Vlada (SEP ASEM, 2025-04)

  This article examines the evolving landscape of consumer credit in the Republic of Moldova, particularly within the context of overcoming economic crises, notably the significant banking fraud of 2014. The analysis then ...
• Monetary Policy Actions Related to the Current Position of the Balance of External Payments 

  Smolevschi, Vlada (SEP ASEM, 2025-04)

  This article aims to study the manipulations of the National Bank of Moldova with the monetary policy instruments in order to balance the country's Balance of Foreign Payments. During the research, we studied the main ...
• The Impact of Artificial Intelligence on Banking Activity in the Republic of Moldova 

  Romînu, Doina (SEP ASEM, 2025-04)

  In the context of accelerated technological developments and the digitalization of the financial system, artificial intelligence (AI) has become an essential element in transforming banking operations in the Republic of ...
• The Evolution of Moldova's External Debt and Its Impact on Economic Stability 

  Rebeja, Adriana; Mămăligă, Nicoleta (SEP ASEM, 2025-04)

  The topicality of the subject in the context of the current economy is given by the impact of the economic crises, the energy crisis and economic instability on Moldova's external debt, which is constantly increasing. ...
• Deposit Policy in The National Banking System 

  Pleșca, Anastasia (SEP ASEM, 2025-04)

  This study examines the deposit policy in the context of the National Banking System of Moldova, focusing on the strategies employed by commercial banks to manage liquidity and ensure financial stability. Although the ...
• Research on the Impact of the Change of the Reference Currency (From USD to EUR) on the Economy of the Republic of Moldova 

  Onescu, Marin; Solonari-Rudean, Artur; Ursu, Ionuț (SEP ASEM, 2025-04)

  The European Council, on 23 June 2022, granted the Republic of Moldova candidate status for membership in the EU, which was a major step towards aligning its economic and financial systems with EU standards. One of the key ...
• The Features of Inflation Targeting in the Republic of Moldova 

  Ojovan, Romanița (SEP ASEM, 2025-04)

  Această lucrare analizează regimul de țintire a inflației în Republica Moldova, implementat formal de Banca Națională a Moldovei în 2012, cu o țintă de 5,0% anual (±1,5%). Studiul evidențiază elementele fundamentale ale ...
• Methods of Obtaining Passive Income in the Republic of Moldova 

  Tataru, Alexei; Ganenco, Alexandra (SEP ASEM, 2025-04)

  This study explores passive income methods in the Republic of Moldova, focusing on financial stability and reducing dependency on a single income source. Passive income includes earnings from rental properties, stock ...
• Recent Developments in the Foreign Exchange Market in the Republic of Moldova 

  Ganenco, Alexandra (SEP ASEM, 2025-04)

  The foreign exchange market in the Republic of Moldova plays a crucial role in ensuring economic stability. This paper analyzes recent developments, highlighting factors influencing exchange rate fluctuations and the impact ...
• The Role of Banks in Promoting Financial Sustainability 

  Buhnă, Nadejda; Blanari, Veronica (SEP ASEM, 2025-04)

  In a context characterised by global pressures and a growing awareness of the interdependence between the economy and the environment, financial sustainability has emerged as a key priority on banks’agenda. The financial ...
• Evolution of Budgetary-Fiscal Policy in the Republic of Moldova at the Current Stage 

  Zadnipru, Rodica ; Petroia, Andrei (ASE, 2025)

  In the Republic of Moldova, public finance management (PFM) is subject to continuous reforms. Reforms are necessary to improve PFM, especially given that resource allocation must be in line with the national goals in the ...
• Managing the Risk of Decreasing Financial Stability 

  Suvorova, Iulia (ASE, 2025)

  This article discusses the issues of assessing the risk of reducing the financial stability of an enterprise, analyzes the content of this type of risk, and proposes the stages of its assessment. The results of calculations ...

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