• Behavioral Economics Approaches to Maximizing Tax Compliance in the Republic of Moldova 

  Bulgac, Nicolai (SEP ASEM, 2026)

  This article examines the relevance of behavioral economics for tax compliance policy in the Republic of Moldova. Starting from the critique of the homo economicus model, the paper analyzes the role of heuristics, loss a ...
• Sustainability and Responsibility: A Bibliometric ESG Assessment in European Agriculture 

  Bărbulescu, Mariana-Alexandra (SEP ASEM, 2026)

  Această lucrare examinează integrarea dimensiunilor de mediu, sociale și de guvernanță (ESG) în literatura de specialitate privind sustenabilitatea în agricultura din Uniunea Europeană. Scopul studiului este de a identifica ...
• The Emergence of the Digital Euro and its Role in the Evolution of European Payments 

  Angheluță, Ecaterina (SEP ASEM, 2026)

  Euro digital reprezintă una dintre cele mai semnificative inovații din istoria politicii monetare a Uniunii Europene. În contextul creșterii adoptării globale a monedelor digitale ale băncilor centrale (CBDC), Banca Centrală ...
• The Psychology of Financial Decisions in the Context of Gambling 

  Rudeanu, Liliana; Barbaroș, Iana (SEP ASEM, 2026)

  This article explores the psychological mechanisms that govern financial decision-making under risky conditions. The study starts from the hypothesis that people with low incomes and a low level of financial education tend ...
• Credit Risk in the Banking Sector, Modern Tools and Financial Protection Strategies 

  Guțu, Dumitrița (SEP ASEM, 2026)

  This study analyzes credit risk in the banking sector of the Republic of Moldova, focusing on recent developments and their impact on financial stability. The research highlights the structure of the banking system, the ...
• Transformation of the Banking System: From Traditional Architecture to the Digital Ecosystem 

  Stati, Lăcrămioara (SEP ASEM, 2026)

  The transformation of the baking system from traditional architecture to a digital ecosystem represents a important trend in the development of modern financial services. The accelerated digitalization of the baking sector, ...
• Digitalization of Banking Services (Using the Example of BC «Moldindсonbanс» SA) 

  Сиркели, Диана; Сиркели, Светлана (SEP ASEM, 2026)

  This article examines the process of digitalization in banking services and its impact on the development of the banking sector. It explores theoretical approaches to defining the concept of “digitalization” and analyzes ...
• Officialization of Cryptocurrencies in the Republic of Moldova: Opportunity or Risk for Financial Stability? 

  Romanenco, Nicolai (SEP ASEM, 2026)

  The accelerated evolution of financial technologies and digital assets has generated systemic transformations at the global level, putting states in front of the need to choose between innovation and stability. In the ...
• Empirical Analysis of Government Securities as an Investment Instrument in the Republic of Moldova 

  Miron, Ana-Maria (SEP ASEM, 2026)

  Relevanța valorilor mobiliare de stat ca instrument de investiție este în crește atât pe piața primară, cât și pe piața secundară a Republicii Moldova, datorită evoluției pieței de capital care își extinde influența și ...
• Competitive Advantages of Banks in the Republic of Moldova in the Context of Digitalization 

  Miron, Ana-Maria (SEP ASEM, 2026)

  Odată cu evoluția internetului și tehnologiilor pe plan global, digitalizarea a împins sectorul bancar să țină pas cu celelalte ramuri ale economiei și să îmbunătățească propriile servicii pentru a face experiența clienților ...
• Managing Credit Risk in Commercial Banks: The Implications of ESG Criteria Compliance 

  Martinici, Andreea (SEP ASEM, 2026)

  Gestionarea riscului de credit în băncile comerciale reprezintă o temă de actualitate, având în vedere complexitatea mediului financiar și presiunile exercitate de cerințele de responsabilitate corporativă. Integrarea ...
• Directions and Implementation of a Commercial Bank’s Deposit Policy (the Case of B.C. “Victoriabank” S.A.) 

  Gherasimova, Daria (SEP ASEM, 2026)

  This article examines the directions and implementation of deposit policy in a commercial bank, using B.C. “Victoriabank” S.A. as a case study. The research highlights the role of deposit policy as a key element of bank ...
• Evolution of International Stock Market Indices and the Dynamics of Global Financial Market Volatility 

  Florea, Florentin-Gabriel; Florea, Adela (SEP ASEM, 2026)

  This paper examines the evolution of major international stock market indices and the dynamics of global financial-market volatility across distinct macro-financial regimes. Using monthly time series for representative ...
• The Development of Storage Activites In The Conditions of Current National Economic Context 

  Cebotaru, Diana (SEP ASEM, 2026)

  This paper analyzes the evolution of bank deposit activity in the Republic of Moldova between 2020 and 2025, focusing on the impact of macroeconomic factors and monetary policy. Using data from the National Bank of Moldova, ...
• The Integration of the Republic of Moldova into the SEPA Area – a Factor for Performance Growth and Sustainable Trade Development 

  Caraman, Simona (SEP ASEM, 2026)

  This research about the integration of the Republic of Moldova into the SEPA area examines the impact on performance growth and trade development. Although the Republic of Moldova recently joined the SEPA area, this study ...
• Impact of Inflationary and Pandemic Shocks on Cash Circulation in the Republic of Moldova 

  Bondarenco, Anton (SEP ASEM, 2026)

  This article analyses the impact of inflationary and pandemic shocks on cash circulation in the Republic of Moldova. The main goal of the study is to diagnose the quantitative parameters of cash money supply from 2018 to ...
• The Features of Real Estate Prices Evolution in the Republic of Moldova 

  Babco, Iana (SEP ASEM, 2026)

  Evoluția pieței imobiliare din Republica Moldova în perioada 2020–2025 reflectă schimbări semnificative generate de factori economici, sociali și geopolitici. Această lucrare analizează dinamica prețurilor la apartamente ...
• The International Gold Market in the Context of Current Conditions 

  Andronachi, Mihai (SEP ASEM, 2026)

  Scopul acestei lucrări este de a analiza evoluția pieței internaționale a aurului, a factorii care o influențează, impactul asupra economiei globale și de a prognoza evoluția pentru viitor. Acest subiect este deosebit de ...
• Evaluation and Management of Currency Risk Through Analysis of Time Series and Statistical Methods 

  Gherb, Valeria (SEP ASEM, 2026)

  This study investigates the evaluation and management of currency risk by leveraging time series analysis and advanced statistical methods within the specific context of the Republic of Moldova’s economy. The research ...
• Bank Crediting in the Real Estate Domain 

  Tocarciuc, Chiril (SEP ASEM, 2026)

  This paper examines bank crediting in the real estate domain with emphasis on the Republic of Moldova and a comparative benchmark against worldwide household-debt dynamics. It outlines the main forms of real-estate loans, ...

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