STUDY REGARDING ROMANIAN STUDENTS’ PERCEPTION AND BEHAVIOUR CONCERNING THE FINTECH AREA WITH A FOCUS ON CRYPTOCURRENCIES AND ONLINE PAYMENTS
STUDY REGARDING ROMANIAN STUDENTS’ PERCEPTION AND BEHAVIOUR CONCERNING THE FINTECH AREA WITH A FOCUS ON CRYPTOCURRENCIES AND ONLINE PAYMENTS

Summary/Abstract: Fintech, which is a shorthand expression for financial technology, is basically referring to all the technologicalinnovations in the financial sector that started to develop exponentially, especially in the second decade of the21st century, in the era of the mobile internet revolution. The Generation Z, also called Gen Tech, who wasgrowing up using the internet and especially the mobile internet on a daily basis, will probably be the largeradopter and beneficiary of these innovative financial technologies. The current generation of students, bornabout twenty years ago, is part of this cohort and this is why we decided to initiate a study regarding theirperception and behavior concerning the fintech area with the help of a questionnaire applied on some of thestudents of the Faculty of European Studies from Babeș-Bolyai University. Because the fintech is coveringfinancial innovations from a very broad area (including cryptocurrency, online payments, financial transfers,openbanking, investments, regtech, insurtech, etc.) we decided to focus in this preliminary study, only on theblockchain technology and cryptocurrencies and in relation to these, on the online payments.

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