{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2026,7,1]],"date-time":"2026-07-01T08:05:38Z","timestamp":1782893138258,"version":"3.54.5"},"reference-count":74,"publisher":"MDPI AG","issue":"11","license":[{"start":{"date-parts":[[2023,11,2]],"date-time":"2023-11-02T00:00:00Z","timestamp":1698883200000},"content-version":"vor","delay-in-days":0,"URL":"https:\/\/creativecommons.org\/licenses\/by\/4.0\/"}],"content-domain":{"domain":[],"crossmark-restriction":false},"short-container-title":["Systems"],"abstract":"<jats:p>This research probes into the digital transformation shifts in Romania and sets them against a backdrop of certain EU countries. Its primary objective is to spotlight digitalization\u2019s significance and assess its level of integration within the Romanian banking landscape. Our approach relies on a detailed examination of the adoption of digital banking instruments in Romania through correlation and ANOVA assessments. The ANOVA analysis of the DESI index and its associated dimensions reveals how Romania\u2019s digital transformation stands in relation to other EU member states. Our findings emphasize the numerous advantages Romanian banks have garnered from increasingly embracing digital innovations and artificial technologies. These perks span from optimized operations and efficiency to enhanced customer experiences and a sharpened competitive advantage. The research indicates a strong positive correlation between a bank\u2019s return on assets and its liquid assets to deposits and short-term funding ratios. This suggests that as digital integration deepens, there is a marked upturn in financial robustness. Additionally, the study sheds light on the perks of individuals adopting digital banking offerings and delves into factors that propel and impede the digital evolution in the banking arena. Overall, this paper presents valuable insights into Romania\u2019s digital banking trajectory and the sector\u2019s long-term viability.<\/jats:p>","DOI":"10.3390\/systems11110534","type":"journal-article","created":{"date-parts":[[2023,11,2]],"date-time":"2023-11-02T09:28:13Z","timestamp":1698917293000},"page":"534","update-policy":"https:\/\/doi.org\/10.3390\/mdpi_crossmark_policy","source":"Crossref","is-referenced-by-count":26,"title":["Unraveling Digital Transformation in Banking: Evidence from Romania"],"prefix":"10.3390","volume":"11","author":[{"ORCID":"https:\/\/orcid.org\/0009-0005-7736-8270","authenticated-orcid":false,"given":"Alina Elena","family":"Iona\u0219cu","sequence":"first","affiliation":[{"name":"Department of Finance and Accounting, Faculty of Economic Sciences, Ovidius University of Constanta, 900001 Constanta, Romania"}],"role":[{"vocabulary":"crossref","role":"author"}]},{"given":"Gabriela","family":"Gheorghiu","sequence":"additional","affiliation":[{"name":"Department of Economics, Faculty of Economic Sciences, Ovidius University of Constanta, 900001 Constanta, Romania"}],"role":[{"vocabulary":"crossref","role":"author"}]},{"given":"Elena Cerasela","family":"Sp\u0103tariu","sequence":"additional","affiliation":[{"name":"Department of Economics, Faculty of Economic Sciences, Ovidius University of Constanta, 900001 Constanta, Romania"}],"role":[{"vocabulary":"crossref","role":"author"}]},{"given":"Irena","family":"Munteanu","sequence":"additional","affiliation":[{"name":"Department of Finance and Accounting, Faculty of Economic Sciences, Ovidius University of Constanta, 900001 Constanta, Romania"}],"role":[{"vocabulary":"crossref","role":"author"}]},{"ORCID":"https:\/\/orcid.org\/0000-0003-4212-6974","authenticated-orcid":false,"given":"Adriana","family":"Grigorescu","sequence":"additional","affiliation":[{"name":"Department of Public Management, National School for Political and Administrative Studies, 30A Expozitiei Bdl., 012104 Bucharest, Romania"},{"name":"Academy of Romanian Scientists, Ilfov Street 3, 050094 Bucharest, Romania"}],"role":[{"vocabulary":"crossref","role":"author"}]},{"ORCID":"https:\/\/orcid.org\/0000-0003-1972-8547","authenticated-orcid":false,"given":"Alexandra","family":"D\u0103nil\u0103","sequence":"additional","affiliation":[{"name":"Department of Finance and Accounting, Faculty of Economic Sciences, Ovidius University of Constanta, 900001 Constanta, Romania"}],"role":[{"vocabulary":"crossref","role":"author"}]}],"member":"1968","published-online":{"date-parts":[[2023,11,2]]},"reference":[{"key":"ref_1","doi-asserted-by":"crossref","first-page":"1","DOI":"10.1016\/j.jik.2022.100170","article-title":"Digital-only banking experience: Insights from gen Y and gen Z","volume":"7","author":"Windasari","year":"2022","journal-title":"J. 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