Digitalizarea bancară: fundamentul incluziunii financiare și al creșterii durabile
Banking Digitisation: The Foundation for Financial Inclusion and Sustainable Growth

Summary/Abstract: The paper analyzes the impact of banking digitization on financial inclusion and sustainable economic growth, emphasizing their role beyond mere financial transactions. It explores how digital banking platforms have evolved into essential tools for promoting economic sustainability, aligning with broader objectives of Sustainable Development Goals (SDGs). The research highlights the transformative power of digital banking services in enhancing financial inclusion, reducing transaction costs, and facilitating more efficient resource allocation. By leveraging digital banking services, financial institutions have successfully extended their services to individuals who previously lacked access, thereby contributing to the economic pillar of sustainability by promoting inclusion and reducing inequalities. The research is exploratory, the research instrument was tested. A case study is presented, analyzing responses from 18-year-old students through questionnaires, aiming to assess their perceptions and expectations regarding digital financial services and their impact on financial inclusion and sustainable economic growth. Through data collection and analysis, the research unveils the level of awareness, interest, and trust among young individuals in using digital financial technologies, as well as their perspectives on how digitization can influence access to financial services and economic opportunities. The analysis highlights both the optimism and concerns expressed by the youth, reflecting on the role of financial education in shaping a generation prepared to navigate the digital financial landscape. The study underscores the importance of integrating digital finance concepts into educational curricula, emphasizing the need to empower young individuals with knowledge and tools that enable them to actively and safely participate in the digital economy. This contributes to comprehensive financial inclusion and the promotion of sustainable economic growth. The study further explores banking digitization from a legal perspective, highlighting its impact on financial inclusion and sustainability. Through an analysis of regulations related to data protection and payment services, the paper reveals how new technologies are transforming activities within financial institutions. It also emphasizes how regulations facilitate access to banking services for all social segments and promote sustainable practices.

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