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’s 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’s 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’s 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’s digital banking trajectory and the sector’s long-term viability.

This paper advances the study of the relationship between the attitude towards academic dishonesty and other types of dishonest and even fraudulent behavior, such as tax evasion and piracy. It proposes a model in which the attitudes towards two types of cheating and fraud are systematically analyzed in connection with a complex set of latent construct determinants and control variables. It attempts to predict the tolerance towards tax evasion and social insurance fraud and piracy, using academic cheating as the main predictor. The proposed model surveys 504 student respondents, uses a partial least squares—path modeling analysis, and employs two subsets of latent constructs to account for context and disposition. The relationship between the outcome variable and the subset of predictors that account for context is mediated by yet another latent construct—Preoccupation about Money—that has been shown to strongly influence people’s attitude towards a whole range of social and economic behaviors. The results show academic dishonesty is a statistically significant predictor of an entire range of unethical and fraudulent behavior acceptance, and confirm the role played by both contextual and dispositional variables; moreover, they show that dispositional and contextual variables tend to be segregated according to how they impact the outcome. They also show that money priming does not act as a mediator, in spite of its stand-alone impact on the outcome variables. The most important result, however, is that the effect size of the main predictor is large. The contribution of this paper is two-fold: it advances a line of research previously sidestepped, and it proposes a comprehensive and robust model with a view to establish a hierarchy of significance and effect size in predicting deviance and fraud. Most of all, this research highlights the central role played by academic dishonesty in predicting the acceptance of any type of dishonest behavior, be it in the workplace, at home, or when discharging one’s responsibilities as a citizen. The results presented here give important clues as to where to start intervening in order to discourage the acceptance of deviance and fraud. Educators, university professors, and academic administrators should be at the forefront of targeted campaigns and policies aimed at fighting and reducing academic dishonesty.