The research aims to study the financial behavior of students at the University of Bucharest and the factors that, according to specialized literature, contribute to its formation and positive shaping. Several factors were studied using a quantitative paradigm: family financial socialization, level of financial self-control and exposure to financial education. The overall picture of the financial behavior of the students who participated in the research (students at the University of Bucharest completing a self-administered questionnaire) illustrates relatively healthy financial behavior. This paper describes raw information from the analysis of a compilation study on financial behaviors of college students. The key goal is to determine the view, which impact on financial behavior and the overall quality of life for the students in the survey. Bivariate analyses of the data have uncovered that frequencies of performing positive financial behaviors are associated with many factors such as attitude toward performing the behavior, perceived control, parental influence, peer influence, class standing and so on. Furthermore, engaging in positive financial behaviors is associated with higher levels of financial satisfaction, physical health, mental health, academic performance and satisfaction, and even life satisfaction.

Recent financial crises, heightened geopolitical instability, sustained financial volatility, and broader global uncertainty have increased the exposure of private sector organizations to emerging and interconnected economic risks. In this context, systematic and sustainable approaches to organizational risk management are becoming increasingly important for maintaining organizational resilience and economic security. Given the persistent instability of markets and the prospect of structural economic changes toward 2030, this study examines how key organizational and risk-related factors influence perceived economic security under crisis conditions. The empirical investigation was conducted on a sample of 205 employees from private sector organizations. Exploratory factor analysis (EFA) was used to validate the structure of the constructs, while structural equation modeling (SEM) was applied to test the relationships among the variables and provide a model-driven assessment of the determinants of perceived economic security. The findings show that all factors included in the proposed model have a significant influence on perceived economic security during periods of crisis. The results highlight the importance of systematic risk identification, assessment, monitoring, and management, as well as organizational learning from previous crises, in responding to a changing and uncertain economic environment. Under conditions of continued global uncertainty, volatility, and structural transformation, the development and continuous improvement of organizational risk management systems can strengthen organizational resilience and support economic security over time.