{"id":441,"date":"2026-07-03T13:21:07","date_gmt":"2026-07-03T13:21:07","guid":{"rendered":"https:\/\/www.journals.utgjiu.ro\/JES\/?post_type=articol&#038;p=441"},"modified":"2026-07-03T13:21:07","modified_gmt":"2026-07-03T13:21:07","slug":"one-factor-analysis-of-the-effect-of-financial-literacy-on-the-ability-to-manage-business-risks","status":"publish","type":"articol","link":"https:\/\/www.journals.utgjiu.ro\/JES\/articol\/one-factor-analysis-of-the-effect-of-financial-literacy-on-the-ability-to-manage-business-risks\/","title":{"rendered":"ONE-FACTOR ANALYSIS OF THE EFFECT OF FINANCIAL LITERACY ON THE ABILITY TO MANAGE BUSINESS RISKS"},"content":{"rendered":"<p>This study analyses the role of financial education in Romania in the context of the development and increasingly<br \/>\nwidespread use of artificial intelligence (AI)-based technologies in the financial and accounting sectors. Accelerated<br \/>\ndigital transformations have led to the emergence of tools for financial analysis, risk management and economic<br \/>\ndecision-making, which necessitates the adaptation of professional skills and the strengthening of financial literacy<br \/>\namong entrepreneurs and accounting professionals. The research aims to highlight how the integration of artificial<br \/>\nintelligence technologies influences the financial learning process, the ability to interpret economic information, and the<br \/>\neffectiveness of managerial decisions in the Romanian business environment. The methodology employed is based on a<br \/>\nquantitative approach, utilising methods of literature review. The data collected were analysed using descriptive and<br \/>\ninferential statistical methods to assess the relationship between the level of financial literacy and the extent of use of<br \/>\ndigital tools based on artificial intelligence. The results of the study indicate that the use of artificial intelligence<br \/>\ntechnologies contributes to increasing the efficiency of financial processes, improving the quality of economic decisions,<br \/>\nand developing digital and financial skills. The study highlights the need to integrate financial and digital education into<br \/>\nvocational training programmes, with a view to increasing the competitiveness and adaptability of Romania\u2019s economic<br \/>\nenvironment to the demands of the European and international digital economy.<\/p>\n","protected":false},"featured_media":0,"template":"","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}}},"class_list":["post-441","articol","type-articol","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.journals.utgjiu.ro\/JES\/wp-json\/wp\/v2\/articol\/441","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.journals.utgjiu.ro\/JES\/wp-json\/wp\/v2\/articol"}],"about":[{"href":"https:\/\/www.journals.utgjiu.ro\/JES\/wp-json\/wp\/v2\/types\/articol"}],"wp:attachment":[{"href":"https:\/\/www.journals.utgjiu.ro\/JES\/wp-json\/wp\/v2\/media?parent=441"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}