Documente Academic
Documente Profesional
Documente Cultură
TEZĂ DE DOCTORAT
REZUMAT
CONDUCĂTOR DE DOCTORAT,
Prof. univ. dr. Constanţa POPESCU
DOCTORAND ,
Oana-Mihaela ILIE
TÂRGOVIŞTE
2018
MINISTERUL EDUCAŢIEI NAŢIONALE
UNIVERSITATEA “VALAHIA” DIN TÂRGOVIŞTE
IOSUD - ŞCOALA DOCTORALĂ DE ŞTIINŢE
ECONOMICE ŞI UMANISTE
Domeniul: MANAGEMENT
CONDUCĂTOR DE DOCTORAT,
Prof. univ. dr. Constanţa POPESCU
DOCTORAND ,
Oana-Mihaela ILIE
TÂRGOVIŞTE
2018
Oana-Mihaela ILIE
MULŢUMIRI
Vǎ mulţumesc!
Drd. Oana-Mihaela ILIE
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INTRODUCERE ........................................................................................................................... 6
CAPITOLUL 1. LOCUL, ROLUL, IMPORTANŢA, IMPLICAŢIILE ŞI RISCURILE
UTILIZĂRII NOILOR TEHNOLOGII ALE INFORMAŢIEI ŞI COMUNICAŢIEI
(NTIC) ÎN ACTIVITATEA ORGANIZAŢIEI ...................................................................... 12
1.1. Conceptul de „noi tehnologii ale informaţiei şi comunicaţiei” ................................. 12
1.1.1. Natura NTIC ................................................................................................................ 13
1.1.2. Definiţia NTIC ............................................................................................................. 14
1.1.3. Caracteristicile esenţiale ale elementului de informare şi comunicare .................. 17
1.2. Caracterul strategic atribuit NTIC utilizate în cadrul societăţii informaţionale .. 25
1.2.1. Conceptul de societate informaţională ...................................................................... 26
1.2.2. Contextul întreprinderii .............................................................................................. 28
1.2.3. Contextul managerial.................................................................................................. 29
1.2.4. Contextul cultural- cultura întreprinderii ................................................................. 30
1.2.5. Contextul de mediu...................................................................................................... 31
1.2.6. Modelul conceptual ..................................................................................................... 32
1.3. Impactul NTIC asupra organizaţiei .............................................................................. 34
1.4. Aspecte sociale, economice şi etice ale utilizării NTIC ............................................... 38
1.4.1. Impactul pozitiv social-economic al utilizării NTIC ................................................. 41
1.4.2. Impactul negativ social-economic al utilizării NTIC................................................ 44
1.4.3. Etica NTIC în afaceri .................................................................................................. 49
1.5. Riscuri generate de utilizarea NTIC şi măsuri de securitate a informaţiilor ......... 52
Concluzii ................................................................................................................................... 58
CAPITOLUL 2. TRANSFORMAREA ORGANIZAŢIEI BANCARE ÎN CONTEXTUL
ECONOMIEI DIGITALE ......................................................................................................... 59
2.1. Factorii favorizanţi ai ascensiunii economiei digitale ................................................ 61
2.2. Trăsăturile specifice şi principiile fundamentale ale economiei digitale ................. 62
2.3. NTIC generatoare ale revoluţiei tehnologice ............................................................... 63
2.3.1. Tehnologia “Cloud” ................................................................................................... 64
2.3.2. Big data ........................................................................................................................ 64
2.3.3. Mobile apps (Aplicaţiile mobile) ................................................................................ 65
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Noile tehnologii ale informaţiei şi comunicaţiei, numite mai frecvent NTIC au evoluat
considerabil în ultimii ani. Ele au un impact puternic asupra vieţii cotidiene a indivizilor,
inclusiv asupra obiceiurilor şi comportamentului lor.
Având în vedere că trăim într-o epocă a vitezei, când orice informaţie poate ajunge la
destinatar în doar câteva clipe, ceea ce asigură rapiditate în efectuarea diferitelor activităţi,
progresul ştiinţific s-a dezvoltat foarte intens, fapt ce a determinat trecerea unor acţiuni în
spaţiul virtual, prin intermediul NTIC.
NTIC şi activităţile economice electronice sunt folosite în toate sectoarele economiei,
dar motivele pentru care sunt utilizate şi concentrarea lor pot fi total diferite. Acest lucru
depinde de natura ofertei companiei, de dimensiunea pieţei şi de strategiile de marketing.
Globalizarea a făcut ca noile tehnologii ale informaţiei şi comunicaţiilor să devină un
motor important al vieţii de zi cu zi şi al activităţii economice, având un rol strategic în
dezvoltarea la nivel mondial şi un potenţial enorm atât pentru modernizare, cât şi pentru
creşterea performanţei sistemului de management din cadrul organizaţiilor. Într-adevăr,
conform studiilor Organizaţiei pentru Cooperare şi Dezvoltare Economică (OCDE),
tehnologiile informaţiei şi comunicaţiilor (TIC) ar fi un factor important în creşterea
performanţei organizaţiilor. Astfel, în vederea obţinerii unui avantaj competitiv durabil este
necesară investiţia în domeniul NTIC. Oricare ar fi oportunităţile, dar şi riscurile pentru
întreprinderi, adoptarea NTIC devine inevitabilă, principala provocare fiind modalitatea de a
combina riscurile cu oportunităţile care să conducă la dezvoltarea şi profitabilitatea
companiei.
Tehnologia informaţiei şi comunicaţiei (TIC) a devenit un vector important pentru
creşterea performanţei organizaţiilor, transformând informaţia în materia primă a viitorului
(era digitală). Principalul obiectiv al cercetării este acela de a arăta că aceste noi tehnologii au
un rol cheie în cadrul companiei.
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Obiectivele cercetării
Teza de doctorat, prin tematica abordată, răspunde necesităţii identificate de creştere a
performanţei sistemului de management prin implementarea NTIC în cadrul organizaţiilor
bancare, deoarece conturează o imagine completă a realităţii mediului bancar dâmboviţean
actual, având în vedere că analizează opiniile ambelor părţi implicate în relaţia bancă-clienţi
(angajaţii fiind cei care utilizează constant NTIC, iar clienţii fiind beneficiarii serviciilor puse
la dispoziţie de organizaţiile bancare prin intermediul acestora).
Aşadar, în cadrul cercetării de faţă am formulat două obiective fundamentale şi opt
obiective derivate.
Obiectiv fundamental 1 : determinarea performanţei generate de utilizarea NTIC de către
angajaţii ce aparţin unităţilor bancare din judeţul Damboviţa.
Obiective derivate:
• O1: Identificarea măsurii în care repondenţii (angajaţii) sunt receptivi la nou, şi
implicit, la lucrul cu noile tehnologii.
• O2: Cunoaşterea calităţii NTIC implementate şi a nivelului competenţelor deţinute de
angajaţi privind utilizarea acestora în relaţie cu frecvenţa de organizare a cursurilor
de formare şi dezvoltare a competenţelor NTIC de către unităţe bancare.
• O3: Analiza raportului dintre performanţa sistemului de management din
organizaţiile bancare şi investiţiile în NTIC introduse.
• O4: Identificarea măsurii în care NTIC contribuie la creşterea indicatorilor de
performanţă a activităţii bancare.
Obiectiv fundamental 2 : determinarea satisfacţiei clienţilor în urma implementării NTIC în
unităţile bancare dâmboviţene.
Obiective derivate:
• O1:Cunoaşterea opiniei clienţilor privind programul de lucru pus la dispoziţie de cele
trei unităţi bancare incluse în studiu.
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Ipotezele de cercetare
În funcţie de obiective, am stabilit două seturi de ipoteze. Primul set de ipoteze se
referă la studiul efectuat asupra percepţiei angajaţilor celor trei unităţi bancare dâmboviţene,
iar al doilea se referă la cercetarea privind satisfacţia clienţilor generată de implementarea
NTIC în cadrul acestora.
Ipoteze privind percepţia angajaţilor din unităţile bancare de pe raza judeţului Dâmboviţa
cu privire la performanţa generată de utilizarea NTIC.
• H1: Între receptivitatea la nou şi, implicit, la lucrul cu NTIC şi vârsta, respectiv
vechimea în domeniul bancar a angajaţilor din organizaţiile bancare din judeţul
Dâmboviţa există o asociere negativă.
• H2: Nivelul avansat al competenţelor de utilizare a NTIC este dependent de
vechimea în domeniul bancar, postul ocupat, studiile repondenţilor, dar şi de
frecvenţa de organizare a cursurilor de formare şi dezvoltare a competenţelor de
către instituţia bancară.
• H3: Există o asociere pozitivă între ultima formă de studii absolvită şi percepţia
angajaţilor cu privire la raportul dintre performanţa sistemului de management şi
investiţiile în NTIC.
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Unitatea de sondaj pentru prima parte a cercetării este reprezentată de angajaţii din
cadrul organizaţiilor bancare menţionate anterior, deoarece în calitate de utilizatori ai NTIC,
aceştia îşi pot exprima opinia cu privire la performanţa generată de implementarea NTIC.
Pentru cea de a doua parte a cercetării, unitatea de sondaj este constituită de clienţii
celor trei unităţi bancare din judeţul Dâmboviţa.
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Proiectarea chestionarelor
Numărul de întrebări care alcătuiesc chestionarul adresat angajaţilor din organizaţiile
bancare este de 23, în timp ce chestionarul adresat clienţilor bancari-persoane fizice este
format din 17 întrebări. Ambele chestionare au fost construite de o manieră simplă şi cât mai
clară, pe baza unor întrebări cu răspunsuri prestabilite (nu oferă repondenţilor posibilitatea de
răspuns liber sau multiplu), în partea finală regăsindu-se întrebările care oferă informaţii
despre profilul socio-profesional al repondenţilor (sex, vârstă, vechime, post ocupat, studii,
ocupaţie, mediu de rezidenţă).
Pregătirea chestionarelor s-a realizat în patru faze, după cum urmează:
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STRUCTURA TEZEI
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CONCLUZII ŞI PROPUNERI
Intensificarea utilizării NTIC poate avea un impact dramatic asupra sferei sociale.
NTIC pot fi considerate instrumente care dezumanizează şi care ameninţă calitatea vieţii. Din
altă perspectivă, dezvoltarea NTIC reprezintă o provocare şi o oportunitate importantă.
Se poate aprecia că, prin eforturi de ordin tehnologic, juridic, educaţional, există
posibilitatea elaborării unei strategii politico-sociale, atât pe plan naţional cât şi internaţional,
care să diminueze până la anulare efectele negative care ar putea fi generate. Un aspect
important al managementului modern este sensibilitatea faţă de riscuri, care urmăreşte
implementarea şi utilizarea unor sisteme NTIC fiabile şi performante, elaborând în acest scop
proceduri de prevenire şi diminuare a diferitelor categorii de riscuri, adaptabile la schimbările
care apar în permanenţă.
Implementarea de NTIC în unităţile bancare, în contextul dezvoltării societăţii
digitale, reprezintă o premisă a performanţei, având în vedere că dependenţa de NTIC este o
problemă incontestabilă în prezent, deoarece asistăm la o generalizare privind utilizarea
calculatoarelor în toate activităţile vieţii economice şi sociale. Acesta este motivul pentru care
sistemele informatice de organizare au devenit accesibile la nivel global şi sunt permanent
deschise pentru un schimb rapid de informaţii între categorii de utilizatori aflaţi în zone
geografice diferite.
Ca orice schimbare, transformarea organizaţiei bancare prin implementarea NTIC nu
s-a realizat automat, ci a necesitat timp, dar şi efort. Iniţial, principalele obstacole care au
îngreunat procesul transformării organizaţiei bancare au fost: gradul scăzut al digitalizării
economiei, numărul relativ mic de specialişti NTIC, reticenţa în utilizarea serviciilor online,
generată de lipsa încrederii în aceste servicii şi de mediul online caracterizat prin nesiguranţă.
Calitatea infrastructurii NTIC în cadrul organizaţiilor bancare româneşti s-a
îmbunătăţit considerabil în ultimii ani, din punct de vedere al activităţii electronice
desfăşurate, un factor de influenţă fiind şi creşterea gradului de utilizare a serviciilor online.
Motiv pentru care este esenţial ca organizaţiile bancare din România să exploateze mult mai
bine posibilităţile oferite de social media, comerţul online şi aplicaţiile bazate pe cloud.
Aşadar, inovaţia digitală este un “must” pentru dezvoltarea sectorului bancar actual.
Primul pas spre o bancă digitală este poziţionarea clientului în centrul tuturor
proceselor digitale dezvoltate de aceasta. Băncile româneşti vor trebui ca în acest an să
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crească baza de clienţi pentru serviciile digitale, de internet sau mobile banking, având în
vedere că doar 8% din populaţie foloseşte aceste servicii, în condiţiile în care românii folosesc
intens internetul. Al doilea pas spre o bancă digitală îl reprezintă investiţiile în perfecţionarea
personalului, deoarece angajaţii pot ajuta la promovarea eficientă a produselor digitale. Tot
aceştia pot determina şi sunt responsabili cu educarea clientului.
În prezent, serviciile financiar-bancare sunt destul de informatizate şi funcţionează,
însă volumul mare de date face ca acţionarea pe baza lor să fie destul de rigidă, complicată şi
generează costuri adiţionale de operare şi frustrare, câteodată, din partea clienţilor. Un
exemplu în acest caz este procesul de creditare, care implică multe documente, semnături şi
prezenţa fizică în reţeaua bancară.
Având în vedere estimările potrivit cărora o generaţie întreagă va fi activă aproape
exclusiv digital, organizaţiile bancare ale viitorului vor trebui să fie pregătite deja la acel
moment să ajungă la aceasta generaţie prin singurul canal, şi anume cel digital. Prin urmare,
băncile viitorului sunt cele care vor exploata la maximum tehnologia pentru a satisface
cerinţele clienţilor.
În sprijinul dezvoltării societăţii digitale şi, implicit, a organizaţiei bancare digitale
priorităţile se referă la:
Dezvoltarea internetului viitorului şi consolidarea securităţii calculatoarelor:
problemele şi practicile tehnologice în contextul web sunt numeroase şi, de asemenea,
fac necesară securitatea IT.
Regândirea hardware-software: Dezvoltarea nanoştiinţei şi miniaturizarea, care permit
integrarea inteligenţei artificiale în diverse sectoare (industria telecomunicaţiilor etc.),
în timp ce cererea pentru sisteme integrate este în creştere.
Dezvoltarea industriei de software, inclusiv dezvoltarea culturii digitale în rândul
factorilor de decizie şi a antreprenorilor şi promovarea coordonării cercetării prin
intermediul organismelor naţionale consolidate pentru cercetarea ştiinţifică.
Aşadar, utilizarea NTIC este un avantaj esenţial în organizaţia bancară, atât din
perspectiva angajaţilor care îşi desfăşoară activitatea utilizând tehnologia, cât şi din
perspectiva clienţilor, utilizatori ai echipamentelor şi platformelor puse la dispoziţie de
instituţiile bancare în sopul eficientizării proceselor.
Sintetizând rezultatele demersului ştiinţific privind performanţa generată de utilizarea
NTIC de către angajaţii unităţilor bancare din judeţul Dâmboviţa, se poate concluziona că
implementarea NTIC în aceste instituţii are un potenţial semnificativ în creşterea performanţei
sistemului de management. În ceea ce priveşte procesul de validare a ipotezelor stabilite
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iniţial, se remarcă faptul că primele 3 ipoteze formulate au fost validate, iar cea de a patra nu a
fost validată (figura 1).
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angajatului este dublată prin întocmirea aceloraşi documente atât în format fizic, cât
şi electronic, ceea ce contribuie la reducerea receptivităţii acestuia la lucrul cu noile
tehnologii;
În ceea ce priveşte calitatea NTIC existente în unităţile bancare incluse în studiu, se
poate spune că aceasta ar mai putea fi îmbunătăţită atât prin înlocuirea unor produse
hardware, cât şi prin actualizarea celor software;
Referitor la nivelul competenţelor de utilizare a NTIC implementate în banca în
care angajaţii îşi desfăşoară activitatea, o propunere ar fi organizarea de cursuri de
formare, dezvoltare şi perfecţionare a competenţelor de utilizare a NTIC, de către
instituţia bancară, de fiecare dată când sunt introduse noi tehnologii;
Având în vedere potenţialul tehnologiei în procesul de comunicare, acesta ar putea
fi valorificat la maximum, atât intern, cât şi extern (de exemplu, produsele software
precum Customer Relationship Management ajută ca mesajul potrivit şi ajungă la
segmentul de clienţi interesaţi, în vederea fidelizării acestora);
Progresul tehnologic permanent face ca actualele sisteme informatice existente în
unităţile bancare să se uzeze moral destul de rapid, din acest motiv este important
ca băncile să ţină pasul cu NTIC apărute şi să îşi pregătească angajaţii să lucreze
cu ele;
Cel mai recent aspect apărut este legat de asigurarea securităţii datelor cu caracter
personal. O propunere în acest sens este maximizarea securităţii datelor şi a bazei
de date despre clienţi, printr-o acţiune proactivă menită să protejeze informaţiile
confidenţiale de atacuri informatice. Acest lucru se poate realiza atât prin
securizarea accesului pe platforma online a băncii, utilizarea unui software de
protecţie, cât şi prin educarea utilizatorilor privind utilizarea informaţiei şi politica
de securitate.
Rezultatele demersului ştiinţific privind satisfacţia clienţilor determinată de
implementarea NTIC în unităţile bancare din judeţul Dâmboviţa reflectă faptul că mai mult de
jumătate dintre clienţii acestora (persoane fizice) sunt mulţumiţi de serviciile puse la
dispoziţie de bancă prin intermediul tehnologiei, indicând flexibilitatea ca principal motiv
pentru care aleg să le utilizeze . În ceea ce priveşte procesul de validare a ipotezelor stabilite
iniţial, se remarcă faptul că primele 4 ipoteze formulate au fost validate, iar cea de a cincia a
fost invalidată (figura 2).
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CONTRIBUŢII PERSONALE
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aims/communications/1240-etude-du-caractere-strategique-des-tic-dans-les-entreprises-
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attitude and behaviour, Journal of Services Marketing, Vol. 24 No. 1, 2010.
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29
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30
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62. Jarke, M., Applied Big-Data-Research, Business & Information Systems Engineering,
vol. 56, nr. 5, 2014.
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aims.com/events/conferences/4-xxeme-conference-de-l-aims/communications/1240-
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77. Popescu, C., Iacob, S. E., Ilie, O.-M., The Strategic Character Attributed to NICT (Used)
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104.Economist Intelligence Unit, Retail banks and big data: Big data as the key to better risk
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34
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35
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CURRICULUM VITAE
Europass
Informaţii personale
Nume / Prenume ILIE OANA-MIHAELA
Adresă Târgovişte, Dâmboviţa, România
Telefon 0729365465
E-mail ym_oana@yahoo.co.uk
Data naşterii 28 .01.1991
Experienţa profesională
Educaţie şi formare
Perioada octombrie 2015- prezent
Calificarea / diploma Doctorand
obţinută
Disciplinele principale Domeniul fundamental Ştiinţe economice
studiate / competenţe Domeniul de doctorat Management
profesionale dobândite Titlul tezei de doctorat „Creşterea performanţei sistemului de management din
organizaţiile bancare prin implementarea noilor tehnologii ale informaţiei şi
comunicaţiei (NTIC)”
Numele şi tipul instituţiei IOSUD- Şcoala Doctorală de Ştiinţe Economice şi Umaniste
de învăţământ / furnizorului Universitatea „Valahia” din Târgovişte
de formare
36
Oana-Mihaela ILIE
37
Oana-Mihaela ILIE
Perioada 2010
Calificarea / diploma Certificat ECDL
obţinută
Disciplinele principale Aptitudini de bază de operare pe calculator / Administrarea fişierelor / Word /
studiate / competenţe Excel/ PowerPoint / Access / Internet şi Poşta Electronică
profesionale dobândite
Numele şi tipul instituţiei C.N. “Constantin Carabella”, Târgovişte
de învăţământ / furnizorului
de formare
Competenţe şi aptitudini de O bună cunoaştere a instrumentelor Microsoft Office™ ( Word, PowerPoint, Excel,
utilizare a calculatorului Acces) – ECDL şi a programului de contabilitate SAGA pentru societati
comerciale.
Competenţe şi aptitudini Muzică, dans.
artistice
Alte competenţe
Membru: Centrul de Cercetări şi Studii în Management şi Marketing al Universităţii „Valahia”
din Târgovişte, Facultatea de Ştiinţe Economice
Informaţii suplimentare Publicaţii şi activităţi de cercetare: participarea la 19 comunicări ştiinţifice; 20 de
articole publicate în reviste de specialitate şi volumele manifestărilor ştiinţifice.
38
Oana-Mihaela ILIE
Proceedings ISI
2018
1. Popescu Constanţa, Ilie Oana-Mihaela, Bondac Georgiana Tatiana, The "Techno-
stress" Phenomenon and Its Consequences in the Modern Organization,
Proceedings Volume of 9th LUMEN International Scientific Conference
Communicative Action & Transdisciplinarity in the Ethical Society, CATES 2017 24-
25 November 2017 Targoviste Romania, pp. 224-238,
http://proceedings.lumenpublishing.com/ojs/index.php/lumenproceedings/article/view/
23
2017
2. Ilie Oana-Mihaela, Popescu Constanţa, Iacob Silvia Elena, Transforming the
Banking Organization in the Context of Digital Economy, LUMEN Proceedings,
Proceedings Volume: Risk in Contemporary Economy, Volume 1, Issue 1, ISBN: 978-
973-166-496-5 | e-ISBN: 978-973-166-483-5, October 2017, Iaşi, pp. 284-292,
http://lumenpublishing.com/proceedings/wp-
content/uploads/2017/11/RCE_2017_284-292.pdf
Reviste BDI
2018
3. Ilie Oana Mihaela, Mocanu Adrian, Provocări privind comunicarea eficientă în
organizaţiile moderne prin intermediul noilor tehnologii de informare şi
comunicare (NTIC), Procedia of International Multidisciplinary Conference ICM
2018 „Innovation, Creativity and Management in the 21 st century. Perspectives in
Education”, Academia Publishing AEEPEC, ISBN 978-1-9998738-7-5, Turcia, pp.
218-224.
39
Oana-Mihaela ILIE
2017
9. Ilie Oana-Mihaela, Iacob Silvia Elena, Remarks on the Latest Evolution of New
Information and Communications Technologies Generating the Technological
Revolution, Revista Economia Contemporana, Vol. 1, Nr. 1/2017, ISSN 2537 – 4222,
ISSN-L 2537 – 4222, Piteşti, pp.150-156,
http://www.revec.ro/images/images_site/articole/article_b55dd26a52408c1935b62d0b
99aeeb2b.pdf
10. Ilie Oana-Mihaela, Popescu Constanţa, Redefining the successful organization of the
future, Valahian Journal of Economic Studies, ISSN-L 2067-9440 / ISSN 2344-4924,
(acceptat spre publicare).
11. Ilie Oana-Mihaela, La contribution de NTIC à l'augmentation de la performance des
organisations bancaires, Revue Valaque d’Etudes Economiques (RVEE), Volume
8(22), NO. 2/2017, ISSN 2067 – 9459, Târgovişte, pp. 23-30,
http://www.rvee.eu/images/2017/no2/7.rvee%20vol.8%2022%20no_2_ilie.pdf
40
Oana-Mihaela ILIE
2016
12. Drăgoi Elena Violeta, Ilie Oana-Mihaela, NBR's Monetary Policy and its Implication
on Economic Growth, Revista Strategii Manageriale (Management Strategies), Anul
IX, nr. IV (33)/2016, Editura Independenţa Economică, ISSN 2392 – 8123, ISSN–L
1844 – 668X, Piteşti, pp. 115-124,
http://www.strategiimanageriale.ro/images/images_site/categorii_articole/pdf_categori
e_e34871c41b8ec8ee572c8b0bbc8ce319.pdf
13. Popescu Constanţa, Iacob Silvia Elena, Ilie Oana-Mihaela, The Strategic Character
Attributed to NICT (Used) in the Framework of the Information Society, Revista
Strategii Manageriale (Management Strategies), Anul IX, nr. IV (33)/2016, Editura
Independenţa Economică, ISSN 2392 – 8123, ISSN–L 1844 – 668X, Piteşti, pp. 150-
157,
http://www.strategiimanageriale.ro/images/images_site/categorii_articole/pdf_categori
e_e34871c41b8ec8ee572c8b0bbc8ce319.pdf
14. Popescu Constanţa, Ilie Oana-Mihaela, The Economic, Social and Ethical Aspects of
using NICT in Organizations, Valahian Journal of Economic Studies, Volume 7,
Issue 3/2016, ISSN-L 2067-9440 / ISSN 2344-4924, pp. 83-91,
http://www.vjes.eu/images/2016/issue3/14.vjes%20vol.%207%2021%20issue%203%
202016%20popescu.pdf
15. Drăgoi Elena Violeta, Ilie Oana-Mihaela, Remarks on Interest Rate Risk
Management, Annals of “Dunarea de Jos” University of Galati Fascicle I. Economics
and Applied Informatics, Years XXII, No. 3, 2016, ISSN-L 1584-0409/ ISSN-Online
2344-441X, pp. 71-76, https://ideas.repec.org/a/ddj/fseeai/y2016i3p71-76.html
16. Iacob Silvia Elena, Ilie Oana-Mihaela, Using NICT in the Teaching Activity:
Benefits, Challenges and Future Perspectives, Quality-Access to Success, Vol. 17,
S2, mai 2016, ISSN 1582-2559, pp. 35-40,
http://search.proquest.com/openview/de0acd00453c05a532709984231208a1/1?pq-
origsite=gscholar&cbl=1046413
17. Ilie Oana-Mihaela, Hrestic Maria-Luiza, Mocanu Adrian, Riscuri generate de
utilizarea NTIC şi măsuri de securitate a informaţiilor, Conference Proceedings
Diversity in Knowledge Society (Education, Education Leadership, Interdisciplinary
Studies, Language, Literature), Collezione: Colana Generazioni e diritti, Rediviva
Edizioni (Presso la Biblioteca Romena), ISBN 978-88-97908-29-6, Milano, Italia,
2016, pp. 126-131
18. Ilie Oana-Mihaela, Iacob Silvia Elena, Digitalization of the Economy in Romania,
Revista Strategii Manageriale (Management Strategies), Revista nr. 1 (35) /2017,
Editura Independenţa Economică, ISSN 2392 – 8123, ISSN–L 1844 – 668X, Piteşti,
pp.814-821,
http://www.strategiimanageriale.ro/images/images_site/categorii_articole/pdf_categori
e_7cc1cc724584196d6488870de82cf102.pdf
2015
19. Popescu Constanţa, Iacob Silvia Elena, Ilie Oana-Mihaela, NICT – A Means of
Increasing Organizational Performance, Valahian Journal of Economic Studies,
Volume 6, Issue 4/2015, ISSN-L 2067-9440 / ISSN 2344-4924, pp. 19-29,
http://www.vjes.eu/images/2015/issue4/%205.vjes%20vol.%206%2020%20issue%20
4%202015_popescu.pdf ,
https://web.b.ebscohost.com/abstract?direct=true&profile=ehost&scope=site&authtyp
e=crawler&jrnl=20679440&AN=118276727&h=OIIW1Ax5%2bnjWIAfS2GH%2bG
GhS%2fpaPrwfDJ5BHTcNwAuYLEHwQywgESt2NONfjzhT8ExQaUoP%2b07zoHs
41
Oana-Mihaela ILIE
qLPHCz6w%3d%3d&crl=f&resultNs=AdminWebAuth&resultLocal=ErrCrlNotAuth
&crlhashurl=login.aspx%3fdirect%3dtrue%26profile%3dehost%26scope%3dsite%26
authtype%3dcrawler%26jrnl%3d20679440%26AN%3d118276727
20. Drăgoi Elena Violeta, Coman Mihaela Denisa, Ilie Oana-Mihaela, Target - New
Payment System for the Euro Area, Analele Universităţii "Constantin Brâncuşi" din
Târgu-Jiu, Nr. 2/2015, Editura Academica Brâncuşi, ISSN 2344 – 3685/ ISSN-L 1844
– 7007, pp. 102-107, http://www.utgjiu.ro/revista/ec/pdf/2015-
02/15_Dragoi%20Coman%20Ilie.pdf
Autor unic
2017
1. Ilie Oana-Mihaela, The Role of NICT and Digitization in Creating the Digital Single
Market, Universitatea Petrol-Gaze din Ploieşti, Simpozionul Ştiinţific Interdisciplinar
Educaţie şi dezvoltare sustenabilă în UE 28, 9-11 mai 2017
2. Ilie Oana-Mihaela, Aportul NTIC la creşterea performanţei organizaţiilor bancare,
Universitatea “Valahia” din Târgovişte, Simpozionului Cercetărilor Doctorale, 29-30
septembrie 2017
Coautor
2018
3. Popescu Constanţa, Ilie Oana-Mihaela, Bondac Georgiana Tatiana, Techno-stress,
the generator of conflict professional life - private life, International Conference
,,GLOBALIZATION, INNOVATION AND DEVELOPMENT. TRENDS AND
PROSPECTS,, (G.I.D.T.P.), 16-17 mai 2018, Alexandria.
4. Ilie Oana Mihaela, Mocanu Adrian, Provocări privind comunicarea eficientă în
organizaţiile moderne prin intermediul noilor tehnologii de informare şi
comunicare (NTIC), Conferinţa Multidisciplinară Internaţională ICM 2018
«INOVAŢIE, CREATIVITATE ŞI MANAGEMENT ÎN SEC. XXI», Ediţia I, 30
martie - 3 aprilie 2018, Istanbul (Turcia), Organizatori: A.G.C.D.R. «Dăscălimea
Română», Inspectoratul Şcolar Judeţean Ialomiţa, Centrul de Cercetări şi Resurse
Educaţionale AEPEEC.
5. Popescu Constanţa, Ilie Oana-Mihaela, Bondac Georgiana Tatiana, The "Techno-
Stress" Phenomenon - Measures to Prevent It In Modern Organisation,
International Scientific Conference Accounting and Finance – The Global Languages
in Business - 3nd Edition, Universitatea Constantin Brâncoveanu, Piteşti, 23 Martie
2018
6. Ilie Oana-Mihaela, Iacob Silvia Elena, The Impact of Digital Technology on the
Banking Organization, International Scientific Conference Accounting and Finance –
The Global Languages in Business - 3nd Edition, Universitatea Constantin
Brâncoveanu, Piteşti, 23 Martie 2018
42
Oana-Mihaela ILIE
2017
7. Popescu Constanţa, Ilie Oana-Mihaela, Bondac Georgiana Tatiana, The "Techno-
stress" Phenomenon and Its Consequences in the Modern Organization, 9th
LUMEN International Scientific Conference Communicative Action
&Transdisciplinarity in the Ethical Society CATES 2017, 24-25 November 2017
Targoviste, Romania
8. Popescu Constanţa, Ilie Oana-Mihaela, Bondac Georgiana Tatiana, The Impact of
Technostress on Employees in a Digital Society, INTERNATIONAL
CONFERENCE Knowledge Economy Challenges of the 21st Century – Future of
Europe - Different Scenarios, Universitatea Constantin Brâncoveanu, Piteşti, 24
November 2017
9. Ilie Oana-Mihaela, Iacob Silvia Elena, The Role of NICT in the Implementation of
the Strategy of Creating the Digital Single Market, INTERNATIONAL
CONFERENCE Knowledge Economy Challenges of the 21st Century – Future of
Europe - Different Scenarios, Universitatea Constantin Brâncoveanu, Piteşti, 24
November 2017
10. Popescu Constanţa, Ilie Oana-Mihaela, Bondac Georgiana Tatiana, Dependence on
the Use of NTIC - A Stress Factor in the Digital Society, International Conference
“European Economy and Digital Society in the Current Geopolitical Context” (EEDS
2017) - www.eeds.ro, Economic Sciences Faculty from the Petroleum-Gas University
of Ploieşti, 16 November 2017
11. Ilie Oana-Mihaela, Popescu Constanţa, Redefining the successful organization of the
future, INTERNATIONAL CONFERENCE “Contemporary Challenges for the Society
in the Context of the Recent Economic and Social Changes” -2nd Edition-,
Universitatea Valahia din Târgovişte, 23-24 iunie 2017
12. Ilie Oana-Mihaela, Popescu Constanţa, Iacob Silvia Elena, Transforming the
Banking Organization in the Context of Digital Economy, Conferinţa internaţională
„Riscul în Economia Contemporană”, organizată de Facultatea de Economie şi
Administrarea Afacerilor din cadrul Universităţii “Dunărea de Jos” din Galaţi sub
egida Asociaţiei Facultăţilor de Economie din România (AFER), Societăţii Academice
de Management din România (SAMRO) şi European Foundation of Management
Development (EFMD) în perioada 9 – 10 iunie 2017
13. Popescu Constanţa, Ilie Oana-Mihaela, Bondac Georgiana Tatiana, Impactul
technostress în cadrul organizaţiilor moderne, International Conference
,,GLOBALIZATION, INNOVATION AND DEVELOPMENT.TRENDS AND
PROSPECTS,, (G.I.D.T.P.), MAY 11-13, 2017, Alexandria, România
14. Ilie Oana-Mihaela, Iacob Silvia Elena, Remarks on the Latest Evolution of New
Information and Communications Technologies Generating the Technological
Revolution, International Scientific Conference “Accounting and Finance – The
Global Languages in Business”, 2nd Edition, 17 March 2017, Piteşti
2016
15. Ilie Oana-Mihaela, Iacob Silvia Elena, Digitalization of the Economy in Romania,
Universitatea Constantin Brâncoveanu, Conferinţa internaţională Knowledge
Economy - Challenges of the 21st Century. Europe under pressure - the social and
economic crisis, 17-18 noiembrie 2016
16. Drăgoi Elena Violeta, Ilie Oana-Mihaela, Remarks on Interest Rate Risk
Management, Conferinţa Internaţională "Riscul în Economia Contemporană",
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2015
20. Popescu Constanţa, Iacob Silvia Elena, Ilie Oana-Mihaela, NICT – A Means of
Increasing Organizational Performance, Conferinţa Internaţională “Contemporary
Challenges for the Society in the Context of the Recent Economic and Social
Changes” , Târgovişte, 27-28 noiembrie 2015
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DOCTORAL ADVISOR,
Prof. univ. dr. Constanţa POPESCU
PhD CANDIDATE,
Oana-Mihaela ILIE
TÂRGOVIŞTE
2018
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INTRODUCTION ......................................................................................................................... 6
CHAPTER 1. THE PLACE, ROLE, IMPORTANCE, IMPLICATIONS AND RISKS
OF USING THE NEW INFORMATION AND COMMUNICATION
TECHNOLOGIES (NICT) IN THE ACTIVITY OF THE ORGANIZATION ............... 12
1.1. The concept of "new information and communication technologies" .................... 12
1.1.1. The Nature of NICT..................................................................................................... 13
1.1.2. The Definition of NICT ............................................................................................... 14
1.1.3. The Essential Features of the Information and Communication Element.............. 17
1.2. The Strategic Nature Attributed to NICT Used in the Information Society .......... 25
1.2.1. The Concept of Information Society........................................................................... 26
1.2.2. Business Context ........................................................................................................ 28
1.2.3. Managerial Context .................................................................................................... 29
1.2.4. The Cultural Context - the Culture of the Enterprise ............................................... 30
1.2.5. Environmental Context ............................................................................................... 31
1.2.6. The Conceptual Model ................................................................................................ 32
1.3. The Impact of NICT on the Organization.................................................................... 34
1.4. Social, Economic and Ethical Aspects of the Use of NICT ........................................ 38
1.4.1. Positive Socio-Economic Impact of NICT Use.......................................................... 41
1.4.2. Negative Socio-Economic Impact of NICT Use ........................................................ 44
1.4.3. NICT Ethics in Business ............................................................................................. 49
1.5. Risks Arising from the Use of NICT and Information Security Measures ............ 52
Conclusions ............................................................................................................................... 58
CHAPTER 2. TRANSFORMATION OF THE BANKING ORGANIZATION IN THE
CONTEXT OF DIGITAL ECONOMY .................................................................................. 59
2.1. Favorable Factors of the Rise of the Digital Economy ............................................... 61
2.2. Specific Features and Fundamental Principles of the Digital Economy ................. 62
2.3. NICT Generating Technological Revolution ............................................................... 63
2.3.1. “Cloud” Technology................................................................................................... 64
2.3.2. Big Data ....................................................................................................................... 64
2.3.3. Mobile Apps ................................................................................................................. 65
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At this time, businesses operating in Romania are looking for ideas on the theoretical
analysis and theoretical developments of modern management, innovation being seen as a
necessity that leads to achievement and efficiency. According to Michael E. Porter,
"innovation is winning", being the basis for gaining competitive advantage.
The development of information and communication technology has imposed on
businesses operating in Romania a different pace of work and reaction. According to Peter
Drucker, behind these changes, there is computer science, computers that communicate faster
and better, there are also users who transform data into information and then into new
knowledge.
Given that the economy is based on knowledge, access to data and resources has
become imperative, facilitating the training of the skills and abilities of the staff employed.
The key to success lies in the ability of a manager / leader to set up intelligent organizations
(Business Intelligence) in which the human factor plays a central role.
The various ICT applications support the new culture of information exchange,
"information" culture, communication and coordination of activities.
However, the impact of the emergence of ICT also extends to the management of
business power, due to decentralization of authority and generalized transversality (fluidity,
transparency, autonomy and accountability).
NICT allows, indeed, improved access to information of all kinds for all company
personnel and facilitates the exchange of this information for greater organizational
performance. So, due to the technological possibilities offered by NICT, it is important to
organize all the knowledge available in the company and to transform it into knowledge-
based know-how. Business information management, such as collecting, exchanging, storing,
etc., has become a major dimension of the company's business and a true test of its
performance.
Currently, information and communication technology (ICT) is of fundamental
importance to society and should therefore be considered as a strategic factor (sector) that
contributes greatly to economic and social development.
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• H1: The use of Internet banking / Mobile banking offered by the bank through NICT
is dependent on respondents' age, occupation, and environment of residence.
• H2: There is a positive association between the use of Internet banking / Mobile
banking (item 10) and the adaptation of the bank's work schedule to customer
requirements (item 1).
• H3: There is a negative association between customer perception of financial
operations through self-service equipment and the use of Internet banking / Mobile
banking services.
• H4: As the primary reason for using Internet banking / Mobile banking, flexibility is
positively associated with the occupation and the sex of respondents.
• H5: There is a strong link between the respondents' age and the main reason why
some of them do not use Internet banking / Mobile banking.
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Questionnaires Elaboration
The number of questions that make up the questionnaire addressed to the employees of
the banking organizations is 23, while the questionnaire addressed to the bank -individuals
clients consists of 17 questions. Both questionnaires were constructed in a simple and clear
manner, based on predefined answers (they do not give the respondents the possibility of a
free or multiple answer), the final part of which contains questions that provide information
on the socio-professional profile of the respondents (sex, age, seniority, occupation, studies,
residence environment).
Questionnaires were prepared in four phases as follows:
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The first three chapters approach the theoretical essentials and details of new
information and communication technologies and their impact on the management system of
banking organizations, the fourth chapter is devoted to empirical research on the two
directions (determination of the performance generated by the use of NICT by employees
belonging to the banking units in Dambovita County and determination of customer
satisfaction following the implementation of NICT in Dambovita bank units) and the last
chapter presents the scientific research carried out on the basis of the case study.
Chapter 1. „ The Place, Role, Importance, Implications and Risks of Using the New
Information and Communication Technologies (NICT) in the Activity of the Organization”
is an approach based on the study of the literature on technological developments and the
development of the new economy, from the transition from a material economy to a virtual
economy, namely the transition from the production economy to the information and
knowledge economy.
The concept of "new information and communication technologies" is analyzed in
light of the novelty of technical and scientific progress in the field of information economy.
In fact, four groups of variables have been identified, highlighting the strategic
character attributed to NICT used in the information society, namely: the context of the
enterprise, the managerial context, the cultural context and the environment context.
After analyzing the impact of NICT use in organizations (socially, economically and
ethically), there was also a presentation of the risks generated by the use of NICT and
information security measures.
Thus, the theoretical aspects indicate that enterprise management assigns NICT the
status of vector of change, being one of the informational society vectors..
Chapter 2. „Transformation of the Banking Organization in the Context of Digital
Economy” analyzes the transformations generated by NICT implementation within banking
organizations (materialized in digitization). After identifying factors favoring the digital
economy's upsurge, specific features and fundamental principles of the digital economy, the
study's perspective focused on the evolution of NICT that generate the technological
revolution (cloud technology, big data, mobile applications, geolocation, Internet of Things,
etc.).
Two other aspects that benefited from a detailed analysis were the digitization of the
Romanian economy (from the point of view of the five strategic directions of the digital
single market - connectivity, human capital, internet use, digital technologies integration,
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digital competences) and the transformation of the banking organization in the context of the
digital economy, as a result of the rethinking of business models, processes and labor.
Chapter 3. „The Performance of the Management System in the Romanian
Banking Organizations in the Context of Digitalization” includes an approach to the
performance of the management system in the context of NICT implementation in banking
organizations, also reflected in the profitability indicators of the Romanian banking system.
A preliminary conclusion of the theoretical research is that in the last decade the
technology has completely transformed the banking sector and will continue its remodeling
over the next decade by investing in replacement of basic banking systems and technological
transformation as essential investments in order to increase efficiency, productivity and speed
and process accuracy. However, to ensure real change, this investment must be strategic
rather than tactical.
Chapter 4. „Study on the Performance of the Use of the New Information and
Communication Technologies (NICT) in the Banking Organizations of Dâmboviţa
County” is dedicated to empirical research, made by combining the two qualitative and
quantitative research types. The instrument used in the research was the questionnaire, applied
to 122 employees of three banking units in Dâmboviţa County and 397 of their clients.
Starting from the question "Implementation/ introduction and use of NICT in
Dambovita County banking organizations contribute to increase the performance of the
management system?" the research stages were: the establishment of the fundamental and
derived objectives, the elaboration and testing of the research hypotheses, the description of
the observation unit the research unit (preparation and submission of questionnaires to both
employees and clients of banking organizations), the collection, analysis and interpretation of
data. The processing of the data gathered by applying the questionnaires was done using the
IBM SPSS software package, designed to perform advanced statistical analyzes.
Synthesizing the results of the scientific approach regarding the performance
generated by the use of NICT by the employees of the banking units in Dâmboviţa County, it
can be concluded that the implementation of NICT in these institutions has a significant
potential to increase the performance of the management system.
The results of the scientific research on customer satisfaction determined by the NICT
simplementation in the banking units in Dâmboviţa County reflect that more than half of their
clients (individuals) are satisfied with the services provided by the bank through technology,
indicating flexibility as the main reason why they choose to use them.
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Increasing the use of NICT can have a dramatic impact on the social sphere. NICT can
be considered tools that dehumanize and threaten the quality of life. From another
perspective, the development of NICT is an important challenge and opportunity.
It can be appreciated that, through technological, legal, educational efforts, there is the
possibility of elaborating a political and social strategy, both nationally and internationally, to
diminish the negative effects that could be generated until the cancellation. An important
aspect of modern management is risk-sensitivity, which aims at the implementation and use of
reliable and efficient NICT systems, and for this purpose develops procedures for the
prevention and mitigation of various risk categories, adaptable to changes that occur
continuously.
The implementation of NICT in banking units in the context of digital society
development is a prerequisite for performance, given that NICT dependence is an undeniable
issue today because we are seeing a generalization about using computers in all economic and
social activities. This is why organizational IT systems have become globally accessible and
are open for rapid information exchange between categories of users in different geographic
areas.
As any change, the transformation of the banking organization through the NICT
implementation was not done automatically, but it took time and effort. Initially, the main
obstacles that hampered the transformation process of the banking organization were: the low
degree of digitization of the economy, the relatively small number of NICT specialists, the
reluctance to use online services, generated by the lack of confidence in these services and the
online environment characterized by uncertainty.
The quality of NICT infrastructure in Romanian banking organizations has improved
considerably in recent years, from the point of view of the electronic activity carried out, a
factor influencing the increasing use of online services. This is why it is critical for Romanian
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banking organizations to better exploit the opportunities offered by social media, online
trading, and cloud-based applications.
So digital innovation is a "must" for the development of the current banking sector.
The first step towards a digital bank is the positioning of the customer at the center of
all the digital processes developed by the client. Romanian banks will need to increase this
year's customer base for digital, internet or mobile banking services, considering that only 8%
of the population uses these services, as Romanians use the internet intensively. The second
step towards a digital bank is investment in staff upgrading, as employees can help promote
digital products efficiently. They can also determine and are responsible for educating the
customer.
At present, financial and banking services are rather computerized and operate, but the
large amount of data makes their action rather rigid, complicated and generates additional
operating and frustration costs, sometimes on the part of customers. An example in this case
is the credit process, involving many documents, signatures and physical presence in the
banking network.
Concidering estimates that a whole generation will be almost exclusively digital,
banking organizations of the future will already have to be ready to reach this generation by
the only channel, namely the digital one. Therefore, the banks of the future are the ones who
will make the most of the technology to meet customer requirements.
In support of the development of the digital society and, implicitly, the digital banking
organization the priorities relate to:
Developing the future internet and enhancing computer security: technology issues
and practices in the web are numerous and also make IT security necessary.
Hardware-software rethinking: The development of nanoscience and miniaturization,
which allow the integration of artificial intelligence in various sectors (the
telecommunication industry, etc.), while the demand for integrated systems is
growing.
Development of the software industry, including the development of digital culture
among decision-makers and entrepreneurs, and the promotion of research coordination
through strengthened national bodies for scientific research.
Therefore, the use of NICT is an essential asset in the banking organization, both from
the perspective of its employees using technology and from the perspective of customers,
users of the equipment and platforms provided by banking institutions in the process
efficiency process.
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Figure 3. The process of validating / invalidating the hypotheses of the empirical study
on the performance generated by the use of NICT by the employees of the banking units
in Dambovita County
Source : elaborated by the author
At the end of the research, based on both the results of the specialized studies and the
results of the scientific approach undertaken, a series of proposals can be formulated:
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In order to increase the receptivity to the new and implicitly to the new
technologies, a solution would be that the implemented NICT aim to make the
banking activity more efficient by reducing the bureaucracy and the working time
allocated to each operation. In most cases, the employee's work is doubled by
producing the same documents both in physical and electronic form, which
contributes to reducing his receptivity to working with new technologies;
Regarding the quality of NICT existing in the banking units included in the study, it
can be said that this could be improved both by replacing some hardware products
and by updating the software;
Regarding the level of competencies of using NICT implemented in the bank where
the employees work, a proposal would be to organize training, development and
improvement of the NICT use training, by the banking institution, each time new
ones are introduced technologies;
Considering the potential of technology in the communication process, it can be
maximized, both internally and externally (for example, software products such as
Customer Relationship Management helps the right message and reach the
customer segment in order to be loyal to them);
Permanent technological progress makes existing IT systems in banking units
morally burdensome, so it is important for banks to keep up with emerging NICT
and prepare their employees to work with them;
The most recent issue is related to ensuring the security of personal data. A
proposal in this regard is to maximize data security and customer database through
proactive action to protect confidential information from cyber attacks. This can be
done by both securing access to the online platform of the bank, using protection
software, and by educating users on the use of information and security policy.
The results of the scientific inquiry on customer satisfaction caused by NICT
implementation in Dambovita County banking units reflect that more than half of their clients
(individuals) are satisfied with the services provided by the bank through technology,
indicating flexibility as the main reason why I choose to use them. Regarding the validation
process of the hypotheses initially established, it is noted that the first 4 hypotheses
formulated were validated and the fifth one was invalidated (Figure 2).
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• Hypothesis 1. The use of Internet banking / Mobile banking offered by the bank
through NICT is dependent on respondents' age, occupation, and environment of
Validated residence.
• Hypothesis 4. As the primary reason for using Internet banking / Mobile banking,
Validated flexibility is positively associated with the occupation and the sex of respondents.
• Hypothesis 5. There is a strong link between the respondents' age and the main
Invalidated reason why some of them do not use Internet banking / Mobile banking.
Figure 4. The process of validating / invalidating the hypotheses of the empirical study
on customer satisfaction determined by the NICT implementation in the banking units
in Dambovita County
Source : elaborated by the author
At the end of the research, based on both the results of the specialized studies and the
results of the scientific approach undertaken, a series of proposals can be formulated:
Given the respondent's dissatisfaction with the lack of adaptation of the work
program to their requirements, a proposal would be to shift the work schedule to at
least two hours on one of the days of the week so that customers benefit from
banking services that can not be done through the online channel;
The self-service equipment introduced does not often reduce wait time at the
counter because bank staff are also concerned with advising clients who have
difficulty in conducting financial operations through self-service equipment.
Therefore, a proposal in this regard could be to standardize self-service equipment
and to carry out campaigns to promote and educate customers for their use at
national level. In this way, the process of using self-service equipment would be
simplified in the customer's view, the degree of reticence would diminish, and the
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possibility to carry out financial operations with self-service equipment would turn
into a significant advantage;
In order to customize and adapt services to customer requirements, banking
organizations should continually improve the database by updating it with as much
information as possible on customer preferences;
With regard to the current range of banking services offered through NICT
(Internet / Mobile banking), respondents are not entirely satisfied with it. This
aspect can be improved by an appropriate communication policy but also by
diversifying it to meet the needs of existing and potential clients;
Considering that the main three reasons for which a respondent does not use
Internet / Mobile banking services are: the preference for the direct relationship
with the bank (44.4%), the difficulty of the use process (28.8%) and the lack of
confidence in these services (12.4%), the proposals consist of:
an attempt to change the mindset of clients visiting a bank branch for operations
or information that can be obtained by accessing online platforms or using self-
service equipment made available by the bank;
simplifying the procedures for using all NICT equipment with which customers
come in contact, both online and physically;
securing access to the online platform of the bank and ensuring the security of
confidential data.
In terms of increasing the likelihood of using Internet / Mobile banking services,
this can be done by diversifying bids and reducing commissions.
In conclusion, the results of the literature research and of the empirical study support
the fact that NICT are of fundamental importance for the banking organization and can
therefore be considered as an essential strategic factor, which contributes to a great extent to
economic and managerial performance.
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PERSONAL CONTRIBUTIONS
During the elaboration of the present scientific research, from the point of view of the
analyzed issues, the significant contributions of the author are presented as follows:
1. Contributions to identify the place, role, importance, implications and risks of
using new information and communication technologies (NICT) in the
organization's work:
defining the concept of NICT, based on the analysis and synthesis of the scientific
literature;
presenting the strategic character attributed to NICT used within the information
society;
analyzing the impact of NICT on the organization, in social, economic and ethical
terms;
identifying the risks arising from the use of NICT, as well as information security
measures.
2. Contributions to the analysis of banking transformation in the digital economy:
identifying the favorable factors of the digital economy's rise;
presenting the specific features and fundamental principles of the digital economy;
identifying NICT generating the technological revolution;
analysis of the digitization of the economy in Romania;
presenting the banking transformation process as a result of rethinking business
models, processes and work;
identifying the main features that define the banking organization of the future.
3. Contributions regarding the analysis of the performance of the management
system in the Romanian banking organizations in the context of digitization:
presentation of digitization - a way to increase the performance of the banking
organization;
analysis of the performance of the management system in the context of the NICT
implementation in the banking organization;
presentation of the Romanian banking system in terms of organization and
performance.
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Limits of Research
Given that the results obtained in the research were based on the answers received
from both the employees and the customers of three banking units in Dambovita County, they
can be considered as having a limited character.
In developing research, the main difficulties encountered relate to:
The magnitude / complexity of the research theme chosen;
Restricting access to data on Dambovita County Banking Organizations due to
employees' reluctance and respect of confidentiality;
Limiting the sample to the employees of only three banking units in Dambovita
County, respectively to their clients.
The results obtained are based on responses that constitute the personal perceptions
of the employees and the clients participating in the study, thus increasing the
degree of subjectivity of the research.
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CURRICULUM VITAE
Europass
Personal information
First name(s) / Surname(s) ILIE OANA-MIHAELA
Mobile 0729365465
E-mail ym_oana@yahoo.co.uk
Work experience
77
Oana-Mihaela ILIE
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Oana-Mihaela ILIE
Name and type of Department for the Training of Teaching Staff, "Valahia" University of Târgovişte
organisation providing
education and training
Dates 2010
Title of qualification ECDL Certificate
awarded
Principal subjects / Basic Computer Operating Skills / File Management / Word / Excel / PowerPoint /
occupational skills covered Access / Internet and Electronic Mail
Name and type of N. C.“Constantin Carabella”, Târgovişte
organisation providing
education and training
Organisational skills and Organizational spirit proven in the activities carried out within the simulated
competences enterprise (economic director within the simulated enterprise
IS.NewaveAgency.SRL - participation at the Simulated Enterprise International
Fair, Austria, 2013), but also developed individual working capacity.
Computer skills and Good knowledge of Microsoft Office ™ tools (Word, PowerPoint, Excel, Access) -
competences ECDL and the SAGA accounting software for companies.
Artistic skills and Music, dance.
competences
Other skills
Member: Center for Research and Studies in Management and Marketing of "Valahia"
University of Targoviste, Faculty of Economics
More information Publications and research activities: participation in 19 international scientific
conferences; 20 articles published in specialized journals and scientific volumes.
79