Toma, Filip-Mihai http://orcid.org/0000-0002-8817-945X
Cepoi, Cosmin-Octavian
Kubinschi, Matei Nicolae
Miyakoshi, Makoto
Article History
Received: 21 June 2022
Accepted: 22 December 2022
First Online: 13 January 2023
Declarations
:
: We confirm that the manuscript has been submitted solely to the Financial Innovation and that it is not published, in press, or submitted elsewhere. We also confirm that all research meets the ethical guidelines, including adherence to the legal requirements of the studied countries. We confirm that we have seen, read, and understood the guidelines on copyright. Informed consent was obtained from all subjects involved in the study.
: The authors declare that they have no competing interests.