1. WHAT MAKES ROMANIANS TO BANK ON THEIR SMARTPHONES? DETERMINANTS OF MOBILE BANKING ADOPTION. Authors: ZSUZSA SĂPLĂCAN, IMOLA-ZSUZSÁNNA MOLDOVÁN.2. BANKING WITH A CHATBOT – A STUDY ON TECHNOLOGY ACCEPTANCE. Authors: ZSUZSA SĂPLĂCAN, IBOLYA VIZELI, MÓNIKA-ANETTA ALT.