Now, More Than Ever, It Is Important to Be Aware of Emerging Fintech Trends and Smart Investments

3 min readOct 24, 2022


Plants growing on coins — an illustration of the investment

Entrepreneurship has been my fort from the very start, as I wanted to enact something from scratch and nourish it through my own efforts. Now, having a long-term affiliation with the financial industry, I strongly believe in smart investing and supporting high-potential start-ups to trigger broader growth.

My first financial business started with a workforce of just 3 employees and an investment of €30,000, collected with much effort. However, it didn’t take me long to gain confidence on one hand, and the trust of global clients on the other. Within a year I started receiving several offers, thanks to my constant hard work and dedication. Currently, I am involved in multiple projects, including fintech (with’s brokerage services), as well as many real estate projects, both residential and commercial.

That said, as an angel investor and entrepreneur with years of experience, I want to again emphasize the significance of investing. I advise the younger generation, especially Romanians, to not sit on cash and aptly seize available opportunities.

The financial sector is evolving, but Romanian consumers are not entirely prepared for the change

The fintech industry is gaining prominence at an exponential rate, where traditional banking and financing channels are being revamped. With the help of innovative technologies, automation, and artificial intelligence, fintech businesses are already offering redefined money management, investing, and banking services to consumers.

US-based Robinhood and UK-based Revolut are notable examples of amazing fintech start-ups, now accommodating an extensive user base thanks to their remarkable and easy-to-use features. It can be said that fintech start-ups are stepping up their game by extending much cheaper, convenient, and simpler financial solutions, hence shaking up the monopoly of previous big players.

Although Romania is gradually welcoming the growing fintech industry, the lack of proper financial education is hampering a wider overhaul. Romanian consumers are still insufficiently trained and guided about the vitality of financial planning, and that’s why many fail to save money, despite using investing or other fintech apps. Furthermore, many people who own established businesses are unfamiliar with wealth management. They are unable to generate the much-needed passive income and fail to stimulate comprehensive economic development.

Mobile screen displaying a fintech app

Robust financial learning is crucial for Romanian youngsters

I think there is an urgent need for powerful financial education and strong measures to enlighten the Romanian masses about this domain. Young people have to understand that they must show determination and put in efforts to achieve stable success over the long term. They need to let go of their comfortable mindset, set certain goals, and work hard to attain them with full commitment.

A piece of advice to young investors and people with a large sum of money

For young people looking for safer investments, I would recommend going for real estate if they have recurring income. While capital markets and start-ups are also good options, their risk ratio is significantly high. Invest in these spheres only if you can afford to lose the invested money.

On the other hand, people with large sums of money should first develop a wealth management strategy based on their risk tolerance and earning potential. After defining the limits, they can adopt a mixed investment approach, including both traditional and high-risk, high-potential products.

Diversification is the key to a healthy investment portfolio

In my opinion, diversification is the core feature of a good investment portfolio. With a diversified portfolio consisting of low, medium, and high-risk investments, you can efficiently balance out the risk and return equation.

Unfortunately, most people in our country go for hoarding cash instead of putting it to work via investing. By doing so, they fail to contribute back to the community and miss out on encouraging young entrepreneurs. By becoming a part of the investment ecosystem, they could have made a huge difference in the entire business, social, and economic environment of their community.