Kovács Kármen: Viselkedési közgazdaságtan. (Behavioral Economics) (Akadémiai Kiadó, 2025. ISBN: 9789634549826.)
The significance of the chosen research topic arises from the growing complexity of economic exchanges, stricter requirements for banking supervision, and the increasing necessity to enhance risk management. In the context of global financial uncertainty and the accelerated flow of information, traditional methods of assessing banking risk may no longer be adequate. This study explores innovative frameworks capable of autonomously processing large datasets, predicting potential hazards, and providing effective mitigation strategies. The research is grounded in general scientific methods such as analysis, synthesis, classification, and bibliographic review. The findings suggest that incorporating cognitive models into banking risk management signifies a shift from traditional practices toward more adaptive and predictive approaches. Although these models show considerable potential for improving banking risk practices, they remain underutilized in the financial sector. The cognitive framework proposed in this study may significantly enhance decision-making efficiency and reduce liabilities, offering practical value, particularly in dynamic market conditions.
This study aims to identify the factors that explain the limited implementation of intangible and digital investments among Hungarian small and medium-sized enterprises (SMEs). The dominant explanation attributes investment restraint primarily to financing constraints; however, recent evidence suggests a more nuanced picture. Scientific and practical relevance: The paper introduces a conceptual framework – the financing alignment problem – contributing to the renewal of SME finance literature and offering direct policy implications. The analysis is based on multi-stakeholder expert discussions, qualitative interviews, and systematic review of secondary sources. The findings indicate that investment restraint is not primarily driven by a lack of access to finance, but by the limited alignment between intangible investments and the prevailing logic of financial intermediation. Stimulating SME investment requires a better fit between financing instruments and firm-level development needs.
