4.1.2. Analyzing the E-Communication by Using E-Mailing

E-mail continues to be an important part of personal and professional life. It continues to grow daily as part of the Internet experience and use. The total number of business and consumer e-mails sent and received per day was 293.6 billion in 2019 [71]. Data on sent and received e-mails are presented for the three analyzed zones between 2015 and 2019 (Table 2).


**Table 2.** Data on the number of sent and received e-mails (e-communication) (x1) [72].

In January 2017, the number of daily sent e-mails was 269 billion and 293.6 billion in 2019 [73] (Figure 2).

**Figure 2.** Graphic representation of e-mailings by countries and by years.

We observe that the number of sent e-mails is continuously increasing, however, according to the table, the data from Romania show that, in 2019, the individuals using the Internet to send and receive e-mails (43) is much below the average for the EU28 countries (75), and much more below for the analyzed group (90–94), again H1 is fulfilled, i.e., there is a difference between the analyzed values present on the level of the group for e-mailing.

#### 4.1.3. Analyzing the E-Commerce

According to a study, in 2018, Northern Europe has the highest spending per online shopper [74]. Although the European B2C e-commerce turnover was 621 billion euros in 2019, the shoppers from Romania continue to shop traditionally rather than online. Data on e-commerce are presented below for the three analyzed zones (Table 3).


**Table 3.** Data on information about goods and services (e-commerce) (x2) [75].

According to a study (GpeC), the online shopper in Romania is between 25 and 35 years old; about eight in ten shoppers live in cities; and 90% of online shoppers prefer to pay-on-delivery (Figure 3).

**Figure 3.** Graphic representation of e-commerce by countries and by years.

Even if Romania is one of the biggest e-commerce industries from southeastern Europe, the share of e-commerce in total retail is still quite low, between 2.2% and 2.5% [76]. Romania (33%) is far from the EU28 (68%) and the best-in-class group (83% to 89%), indicating that H1 is again fulfilled, and that there is a significant difference between e-commerce variables.

#### 4.1.4. Analyzing the E-Banking

About 51% (2017) and 58% (in 2019) from European adults use e-banking which is popular among people between 25 and 34 years (among those with higher education, 77% use e-banking and among those with no higher education only 24% use e-banking [77]). Data on e-banking are presented below by years and for the three analyzed zones (Table 4).


**Table 4.** Data on using the Internet for online banking (e-banking) (x3) [78].

The four countries from the analyzed group use e-banking between 84% and 91% of individuals between 16 to 74 years, in 2019, and Romania is in penultimate place with 8%. Its trend is increasing, but it is still low as compared with the average and the analyzed group, thus, indicating again that H1 is fulfilled, showing a significant gap from 8% (the value recorded in Romania) to 91% (the highest value from the analyzed group) (Figure 4).

**Figure 4.** Graphic representation of e-banking trend by countries and by years.

E-banking in Romania has been increasing slowly (8% in 2019) as compared with the average of the EU28 level (58% in 2019) or the analyzed group (between 84% and 91%). We observed that the trend of e-banking in Romania has been increasing from 2007 (2%) to 2012 (3%) to 2018 (7%) and 2019 (8%).
