The Covid-19 pandemic reveal the need for structural reforms in various economic sectors including the banking sector. In Greece the banking sector needs to promote structural reforms promoting new products and services or improve existing ones to improve contactless transactions. The purpose of the paper is to explore the determinants (in terms of demographic, personal and behavioral factors) that are affecting the use of mobile banking during the Covid-19 pandemic in Greece. A multiple logistic regression and a structural equation model analysis are employed, in conjunction with confirmatory factor analysis, based on a proposed extended technological acceptance model (TAM). The data derived from a field survey on 617 users and non-users of mobile banking, using an appropriately-constructed questionnaire. The results showed that the demographics as well as the personal and technology acceptance factors contributed significantly to the adoption of this form of online banking in Greece. From the extended TAM model, perceived usefulness, perceived ease of use, perceived risk, hedonic motivation and social influence were found to have a significant impact on the use of mobile banking. Furthermore, perceived awareness combined with subconscious factors such as personal characteristics of Greek consumers play an important role. This is the first study for Greece, to the best of our knowledge, which examines the determinants affecting the use of mobile banking both in terms of consumers' perceptions and attitudes during a period where contactless transactions became necessary in the everyday life of consumers worldwide.

Due to the global economic and political crises in various regions of the world in recent years, the flow of migrants from countries with deeper structural problems to more developed countries has increased dramatically. At national level, education is the basis on which the values, philosophy, ideology, and culture of a nation are determined. Behavior is analyzed from both psychological and sociological perspectives. The purpose of the paper is, through an experimental analysis of Greek school leaders and educators in the upper level of secondary education, to investigate their attitudes towards young immigrants that attend Greek high schools and determine whether or not their behavior is being influenced by psychological or sociological aspects of the migration phenomenon. The experimental results are in accordance with both sociological and psychological perspectives for the chosen behaviors of school educators. It is clear that familiarity, experience and the exercise of educational policy are critical factors influencing teachers' attitudes towards young immigrants. No difference in behavior has been found except for a slightly more positive attitude towards emigration. In view of the above, recognizing the importance of more cohesive and socially protective educational policies and practices would have far-reaching consequences.

Greeks seem to be unfamiliar with online banking services, which was an obstacle to the smooth conduct of their transactions, especially during the Covid-19 period. The objective of the study is to reveal the dimensions that influence the use of Digital Banking, including users’ satisfaction and no users’ perceptions in Greece during Covid-19 period, using both econometrical and behavioral analysis approaches. Performing factor analysis, a Structural Equation Model and Multiple Logistic Regressions Models derived that both technological and personal factors, such as, personality and familiarity with banking products could impact the use and maintenance of the use of Digital-Banking in Greece. Besides, technical characteristics of services applications’ such as easiness in login and security influenced users’ satisfaction, while other traditional banking services such as ATM’s and automatic machines’ use, including the behavioral intention to change the way someone is conducting his/her banking transactions, could also be an obstacle in adoption. The particular study examines at the first time not only the perceptions of Greek consumers about electronic banking services, such as Digital-Banking, but also the factors, which will enhance the existing users’ satisfaction, in conjunction with the barriers that lead in non-adoption, including other banking services.

Purpose: This study aims to investigate Greek bank card holders’ behavior and verify the use of this means of payment against cash in their various transactions.Methodology: A variety of econometric and behavioral models were used to capture those factors that can affect satisfaction and attitude towards bank cards and behavioral intention to continue using them, in conjunction with the choice of using this payment method over cash, during the Covid-19 period in Greece.By performing Factor Analysis, Multiple Logistic Regression, Structural Equation, and Multiple Linear Regressions Models, it was proved that factors such as transaction security, acceptance of the payment, ease of use, and the characteristics of bank cards could be influencing the use of such banking products. Exceptional were the findings regarding the influence of the type of good, the sector, and transaction size, on the choice of payment method. In addition, individuals’ perceptions about the prestige and benefits offered by bank cards against cash, in combination with elements of an individual’s personality, such as materialism and compulsive buyers, were equally important factors that could enhance the use of these banking products in Greece.Originality: The novelty of this study lies in the fact that a variety of different econometric and behavioral models were used to investigate in-depth personal factors and factors related to the conduction of transactions that both affect the use of bank cards and cash at a time that Greek transactions require to be contactless.

Purpose: The study aimed to investigate Greek consumers' attitudes and actual behavior toward virtual bank cards and to show whether Experimental Economics can incentivize these banking products.Methodology: For data collection, a specially designed experiment was conducted among Greek consumer samples according to Experimental Economics and Nudging Theory principles. Econometric analysis was conducted through Multi-level Models and Bivariate statistical tests.Results: Results suggest that demographic characteristics such as age combined with personalization and consumer risk perception play an important role in virtual bank card adoption. The youngest consumers are optimistic about their use, while the oldest are negative. Furthermore, Experimental Economics and Nudging Theory could identify behavioral changes.Novelty: The study's novelty and uniqueness are based on investigating Greek consumers' attitudes and behavior towards new and innovative banking products, which still need to be well known. The research methodology is also a groundbreaking feature of the study, as Experimental Economics is the most appropriate method to study human behavior and its unconscious influencing factors that cannot be studied in other ways.