Generations in Romania have different priorities but share common values when it comes to managing money. From young people who invest in experiences and technology to the more mature generations who focus on security and savings, Romanians are united by the desire for financial stability and responsible planning. This is the conclusion of the latest Despre Bani 1:1 study – Differences and similarities between generations, conducted by Raiffeisen Bank Romania in partnership with Appinio.
Saving money — a reflex common to all generations
70% of participants say they have savings, most of them kept in savings accounts.
The motivations differ from one generation to another:
- Generation Z saves for vacations and hobbies
- Generations Y and X save for children and family
- Baby Boomers save for emergencies or unexpected expenses
Regardless of age, 9 out of 10 Romanians believe it is important to have savings, and 85% think money should be managed carefully, recognizing the effort required to earn it.
Young people trust technology, seniors prefer offline interactions
Technology is viewed positively by most respondents: 8 out of 10 Romanians believe digitalization makes money management easier. However, clear differences appear between generations:
- Young people use mobile apps and cards
- Older generations remain attached to cash and face-to-face interactions at the bank
Approximately 40% of Romanians actively use mobile banking apps, but the percentage is significantly lower among Baby Boomers, who show higher levels of distrust toward digital payments and fear of fraud.
Differences that bring us together
According to the study, 6 out of 10 Romanians say there are generational conflicts when it comes to money.
Younger generations often feel judged for their openness to technology and spontaneous spending, while older people believe that young individuals “trust too much” and are less cautious. Still, the study also reveals an optimistic trend: generations are willing to learn from one another.
Young people seek advice on saving, while seniors appreciate the help they receive from younger people in using banking apps and protecting themselves against online fraud.
“Generational differences are not a barrier, but an opportunity for dialogue. Each generation has something to offer—young people bring innovation and openness, while those with experience offer balance and caution. In banking, just like in families, understanding and exchanging perspectives help us make better decisions for the future,” said Laura Mihăilă, Director of Marketing, Communication & CX, Raiffeisen Bank Romania.
The research “Differences and similarities between generations” is part of the Despre Bani 1:1 series conducted by Raiffeisen Bank Romania. The study was carried out in collaboration with Appinio, using the CAWI method, on a sample of 800 people aged 18–65, nationally representative, in October 2025.