Vaitkus, Robertas

Purpose – to describe financial security assurance models and assess the possibilities of using them to solve problems to ensure economics welfare.Research methodology – analytic, systematic, generalization and comparative methods are used in this article. Findings – the content of the financial security concept is revealed at the microeconomic and macroeconomic levels, while examining how the selection and implementation of appropriate financial security measures can contribute to sustainable economic prosperity. Research limitations – the consequences of the implementation of the financial security models analyzed in this article are commented on assessing the peculiarities of one country’s national legal system. Practical implications – appropriate solutions for maintaining financial security provided in the strategies of creating economics welfare can help to decrease social exclusion, risks and negative effects of economic crises. Originality/Value – in the article was formulated theoretical models of financial security assurance. The use of these models or combinations of models at microeconomic and macroeconomic levels to incorporate financial security instru-ments allows policy makers to have a universal toolkit in their arsenal. This enables not only to make decisions more quickly, but also to solve the problems of ensuring economics welfare in a more systematic way.

Purpose – to disclose the theoretical aspects of the interconnectivity of financial services and financial security and to explore an assurance of financial security options in choosing financial services. Design/methodology/approach – analytic, systematic, generalization and comparative methods are used in this article. Finding – the abundance and diversity of financial services contributes to economic development. But it is also an environment which is influenced by a variety of risks, right and wrong financial decisions and other factors. The influence of these factors highlights the need to discuss the theoretical aspects of the interconnectivity of financial security and financial services. It is also necessary to consider what factors influences financial decision-making process and what management, regulatory, financial education and other measures contribute to financial security and sustainable economic development. Research limitations / implications – only few researches have been done to reveal the relationship between financial security and financial services. There are also very few researches on the impact of financial security decisions and how financial security can be provided in the provision of financial services. This article aims to present the main theoretical aspects of the interconnectivity of financial security and financial services and problem areas related to purchasing of financial services and financial decision making. Practical implications – more and more financial products and services appears in the market. New financial tools provide many benefits and opportunities, but they also cause new sources of risk and instability. In the context of the globalization and integration, the financial system is changing rapidly and becoming vulnerable to any negative developments. These reasons lead to the need to disclose the theoretical dimension of the interconnectivity of financial services and financial security. There are many uncertainties in the provision of financial services when consumers must make a financial choice. Depending on whether a right or wrong decision is made, financial security may increase or decrease. Consumers' financial behaviour, financial literacy, information available, and other factors can influence decision-making process. Therefore, the article examines what influences decisions in choosing financial services. Aspects of decision making in the purchasing of financial services explored in the article can help to find the best measures to ensure financial security and the well-being of society or to ensure the quality of life. Originality /Value – researches often emphasizes the need for financial security, but in this context, there is a lack of valid generalizations about interconnectivity of financial security and financial services. The article reveals the interconnectivity of financial security and financial services and the necessity to evaluate financial security aspects and other factors that influence financial decision making when purchasing financial services. The aspects of financial security revealed in the article provide opportunities for further, more detailed research on financial security as a separate economic phenomenon.

Straipsnyje nagrinėjami pagrindiniai finansinio saugumo koncepcijos raiškos vertybiniai aspektai ir atskleidžiama, kaip finansinio saugumo principai reiškiasi asmens elgsenoje finansų valdymo kontekste. Nagrinėjant asmens finansinio saugumo palaikymo galimybes, atliekama integruota finansinės elgsenos modelių bei motyvų analizė, atskleidžiami teisiniai ir psichologiniai problemos nagrinėjimo aspektai. Taip pat analizuojama, kaip susiformuoja finansinio saugumo užsitikrinimo poreikis ir kokios pagrindinės asmens vertybinės nuostatos ar stereotipai priveda prie skubotų ir nepamatuotų finansiškai nesaugių sprendimų priėmimo ir sunkių pasekmių.

Straipsnyje nagrinėjami Kolektyvinio investavimo subjektų sistemos ypatumai neprofesionaliųjų ir informuotųjų investuotojų požiūriu ir apžvelgiami aktualūs kolektyvinio investavimo dalyvių teisinio reglamentavimo ir investuotojo finansinio saugumo palaikymo priemonių taikymo aspektai.