ABSTRACT. According to Haden, the emergy theory of value states that the more previous work done, or energy dissipated, to produce something, the greater is its value. OECD asserts that, in financial services, wholesale markets are fairly well integrated, but that market segmentation in retail banking and the investment fund industry needs to be reduced. Pauwels and Ionita argue that, over the past few years, Romania has benefited from increasing FDI flows: Romania has overtaken the Czech Republic as the third largest destination of FDI flows amongst recently acceded Member States in 2006.