SummarySubject and purpose of work: The aim of the article is to present selected aspects of the digitization process of the banking sector in Poland, including the role of the digital channel in the sale of banking products.Materials and methods: The research is of comparative character and is based on data from the financial website PRNews.pl, NBP, KNF and the ECB Bank.Results: Mobile banking in Poland is highly concentrated. In 2016-2019, the five largest banks serviced 82% of all mobile banking customers, and their number increased by 27% annually.Conclusions: Digitization simplifies the process of obtaining and processing information and contributes to reducing operating costs. However it also forces banks to prepare appropriate security and implement costly technological investments. It increases the availability and quality of banking services, and moves customer service from banking branches to the digital channel. Additionally it contributes to reducing the network of branches and the number of employees employed in them.
SummarySubject and purpose of work: The article addresses the issue of the increasing use of payment cards in Poland and related consequences in the number and volume of transactions cash and cashless. The article analyzes the growing importance of cards as a transaction medium of Poles. The topic of potential alternative payment methods was also discussed.Materials and methods: The study used the analysis of literature and source data from, among others, National Bank of Poland, prnews.pl, Statista.com database, websites of banks and others. Descriptive and statistical methods were used in order to prepare the research.Results: In Poland, the number of cards owned by citizens is growing rapidly, as well as the volume and number of transactions concluded with them. Customers, banks and economic and commercial units are most interested in payment cards market.Conclusions: Transaction with cards deepens customer attachment to a particular brand of the organization and allows to gain benefit from transaction fees. The popularization of cards results in a limited share of cash in transactions. Making debit card payments requires customers to have sufficient deposits on the account, which is also an advantage for the bank. It is expected that the scope and role of mobile payments will grow dynamically.
The article presents the results of examining the changes that have occurred in connection with the digitization of banking in Poland and its impact on this segment. The data is taken from the National Bank of Poland, the Polish Financial Supervision Authority, and the Prnews.pl website. A descriptive, statistical and Pearson correlation method were used. The results indicate an increasing share of customers using banking products in a digital way. The number of both website and mobile applications customers is growing. Despite the general increase in the number of people using banks, the number of bank branches as well as the employees working them has decreased. Mobile applications may soon become the main sales and service channel for banking products, the number of customers of banks using them regularly increases. In fact, the rise in digitization for banking and the decrease in the number of branches and employees are strongly correlated. The increasing usage of online and mobile banking is influenced by convenience, availability, and a reduction in the time customers spend on purchasing and servicing their products. Banks are interested in developing these types of services in order to both meet the changing needs of customers and to save on operating costs.
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