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Country Report

Poland Flag Financial Cards and Payments in Poland

| Pages: 78

Price: US$1,900

About this Report

EXECUTIVE SUMMARY

Cashless payments post double digit growth

Polish consumers are becoming more confident about using financial cards to make payments as cashless transactions recorded impressive double-digit value and volume growth again in 2013. The main reason for this positive growth is the rising number of debit cards in circulation as well as the high popularity of contactless transactions. Both issuers and operators of financial cards are encouraging cardholders to use financial cards more actively. Increasing levels of marketing activity are also helping to promote and boost the popularity of alternative payment technologies.

Reduction of interchange fees is on the way

Interchange fees in Poland remain among the highest in Europe and this is one of the major factors behind the low acceptance of financial cards in the country. However, this situation is set to change quickly due to the introduction of new laws regarding interchange. In addition, business leaders are also interested in reducing interchange fees. One of the biggest retailers operating in convenience stores in Poland, Zabka, recently announced the introduction of mobile payments in all of its outlets and has threatened to stop accepting payment by the traditional financial cards issued by banks. Industry sources predict further declines in interchange fees due to lobbying by merchants and rising competition from alternative payment methods.

High acceptance of new technologies changes Polish payment landscape

In comparison with consumers in most European countries, Poles are very keen on new technologies in payments. At the end of 2012, over half of all financial cards issued by Polish banks had contactless function. This situation places Poland on the forefront of Europe in this respect. Polish banks are replacing older financial cards with newer alternatives with contactless functions. It is expected that, during 2014, the vast majority of financial cards in Poland will have only contactless function. Poles have also accepted new mobile payments technologies and a solid foundation for sustained growth in this area has been created.

Polish banking sector to consolidate

PKO Bank Polski SA, already the biggest bank in Poland in terms of number of bank accounts and debit cards strengthened its position during the middle of 2013 by acquiring Nordea Bank Polska. The earlier merger of Bank Zachodni WBK SA and Kredyt Bank SA under the Santander banner created another major player with a high share of financial cards in line with Bank Pekao SA, which is controlled by UniCredit Group. Some minor foreign players such as Bank DnB Nord have decided to withdraw from the retail banking business in Poland. Further consolidation is expected in Poland’s banking sector during the forecast period.

High market saturation in some cards’ categories

Despite the increases recorded in financial cards overall in 2013, some categories are expected to develop at a slower pace than others during the forecast period. In charge cards, demand for fleet fuel cards is almost fully saturated and industry experts expect growth to be in line with general GDP growth, at best. The significance of personal charge cards is expected to diminish further due to high competition from more functional and practical credit cards. Store cards maintains only a marginal presence in Poland, with only one issuer and two retailers active in this category.

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Overview

Discover the latest market trends and uncover sources of future market growth for the Financial Cards and Payments industry in Poland with research from Euromonitor's team of in-country analysts.

Find hidden opportunities in the most current research data available, understand competitive threats with our detailed market analysis, and plan your corporate strategy with our expert qualitative analysis and growth projections.

If you're in the Financial Cards and Payments industry in Poland, our research will save you time and money while empowering you to make informed, profitable decisions.

The Financial Cards and Payments in Poland market research report includes:

  • Analysis of key supply-side and demand trends  
  • Historic volumes and values, company and brand market shares
  • Five year forecasts of market trends and market growth
  • Robust and transparent market research methodology, conducted in-country

Our market research reports answer questions such as:

  • What is the market size of Financial Cards and Payments in Poland?
  • What are the major operators and issuers in Poland?
  • How will regulation impact the market?  
  • What is the current state of emerging payment technologies such as mobile commerce?

Why buy this report?

  • Gain competitive intelligence about market leaders
  • Track key industry trends, opportunities and threats
  • Inform your marketing, brand, strategy and market development, sales and supply functions

Euromonitor’s industry reports, including Financial Cards and Payments in Poland, originate from our database within our Consumer Finance market share and market size database, Passport, a platform which analyses Consumer Finance in 46 countries and globally.

Table of Contents

Financial Cards and Payments in Poland - Industry Overview

EXECUTIVE SUMMARY

Cashless payments post double digit growth

Reduction of interchange fees is on the way

High acceptance of new technologies changes Polish payment landscape

Polish banking sector to consolidate

High market saturation in some cards’ categories

KEY TRENDS AND DEVELOPMENTS

Reductions in Poland’s high interchange fees bring positive results

Clash of old and new Poland in payments

Innovative solutions in mobile payments

MARKET INDICATORS

  • Table 1 Number of POS Terminals: Units 2008-2013
  • Table 2 Number of ATMs: Units 2008-2013
  • Table 3 Value Lost to Fraud 2008-2013
  • Table 4 Card Expenditure by Location 2013
  • Table 5 Card Expenditure by Category 2013
  • Table 6 Financial Cards in Circulation by Type: % Number of Cards 2008-2013
  • Table 7 Domestic versus Foreign Spend 2013

MARKET DATA

  • Table 8 Consumer Payments: Value 2008-2013
  • Table 9 Consumer Payments: Number of Transactions 2008-2013
  • Table 10 Financial Cards: Number of Cards in Circulation 2008-2013
  • Table 11 Financial Cards Transactions: Value 2008-2013
  • Table 12 Financial Cards: Number of Transactions 2008-2013
  • Table 13 Financial Cards: Number of Accounts 2008-2013
  • Table 14 Financial Cards: Number of Cards by Issuer 2008-2012
  • Table 15 Financial Cards: Number of Cards by Operator 2008-2012
  • Table 16 Financial Cards: Card Payment Transaction Value by Operator 2008-2012
  • Table 17 Financial Cards: Card Payment Transaction Value by Issuer 2008-2012
  • Table 18 Consumer Payments Forecast: Value 2013-2018
  • Table 19 Consumer Payments Forecast: Number of Transactions 2013-2018
  • Table 20 Financial Cards Forecast: Number of Cards in Circulation 2013-2018
  • Table 21 Financial Cards Forecast: Value 2013-2018
  • Table 22 Financial Cards Forecast: Number of Transactions 2013-2018
  • Table 23 Financial Cards Forecast: Number of Accounts 2013-2018

SOURCES

  • Summary 1 Research Sources

Financial Cards and Payments in Poland - Company Profiles

Bank Zachodni WBK SA in Financial Cards and Payments (Poland)

STRATEGIC DIRECTION

KEY FACTS

  • Summary 2 Bank Zachodni WBK SA: Operational Indicators

COMPANY BACKGROUND

COMPETITIVE POSITIONING

  • Summary 3 Bank Zachodni WBK SA: Competitive Position 2012

BRE Bank SA in Financial Cards and Payments (Poland)

STRATEGIC DIRECTION

KEY FACTS

  • Summary 4 BRE Bank SA: Operational Indicators

COMPANY BACKGROUND

COMPETITIVE POSITIONING

  • Summary 5 BRE Bank SA: Competitive Position 2012

ING Bank Slaski SA in Financial Cards and Payments (Poland)

STRATEGIC DIRECTION

KEY FACTS

  • Summary 6 ING Bank Slaski SA: Operational Indicators

COMPANY BACKGROUND

COMPETITIVE POSITIONING

  • Summary 7 ING Bank Slaski SA: Competitive Position 2012

Pekao SA in Financial Cards and Payments (Poland)

STRATEGIC DIRECTION

KEY FACTS

  • Summary 8 Pekao SA: Operational Indicators

COMPANY BACKGROUND

COMPETITIVE POSITIONING

  • Summary 9 Pekao SA: Competitive Position 2012

PKO Bank Polski SA in Financial Cards and Payments (Poland)

STRATEGIC DIRECTION

KEY FACTS

  • Summary 10 PKO Bank Polski SA: Operational Indicators

COMPANY BACKGROUND

COMPETITIVE POSITIONING

  • Summary 11 PKO Bank Polski SA: Competitive Position 2012

ATM Transactions in Poland - Category Analysis

HEADLINES

TRENDS

COMPETITIVE LANDSCAPE

PROSPECTS

CATEGORY DATA

  • Table 24 ATM Cards Category Performance 2008-2013
  • Table 25 ATM Cards Category Performance: Number of Cards in Circulation 2008-2013
  • Table 26 ATM Cards Category Performance: % Growth 2008-2013
  • Table 27 ATM Cards in Circulation Category Performance: % Growth 2008-2013
  • Table 28 ATM Cards Forecast Category Performance 2013-2018
  • Table 29 ATM Cards Forecast Category Performance: Number of Cards in Circulation 2013-2018
  • Table 30 ATM Cards Forecast Category Performance: % Growth 2013-2018
  • Table 31 ATM Cards in Circulation Forecast Category Performance: % Growth 2013-2018

Charge Card Transactions in Poland - Category Analysis

HEADLINES

TRENDS

COMPETITIVE LANDSCAPE

PROSPECTS

CATEGORY DATA

  • Table 32 Charge Cards Category Performance 2008-2013
  • Table 33 Charge Cards Category Performance: Number of Cards in Circulation 2008-2013
  • Table 34 Charge Cards Category Performance: % Growth 2008-2013
  • Table 35 Charge Cards in Circulation Category Performance: % Growth 2008-2013
  • Table 36 Personal Charge Cards Category Performance 2008-2013
  • Table 37 Personal Charge Cards Category Performance: Number of Cards in Circulation 2008-2013
  • Table 38 Personal Charge Cards Category Performance: % Growth 2008-2013
  • Table 39 Personal Charge Cards in Circulation Category Performance: % Growth 2008-2013
  • Table 40 Commercial Charge Cards Category Performance 2008-2013
  • Table 41 Commercial Charge Cards Category Performance: Number of Cards in Circulation 2008-2013
  • Table 42 Commercial Charge Cards Category Performance: % Growth 2008-2013
  • Table 43 Commercial Charge Cards in Circulation Category Performance: % Growth 2008-2013
  • Table 44 Charge Cards: Number of Cards by Issuer 2008-2012
  • Table 45 Charge Cards: Number of Cards by Operator 2008-2012
  • Table 46 Charge Cards Payment Transaction Value by Issuer 2008-2012
  • Table 47 Charge Cards Payment Transaction Value by Operator 2008-2012
  • Table 48 Personal Charge Cards: Number of Cards by Issuer 2008-2012
  • Table 49 Personal Charge Cards: Number of Cards by Operator 2008-2012
  • Table 50 Personal Charge Cards Transaction Value by Issuer 2008-2012
  • Table 51 Personal Charge Cards Transaction Value by Operator 2008-2012
  • Table 52 Commercial Charge Cards: Number of Cards by Issuer 2008-2012
  • Table 53 Commercial Charge Cards: Number of Cards by Operator 2008-2012
  • Table 54 Commercial Charge Cards Payment Transaction Value by Issuer 2008-2012
  • Table 55 Commercial Charge Cards Payment Transaction Value by Operator 2008-2012
  • Table 56 Charge Cards Forecast Category Performance 2013-2018
  • Table 57 Charge Cards Forecast Category Performance: Number of Cards in Circulation 2013-2018
  • Table 58 Charge Cards Forecast Category Performance: % Growth 2013-2018
  • Table 59 Charge Cards in Circulation Forecast Category Performance: % Growth 2013-2018
  • Table 60 Personal Charge Cards Forecast Category Performance 2013-2018
  • Table 61 Personal Charge Cards Forecast Category Performance: Number of Cards in Circulation 2013-2018
  • Table 62 Personal Charge Cards Forecast Category Performance: % Growth 2013-2018
  • Table 63 Personal Charge Cards in Circulation Forecast Category Performance: % Growth 2013-2018
  • Table 64 Commercial Charge Cards Forecast Category Performance 2013-2018
  • Table 65 Commercial Charge Cards Forecast Category Performance: Number of Cards in Circulation 2013-2018
  • Table 66 Commercial Charge Cards Forecast Category Performance: % Growth 2013-2018
  • Table 67 Commercial Charge Cards in Circulation Forecast Category Performance: % Growth 2013-2018

Credit Card Transactions in Poland - Category Analysis

HEADLINES

TRENDS

COMPETITIVE LANDSCAPE

PROSPECTS

CATEGORY DATA

  • Table 68 Credit Cards Category Performance 2008-2013
  • Table 69 Credit Cards Category Performance: Number of Cards in Circulation 2008-2013
  • Table 70 Credit Cards Category Performance: % Growth 2008-2013
  • Table 71 Credit Cards in Circulation Category Performance: % Growth 2008-2013
  • Table 72 Commercial Credit Cards Category Performance 2008-2013
  • Table 73 Commercial Credit Cards Category Performance: Number of Cards in Circulation 2008-2013
  • Table 74 Commercial Credit Cards Category Performance: % Growth 2008-2013
  • Table 75 Commercial Credit Cards in Circulation Category Performance: % Growth 2008-2013
  • Table 76 Personal Credit Cards Category Performance 2008-2013
  • Table 77 Personal Credit Cards Category Performance: Number of Cards in Circulation 2008-2013
  • Table 78 Personal Credit Cards Category Performance: % Growth 2008-2013
  • Table 79 Personal Credit Cards in Circulation Category Performance: % Growth 2008-2013
  • Table 80 Credit Cards: Number of Cards by Issuer 2008-2012
  • Table 81 Credit Cards: Number of Cards by Operator 2008-2012
  • Table 82 Credit Cards Payment Transaction Value by Issuer 2008-2012
  • Table 83 Credit Cards Payment Transaction Value by Operator 2008-2012
  • Table 84 Commercial Credit Cards: Number of Cards by Issuer 2008-2012
  • Table 85 Commercial Credit Cards: Number of Cards by Operator 2008-2012
  • Table 86 Commercial Credit Cards Payment Transaction Value by Issuer 2008-2012
  • Table 87 Commercial Credit Cards Payment Transaction Value by Operator 2008-2012
  • Table 88 Personal Credit Cards: Number of Cards by Issuer 2008-2012
  • Table 89 Personal Credit Cards: Number of Cards by Operator 2008-2012
  • Table 90 Personal Credit Cards Payment Transaction Value by Issuer 2008-2012
  • Table 91 Personal Credit Cards Payment Transaction Value by Operator 2008-2012
  • Table 92 Credit Cards Forecast Category Performance 2013-2018
  • Table 93 Credit Cards Forecast Category Performance: Number of Cards in Circulation 2013-2018
  • Table 94 Credit Cards Forecast Category Performance: % Growth 2013-2018
  • Table 95 Credit Cards in Circulation Forecast Category Performance: % Growth 2013-2018
  • Table 96 Commercial Credit Cards Forecast Category Performance 2013-2018
  • Table 97 Commercial Credit Cards Forecast Category Performance: Number of Cards in Circulation 2013-2018
  • Table 98 Commercial Credit Cards Forecast Category Performance: % Growth 2013-2018
  • Table 99 Commercial Credit Cards in Circulation Forecast Category Performance: % Growth 2013-2018
  • Table 100 Personal Credit Cards Forecast Category Performance 2013-2018
  • Table 101 Personal Credit Cards Forecast Category Performance: Number of Cards in Circulation 2013-2018
  • Table 102 Personal Credit Cards Forecast Category Performance: % Growth 2013-2018
  • Table 103 Personal Credit Cards in Circulation Forecast Category Performance: % Growth 2013-2018

Debit Transactions in Poland - Category Analysis

HEADLINES

TRENDS

COMPETITIVE LANDSCAPE

PROSPECTS

CATEGORY DATA

  • Table 104 Debit Cards Category Performance 2008-2013
  • Table 105 Debit Cards Category Performance: Number of Cards in Circulation 2008-2013
  • Table 106 Debit Cards Category Performance: % Growth 2008-2013
  • Table 107 Debit Cards in Circulation Category Performance: % Growth 2008-2013
  • Table 108 Debit Cards: Number of Cards by Issuer 2008-2012
  • Table 109 Debit Cards: Number of Cards by Operator 2008-2012
  • Table 110 Debit Cards Payment Transaction Value by Issuer 2008-2012
  • Table 111 Debit Cards Payment Transaction Value by Operator 2008-2012
  • Table 112 Debit Cards Forecast Category Performance 2013-2018
  • Table 113 Debit Cards Forecast Category Performance: Number of Cards in Circulation 2013-2018
  • Table 114 Debit Cards Forecast Category Performance: % Growth 2013-2018
  • Table 115 Debit Cards in Circulation Forecast Category Performance: % Growth 2013-2018

Pre-Paid Card Transactions in Poland - Category Analysis

HEADLINES

TRENDS

COMPETITIVE LANDSCAPE

PROSPECTS

CATEGORY DATA

  • Table 116 Pre-paid Cards Category Performance 2008-2013
  • Table 117 Pre-paid Cards Category Performance: Number of Cards in Circulation 2008-2013
  • Table 118 Pre-paid Cards Category Performance: % Growth 2008-2013
  • Table 119 Pre-paid Cards in Circulation Category Performance: % Growth 2008-2013
  • Table 120 Closed Loop Pre-paid Cards Category Performance 2008-2013
  • Table 121 Closed Loop Pre-paid Cards Category Performance: % Growth 2008-2013
  • Table 122 Open Loop Pre-paid Cards Category Performance 2008-2013
  • Table 123 Open Loop Pre-paid Cards Category Performance: % Growth 2008-2013
  • Table 124 Pre-paid Cards: Number of Cards by Issuer 2008-2012
  • Table 125 Pre-paid Cards: Number of Cards by Operator 2008-2012
  • Table 126 Pre-paid Cards Transaction Value by Issuer 2008-2012
  • Table 127 Pre-paid Cards Transaction Value by Operator 2008-2012
  • Table 128 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2008-2012
  • Table 129 Closed Loop Pre-paid Cards: Number of Cards by Operator 2008-2012
  • Table 130 Closed Loop Pre-paid Cards Transaction Value by Issuer 2008-2012
  • Table 131 Closed Loop Pre-paid Cards Transaction Value by Operator 2008-2012
  • Table 132 Open Loop Pre-paid Cards: Number of Cards by Issuer 2008-2012
  • Table 133 Open Loop Pre-paid Cards: Number of Cards by Operator 2008-2012
  • Table 134 Open Loop Pre-paid Cards Transaction Value by Issuer 2008-2012
  • Table 135 Open Loop Pre-paid Cards Transaction Value by Operator 2008-2012
  • Table 136 Pre-paid Cards Forecast Category Performance 2013-2018
  • Table 137 Pre-paid Cards Forecast Category Performance: Number of Cards in Circulation 2013-2018
  • Table 138 Pre-paid Cards Forecast Category Performance: % Growth 2013-2018
  • Table 139 Pre-paid Cards in Circulation Forecast Category Performance: % Growth 2013-2018
  • Table 140 Closed Loop Pre-paid Cards Forecast Category Performance 2013-2018
  • Table 141 Closed Loop Pre-paid Cards Forecast Category Performance: % Growth 2013-2018
  • Table 142 Open Loop Pre-paid Cards Forecast Category Performance 2013-2018
  • Table 143 Open Loop Pre-paid Cards Forecast Category Performance: % Growth 2013-2018

Store Card Transactions in Poland - Category Analysis

HEADLINES

TRENDS

COMPETITIVE LANDSCAPE

PROSPECTS

CATEGORY DATA

  • Table 144 Store Cards Category Performance 2008-2013
  • Table 145 Store Cards Category Performance: Number of Cards in Circulation 2008-2013
  • Table 146 Store Cards Category Performance: % Growth 2008-2013
  • Table 147 Store Cards in Circulation Category Performance: % Growth 2008-2013
  • Table 148 Store Cards: Number of Cards by Issuer 2008-2012
  • Table 149 Store Cards: Payment Transaction Value by Issuer 2008-2012
  • Table 150 Store Cards Forecast Category Performance 2013-2018
  • Table 151 Store Cards Forecast Category Performance: Number of Cards in Circulation 2013-2018
  • Table 152 Store Cards Forecast Category Performance: % Growth 2013-2018
  • Table 153 Store Cards in Circulation Forecast Category Performance: % Growth 2013-2018

Segmentation

This market research report includes the following:

  • Consumer Finance
    • Financial Cards and Payments
      • Financial Cards in Circulation
        • ATM Function
        • Charge Card Function
          • Commercial Charge Cards
          • Personal Charge Cards
        • Credit Function
          • Commercial Credit Cards
          • Personal Credit Cards
        • Debit Function
        • Pre-Paid Function
          • Closed Loop Pre-Paid Function
          • Open Loop Pre-Paid Function
        • Store Cards
      • Transactions
        • Total Cards Transactions
          • ATM Transactions
          • Card Payment Transactions
            • Charge Card Transactions
              • Commercial Charge Card Transactions
              • Personal Charge Card Transactions
            • Credit Card Transactions
              • Commercial Credit Card Transactions
              • Personal Credit Card Transactions
            • Debit Transactions
            • Pre-Paid Card Transactions
              • Closed Loop Pre-Paid Card Transactions
              • Open Loop Pre-Paid Card Transactions
            • Store Card Transactions
        • Consumer Payment Transactions
          • Card Payment Transactions (Excl Commercial)
          • Electronic Direct/ACH Transactions
          • Paper Payment Transactions
            • Cash Transactions
            • Other Paper Payment Types

Statistics Included

For each category and subcategory you will receive the following data in Excel format:

From Passport

  • Market Sizes
  • Company Shares
  • Analysis by Type
  • Card Expenditure by Location
  • Card Expenditure by Sector
  • Domestic vs Foreign Spend
  • Merchant Acceptance

Market size details:

  • Retail value retail selling price % growth
  • Retail value retail selling price local currency, USD, EUR, GBP, CHF, JPY
  • Retail value retail selling price per capita local currency, USD, EUR, GBP, CHF, JPY
  • Number of cards
  • Number of cards % growth
  • Number of cards per capita
  • Number of accounts
  • Number of accounts % growth
  • Number of accounts per capita
  • Transactions
  • Transactions % growth
  • Transactions per capita

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