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Country Report

Poland Flag Financial Cards and Payments in Poland

| Pages: 80

Price: US$2,100

About this Report

EXECUTIVE SUMMARY

Growth in financial cards is fuelled by favourable external factors

Financial cards in Poland experienced a healthy performance in 2015. Progress can be illustrated by the healthy growth of the retail value of transactions, the number of transactions and the number of cards in circulation. Growth in financial cards was fuelled by a sequence of favourable circumstances, principally based on positive economic growth of 3% for the NBP in 2014. Another factor fuelling growth was the radical decline in interchange fees, which since the beginning of 2015 have amounted to 0.2% on debit cards and 0.3% on other cards.

Superior position of debit cards in Poland

Debit cards maintained its position as the leader in financial cards in Poland in 2015, with further 5% growth in the number of debit cards in circulation. This positive performance was backed by conditions such as the rising banked population and the increasing number of bank accounts. In Poland the practise is that bank account holders are offered a debit card as a supplement which allows them to easily and conveniently manage their financial resources. Debit cards is predicted to continuously increase in the forecast period.

Breakthrough in the number of credit cards in circulation in 2015

In 2015, for the first time since 2009, credit cards registered growth in the number of cards in circulation. This was primarily due to finalising a process of liquidation of non-active cards and resolving contracts with unreliable clients, as previously, till 2009 the banks suffered from strong growth in outstanding loans, which worsened the financial results of issuers. In 2015 the banks began to more intensely issue these cards once again, as the higher interchange fee of 0.3% (0.1 of a percentage point higher than debit cards) promises higher revenues from transactions. In turn, Polish customers now have much higher awareness of such cards, and are more inclined to use them as a cheap, quick and convenient way of obtaining short term consumer credit.

Charge cards continues to decline

Charge cards registered another consecutive year of decline in 2015. This financial tool was massively issued by banks at the beginning of the review period, but then lost ground to the more popular credit cards. At present, these cards are neither popular amongst customers nor promoted by the banks. Practically, the only field of their existence is petrol stations, where charge cards are used as a payment tool for fuel for company cars. However, for this purpose charge cards sees strong competition is from commercial credit cards and pre-paid closed and open loop cards. Charge cards is predicted to decline further in the forecast period.

The digitalisation process drives sales of pre-paid cards in Poland

Pre-paid cards registered healthy growth in value transactions in 2015. These cards benefited from their main feature, which is a defined limit on payments. Open loop pre-paid cards usually operate as a virtual purse, which is especially useful whilst travelling within the country and abroad. Growth in closed loop pre-paid cards is being fuelled by the municipalities, which have implemented these as useful and convenient electronic tickets on public transportation systems. The forecast performance of closed loop pre-paid cards is bound with the further digitalisation of Polish institutions and offices. However, in some cases (for instance in large cities), there is a switch being observed from closed loop cards to open loop cards. The reason is this is that open loop cards are more universal in terms of functionality, including unlimited possibilities to make payments in bricks and mortar outlets and online.

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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

Growth in financial cards is fuelled by favourable external factors

Superior position of debit cards in Poland

Breakthrough in the number of credit cards in circulation in 2015

Charge cards continues to decline

The digitalisation process drives sales of pre-paid cards in Poland

KEY TRENDS AND DEVELOPMENTS

Development of POS terminals triggered by the radical decline in interchange fees in 2014/2015

The rising banked population is ground for the development of financial cards

The digitalisation of Polish institutions is a favourable factor for financial cards and internet banking

MARKET INDICATORS

  • Table 1 Number of POS Terminals: Units 2010-2015
  • Table 2 Number of ATMs: Units 2010-2015
  • Table 3 Value Lost to Fraud 2010-2015
  • Table 4 Card Expenditure by Location 2015
  • Table 5 Financial Cards in Circulation by Type: % Number of Cards 2010-2015
  • Table 6 Domestic versus Foreign Spend 2015

MARKET DATA

  • Table 7 Financial Cards by Category: Number of Cards in Circulation 2010-2015
  • Table 8 Financial Cards by Category: Number of Accounts 2010-2015
  • Table 9 Financial Cards Transactions by Category: Value 2010-2015
  • Table 10 Financial Cards by Category: Number of Transactions 2010-2015
  • Table 11 Consumer Payments by Category: Value 2010-2015
  • Table 12 Consumer Payments by Category: Number of Transactions 2010-2015
  • Table 13 M-Commerce by Category: Value 2010-2015
  • Table 14 M-Commerce by Category: % Value Growth 2010-2015
  • Table 15 Financial Cards: Number of Cards by Issuer 2010-2014
  • Table 16 Financial Cards: Number of Cards by Operator 2010-2014
  • Table 17 Financial Cards: Card Payment Transactions Value by Operator 2010-2014
  • Table 18 Financial Cards: Card Payment Transactions Value by Issuer 2010-2014
  • Table 19 Forecast Financial Cards by Category: Number of Cards in Circulation 2015-2020
  • Table 20 Forecast Financial Cards by Category: Number of Accounts 2015-2020
  • Table 21 Forecast Financial Cards Transactions by Category: Value 2015-2020
  • Table 22 Forecast Financial Cards by Category: Number of Transactions 2015-2020
  • Table 23 Forecast Consumer Payments by Category: Value 2015-2020
  • Table 24 Forecast Consumer Payments by Category: Number of Transactions 2015-2020
  • Table 25 Forecast M-Commerce by Category: Value 2015-2020
  • Table 26 Forecast M-Commerce by Category: % Value Growth 2015-2020

DEFINITIONS

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

COMPETITIVE POSITIONING

  • Summary 3 Bank Zachodni WBK SA: Competitive Position 2014

BGZ BNP Paribas SA in Financial Cards and Payments (Poland)

STRATEGIC DIRECTION

KEY FACTS

  • Summary 4 BGZ SA: Operational Indicators
  • Summary 5 BNP Paribas SA: Operational Indicators

COMPETITIVE POSITIONING

Crédit Agricole Bank Polska SA in Financial Cards and Payments (Poland)

STRATEGIC DIRECTION

KEY FACTS

  • Summary 6 Crédit Agricole Bank Polska SA: Operational Indicators

COMPETITIVE POSITIONING

  • Summary 7 Crédit Agricole Bank Polska SA: Competitive Position 2014

Millennium Bank SA in Financial Cards and Payments (Poland)

STRATEGIC DIRECTION

KEY FACTS

  • Summary 8 Millennium Bank SA: Operational Indicators

COMPETITIVE POSITIONING

  • Summary 9 Millennium Bank SA: Competitive Position 2014

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

STRATEGIC DIRECTION

KEY FACTS

  • Summary 10 PKO Bank Polski SA: Operational Indicators

COMPETITIVE POSITIONING

  • Summary 11 PKO Bank Polski SA: Competitive Position 2014

ATM Transactions in Poland - Category Analysis

HEADLINES

TRENDS

COMPETITIVE LANDSCAPE

PROSPECTS

CATEGORY DATA

  • Table 27 ATM Cards: Number of Cards in Circulation 2010-2015
  • Table 28 ATM Cards Transactions 2010-2015
  • Table 29 ATM Cards in Circulation: % Growth 2010-2015
  • Table 30 ATM Cards Transactions: % Growth 2010-2015
  • Table 31 Forecast ATM Cards: Number of Cards in Circulation 2015-2020
  • Table 32 Forecast ATM Cards Transactions 2015-2020
  • Table 33 Forecast ATM Cards in Circulation: % Growth 2015-2020
  • Table 34 Forecast ATM Cards Transactions: % Growth 2015-2020

Charge Card Transactions in Poland - Category Analysis

HEADLINES

TRENDS

COMPETITIVE LANDSCAPE

PROSPECTS

CATEGORY DATA

  • Table 35 Charge Cards: Number of Cards in Circulation 2010-2015
  • Table 36 Charge Cards Transactions 2010-2015
  • Table 37 Charge Cards in Circulation: % Growth 2010-2015
  • Table 38 Charge Cards Transactions: % Growth 2010-2015
  • Table 39 Commercial Charge Cards: Number of Cards in Circulation 2010-2015
  • Table 40 Commercial Charge Cards Transactions 2010-2015
  • Table 41 Commercial Charge Cards in Circulation: % Growth 2010-2015
  • Table 42 Commercial Charge Cards Transactions: % Growth 2010-2015
  • Table 43 Personal Charge Cards: Number of Cards in Circulation 2010-2015
  • Table 44 Personal Charge Cards Transactions 2010-2015
  • Table 45 Personal Charge Cards in Circulation: % Growth 2010-2015
  • Table 46 Personal Charge Cards Transactions: % Growth 2010-2015
  • Table 47 Charge Cards: Number of Cards by Issuer 2010-2014
  • Table 48 Charge Cards: Number of Cards by Operator 2010-2014
  • Table 49 Charge Cards Payment Transaction Value by Issuer 2010-2014
  • Table 50 Charge Cards Payment Transaction Value by Operator 2010-2014
  • Table 51 Commercial Charge Cards: Number of Cards by Issuer 2010-2014
  • Table 52 Commercial Charge Cards: Number of Cards by Operator 2010-2014
  • Table 53 Commercial Charge Cards Payment Transaction Value by Issuer 2010-2014
  • Table 54 Commercial Charge Cards Payment Transaction Value by Operator 2010-2014
  • Table 55 Personal Charge Cards: Number of Cards by Issuer 2010-2014
  • Table 56 Personal Charge Cards: Number of Cards by Operator 2010-2014
  • Table 57 Personal Charge Cards Transaction Value by Issuer 2010-2014
  • Table 58 Personal Charge Cards Transaction Value by Operator 2010-2014
  • Table 59 Forecast Charge Cards: Number of Cards in Circulation 2015-2020
  • Table 60 Forecast Charge Cards Transactions 2015-2020
  • Table 61 Forecast Charge Cards in Circulation: % Growth 2015-2020
  • Table 62 Forecast Charge Cards Transactions: % Growth 2015-2020
  • Table 63 Forecast Commercial Charge Cards: Number of Cards in Circulation 2015-2020
  • Table 64 Forecast Commercial Charge Cards Transactions 2015-2020
  • Table 65 Forecast Commercial Charge Cards in Circulation: % Growth 2015-2020
  • Table 66 Forecast Commercial Charge Cards Transactions: % Growth 2015-2020
  • Table 67 Forecast Personal Charge Cards: Number of Cards in Circulation 2015-2020
  • Table 68 Forecast Personal Charge Cards Transactions 2015-2020
  • Table 69 Forecast Personal Charge Cards in Circulation: % Growth 2015-2020
  • Table 70 Forecast Personal Charge Cards Transactions: % Growth 2015-2020

Credit Card Transactions in Poland - Category Analysis

HEADLINES

TRENDS

COMPETITIVE LANDSCAPE

PROSPECTS

CATEGORY DATA

  • Table 71 Credit Cards: Number of Cards in Circulation 2010-2015
  • Table 72 Credit Cards Transactions 2010-2015
  • Table 73 Credit Cards in Circulation: % Growth 2010-2015
  • Table 74 Credit Cards Transactions: % Growth 2010-2015
  • Table 75 Commercial Credit Cards: Number of Cards in Circulation 2010-2015
  • Table 76 Commercial Credit Cards Transactions 2010-2015
  • Table 77 Commercial Credit Cards in Circulation: % Growth 2010-2015
  • Table 78 Commercial Credit Cards Transactions: % Growth 2010-2015
  • Table 79 Personal Credit Cards: Number of Cards in Circulation 2010-2015
  • Table 80 Personal Credit Cards Transactions 2010-2015
  • Table 81 Personal Credit Cards in Circulation: % Growth 2010-2015
  • Table 82 Personal Credit Cards Transactions: % Growth 2010-2015
  • Table 83 Credit Cards: Number of Cards by Issuer 2010-2014
  • Table 84 Credit Cards: Number of Cards by Operator 2010-2014
  • Table 85 Credit Cards Payment Transaction Value by Issuer 2010-2014
  • Table 86 Credit Cards Payment Transaction Value by Operator 2010-2014
  • Table 87 Commercial Credit Cards: Number of Cards by Issuer 2010-2014
  • Table 88 Commercial Credit Cards: Number of Cards by Operator 2010-2014
  • Table 89 Commercial Credit Cards Payment Transaction Value by Issuer 2010-2014
  • Table 90 Commercial Credit Cards Payment Transaction Value by Operator 2010-2014
  • Table 91 Personal Credit Cards: Number of Cards by Issuer 2010-2014
  • Table 92 Personal Credit Cards: Number of Cards by Operator 2010-2014
  • Table 93 Personal Credit Cards Payment Transaction Value by Issuer 2010-2014
  • Table 94 Personal Credit Cards Payment Transaction Value by Operator 2010-2014
  • Table 95 Forecast Credit Cards: Number of Cards in Circulation 2015-2020
  • Table 96 Forecast Credit Cards Transactions 2015-2020
  • Table 97 Forecast Credit Cards in Circulation: % Growth 2015-2020
  • Table 98 Forecast Credit Cards Transactions: % Growth 2015-2020
  • Table 99 Forecast Commercial Credit Cards: Number of Cards in Circulation 2015-2020
  • Table 100 Forecast Commercial Credit Cards Transactions 2015-2020
  • Table 101 Forecast Commercial Credit Cards in Circulation: % Growth 2015-2020
  • Table 102 Forecast Commercial Credit Cards Transactions: % Growth 2015-2020
  • Table 103 Forecast Personal Credit Cards: Number of Cards in Circulation 2015-2020
  • Table 104 Forecast Personal Credit Cards Transactions 2015-2020
  • Table 105 Forecast Personal Credit Cards in Circulation: % Growth 2015-2020
  • Table 106 Forecast Personal Credit Cards Transactions: % Growth 2015-2020

Debit Transactions in Poland - Category Analysis

HEADLINES

TRENDS

COMPETITIVE LANDSCAPE

PROSPECTS

CATEGORY DATA

  • Table 107 Debit Cards: Number of Cards in Circulation 2010-2015
  • Table 108 Debit Cards Transactions 2010-2015
  • Table 109 Debit Cards in Circulation: % Growth 2010-2015
  • Table 110 Debit Cards Transactions: % Growth 2010-2015
  • Table 111 Debit Cards: Number of Cards by Issuer 2010-2014
  • Table 112 Debit Cards: Number of Cards by Operator 2010-2014
  • Table 113 Debit Cards Payment Transaction Value by Issuer 2010-2014
  • Table 114 Debit Cards Payment Transaction Value by Operator 2010-2014
  • Table 115 Forecast Debit Cards: Number of Cards in Circulation 2015-2020
  • Table 116 Forecast Debit Cards Transactions 2015-2020
  • Table 117 Forecast Debit Cards in Circulation: % Growth 2015-2020
  • Table 118 Forecast Debit Cards Transactions: % Growth 2015-2020

Pre-Paid Transactions in Poland - Category Analysis

HEADLINES

TRENDS

COMPETITIVE LANDSCAPE

PROSPECTS

CATEGORY DATA

  • Table 119 Pre-paid Cards: Number of Cards in Circulation 2010-2015
  • Table 120 Pre-paid Cards Transactions 2010-2015
  • Table 121 Pre-paid Cards in Circulation: % Growth 2010-2015
  • Table 122 Pre-paid Cards Transactions: % Growth 2010-2015
  • Table 123 Closed Loop Pre-paid Cards Transactions 2010-2015
  • Table 124 Closed Loop Pre-paid Cards Transactions: % Growth 2010-2015
  • Table 125 Open Loop Pre-paid Cards Transactions 2010-2015
  • Table 126 Open Loop Pre-paid Cards Transactions: % Growth 2010-2015
  • Table 127 Pre-paid Cards: Number of Cards by Issuer 2010-2014
  • Table 128 Pre-paid Cards: Number of Cards by Operator 2010-2014
  • Table 129 Pre-paid Cards Transaction Value by Issuer 2010-2014
  • Table 130 Pre-paid Cards Transaction Value by Operator 2010-2014
  • Table 131 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2010-2014
  • Table 132 Closed Loop Pre-paid Cards: Number of Cards by Operator 2010-2014
  • Table 133 Closed Loop Pre-paid Cards Transaction Value by Issuer 2010-2014
  • Table 134 Closed Loop Pre-paid Cards Transaction Value by Operator 2010-2014
  • Table 135 Open Loop Pre-paid Cards: Number of Cards by Issuer 2010-2014
  • Table 136 Open Loop Pre-paid Cards: Number of Cards by Operator 2010-2014
  • Table 137 Open Loop Pre-paid Cards Transaction Value by Issuer 2010-2014
  • Table 138 Open Loop Pre-paid Cards Transaction Value by Operator 2010-2014
  • Table 139 Forecast Pre-paid Cards: Number of Cards in Circulation 2015-2020
  • Table 140 Forecast Pre-paid Cards Transactions 2015-2020
  • Table 141 Forecast Pre-paid Cards in Circulation: % Growth 2015-2020
  • Table 142 Forecast Pre-paid Cards Transactions: % Growth 2015-2020
  • Table 143 Forecast Closed Loop Pre-paid Cards Transactions 2015-2020
  • Table 144 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2015-2020
  • Table 145 Forecast Open Loop Pre-paid Cards Transactions 2015-2020
  • Table 146 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2015-2020

Store Card Transactions in Poland - Category Analysis

HEADLINES

TRENDS

COMPETITIVE LANDSCAPE

PROSPECTS

CATEGORY DATA

  • Table 147 Store Cards: Number of Cards in Circulation 2010-2015
  • Table 148 Store Cards Transactions 2010-2015
  • Table 149 Store Cards in Circulation: % Growth 2010-2015
  • Table 150 Store Cards Transactions: % Growth 2010-2015
  • Table 151 Store Cards: Number of Cards by Issuer 2010-2014
  • Table 152 Store Cards: Payment Transaction Value by Issuer 2010-2014
  • Table 153 Forecast Store Cards: Number of Cards in Circulation 2015-2020
  • Table 154 Forecast Store Cards Transactions 2015-2020
  • Table 155 Forecast Store Cards in Circulation: % Growth 2015-2020
  • Table 156 Forecast Store Cards Transactions: % Growth 2015-2020

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 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
      • M-Commerce
        • Mobile Phone M-Commerce
          • Mobile Phone - Proximity
          • Mobile Phone - Remote
        • Tablet M-Commerce

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
  • 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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