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Country Report

Financial Cards and Payments in Poland

| Pages: 85

Price: US$1,900

About this Report

EXECUTIVE SUMMARY

Card payments post double-digit growth

Polish consumers have gained confidence in the use of cards for payments and they are willing to use them in retail and service outlets. In 2012 the volume and value of cashless payments showed impressive double-digit growth. The positive tendency was observed in debit cards, where the value of transactions increased significantly faster than the number of cards in circulation. In the case of credit cards, despite a decrease in the number of cards in circulation, their value of transactions grew. Issuers and operators encourage cardholders to use financial cards actively, waiving fees for cards if they are actively utilised.

The breakthrough in contactless payments

In Poland the first contactless cards with the logo of multinational operators started to be issued in 2007. Since this time, contactless cards have spread and are available in the offers of most commercial banks and some cooperative banks. In 2012 a significant expansion of contactless cards infrastructure has been seen. Contactless cards are accepted by retail and foodservice chains such as McDonald’s, Kolporter, Shell, Douglas, Auchan and Carrefour, as well as many independent points of sale. According to a Visa Europe source, from April 2012, Poland registered the largest number and value of contactless transactions in Europe. Poles increasingly pay by contactless cards, considering that way of payment to be fast and convenient.

PKO Bank Polski, mBank and Pekao on the lead

PKO Bank Polski SA, mBank (BRE Bank SA) and Pekao SA remain the largest issuers of financial cards in Poland. PKO Bank Polski and Pekao are the largest banks in Poland, with the largest number of branches and assets, while mBank is an online bank, which attracts consumers by offering bank accounts and debit cards with no charges if the card is used actively. In 2012, Banco Santander (the owner of Bank Zachodni WBK) and Belgian KBC Bank (owner of Kredyt Bank SA) signed an agreement regarding a merger of both banks in Poland. The new joint entity is expected to have a network of over 900 branches and serve 3.5 million customers across the country. The bank will have a significant share in consumer banking, which may impact a change in the shares of the largest issuers of financial cards.

High interchange fees impacts financial card acceptance network

Interchange fees for card payments in Poland are among the highest in Europe. These fees are approximately twice the EU average. High fees discourage small retailers and service providers from installing POS terminals as the cost of card acceptance significantly impacts margins. In 2012 companies operating in financial cards started to discuss intensively interchange fees. The National Bank of Poland was also involved in the discussion. It suggested a gradual reduction of interchange fees to reach the level of the EU average (0.7% for debit cards and 0.84% for credit and charge cards) in January 2017. Such a decrease will help to widen financial cards’ acceptance network, driving further increases in the volume and value of card transactions.

Positive performance expected for financial cards

The performance of financial cards is expected to be strong as they have great potential for further development. Measures of their usage remained significantly lower than the average for EU countries at the end of the review period. Volume and value of transactions per card saw an upward tendency over the review period and this trend is expected to be continued over the forecast period. Card payments are predicted to develop faster than ATM transactions. Growth will be attributable to the rising banked population in Poland, driving a higher number of debit cards attached to a bank account, a growing number of transportation closed loop pre-paid cards and the transactions made by them, ??as well as the increasing use of open loop pre-paid cards.

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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

Card payments post double-digit growth

The breakthrough in contactless payments

PKO Bank Polski, mBank and Pekao on the lead

High interchange fees impacts financial card acceptance network

Positive performance expected for financial cards

KEY TRENDS AND DEVELOPMENT

Cashless payments on the rise

Wider application of pre-paid cards

Transformation of the Polish banking system

High interchange fees slow development of card payments

Contactless revolution in Poland

Outlook

Future impact

MARKET INDICATORS

  • Table 1 Number of POS Terminals 2007-2012
  • Table 2 Number of ATMs 2007-2012
  • Table 3 Value Lost to Fraud 2007-2012
  • Table 4 Card Expenditure by Location 2012
  • Table 5 Card Expenditure by Category 2012
  • Table 6 Financial Cards in Circulation by Type: % Number of Cards 2007-2012
  • Table 7 Domestic versus Foreign Spend 2012

MARKET DATA

  • Table 8 Consumer Payments: Value 2007-2012
  • Table 9 Consumer Payments: Number of Transactions 2007-2012
  • Table 10 Financial Cards: Number of Cards in Circulation 2007-2012
  • Table 11 Financial Cards Transactions: Value 2007-2012
  • Table 12 Financial Cards: Number of Transactions 2007-2012
  • Table 13 Financial Cards: Number of Accounts 2007-2012
  • Table 14 Financial Cards: Number of Cards by Issuer 2007-2011
  • Table 15 Financial Cards: Number of Cards by Operator 2007-2011
  • Table 16 Financial Cards: Card Payment Transaction Value by Operator 2007-2011
  • Table 17 Financial Cards: Card Payment Transaction Value by Issuer 2007-2011
  • Table 18 Consumer Payments Forecast: Value 2012-2017
  • Table 19 Consumer Payments Forecast: Number of Transactions 2012-2017
  • Table 20 Financial Cards Forecast: Number of Cards in Circulation 2012-2017
  • Table 21 Financial Cards Forecast: Value 2012-2017
  • Table 22 Financial Cards Forecast: Number of Transactions 2012-2017
  • Table 23 Financial Cards Forecast: Number of Accounts 2012-2017

DEFINITIONS

SOURCES

  • Summary 1 Research Sources

Financial Cards and Payments in Poland - Company Profiles

Bank Handlowy w Warszawie SA in Financial Cards and Payments (Poland)

STRATEGIC DIRECTION

KEY FACTS

  • Summary 2 Bank Handlowy w Warszawie SA: Key Facts
  • Summary 3 Bank Handlowy w Warszawie SA: Operational Indicators

COMPANY BACKGROUND

COMPETITIVE POSITIONING

  • Summary 4 Bank Handlowy w Warszawie SA: Competitive Position 2011

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

STRATEGIC DIRECTION

KEY FACTS

  • Summary 5 Bank Zachodni WBK SA: Key Facts
  • Summary 6 Bank Zachodni WBK SA: Operational Indicators

COMPANY BACKGROUND

COMPETITIVE POSITIONING

  • Summary 7 Bank Zachodni WBK SA: Competitive Position 2011

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

STRATEGIC DIRECTION

KEY FACTS

  • Summary 8 ING Bank Slaski SA: Key Facts
  • Summary 9 ING Bank Slaski SA: Operational Indicators

COMPANY BACKGROUND

COMPETITIVE POSITIONING

  • Summary 10 ING Bank Slaski SA: Competitive Position 2011

Pekao SA in Financial Cards and Payments (Poland)

STRATEGIC DIRECTION

KEY FACTS

  • Summary 11 Pekao SA: Key Facts
  • Summary 12 Pekao SA: Operational Indicators

COMPANY BACKGROUND

COMPETITIVE POSITIONING

  • Summary 13 Pekao SA: Competitive Position 2011

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

STRATEGIC DIRECTION

KEY FACTS

  • Summary 14 PKO Bank Polski SA: Key Facts
  • Summary 15 PKO Bank Polski SA: Operational Indicators

COMPANY BACKGROUND

COMPETITIVE POSITIONING

  • Summary 16 PKO Bank Polski SA: Competitive Position 2011

ATM Transactions in Poland - Category Analysis

HEADLINES

TRENDS

COMPETITIVE LANDSCAPE

PROSPECTS

CATEGORY DATA

  • Table 24 ATM Cards Category Performance: 2007-2012
  • Table 25 ATM Cards Category Performance: Number of Cards in Circulation 2007-2012
  • Table 26 ATM Cards Category Performance: % Growth 2007-2012
  • Table 27 ATM Cards in Circulation Category Performance: % Growth 2007-2012
  • Table 28 ATM Cards Forecast Category Performance: 2012-2017
  • Table 29 ATM Cards Forecast Category Performance: Number of Cards in Circulation 2012-2017
  • Table 30 ATM Cards Forecast Category Performance: % Growth 2012-2017
  • Table 31 ATM Cards in Circulation Forecast Category Performance: % Growth 2012-2017

Charge Card Transactions in Poland - Category Analysis

HEADLINES

TRENDS

COMPETITIVE LANDSCAPE

PROSPECTS

CATEGORY DATA

  • Table 32 Charge Cards Category Performance: 2007-2012
  • Table 33 Charge Cards Category Performance: Number of Cards in Circulation 2007-2012
  • Table 34 Charge Cards Category Performance: % Growth 2007-2012
  • Table 35 Charge Cards in Circulation Category Performance: % Growth 2007-2012
  • Table 36 Personal Charge Cards Category Performance: 2007-2012
  • Table 37 Personal Charge Cards Category Performance: Number of Cards in Circulation 2007-2012
  • Table 38 Personal Charge Cards Category Performance: % Growth 2007-2012
  • Table 39 Personal Charge Cards in Circulation Category Performance: % Growth 2007-2012
  • Table 40 Commercial Charge Cards Category Performance: 2007-2012
  • Table 41 Commercial Charge Cards Category Performance: Number of Cards in Circulation 2007-2012
  • Table 42 Commercial Charge Cards Category Performance: % Growth 2007-2012
  • Table 43 Commercial Charge Cards in Circulation Category Performance: % Growth 2007-2012
  • Table 44 Charge Cards: Number of Cards by Issuer 2007-2011
  • Table 45 Charge Cards: Number of Cards by Operator 2007-2011
  • Table 46 Charge Cards Payment Transaction Value by Issuer 2007-2011
  • Table 47 Charge Cards Payment Transaction Value by Operator 2007-2011
  • Table 48 Personal Charge Cards: Number of Cards by Issuer 2007-2011
  • Table 49 Personal Charge Cards: Number of Cards by Operator 2007-2011
  • Table 50 Personal Charge Cards Transaction Value by Issuer 2007-2011
  • Table 51 Personal Charge Cards Transaction Value by Operator 2007-2011
  • Table 52 Commercial Charge Cards: Number of Cards by Issuer 2007-2011
  • Table 53 Commercial Charge Cards: Number of Cards by Operator 2007-2011
  • Table 54 Commercial Charge Cards Payment Transaction Value by Issuer 2007-2011
  • Table 55 Commercial Charge Cards Payment Transaction Value by Operator 2007-2011
  • Table 56 Charge Cards Forecast Category Performance: 2012-2017
  • Table 57 Charge Cards Forecast Category Performance: Number of Cards in Circulation 2012-2017
  • Table 58 Charge Cards Forecast Category Performance: % Growth 2012-2017
  • Table 59 Charge Cards in Circulation Forecast Category Performance: % Growth 2012-2017
  • Table 60 Personal Charge Cards Forecast Category Performance: 2012-2017
  • Table 61 Personal Charge Cards Forecast Category Performance: Number of Cards in Circulation 2012-2017
  • Table 62 Personal Charge Cards Forecast Category Performance: % Growth 2012-2017
  • Table 63 Personal Charge Cards in Circulation Forecast Category Performance: % Growth 2012-2017
  • Table 64 Commercial Charge Cards Forecast Category Performance: 2012-2017
  • Table 65 Commercial Charge Cards Forecast Category Performance: Number of Cards in Circulation 2012-2017
  • Table 66 Commercial Charge Cards Forecast Category Performance: % Growth 2012-2017
  • Table 67 Commercial Charge Cards in Circulation Forecast Category Performance: % Growth 2012-2017

Credit Card Transactions in Poland - Category Analysis

HEADLINES

TRENDS

COMPETITIVE LANDSCAPE

PROSPECTS

CATEGORY DATA

  • Table 68 Credit Cards Category Performance: 2007-2012
  • Table 69 Credit Cards Category Performance: Number of Cards in Circulation 2007-2012
  • Table 70 Credit Cards Category Performance: % Growth 2007-2012
  • Table 71 Credit Cards in Circulation Category Performance: % Growth 2007-2012
  • Table 72 Commercial Credit Cards Category Performance: 2007-2012
  • Table 73 Commercial Credit Cards Category Performance: Number of Cards in Circulation 2007-2012
  • Table 74 Commercial Credit Cards Category Performance: % Growth 2007-2012
  • Table 75 Commercial Credit Cards in Circulation Category Performance: % Growth 2007-2012
  • Table 76 Personal Credit Cards Category Performance: 2007-2012
  • Table 77 Personal Credit Cards Category Performance: Number of Cards in Circulation 2007-2012
  • Table 78 Personal Credit Cards Category Performance: % Growth 2007-2012
  • Table 79 Personal Credit Cards in Circulation Category Performance: % Growth 2007-2012
  • Table 80 Credit Cards: Number of Cards by Issuer 2007-2011
  • Table 81 Credit Cards: Number of Cards by Operator 2007-2011
  • Table 82 Credit Cards Payment Transaction Value by Issuer 2007-2011
  • Table 83 Credit Cards Payment Transaction Value by Operator 2007-2011
  • Table 84 Commercial Credit Cards: Number of Cards by Issuer 2007-2011
  • Table 85 Commercial Credit Cards: Number of Cards by Operator 2007-2011
  • Table 86 Commercial Credit Cards Payment Transaction Value by Issuer 2007-2011
  • Table 87 Commercial Credit Cards Payment Transaction Value by Operator 2007-2011
  • Table 88 Personal Credit Cards: Number of Cards by Issuer 2007-2011
  • Table 89 Personal Credit Cards: Number of Cards by Operator 2007-2011
  • Table 90 Personal Credit Cards Payment Transaction Value by Issuer 2007-2011
  • Table 91 Personal Credit Cards Payment Transaction Value by Operator 2007-2011
  • Table 92 Credit Cards Forecast Category Performance: 2012-2017
  • Table 93 Credit Cards Forecast Category Performance: Number of Cards in Circulation 2012-2017
  • Table 94 Credit Cards Forecast Category Performance: % Growth 2012-2017
  • Table 95 Credit Cards in Circulation Forecast Category Performance: % Growth 2012-2017
  • Table 96 Commercial Credit Cards Forecast Category Performance: 2012-2017
  • Table 97 Commercial Credit Cards Forecast Category Performance: Number of Cards in Circulation 2012-2017
  • Table 98 Commercial Credit Cards Forecast Category Performance: % Growth 2012-2017
  • Table 99 Commercial Credit Cards in Circulation Forecast Category Performance: % Growth 2012-2017
  • Table 100 Personal Credit Cards Forecast Category Performance: 2012-2017
  • Table 101 Personal Credit Cards Forecast Category Performance: Number of Cards in Circulation 2012-2017
  • Table 102 Personal Credit Cards Forecast Category Performance: % Growth 2012-2017
  • Table 103 Personal Credit Cards in Circulation Forecast Category Performance: % Growth 2012-2017

Debit Transactions in Poland - Category Analysis

HEADLINES

TRENDS

COMPETITIVE LANDSCAPE

PROSPECTS

CATEGORY DATA

  • Table 104 Debit Cards Category Performance: 2007-2012
  • Table 105 Debit Cards Category Performance: Number of Cards in Circulation 2007-2012
  • Table 106 Debit Cards Category Performance: % Growth 2007-2012
  • Table 107 Debit Cards in Circulation Category Performance: % Growth 2007-2012
  • Table 108 Debit Cards: Number of Cards by Issuer 2007-2011
  • Table 109 Debit Cards: Number of Cards by Operator 2007-2011
  • Table 110 Debit Cards Payment Transaction Value by Issuer 2007-2011
  • Table 111 Debit Cards Payment Transaction Value by Operator 2007-2011
  • Table 112 Debit Cards Forecast Category Performance: 2012-2017
  • Table 113 Debit Cards Forecast Category Performance: Number of Cards in Circulation 2012-2017
  • Table 114 Debit Cards Forecast Category Performance: % Growth 2012-2017
  • Table 115 Debit Cards in Circulation Forecast Category Performance: % Growth 2012-2017

Pre-Paid Card Transactions in Poland - Category Analysis

HEADLINES

TRENDS

COMPETITIVE LANDSCAPE

PROSPECTS

CATEGORY DATA

  • Table 116 Pre-paid Cards Category Performance: 2007-2012
  • Table 117 Pre-paid Cards Category Performance: Number of Cards in Circulation 2007-2012
  • Table 118 Pre-paid Cards Category Performance: % Growth 2007-2012
  • Table 119 Pre-paid Cards in Circulation Category Performance: % Growth 2007-2012
  • Table 120 Closed Loop Pre-paid Cards Category Performance: 2007-2012
  • Table 121 Closed Loop Pre-paid Cards Category Performance: % Growth 2007-2012
  • Table 122 Open Loop Pre-paid Cards Category Performance: 2007-2012
  • Table 123 Open Loop Pre-paid Cards Category Performance: % Growth 2007-2012
  • Table 124 Pre-paid Cards: Number of Cards by Issuer 2007-2011
  • Table 125 Pre-paid Cards: Number of Cards by Operator 2007-2011
  • Table 126 Pre-paid Cards Transaction Value by Issuer 2007-2011
  • Table 127 Pre-paid Cards Transaction Value by Operator 2007-2011
  • Table 128 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2007-2011
  • Table 129 Closed Loop Pre-paid Cards: Number of Cards by Operator 2007-2011
  • Table 130 Closed Loop Pre-paid Cards Transaction Value by Issuer 2007-2011
  • Table 131 Closed Loop Pre-paid Cards Transaction Value by Operator 2007-2011
  • Table 132 Open Loop Pre-paid Cards: Number of Cards by Issuer 2007-2011
  • Table 133 Open Loop Pre-paid Cards: Number of Cards by Operator 2007-2011
  • Table 134 Open Loop Pre-paid Cards Transaction Value by Issuer 2007-2011
  • Table 135 Open Loop Pre-paid Cards Transaction Value by Operator 2007-2011
  • Table 136 Pre-paid Cards Forecast Category Performance: 2012-2017
  • Table 137 Pre-paid Cards Forecast Category Performance: Number of Cards in Circulation 2012-2017
  • Table 138 Pre-paid Cards Forecast Category Performance: % Growth 2012-2017
  • Table 139 Pre-paid Cards in Circulation Forecast Category Performance: % Growth 2012-2017
  • Table 140 Closed Loop Pre-paid Cards Forecast Category Performance: 2012-2017
  • Table 141 Closed Loop Pre-paid Cards Forecast Category Performance: % Growth 2012-2017
  • Table 142 Open Loop Pre-paid Cards Forecast Category Performance: 2012-2017
  • Table 143 Open Loop Pre-paid Cards Forecast Category Performance: % Growth 2012-2017

Store Card Transactions in Poland - Category Analysis

HEADLINES

TRENDS

COMPETITIVE LANDSCAPE

PROSPECTS

CATEGORY DATA

  • Table 144 Store Cards Category Performance: 2007-2012
  • Table 145 Store Cards Category Performance: Number of Cards in Circulation 2007-2012
  • Table 146 Store Cards Category Performance: % Growth 2007-2012
  • Table 147 Store Cards in Circulation Category Performance: % Growth 2007-2012
  • Table 148 Store Cards: Number of Cards by Issuer 2007-2011
  • Table 149 Store Cards: Payment Transaction Value by Issuer 2007-2011
  • Table 150 Store Cards Forecast Category Performance: 2012-2017
  • Table 151 Store Cards Forecast Category Performance: Number of Cards in Circulation 2012-2017
  • Table 152 Store Cards Forecast Category Performance: % Growth 2012-2017
  • Table 153 Store Cards in Circulation Forecast Category Performance: % Growth 2012-2017

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

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

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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