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Country Report

Poland Flag Financial Cards and Payments in Poland

| Pages: 83

Price: US$1,900

About this Report

EXECUTIVE SUMMARY

Development of cashless payment in Poland

Following the Polish government’s decision to reduce interchange fees which previously among the highest in the EU, the development of cashless payments has accelerated in Poland. Major cash and carry retailers Makro and Selgros each introduced card payments within their Polish outlets during 2013. Eventually, even Biedronka, the leading discounters chain in Poland, decided to allow cashless payments in its outlets. Due to the lower interchange fees for merchants, both independent and chained retailers are increasingly eager to install POS terminals in their outlets. The proliferation of POS terminals is expected to motivate unbanked and underserved Polish people into banking and more modern payment methods.

Mobile revolution in payments is approaching

Throughout 2013 and 2014, numerous large-scale mobile payment schemes were introduced into Poland. Two Polish major banks developed their own systems, while a coalition of the largest banks operating in Poland worked on introducing one universal system called Polski Standard Platnosci. Small payments for bus tickets and parking vouchers are increasingly being made via mobile phones. Major mobile telecommunications operators such as T-Mobile and Orange have introduced their own payments schemes based on NFC modules. Biedronka had begun to accept mobile payments even before it introduced card payments. Mobile payments quickly became popular in Poland, as happened with contactless cards, although the development of a common standard based on NFC technology seems to be essential to the system’s eventual success.

Turnaround in credit cards in Poland

The worst years of strong declines in the number of credit cards in circulation are over in Poland as the country’s banks have finally completed the large-scale withdrawal of unprofitable idle credit cards. Innovative new credits cards are now being introduced. With the Lombard rate set by the NBP at an all-time low, the credit cards on offer are genuinely attractive. Money-back schemes are increasingly considered as the standard option by Polish consumers. Credit cards are gradually posing real competitors to standard revolving loans. Due to the declines recently recorded in interchange fees, several Polish banks are encouraging clients to use the additional functions of their credit cards.

Further reshuffling in the bank industry

The Polish banking industry is still young and vibrant and mergers occur regularly, while new brands are also launched on a regular basis. mBank, a subsidiary of Commerzbank, recently finished a large-scale consolidation and rebranding process, which helped the bank to reinforce its position among major Polish banks. PKO BP is in the process of merging with Nordea Polska, while BNP Paribas is in the process of acquiring BGZ, currently controlled by Rabobank Group. On top of this, telecommunications companies are also entering Poland, with former Invest Bank, which is owned by Plus renamed to Plus Bank. T-Mobile, in cooperation with Alior Bank, has launched T-Mobile Bank Services, formerly Alior Sync, while Orange is working with mBank. The Polish financial system is expanding and both local and global players are expected to compete vigorously during the forecast period.

Cash is set to lose its privileged position in Poland during the forecast period

Poland is finally entering a period of rapid development of cashless payments. Declining interchange fees, the rising popularity of contactless cards and the introduction of mobile payments have all pushed cash payments further into obsolescence. However, as of 2014, cash remains the most common payment method in Poland, and this has led to predictions of a strong decline in its share of overall payments during the forecast period. Changes are expected to emerge due to introduction of new innovative payment systems. The value and volume of card transactions is set to increase rapidly over the forecast period, while the number of new cards in circulation is set to increase modestly.

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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

Development of cashless payment in Poland

Mobile revolution in payments is approaching

Turnaround in credit cards in Poland

Further reshuffling in the bank industry

Cash is set to lose its privileged position in Poland during the forecast period

KEY TRENDS AND DEVELOPMENTS

Further reductions expected in interchange fees

Mobile banking services become mainstream in Poland

Telecoms enter financial services

MARKET INDICATOR

  • Table 1 Number of POS Terminals: Units 2009-2014
  • Table 2 Number of ATMs: Units 2009-2014
  • Table 3 Value Lost to Fraud 2009-2014
  • Table 4 Card Expenditure by Location 2014
  • Table 5 Financial Cards in Circulation by Type: % Number of Cards 2009-2014
  • Table 6 Domestic versus Foreign Spend 2014

MARKET DATA

  • Table 7 Financial Cards by Category: Number of Cards in Circulation 2009-2014
  • Table 8 Financial Cards Transactions by Category: Value 2009-2014
  • Table 9 Financial Cards by Category: Number of Transactions 2009-2014
  • Table 10 Financial Cards by Category: Number of Accounts 2009-2014
  • Table 11 Consumer Payments by Category: Value 2009-2014
  • Table 12 Consumer Payments by Category: Number of Transactions 2009-2014
  • Table 13 M-Commerce by Category: Value 2009-2014
  • Table 14 M-Commerce by Category: % Value Growth 2009-2014
  • Table 15 Financial Cards: Number of Cards by Issuer 2009-2013
  • Table 16 Financial Cards: Number of Cards by Operator 2009-2013
  • Table 17 Financial Cards: Card Payment Transactions Value by Operator 2009-2013
  • Table 18 Financial Cards: Card Payment Transactions Value by Issuer 2009-2013
  • Table 19 Forecast Financial Cards by Category: Number of Cards in Circulation 2014-2019
  • Table 20 Forecast Financial Cards Transactions by Category: Value 2014-2019
  • Table 21 Forecast Financial Cards by Category: Number of Transactions 2014-2019
  • Table 22 Forecast Financial Cards by Category: Number of Accounts 2014-2019
  • Table 23 Forecast Consumer Payments by Category: Value 2014-2019
  • Table 24 Forecast Consumer Payments by Category: Number of Transactions 2014-2019
  • Table 25 Forecast M-Commerce by Category: Value 2014-2019
  • Table 26 Forecast M-Commerce by Category: % Value Growth 2014-2019

SOURCES

  • Summary 1 Research Sources

Financial Cards and Payments in Poland - Company Profiles

Alior Bank SA in Financial Cards and Payments (Poland)

STRATEGIC DIRECTION

KEY FACTS

  • Summary 2 Alior Bank SA: Operational Indicators

COMPANY BACKGROUND

COMPETITIVE POSITIONING

  • Summary 3 Alior Bank SA: Competitive Position 2013

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

STRATEGIC DIRECTION

KEY FACTS

  • Summary 4 ING Bank Slaski SA: Operational Indicators

COMPANY BACKGROUND

COMPETITIVE POSITIONING

  • Summary 5 ING Bank Slaski SA: Competitive Position 2013

mBank SA in Financial Cards and Payments (Poland)

STRATEGIC DIRECTION

KEY FACTS

  • Summary 6 mBank SA: Operational Indicators

COMPANY BACKGROUND

COMPETITIVE POSITIONING

  • Summary 7 mBank SA: Competitive Position 2013

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 2013

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 2013

ATM Transactions in Poland - Category Analysis

HEADLINES

TRENDS

COMPETITIVE LANDSCAPE

PROSPECTS

CATEGORY DATA

  • Table 27 ATM Cards Transactions 2009-2014
  • Table 28 ATM Cards: Number of Cards in Circulation 2009-2014
  • Table 29 ATM Cards Transactions: % Growth 2009-2014
  • Table 30 ATM Cards in Circulation: % Growth 2009-2014
  • Table 31 Forecast ATM Cards Transactions 2014-2019
  • Table 32 Forecast ATM Cards: Number of Cards in Circulation 2014-2019
  • Table 33 Forecast ATM Cards Transactions: % Growth 2014-2019
  • Table 34 Forecast ATM Cards in Circulation: % Growth 2014-2019

Charge Card Transactions in Poland - Category Analysis

HEADLINES

TRENDS

COMPETITIVE LANDSCAPE

PROSPECTS

CATEGORY DATA

  • Table 35 Charge Cards Transactions 2009-2014
  • Table 36 Charge Cards: Number of Cards in Circulation 2009-2014
  • Table 37 Charge Cards Transactions: % Growth 2009-2014
  • Table 38 Charge Cards in Circulation: % Growth 2009-2014
  • Table 39 Personal Charge Cards Transactions 2009-2014
  • Table 40 Personal Charge Cards: Number of Cards in Circulation 2009-2014
  • Table 41 Personal Charge Cards Transactions: % Growth 2009-2014
  • Table 42 Personal Charge Cards in Circulation: % Growth 2009-2014
  • Table 43 Commercial Charge Cards Transactions 2009-2014
  • Table 44 Commercial Charge Cards: Number of Cards in Circulation 2009-2014
  • Table 45 Commercial Charge Cards Transactions: % Growth 2009-2014
  • Table 46 Commercial Charge Cards in Circulation: % Growth 2009-2014
  • Table 47 Charge Cards: Number of Cards by Issuer 2009-2013
  • Table 48 Charge Cards: Number of Cards by Operator 2009-2013
  • Table 49 Charge Cards Payment Transaction Value by Issuer 2009-2013
  • Table 50 Charge Cards Payment Transaction Value by Operator 2009-2013
  • Table 51 Personal Charge Cards: Number of Cards by Issuer 2009-2013
  • Table 52 Personal Charge Cards: Number of Cards by Operator 2009-2013
  • Table 53 Personal Charge Cards Transaction Value by Issuer 2009-2013
  • Table 54 Personal Charge Cards Transaction Value by Operator 2009-2013
  • Table 55 Commercial Charge Cards: Number of Cards by Issuer 2009-2013
  • Table 56 Commercial Charge Cards: Number of Cards by Operator 2009-2013
  • Table 57 Commercial Charge Cards Payment Transaction Value by Issuer 2009-2013
  • Table 58 Commercial Charge Cards Payment Transaction Value by Operator 2009-2013
  • Table 59 Forecast Charge Cards Transactions 2014-2019
  • Table 60 Forecast Charge Cards: Number of Cards in Circulation 2014-2019
  • Table 61 Forecast Charge Cards Transactions: % Growth 2014-2019
  • Table 62 Forecast Charge Cards in Circulation: % Growth 2014-2019
  • Table 63 Forecast Personal Charge Cards Transactions 2014-2019
  • Table 64 Forecast Personal Charge Cards: Number of Cards in Circulation 2014-2019
  • Table 65 Forecast Personal Charge Cards Transactions: % Growth 2014-2019
  • Table 66 Forecast Personal Charge Cards in Circulation: % Growth 2014-2019
  • Table 67 Forecast Commercial Charge Cards Transactions 2014-2019
  • Table 68 Forecast Commercial Charge Cards: Number of Cards in Circulation 2014-2019
  • Table 69 Forecast Commercial Charge Cards Transactions: % Growth 2014-2019
  • Table 70 Forecast Commercial Charge Cards in Circulation: % Growth 2014-2019

Credit Card Transactions in Poland - Category Analysis

HEADLINES

TRENDS

COMPETITIVE LANDSCAPE

PROSPECTS

CATEGORY DATA

  • Table 71 Credit Cards Transactions 2009-2014
  • Table 72 Credit Cards: Number of Cards in Circulation 2009-2014
  • Table 73 Credit Cards Transactions: % Growth 2009-2014
  • Table 74 Credit Cards in Circulation: % Growth 2009-2014
  • Table 75 Commercial Credit Cards Transactions 2009-2014
  • Table 76 Commercial Credit Cards: Number of Cards in Circulation 2009-2014
  • Table 77 Commercial Credit Cards Transactions: % Growth 2009-2014
  • Table 78 Commercial Credit Cards in Circulation: % Growth 2009-2014
  • Table 79 Personal Credit Cards Transactions 2009-2014
  • Table 80 Personal Credit Cards: Number of Cards in Circulation 2009-2014
  • Table 81 Personal Credit Cards Transactions: % Growth 2009-2014
  • Table 82 Personal Credit Cards in Circulation: % Growth 2009-2014
  • Table 83 Credit Cards: Number of Cards by Issuer 2009-2013
  • Table 84 Credit Cards: Number of Cards by Operator 2009-2013
  • Table 85 Credit Cards Payment Transaction Value by Issuer 2009-2013
  • Table 86 Credit Cards Payment Transaction Value by Operator 2009-2013
  • Table 87 Commercial Credit Cards: Number of Cards by Issuer 2009-2013
  • Table 88 Commercial Credit Cards: Number of Cards by Operator 2009-2013
  • Table 89 Commercial Credit Cards Payment Transaction Value by Issuer 2009-2013
  • Table 90 Commercial Credit Cards Payment Transaction Value by Operator 2009-2013
  • Table 91 Personal Credit Cards: Number of Cards by Issuer 2009-2013
  • Table 92 Personal Credit Cards: Number of Cards by Operator 2009-2013
  • Table 93 Personal Credit Cards Payment Transaction Value by Issuer 2009-2013
  • Table 94 Personal Credit Cards Payment Transaction Value by Operator 2009-2013
  • Table 95 Forecast Credit Cards Transactions 2014-2019
  • Table 96 Forecast Credit Cards: Number of Cards in Circulation 2014-2019
  • Table 97 Forecast Credit Cards Transactions: % Growth 2014-2019
  • Table 98 Forecast Credit Cards in Circulation: % Growth 2014-2019
  • Table 99 Forecast Commercial Credit Cards Transactions 2014-2019
  • Table 100 Forecast Commercial Credit Cards: Number of Cards in Circulation 2014-2019
  • Table 101 Forecast Commercial Credit Cards Transactions: % Growth 2014-2019
  • Table 102 Forecast Commercial Credit Cards in Circulation: % Growth 2014-2019
  • Table 103 Forecast Personal Credit Cards Transactions 2014-2019
  • Table 104 Forecast Personal Credit Cards: Number of Cards in Circulation 2014-2019
  • Table 105 Forecast Personal Credit Cards Transactions: % Growth 2014-2019
  • Table 106 Forecast Personal Credit Cards in Circulation: % Growth 2014-2019

Debit Transactions in Poland - Category Analysis

HEADLINES

TRENDS

COMPETITIVE LANDSCAPE

PROSPECTS

CATEGORY DATA

  • Table 107 Debit Cards Transactions 2009-2014
  • Table 108 Debit Cards: Number of Cards in Circulation 2009-2014
  • Table 109 Debit Cards Transactions: % Growth 2009-2014
  • Table 110 Debit Cards in Circulation: % Growth 2009-2014
  • Table 111 Debit Cards: Number of Cards by Issuer 2009-2013
  • Table 112 Debit Cards: Number of Cards by Operator 2009-2013
  • Table 113 Debit Cards Payment Transaction Value by Issuer 2009-2013
  • Table 114 Debit Cards Payment Transaction Value by Operator 2009-2013
  • Table 115 Forecast Debit Cards Transactions 2014-2019
  • Table 116 Forecast Debit Cards: Number of Cards in Circulation 2014-2019
  • Table 117 Forecast Debit Cards Transactions: % Growth 2014-2019
  • Table 118 Forecast Debit Cards in Circulation: % Growth 2014-2019

Pre-Paid Transactions in Poland - Category Analysis

HEADLINES

TRENDS

COMPETITIVE LANDSCAPE

PROSPECTS

CATEGORY DATA

  • Table 119 Pre-paid Cards Transactions 2009-2014
  • Table 120 Pre-paid Cards: Number of Cards in Circulation 2009-2014
  • Table 121 Pre-paid Cards Transactions: % Growth 2009-2014
  • Table 122 Pre-paid Cards in Circulation: % Growth 2009-2014
  • Table 123 Closed Loop Pre-paid Cards Transactions 2009-2014
  • Table 124 Closed Loop Pre-paid Cards Transactions: % Growth 2009-2014
  • Table 125 Open Loop Pre-paid Cards Transactions 2009-2014
  • Table 126 Open Loop Pre-paid Cards Transactions: % Growth 2009-2014
  • Table 127 Pre-paid Cards: Number of Cards by Issuer 2009-2013
  • Table 128 Pre-paid Cards: Number of Cards by Operator 2009-2013
  • Table 129 Pre-paid Cards Transaction Value by Issuer 2009-2013
  • Table 130 Pre-paid Cards Transaction Value by Operator 2009-2013
  • Table 131 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2009-2013
  • Table 132 Closed Loop Pre-paid Cards: Number of Cards by Operator 2009-2013
  • Table 133 Closed Loop Pre-paid Cards Transaction Value by Issuer 2009-2013
  • Table 134 Closed Loop Pre-paid Cards Transaction Value by Operator 2009-2013
  • Table 135 Open Loop Pre-paid Cards: Number of Cards by Issuer 2009-2013
  • Table 136 Open Loop Pre-paid Cards: Number of Cards by Operator 2009-2013
  • Table 137 Open Loop Pre-paid Cards Transaction Value by Issuer 2009-2013
  • Table 138 Open Loop Pre-paid Cards Transaction Value by Operator 2009-2013
  • Table 139 Forecast Pre-paid Cards Transactions 2014-2019
  • Table 140 Forecast Pre-paid Cards: Number of Cards in Circulation 2014-2019
  • Table 141 Forecast Pre-paid Cards Transactions: % Growth 2014-2019
  • Table 142 Forecast Pre-paid Cards in Circulation: % Growth 2014-2019
  • Table 143 Forecast Closed Loop Pre-paid Cards Transactions 2014-2019
  • Table 144 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2014-2019
  • Table 145 Forecast Open Loop Pre-paid Cards Transactions 2014-2019
  • Table 146 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2014-2019

Store Card Transactions in Poland - Category Analysis

HEADLINES

TRENDS

COMPETITIVE LANDSCAPE

PROSPECTS

CATEGORY DATA

  • Table 147 Store Cards Transactions 2009-2014
  • Table 148 Store Cards: Number of Cards in Circulation 2009-2014
  • Table 149 Store Cards Transactions: % Growth 2009-2014
  • Table 150 Store Cards in Circulation: % Growth 2009-2014
  • Table 151 Store Cards: Number of Cards by Issuer 2009-2013
  • Table 152 Store Cards: Payment Transaction Value by Issuer 2009-2013
  • Table 153 Forecast Store Cards Transactions 2014-2019
  • Table 154 Forecast Store Cards: Number of Cards in Circulation 2014-2019
  • Table 155 Forecast Store Cards Transactions: % Growth 2014-2019
  • Table 156 Forecast Store Cards in Circulation: % Growth 2014-2019

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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