Consumer Finance

Against the backdrop of double-digit inflation in Poland, employees are increasingly interested in non-wage benefits that can help mitigate the rising cost of living. Many companies are responding to this pressing need by expanding the range of…

Financial cards and payments in Poland is undergoing substantial change with the continued increase in non-cash transactions in 2023. Card operators are focused on providing access to a variety of payment methods so that the consumer and merchant can…

Debit cards have been gaining importance as a payment method in Poland since the COVID-19 pandemic, when many consumers switched to cashless transactions as a way of minimising the risk of coming into contact with the COVID-19 virus. In 2023, the…

The number of personal credit cards in circulation has been falling over the review period. Due to the high interest rates on credit cards, some consumers are paying off balances and closing credit card accounts. This trend can also be linked to the…

In 2023, Poland’s inflation rate remains in double-digits and many households are experiencing a deterioration in living conditions. The uncertain macroeconomic situation, high interest rates and the depreciation of real incomes has caused a slowdown…

In the face of economic slowdown, there has been a clear decline in private consumption in Poland. Banks have tightened lending criteria for all types of loans to protect their business revenues. At the start of 2023, the criteria for granting…

The post-pandemic return to normal lifestyles is helping to revive the charge card category, with transactions rising alongside the recovery in travel. Nevertheless, charge cards issued by banks continue to be infrequently utilised and the number in…

Consumer mobility is evolving as urbanisation, sustainability and growing technological savviness are driving demand for travel supported by dynamic payment solutions. Euromonitor International introduces the Digital Payments in Mobility Index to…

During 2022, there remained no store cards in circulation in Poland as the entire store cards concept is seen as obsolete and there are currently no issuers or operators with any interest in offering store cards to consumers. Previously, Sygma Bank…

Technological advances are creating unprecedented change across consumer-facing industries. The Digital Consumer Survey, fielded in March and April, offers insight into the pace and depth of this evolution, tracking consumer behaviour, attitudes,…