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Store Cards in Poland

November 2020
USD 990
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Overview:

Understand the latest market trends and future growth opportunities for the Store Card Transactions industry in Poland with research from Euromonitor International's team of in-country analysts – experts by industry and geographic specialisation.

Key trends are clearly and succinctly summarised alongside the most current research data available. Understand and assess competitive threats and plan corporate strategy with our qualitative analysis, insight and confident growth projections.

If you're in the Store Card Transactions industry in Poland, our research will help you to make informed, intelligent decisions; to recognise and profit from opportunity, or to offer resilience amidst market uncertainty.

The Store Card Transactions in Poland report includes:

  • Analysis of key supply-side and demand trends
  • Detailed segmentation of international and local products
  • Historic volume and value sizes, company and brand market shares
  • Five year forecasts of market trends and market growth
  • Robust and transparent research methodology, conducted in-country

This report answers:

  • What is the market size of Store Card Transactions in Poland?
  • What are the major trends key to understanding Store Card Transactions in Poland?
  • How has COVID-19, recession and macroeconomic volatility impacted the market?
  • How long will the market take to recover? What are the opportunities now?
  • How will political context and shifting cultural values shape future growth?
  • Where is future growth expected to be most dynamic?

Charge Cards in Poland - Category analysis

Charge Cards in Poland - Company Profile

KEY DATA FINDINGS

2020 IMPACT

Pandemic and subsequent lockdown reduces overall usage of charge cards for travel and related expenses in 2020
Commercial charge cards dominated by fuel and fleet cards in Poland
PKN Orlen remains leading issuer and operator of charge cards in 2020

RECOVERY AND OPPORTUNITIES

Demand for personal charge cards predicted to continue declining, with main appeal linked to affluent consumers
Tentative recovery predicted for the dominant commercial charge cards in 2021
Diners Club likely to remain a niche product overall, but continues to expand its services to offer innovation and greater convenience

CATEGORY DATA

Table 1 Charge Cards: Number of Cards in Circulation 2015-2020 Table 2 Charge Cards Transactions 2015-2020 Table 3 Charge Cards in Circulation: % Growth 2015-2020 Table 4 Charge Cards Transactions: % Growth 2015-2020 Table 5 Commercial Charge Cards: Number of Cards in Circulation 2015-2020 Table 6 Commercial Charge Cards Transactions 2015-2020 Table 7 Commercial Charge Cards in Circulation: % Growth 2015-2020 Table 8 Commercial Charge Cards Transactions: % Growth 2015-2020 Table 9 Personal Charge Cards: Number of Cards in Circulation 2015-2020 Table 10 Personal Charge Cards Transactions 2015-2020 Table 11 Personal Charge Cards in Circulation: % Growth 2015-2020 Table 12 Personal Charge Cards Transactions: % Growth 2015-2020 Table 13 Charge Cards: Number of Cards by Issuer 2015-2019 Table 14 Charge Cards: Number of Cards by Operator 2015-2019 Table 15 Charge Cards Payment Transaction Value by Issuer 2015-2019 Table 16 Charge Cards Payment Transaction Value by Operator 2015-2019 Table 17 Commercial Charge Cards: Number of Cards by Issuer 2015-2019 Table 18 Commercial Charge Cards: Number of Cards by Operator 2015-2019 Table 19 Commercial Charge Cards Payment Transaction Value by Issuer 2015-2019 Table 20 Commercial Charge Cards Payment Transaction Value by Operator 2015-2019 Table 21 Personal Charge Cards: Number of Cards by Issuer 2015-2019 Table 22 Personal Charge Cards: Number of Cards by Operator 2015-2019 Table 23 Personal Charge Cards Transaction Value by Issuer 2015-2019 Table 24 Personal Charge Cards Transaction Value by Operator 2015-2019 Table 25 Forecast Charge Cards: Number of Cards in Circulation 2020-2025 Table 26 Forecast Charge Cards Transactions 2020-2025 Table 27 Forecast Charge Cards in Circulation: % Growth 2020-2025 Table 28 Forecast Charge Cards Transactions: % Growth 2020-2025 Table 29 Forecast Commercial Charge Cards: Number of Cards in Circulation 2020-2025 Table 30 Forecast Commercial Charge Cards Transactions 2020-2025 Table 31 Forecast Commercial Charge Cards in Circulation: % Growth 2020-2025 Table 32 Forecast Commercial Charge Cards Transactions: % Growth 2020-2025 Table 33 Forecast Personal Charge Cards: Number of Cards in Circulation 2020-2025 Table 34 Forecast Personal Charge Cards Transactions 2020-2025 Table 35 Forecast Personal Charge Cards in Circulation: % Growth 2020-2025 Table 36 Forecast Personal Charge Cards Transactions: % Growth 2020-2025

Credit Cards in Poland - Category analysis

Credit Cards in Poland - Company Profile

KEY DATA FINDINGS

2020 IMPACT

Caution over accruing debt by Poles and concerns amongst banks over customers’ ability to pay off credit during pandemic results in further decline in number of cards in circulation
Usage of credit cards declines with stronger drop witnessed by commercial credit cards due to reduced travel-related business opportunities during pandemic
Intensifying competition within credit cards, but PKO Bank Polski remains leading issuer in 2020

RECOVERY AND OPPORTUNITIES

Recovery predicted for credit cards from 2021 onwards with marginally stronger growth set for the commercial category in terms of transaction value and demand for cards
Fee waivers for customers who regularly use their credit cards will ensure lower average spend per transaction rather than accrue a greater amount of debt
“Anti-crisis shield” introduced by government as part of financial assistance does not include credit cards

CATEGORY DATA

Table 37 Credit Cards: Number of Cards in Circulation 2015-2020 Table 38 Credit Cards Transactions 2015-2020 Table 39 Credit Cards in Circulation: % Growth 2015-2020 Table 40 Credit Cards Transactions: % Growth 2015-2020 Table 41 Commercial Credit Cards: Number of Cards in Circulation 2015-2020 Table 42 Commercial Credit Cards Transactions 2015-2020 Table 43 Commercial Credit Cards in Circulation: % Growth 2015-2020 Table 44 Commercial Credit Cards Transactions: % Growth 2015-2020 Table 45 Personal Credit Cards: Number of Cards in Circulation 2015-2020 Table 46 Personal Credit Cards Transactions 2015-2020 Table 47 Personal Credit Cards in Circulation: % Growth 2015-2020 Table 48 Personal Credit Cards Transactions: % Growth 2015-2020 Table 49 Credit Cards: Number of Cards by Issuer 2015-2019 Table 50 Credit Cards: Number of Cards by Operator 2015-2019 Table 51 Credit Cards Payment Transaction Value by Issuer 2015-2019 Table 52 Credit Cards Payment Transaction Value by Operator 2015-2019 Table 53 Commercial Credit Cards: Number of Cards by Issuer 2015-2019 Table 54 Commercial Credit Cards: Number of Cards by Operator 2015-2019 Table 55 Commercial Credit Cards Payment Transaction Value by Issuer 2015-2019 Table 56 Commercial Credit Cards Payment Transaction Value by Operator 2015-2019 Table 57 Personal Credit Cards: Number of Cards by Issuer 2015-2019 Table 58 Personal Credit Cards: Number of Cards by Operator 2015-2019 Table 59 Personal Credit Cards Payment Transaction Value by Issuer 2015-2019 Table 60 Personal Credit Cards Payment Transaction Value by Operator 2015-2019 Table 61 Forecast Credit Cards: Number of Cards in Circulation 2020-2025 Table 62 Forecast Credit Cards Transactions 2020-2025 Table 63 Forecast Credit Cards in Circulation: % Growth 2020-2025 Table 64 Forecast Credit Cards Transactions: % Growth 2020-2025 Table 65 Forecast Commercial Credit Cards: Number of Cards in Circulation 2020-2025 Table 66 Forecast Commercial Credit Cards Transactions 2020-2025 Table 67 Forecast Commercial Credit Cards in Circulation: % Growth 2020-2025 Table 68 Forecast Commercial Credit Cards Transactions: % Growth 2020-2025 Table 69 Forecast Personal Credit Cards: Number of Cards in Circulation 2020-2025 Table 70 Forecast Personal Credit Cards Transactions 2020-2025 Table 71 Forecast Personal Credit Cards in Circulation: % Growth 2020-2025 Table 72 Forecast Personal Credit Cards Transactions: % Growth 2020-2025

Debit Cards in Poland - Category analysis

Debit Cards in Poland - Company Profile

KEY DATA FINDINGS

2020 IMPACT

Emergence of pandemic supports further demand for debit cards and an increase in the limit spend on contactless payments in further move away from cash transactions
Increase in online purchases during pandemic but card fraud concerns support other digital payment options
Smaller financial institutions gain share from leading issuer PKO Bank Polski

RECOVERY AND OPPORTUNITIES

Average spend per transaction set to decline over the forecast period but debit cards still set to record positive performance overtaking cash as preferred payment method
Unbanked population leaves room for further uptake of debit cards over forecast period
Contactless debit cards to further support transportation schemes including Mennica Polska’s season tickets

CATEGORY DATA

Table 73 Debit Cards: Number of Cards in Circulation 2015-2020 Table 74 Debit Cards Transactions 2015-2020 Table 75 Debit Cards in Circulation: % Growth 2015-2020 Table 76 Debit Cards Transactions: % Growth 2015-2020 Table 77 Debit Cards: Number of Cards by Issuer 2015-2019 Table 78 Debit Cards: Number of Cards by Operator 2015-2019 Table 79 Debit Cards Payment Transaction Value by Issuer 2015-2019 Table 80 Debit Cards Payment Transaction Value by Operator 2015-2019 Table 81 Forecast Debit Cards: Number of Cards in Circulation 2020-2025 Table 82 Forecast Debit Cards Transactions 2020-2025 Table 83 Forecast Debit Cards in Circulation: % Growth 2020-2025 Table 84 Forecast Debit Cards Transactions: % Growth 2020-2025

Pre-Paid Cards in Poland - Category analysis

Pre-Paid Cards in Poland - Company Profile

KEY DATA FINDINGS

2020 IMPACT

Dominance of transportation cards within closed loop pre-paid results in notable declines across category in 2020 due to COVID-19 and subsequent lockdown
Open loop pre-paid cards driven by business demand experience declines due to work from home policies during lockdown
Fintech Revolut makes further impressive share gain within open loop pre-paid cards

RECOVERY AND OPPORTUNITIES

Path to recovery not expected for open loop pre-paid cards until 2022 due to ongoing restrictions and work from home policies
Brief recovery for closed loop pre-paid cards in 2021 but longer-term decline is predicted
Increases and commissions likely to be introduced as companies struggle to maintain profits following pandemic

CATEGORY DATA

Table 85 Pre-paid Cards: Number of Cards in Circulation 2015-2020 Table 86 Pre-paid Cards Transactions 2015-2020 Table 87 Pre-paid Cards in Circulation: % Growth 2015-2020 Table 88 Pre-paid Cards Transactions: % Growth 2015-2020 Table 89 Closed Loop Pre-paid Cards Transactions 2015-2020 Table 90 Closed Loop Pre-paid Cards Transactions: % Growth 2015-2020 Table 91 Open Loop Pre-paid Cards Transactions 2015-2020 Table 92 Open Loop Pre-paid Cards Transactions: % Growth 2015-2020 Table 93 Pre-paid Cards: Number of Cards by Issuer 2015-2019 Table 94 Pre-paid Cards: Number of Cards by Operator 2015-2019 Table 95 Pre-paid Cards Transaction Value by Issuer 2015-2019 Table 96 Pre-paid Cards Transaction Value by Operator 2015-2019 Table 97 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2015-2019 Table 98 Closed Loop Pre-paid Cards: Number of Cards by Operator 2015-2019 Table 99 Closed Loop Pre-paid Cards Transaction Value by Issuer 2015-2019 Table 100 Closed Loop Pre-paid Cards Transaction Value by Operator 2015-2019 Table 101 Open Loop Pre-paid Cards: Number of Cards by Issuer 2015-2019 Table 102 Open Loop Pre-paid Cards: Number of Cards by Operator 2015-2019 Table 103 Open Loop Pre-paid Cards Transaction Value by Issuer 2015-2019 Table 104 Open Loop Pre-paid Cards Transaction Value by Operator 2015-2019 Table 105 Forecast Pre-paid Cards: Number of Cards in Circulation 2020-2025 Table 106 Forecast Pre-paid Cards Transactions 2020-2025 Table 107 Forecast Pre-paid Cards Transactions: % Growth 2020-2025 Table 108 Forecast Closed Loop Pre-paid Cards Transactions 2020-2025 Table 109 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2020-2025 Table 110 Forecast Open Loop Pre-paid Cards Transactions 2020-2025 Table 111 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2020-2025

Store Cards in Poland - Category analysis

Store Cards in Poland - Company Profile

2020 IMPACT

Financial Cards and Payments in Poland - Industry Overview

EXECUTIVE SUMMARY

COVID-19 impact on consumer payments
COVID-19 country impact
Consumer reluctance to accrue further debt inhibiting growth for credit cards while government launches range of financial support programmes
Digital payments given a boost during the pandemic as consumers move online
PKO Bank Polski remains leading issuer of financial cards but comes under increasing pressure from dynamic fintechs
What next for consumer payments?

MARKET INDICATORS

Table 112 Number of POS Terminals: Units 2015-2020 Table 113 Number of ATMs: Units 2015-2020 Table 114 Value Lost to Fraud 2015-2020 Table 115 Card Expenditure by Location 2020 Table 116 Financial Cards in Circulation by Type: % Number of Cards 2015-2020 Table 117 Domestic versus Foreign Spend 2020

MARKET DATA

Table 118 Financial Cards by Category: Number of Cards in Circulation 2015-2020 Table 119 Financial Cards by Category: Number of Accounts 2015-2020 Table 120 Financial Cards Transactions by Category: Value 2015-2020 Table 121 Financial Cards by Category: Number of Transactions 2015-2020 Table 122 Consumer Payments by Category: Value 2015-2020 Table 123 Consumer Payments by Category: Number of Transactions 2015-2020 Table 124 M-Commerce by Category: Value 2015-2020 Table 125 M-Commerce by Category: % Value Growth 2015-2020 Table 126 Financial Cards: Number of Cards by Issuer 2015-2019 Table 127 Financial Cards: Number of Cards by Operator 2015-2019 Table 128 Financial Cards: Card Payment Transactions Value by Operator 2015-2019 Table 129 Financial Cards: Card Payment Transactions Value by Issuer 2015-2019 Table 130 Forecast Financial Cards by Category: Number of Cards in Circulation 2020-2025 Table 131 Forecast Financial Cards by Category: Number of Accounts 2020-2025 Table 132 Forecast Financial Cards Transactions by Category: Value 2020-2025 Table 133 Forecast Financial Cards by Category: Number of Transactions 2020-2025 Table 134 Forecast Consumer Payments by Category: Value 2020-2025 Table 135 Forecast Consumer Payments by Category: Number of Transactions 2020-2025 Table 136 Forecast M-Commerce by Category: Value 2020-2025 Table 137 Forecast M-Commerce by Category: % Value Growth 2020-2025

DISCLAIMER

GLOBAL MACROECONOMIC ENVIRONMENT

GLOBAL INDUSTRY ENVIRONMENT

SOURCES

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  • Gain competitive intelligence about market leaders
  • Track key industry trends, opportunities and threats
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This report originates from Passport, our Store Card Transactions research and analysis database.

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