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ORIGINAL ARTICLE
MIGRATION OF THE BANKING SECTOR TO DIGITAL BANKING IN POLAND
1
Institute of Economics and Finance, Warsaw University of Life Sciences-SGGW, Polska
Submission date: 2020-07-20
Publication date: 2020-09-29
Corresponding author
Sylwester Kozak
Institute of Economics and Finance, Warsaw University of Life Sciences-SGGW, Nowoursynowska 166, 02-787, Warszawa, Polska
Institute of Economics and Finance, Warsaw University of Life Sciences-SGGW, Nowoursynowska 166, 02-787, Warszawa, Polska
Economic and Regional Studies 2020;13(3):284–294
KEYWORDS
TOPICS
ABSTRACT
Subject and purpose of work: The aim of the article is to present selected aspects of the digitization
process of the banking sector in Poland, including the role of the digital channel in the sale of banking products. Materials and methods: The research is of comparative character and is based on data from the
financial website PRNews.pl, NBP, KNF and the ECB Bank. Results: Mobile banking in Poland is highly concentrated. In 2016-2019, the five largest banks serviced
82% of all mobile banking customers, and their number increased by 27% annually. Conclusions: Digitization simplifies the process of obtaining and processing information and contributes
to reducing operating costs. However it also forces banks to prepare appropriate security and implement costly technological investments. It increases the availability and quality of banking services, and moves customer service from banking branches to the digital channel. Additionally it contributes to reducing the network of branches and the number of employees employed in them.
PEER REVIEW INFORMATION
Article has been screened for originality
iThenticate
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Digitalization of Economic and Regional Studies/ Studia Ekonomiczne i Regionalne – task financed under the agreement No. 819/P-DUN/2018 by the Minister of Science and Higher Education allocated to the activities of disseminating science.
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