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  5. > Poland's Cards and Payments Industry: Emerging Opportunities, Trends, Size, Drivers, Strategies, Products and Competitive Landscape

Synopsis

The report provides top-level market analysis, information and insights on Poland’s cards and payments industry, including:
• Current and forecast values for each category of the Poland’s cards and payments industry including debit cards, credit cards, prepaid cards and charge cards.
• Comprehensive analysis of the industry’s market attractiveness and future growth areas.
• Analysis of various market drivers and regulations governing Poland’s cards and payments industry.
• Detailed analysis of the marketing strategies adopted for selling debit, credit, charge and prepaid cards used by various bankers and other institutions in the market.
• Comprehensive analysis of consumer attitude and their buying preferences for cards.
• Competitive landscape of Poland’s cards and payments industry.







Summary

The Polish card payments channel grew positively during the review period (2008–2012) at a compound annual growth rate (CAGR) of 3.59%, and is expected to continue to do so over the forecast period (2013–2017) at a CAGR of 4.87%. The review period saw declines in the credit and charge card categories that are expected to continue at lesser rates over the forecast period. Prepaid cards in circulation display huge potential for forecast-period growth, and are forecast to record a CAGR of 17.00%. The value of transactions made through credit and charge cards is very low compared to transactions through debit cards, reflecting the general aversion of Polish consumers to credit-fueled spending.
The credit card category declined at a review-period CAGR of -9.00%, and this is expected to continue over the forecast period. The value of transactions made through credit cards was also very small compared to debit and prepaid cards, and the decline in the number of cards reflects the tendency of Polish customers to avoid credit. In terms of transaction value, the credit cards category increased at a review-period CAGR of 4.56%, from PLN26.9 billion (US$11.2 billion) in 2008 to PLN32.1 billion (US$9.9 billion) in 2012. The value of transactions through credit cards is, however, expected to grow at a CAGR of 5.26% over the forecast period, primarily due to increased online payments and reductions in interchange fees in the country.


Scope

• This report provides a comprehensive analysis of Poland’s cards and payments industry.
• It provides current value for Poland’s cards and payments industry for the year 2012 and forecast figure for the year 2017.
• It details the different macroeconomic, infrastructural, consumer and business drivers affecting Poland’s cards and payments industry.
• It outlines current regulatory framework in the industry.
• It details the marketing strategies used by various bankers and other institutions.
• It profiles the major banks in Poland’s cards and payments industry.







Reasons To Buy

• Make strategic business decisions using top-level historic and forecast market data related to Poland’s cards and payments industry and each market within it.
• Understand the key market trends and growth opportunities within Poland’s cards and payments industry.
• Assess the competitive dynamics in Poland’s cards and payments industry.
• Gain insights in to the marketing strategies used for selling various types of cards in Poland’s market.
• Gain insights into key regulations governing Poland’s cards and payment industry.








Key Highlights

• The Polish card payments channel grew positively during the review period (2008–2012) at a compound annual growth rate (CAGR) of 3.59%, and is expected to continue to do so over the forecast period (2013–2017) at a CAGR of 4.87%. The Polish card payments channel is growing rapidly and becoming more competitive every year, with banks and card issuing companies now forced to offer more attractive products to retain their market positions. Significantly, the emergence of highly secure payment gateways increased public confidence in payment cards, and had a positive impact on the overall market development.
• The emergence of digital banking is expected to encourage online card transactions through mobile and e-commerce. Digital banks target online customers and combine platforms such as social networking and retail sites to facilitate payments.
• The growth of contactless payments has expanded the potential for card-based payments in Poland. Contactless cards introduced by MasterCard PayPass and Visa encouraged card-based transactions in retail outlets. Contactless terminals are being installed in public transport networks, colleges and parking lots, and contactless payments are also expected to be extended to public service points.
• The spread of contactless terminals in public transport networks enhanced their use by daily commuters. The contactless-enabled ticket vending machines have been initiated with the spread to the transport networks of Warsaw. Contactless ticketing machines were installed in 2012 for the Uefa Euro 2012 football championship. Payment terminals were installed in buses and trams, and were designed to accept payments up to US$15.

Table Of Contents

Poland's Cards and Payments Industry: Emerging Opportunities, Trends, Size, Drivers, Strategies, Products and Competitive Landscape
1 Executive Summary
2 Analysis of Market Environment, Key Trends and Drivers
2.1 Payment Infrastructure and Emerging Technologies
2.1.1 ATMs
2.1.2 POS terminals
2.1.3 Internet penetration
2.1.4 Near-field communication (NFC) platforms in smartphones
2.1.5 Contactless payments
2.1.6 Mobile payments
2.2 Business Drivers
2.2.1 Growth in retail industry
2.2.2 Social gifting firms
2.2.3 Virtual payment cards
2.2.4 Digital banks
2.2.5 Customized contactless fan cards
2.2.6 Contactless payments in transport networks
2.2.7 Growth of e-commerce
2.3 Economic Drivers
2.3.1 Stable GDP
2.3.2 Inflation
2.3.3 GDP per capita
3 Cards and Payments Industry Share Analysis
3.1 Industry Overview
3.1.1 Cash
3.1.2 Checks
3.1.3 Card payments
3.1.4 Credit transfer
3.1.5 Direct debit
4 Regulatory Framework and Card Fraud Statistics
4.1 Regulatory Framework
4.1.1 Rules under the Electronic Payments Instruments Act, 2002
4.1.2 Prospective regulatory standards in Poland's cards and payments industry
4.1.3 Anti-money laundering legislation and customer due diligence (CDD)
4.1.4 Foreign direct investment (FDI) regulations
4.2 Card Fraud Statistics
4.2.1 Card-not-present fraud
4.2.2 Counterfeit cards
4.2.3 Card ID theft
4.2.4 Cards lost or stolen
5 Emerging Consumer Attitudes and Trends
5.1 Industry Segmentation and Targeting
5.1.1 Retail segment
5.1.2 Corporate segment
5.2 Travel and Tourism Spending
5.2.1 Outbound tourist trips
5.2.2 Outbound tourist spending
5.3 Retail Card Spending
5.3.1 Analysis by product categories
5.3.2 Analysis by retail channels
6 Analysis of Card Payments and Growth Prospects
6.1 Channel Share Analysis by Card Category
6.2 Size and Forecast of the Card Payments Channel
6.2.1 Analysis by number of cards in circulation
6.2.2 Analysis by transaction value
7 Analysis of Credit Card Payments and Growth Prospects
7.1 Overall Category Size and Forecast
7.1.1 Analysis by number of cards in circulation
7.1.2 Analysis by transaction value
7.1.3 Analysis by transaction volume
7.2 Transaction Share Analysis by Channel
7.2.1 Analysis by transaction value
7.2.2 Analysis by transaction volume
7.3 Personal Credit Cards Sub-Category Size and Forecast
7.3.1 Analysis by number of cards in circulation
7.3.2 Analysis by transaction value
7.3.3 Analysis by transaction volume
7.4 Commercial Credit Cards Sub-Category Size and Forecast
7.4.1 Analysis by number of cards in circulation
7.4.2 Analysis by transaction value
7.4.3 Analysis by transaction volume
7.5 Competitive Landscape
7.5.1 Scheme share analysis
7.5.2 Issuer share analysis
8 Analysis of Debit Card Payments and Growth Prospects
8.1 Overall Category Size and Forecast
8.1.1 Analysis by number of cards in circulation
8.1.2 Analysis by transaction value
8.1.3 Analysis by transaction volume
8.2 Transaction Share Analysis by Channel
8.2.1 Analysis by transaction value
8.2.2 Analysis by transaction volume
8.3 Competitive Landscape
8.3.1 Scheme share analysis
8.3.2 Issuer share analysis
9 Analysis of Charge Card Payments and Growth Prospects
9.1 Overall Category Size and Forecast
9.1.1 Analysis by number of cards in circulation
9.1.2 Analysis by transaction value
9.1.3 Analysis by transaction volume
9.2 Transaction Share Analysis by Channel
9.2.1 Analysis by transaction value
9.2.2 Analysis by transaction volume
9.3 Personal Charge Cards Category Size and Forecast
9.3.1 Analysis by number of cards in circulation
9.3.2 Analysis by transaction value
9.3.3 Analysis by transaction volume
9.4 Commercial Charge Cards Sub-Category Size and Forecast
9.4.1 Analysis by number of cards in circulation
9.4.2 Analysis by transaction value
9.4.3 Analysis by transaction volume
9.5 Competitive Landscape
9.5.1 Scheme share analysis
10 Analysis of Prepaid Card Payments and Growth Prospects
10.1 Overall Category Size and Forecast
10.1.1 Analysis by number of cards in circulation
10.1.2 Analysis by transaction value
10.2 Open-Loop Prepaid Cards Segment Size and Forecast
10.2.1 Analysis by number of cards in circulation
10.2.2 Analysis by transaction value
10.3 Closed-Loop Prepaid Cards Segment Size and Forecast
10.3.1 Analysis by number of cards in circulation
10.3.2 Analysis by transaction value
11 Merchant Acquiring
11.1 Merchant Acquirers in Poland
12 Company Profiles of Card Issuers
12.1 PKO Bank Polski
12.1.1 Key financials
12.1.2 Card portfolio
12.1.3 Strategies
12.2 Bank Pekao SA
12.2.1 Key financials
12.2.2 Card portfolio
12.2.3 Strategies
12.3 ING BSK
12.3.1 Key financials
12.3.2 Card portfolio
12.3.3 Strategies
12.4 Bank Millennium
12.4.1 Key financials
12.4.2 Card portfolio
12.4.3 Strategies
12.5 BNP Paribas Bank Polska SA
12.5.1 Key financials
12.5.2 Card portfolio
12.5.3 Strategies
13 Appendix
13.1 Methodology
13.2 Contact Timetric
13.3 About Timetric
13.4 Timetric's Services
13.5 Definitions
13.6 Disclaimer

List of Tables

Table 1: Polish Payment Channels (PLN Billion), 2008-2012
Table 2: Market Entry Strategies of Foreign Banks in Poland
Table 3: Polish Card Fraud (PLN Million), 2008-2012
Table 4: Consumer Card Spending Product Category in Poland (PLN Million), 2012
Table 5: Polish Consumer Card Spending by Retail Channel (PLN Million), 2008-2012
Table 6: Polish Card Payments Channel by Card Category (Million), 2008-2017
Table 7: Polish Card Payments Channel Size by Number of Cards (Million), 2008-2017
Table 8: Polish Card Payments Channel Size by Transaction Value (PLN Billion), 2008-2017
Table 9: Polish Card Payments Channel Size by Transaction Value (US$ Billion), 2008-2017
Table 10: Polish Credit Cards Category Size by Number of Cards (Million), 2008-2017
Table 11: Polish Credit Cards Category Size by Transaction Value (PLN Billion), 2008-2017
Table 12: Polish Credit Cards Category Size by Transaction Value (US$ Billion), 2008-2017
Table 13: Polish Credit Cards Category Size by Transaction Volume (Million), 2008-2017
Table 14: Polish Personal Credit Cards Sub-Category Size by Number of Cards (Million), 2008-2017
Table 15: Polish Personal Credit Cards Sub-Category Size by Transaction Value (PLN Billion), 2008-2017
Table 16: Polish Personal Credit Cards Sub-Category Size by Transaction Value (US$ Billion), 2008-2017
Table 17: Polish Personal Credit Cards Sub-Category Size by Transaction Volume (Million), 2008-2017
Table 18: Polish Commercial Credit Cards Sub-Category Size by Number of Cards (Thousand), 2008-2017
Table 19: Polish Commercial Credit Cards Sub-Category Size by Transaction Value (PLN Billion), 2008-2017
Table 20: Polish Commercial Credit Cards Sub-Category Size by Transaction Value (US$ Million), 2008-2017
Table 21: Polish Commercial Credit Cards Sub-Category Size by Transaction Volume (Million), 2008-2017
Table 22: Polish Debit Cards Category Size by Number of Cards (Million), 2008-2017
Table 23: Polish Debit Cards Category Size by Transaction Value (PLN Billion), 2008-2017
Table 24: Polish Debit Cards Category Size by Transaction Value (US$ Billion), 2008-2017
Table 25: Polish Debit Cards Category Size by Transaction Volume (Billion), 2008-2017
Table 26: Polish Charge Cards Category Size by Number of Cards (Thousand), 2008-2017
Table 27: Polish Charge Cards Category Size by Transaction Value (PLN Billion), 2008-2017
Table 28: Polish Charge Cards Category Size by Transaction Value (US$ Billion), 2008-2017
Table 29: Polish Charge Cards Category Size by Transaction Volume (Million), 2008-2017
Table 30: Polish Personal Charge Cards Sub-Category Size by Number of Cards (Thousand), 2008-2017
Table 31: Polish Personal Charge Cards Sub-Category Size by Transaction Value (PLN Million), 2008-2017
Table 32: Polish Personal Charge Cards Sub-Category Size by Transaction Value (US$ Million), 2008-2017
Table 33: Polish Personal Charge Cards Sub-Category Size by Transaction Volume (Million), 2008-2017
Table 34: Polish Commercial Charge Cards Sub-Category Size by Number of Cards (Thousand), 2008-2017
Table 35: Polish Commercial Charge Cards Sub-Category Size by Transaction Value (PLN Million), 2008-2017
Table 36: Polish Commercial Charge Cards Sub-Category Size by Transaction Value (US$ Million), 2008-2017
Table 37: Polish Commercial Charge Cards Sub-Category Size by Transaction Volume (Million), 2008-2017
Table 38: Polish Prepaid Cards Category Size by Number of Cards (Million), 2008-2017
Table 39: Polish Prepaid Cards Category Size by Transaction Value (PLN Million), 2008-2017
Table 40: Polish Prepaid Cards Category Size by Transaction Value (US$ Million), 2008-2017
Table 41: Polish Open-Loop Prepaid Cards Segment Size by Number of Cards (Thousand), 2008-2017
Table 42: Polish Open-Loop Prepaid Cards Segment Size by Transaction Value (PLN Million), 2008-2017
Table 43: Polish Open-Loop Prepaid Cards Segment Size by Transaction Value (US$ Million), 2008-2017
Table 44: Polish Closed-Loop Prepaid Cards Segment Size by Number of Cards (Million), 2008-2017
Table 45: Polish Closed-Loop Prepaid Cards Segment Size by Transaction Value (PLN Million), 2008-2017
Table 46: Polish Closed-Loop Prepaid Cards Segment Size by Transaction Value (US$ Million), 2008-2017
Table 47: PKO Bank Polski Key Financial Indicators (PLN Million), 2011-2012
Table 48: PKO Bank Polski - Card Portfolio and Key Features
Table 49: Bank Pekao SA Key Financial Indicators (PLN Million), 2011-2012
Table 50: Bank Pekao SA - Card Portfolio and Key Features
Table 51: ING BSK Key Financial Indicators (PLN Million), 2011-2012
Table 52: ING BSK - Card Portfolio and Key Features
Table 53: Bank Millennium Key Financial Indicators (PLN Million), 2011-2012
Table 54: Bank Millennium - Card Portfolio and Key Features
Table 55: BNP Paribas Bank Polska SA Key Financial Indicators (PLN Million), 2011-2012
Table 56: BNP Paribas Bank Polska SA - Card Portfolio and Key Features
Table 57: Key Definitions

List of Figures

Figure 1: Benchmarking Polish Card Payments Channel Against Other Large Markets in the Region
Figure 2: Poland - Growth of Various Card Categories (%), 2008-2017
Figure 3: ATMs Penetration in Poland, 2008-2017
Figure 4: POS Terminals Penetration in Poland, 2008-2017
Figure 5: Poland - Internet Users per 100 Inhabitants, 2008-2012
Figure 6: Growth of Contactless Cards in Poland (Thousand), 2008-2012
Figure 7: Polish Value of M-Payments Growth (PLN Million), 2008-2017
Figure 8: Value of Retail Sales in Poland (PLN Billion), 2008-2012
Figure 9: GDP Growth in Poland (% Change), 2008-2017
Figure 10: Inflation Rates in Poland, (%), 2008-2017
Figure 11: GDP Per Capita in Poland (US$), 2008-2017
Figure 12: Shares of Different Payment Channels in Poland (%), 2008 and 2012
Figure 13: Polish Card Fraud (PLN Million), 2008 and 2012
Figure 14: Polish Card-not-Present Fraud Value (PLN Million), 2008-2012
Figure 15: Polish Counterfeit Cards Fraud Value (PLN Million), 2008-2012
Figure 16: Polish Card ID Theft Fraud Value (PLN Thousand), 2008-2012
Figure 17: Polish Lost or Stolen Cards Fraud Value (PLN Million), 2008-2012
Figure 18: Polish Cards and Payments Industry Segmentation by Card Type
Figure 19: Polish Outbound Tourist Trips (Thousand), 2008-2012
Figure 20: Polish Outbound Tourists Spending (PLN Million), 2008-2017
Figure 21: Retail Consumer Card Spending by Product Category in Poland (%), 2012
Figure 22: Retail Consumer Card Spending by Retail Channel in Poland (%), 2012
Figure 23: Polish Card Payments Channel by Card Category (%), 2008-2017
Figure 24: Polish Card Payments Channel Size by Volume of Cards (Million), 2008-2017
Figure 25: Polish Card Payments Channel Size by Transaction Value (PLN Billion), 2008-2017
Figure 26: Polish Credit Card Volume And Penetration, 2008-2017
Figure 27: Polish Credit Cards Category Size by Volume of Cards (Million), 2008-2017
Figure 28: Polish Credit Cards Category Size by Transaction Value (PLN Billion), 2008-2017
Figure 29: Polish Card Category Size by Transactions Volume (Million), 2008-2017
Figure 30: Polish Credit Card Transactions Value by Channel (PLN Billion), 2008-2017
Figure 31: Poland Credit Card Transaction Volume by Channel (Million), 2008-2017
Figure 32: Polish Personal Credit Cards Sub-Category Size by Volume of Cards (Million), 2008-2017
Figure 33: Polish Personal Credit Cards Sub-Category Size by Transaction Value (PLN Billion), 2008- 2017
Figure 34: Polish Personal Credit Cards Segment Size by Number of Transactions (Million), 2008-2017
Figure 35: Polish Commercial Credit Cards Sub-Category Size by Number of Cards (Thousand), 2008-2017
Figure 36: Polish Commercial Credit Cards Sub-Category Size by Transaction Value (PLN Million),
Figure 37: Polish Commercial Credit Cards Sub-Category Size by Transaction Volume (Million), 2008-2017
Figure 38: Polish Credit Cards Category Share by Scheme (%), 2012
Figure 39: Polish Credit Cards Category Share by Issuer (%), 2012
Figure 40: Polish Debit Card Volume and Penetration, 2008-2017
Figure 41: Polish Debit Card Category Size by Number of Cards (Million), 2008-2017
Figure 42: Polish Debit Cards Category Size by Transaction Value (PLN Billion), 2008-2017
Figure 43: Polish Debit Cards Category Size by Transaction Volume (Billion), 2008-2017
Figure 44: Polish Debit Cards Transaction Value by Channel (PLN Billion), 2008-2017
Figure 45: Polish Debit Cards Transaction Volume by Channel (Billion), 2008-2017
Figure 46: Polish Debit Cards Category Share by Scheme (%), 2012
Figure 47: Polish Debit Cards Category Share by Issuer (%), 2012
Figure 48: Polish Charge Card Volume and Penetration, 2008-2017
Figure 49: Polish Charge Cards Category Size by Number of Cards (Thousand), 2008-2017
Figure 50: Polish Charge Cards Category Size by Transaction Value (PLN Billion), 2008-2017
Figure 51: Polish Charge Cards Category Size by Transaction Volume (Million), 2008-2017
Figure 52: Polish Charge Cards Transaction Value by Channel (PLN Billion), 2008-2017
Figure 53: Polish Charge Cards Transaction Volume by Channel (Million), 2008-2017
Figure 54: Polish Personal Charge Cards Sub-Category Size by Number of Cards (Thousand), 2008-2017
Figure 55: Polish Personal Charge Cards Sub-Category Size by Transaction Value (PLN Million), 2008-2017
Figure 56: Polish Personal Charge Cards Sub-Category Size by Transaction Volume (Million), 2008-2017
Figure 57: Polish Commercial Charge Cards Sub-Category Size by Number of Cards (Thousand), 2008-2017
Figure 58: Polish Commercial Charge Cards Sub-Category Size by Transaction Value (PLN Million), 2008-2017
Figure 59: Polish Commercial Charge Cards Sub-Category Size by Transaction Volume (Million), 2008-2017
Figure 60: Polish Charge Cards Category Share by Scheme (%), 2012
Figure 61: Polish Prepaid Card Volume and Penetration, 2008-2017
Figure 62: Polish Prepaid Cards Category Size by Number of Cards (Million), 2008-2017
Figure 63: Polish Prepaid Cards Category Size by Transaction Value (PLN Million), 2008-2017
Figure 64: Polish Open-Loop Prepaid Cards Segment Size by Number of Cards (Thousand), 2008-2017
Figure 65: Polish Open-Loop Prepaid Cards Segment Size by Transaction Value (PLN Million), 2008-2017
Figure 66: Polish Closed-Loop Prepaid Cards Segment Size by Number of Cards (Million), 2008-2017
Figure 67: Polish Closed-Loop Prepaid Cards Segment Size by Transaction Value (PLN Million), 2008-2017
Figure 68: Merchant Acquirer Market Share in Poland (%), 2012

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