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The report is a comprehensive presentation of the development of the Polish retail payment market with a particular focus on the payment cards market. It is a unique study based on new, large-scale empirical research conducted among merchants and consumers. In order to analyse the results, the author used his knowledge and experience gained during many years of conducting research into the payment market in Poland and abroad.
The research enabled determining market sectors with the most extensive gap in card acceptance. It is there that efforts should be concentrated to develop the EFT-POS network. The influence of Interchange Fee reduction, projected to happen in 2014 under a legal regulation, was estimated. It also helped to identify the areas with considerable but untapped potential for card use and acceptance due to a large value of cash transactions. Moreover, the research specified segments of retail and service points of sale to whom new payment solutions, such as mPOS terminals, should be offered first.
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