Poland's payment market is growing rapidly. The total number of payments exceeded 5.6 billion as of 2016 and it is estimated to top 6.4 billion in 2017. Most transactions executed in Poland involve payment cards and the share of cards in total payments exceeded 57%, corresponding to over 3.2 billion transactions in 2016. The fast growth in card transactions could be attributed to increasing frequency in card use and a gradual displacement of cash.
Outlook
The growth in payment volumes in Poland is likely to continue as will the role of cards in overall payments. Thanks to the proliferation of POS terminals and alternative payment solutions, in particular, in sectors where they have not been applied before, e.g. in public administration, the Post Office, local authorities and in smallest stores etc, cash will continue to be displaced. Assuming that no change in current trends will occur, the total volume of payments in Poland is likely to reach 10 billion transactions within next five years.
Executive Summary 1. Payments in Poland and in Europe Slide 1: Consumer markets in Europe, 2016
Slide 2: Total payments in Poland, structure by type, 2012-2016
Slide 3: Total payments: Europe vs. Poland, structure by type, 2016
Slide 4: Card payment volumes in Europe & in Poland (1/2), 2014-2016
Slide 5: Card payment volumes in Europe & in Poland (2/2), 2016
2. Payments and payment infrastructure in Poland Slide 6: Card payments in Poland, 2012-2017F
Slide 7: POS infrastructure evolution in Poland, 2012-2017F
Slide 8: Cards/terminals in Poland by functionality, 2Q2015-2Q2017
Slide 9: ATM networks in Poland, 2012-2017H1
Slide 10: ATM cash withdrawals in Poland, 2012-2017F
Slide 11: Cash in circulation and interest rates in Poland, 2012-2017H1
Slide 12: Cards issued in Poland, 2012-2017H1, split by type & brand, 2017Q1
Slide 13: Top payment card issuers in Poland, H1 2017
Slide 14: Automated Clearing House (ACH) systems in Poland; Transaction volumes: ELIXIR, Express ELIXIR, SORBNET2, BlueCash, BLIK, 2012-2016
Slide 15: Evolution of mobile payments in Poland – Global pays
Slide 16: Overview of mobile payments in Poland by origin of funds, 2017
Slide 17: Key players in payment applications/wallets in Poland, 2017
Slide 18: Poland - retail payment services landscape, 2017
Slide 19: HCE-NFC users evolution, key banks in HCE NFC, 2015-2017Q2
Slide 20: PSD2 and its implementation in Poland
Slide 21: PSD2 and its expected impact in Poland by stakeholder type
Slide 22: Total payments in Poland, forecast for 2022
3. Retail landscape (merchants) and payment methods Slide 23: Brick&mortar (b&m) vs. online retail landscape, 2015-2017
Slide 24: Key payments methods available in B&M and in online retail, 2017
Slide 25: Survey on payment methods in 72 large online stores, Oct. 2017
Slide 26: Online merchants & payment methods– case (1/3): Allegro
Slide 27: Online merchants & payment methods– case (2/3): RTVEuroAGD
Slide 28: Online merchants & payment methods– case (3/3): empik.com
Slide 29: Key players in specialized mobile payments (parking, public / municipal transportation, regional railways), 2017
Slide 30: Use of payment cards as tickets in public transport
Slide 31: Block chain technology & bitcoin in Poland: Exchanges, bitcoin acquirers, merchants, 2017
4. Key players by segment Slide 32: Mobile payment schemes (1/2): BLIK
Slide 33: Mobile payment schemes (2/2): PeoPay
Slide 34: Digital wallets (1/3): MasterPass
Slide 35: Digital wallets (2/3): VISA Checkout
Slide 36: Digital wallets (3/3): Android Pay
Slide 37: Payment aggregators (1/3): PayU
Slide 38: Payment aggregators (2/3): Przelewy 24
Slide 39: Payment aggregators (3/3): Dotpay/eCard
Slide 40: Digital wallet with hybrid funding: PayPal
Slide 41: Payment gate for ACH-based pay-by-links: Paybynet
Appendix: Directory of firms mentioned in the report End of report.
Payments in Poland, 2017
