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Perspektywy rozwoju mobilnych płatności NFC na rynku polskim

100%
Polasik M.
Annales Universitatis Mariae Curie-Skłodowska, sectio H – Oeconomia
|
2014
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vol. 48
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issue 4
EN
The purpose of the paper is to assess the perspectives of the NFC mobile payments development in the retail transactions performed in the physical POS. The article presents the classification of mo- bile payment and determines the role of the NFC technology. The state of the NFC mobile payments development and the contactless acceptance network in Poland has been presented. The author assessed the prospects of NFC mobile payments, based on the results of survey study covering card issuers, acquirers and telecoms. The problem of the business model for NFC mobile wallets and barriers to the development of this technology for the Polish market were analysed.
PL
Artykuł nie zawiera abstraktu w języku polskim
2
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Skutki obniżenia opłaty interchange na polskim rynku kart płatniczych

63%
Polasik M., Maciejewski K.
Annales Universitatis Mariae Curie-Skłodowska, sectio H – Oeconomia
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2017
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vol. 51
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issue 6
EN
The aim of the article is to present the functioning model of the interchange fee and its regulatory reduction process as well as to assess the preliminary impact of this reduction on the Polish card market. The research showed a significant acceleration in the development of POS terminals network and a faster increase in the value of cashless transactions. Furthermore, there has been no significant increase in the fees for customers. Contrary to fears, the regulation has not hampered innovation in the Polish banking sector, but rather has contributed to the development of new payment solutions, including mobile payments. However, in order to assess the full effects of the regulation, a long-term perspective should be applied.
PL
Celem artykułu jest przedstawienie mechanizmu funkcjonowania opłaty interchange i procesu jej regulacyjnego obniżenia oraz dokonanie oceny jego pierwszych skutków dla rynku kart płatniczych w Polsce. Przeprowadzone badania wykazały, że doszło do znaczącego przyspieszenia rozwoju sieci terminali POS akceptujących karty i jednocześnie szybszego wzrostu wartości transakcji bezgotówkowych z użyciem tego instrumentu. Nie zaobserwowano także znaczącego wzrostu opłat dla klientów. Wbrew obawom regulacja ta nie doprowadziła do zahamowania innowacyjności polskiego sektora bankowego, a raczej przyczyniła się do poszukiwania i rozwoju nowych technologii płatniczych, w tym płatności mobilnych. Pełne rezultaty procesu regulacji będą jednak możliwe do oceny w dłuższej perspektywie czasowej.
3
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Waluta wirtualna bitcoin z perspektywy oferentów internetowych – analiza wstępna

51%
Polasik M., Piotrowska A., Kotkowski R.
Nauki o Finansach
|
2013
|
issue 4 (17)
130-143
EN
This paper concerns a problem of the usage of virtual currency Bitcoin in e-commerce and donations for non-profit organizations. The aim of the work is to determine the characteristics of the legal businesses accepting Bitcoin, applied methods of acceptance and the share of Bitcoin in the total value of sales. Empirical results are based on the survey study, which included 111 online vendors from 35 countries. The obtained results allowed to determine the range of acceptance of Bitcoin worldwide and to recognize vendors, including such factors as business profile, location, industry, geographical coverage and the scale of its operations. The results proved that payment integrators played a very important role in the processing of Bitcoin payments. At the same time, however, there was observed a little interest from customers for using Bitcoin for payments.
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