Search results

1

The Expansion of a Company’s Activity and the Interests of Local Government Units and Financial Institutions

100%

Kotlińska J., Kotliński G.

Barometr Regionalny. Analizy i prognozy

|

2018

|

issue 3(53)

145-156

EN

The development of business operations requires coordination of many activities undertaken by entities from various sectors of the economy. Among them, financial institutions and local governments play a significant role. The implementation of development plans of enterprises requires coordination of cooperation with them. During this process, the interests of all parties are reconciled so that the implementation of the plans becomes possible and beneficial. The aim of the study is to identify potential barriers and to set out possible levels of cooperation between companies that declare their intention to expand and their financial institutions and local government authorities, competent for the aims of development plans. The study contains observations and considerations of the authors, supported by a literature query in the field of the undertaken topic.

PL

Rozwój działalności przedsiębiorstw wymaga koordynacji wielu działań, podejmowanych przez podmioty z różnych sektorów gospodarki. Wśród nich istotną rolę odgrywają instytucje finansowe, jak i władze samorządowe. Realizacja zamierzeń rozwojowych przedsiębiorstw wymaga koordynacji współpracy z nimi. W trakcie tego procesu godzi się interesy wszystkich stron po to, aby realizacja zamierzeń stała się możliwa i korzystna. Celem opracowania jest wskazanie potencjalnych barier oraz wytyczenie możliwych płaszczyzn współpracy pomiędzy deklarującymi zamiary ekspansji przedsiębiorstwami a partnerującymi im instytucjami finansowymi oraz władzami samorządowymi, właściwymi ze względu na destynacje zgłaszanych zamierzeń rozwojowych. W opracowaniu zawarto obserwacje i rozważania autorów, wsparte kwerendą literatury z zakresu bliskiego podejmowanemu zagadnieniu.

2

“Every knock is a boost”. Cyber risk behaviour among Poles

100%

Cichowicz E., Iwanicz-Drozdowska M., Kurowski Ł.

Economics and Business Review

|

2021

|

vol. 7

|

issue 4

94-120

EN

The purpose of this study is to evaluate the safety of individuals’ behaviour in the cyber world, especially when using financial services. The article focuses on knowledge of cybersecurity issues, cyber risk awareness and respondents’ self-assessment as potential determinants of individual behaviour. The data obtained from a survey of a representative group of Polish citizens during the second wave of the COVID-19 pandemic was analysed. Ordinal logistic regression and instrumental variable analysis confirm the existence of a positive relationship between knowledge and awareness of cyber risk and safe behaviour in the cyber world. Older generations exhibit safer behaviour which may be linked to their life experience; however, the results do not confirm that experiencing a loss due to cyber risk convinces individuals to use Internet-based solutions in a safer manner. Therefore, educational campaigns should be expanded to include cyber risk issues and tailored to the needs of various users.

3

The Factoring Market in Poland and the European Union

100%

Włodarczyk B., Ostrowska A.

Olsztyn Economic Journal

|

2017

|

vol. 12

|

issue 3

307-319

EN

The service of factoring, thanks to the constant financing of receivables, prevents the creation of payment backlogs enabling the regulation of liabilities on time and, as a result, improves the financial liquidity of economic entities. It is thanks to the reasons mentioned above that the use of the service of factoring is bigger in Poland than in other countries of the EU. The aim of this article is an analysis of the factoring services in Poland with regards to the EU. Taking into consideration the meaning of factoring for the enterprise sector and the banking sector which finances it, an analysis and evaluation of the Polish factoring services market was made on the bases of factoring service profiles provided by clients and entities.Together with the dynamics of the development of companies and the range of the factoring services provided, the number of business entities choosing this service as an alternative to a revolving loan is growing. In the Polish market, the increase is not correlated with the size of a given region’s economy, but the number of enterprise entities.

4

Ewolucja rozwiązań rachunkowości jako determinanta rozwoju rynku specjalistycznych usług finansowych

100%

Świetla K.

Zeszyty Naukowe Uniwersytetu Ekonomicznego w Krakowie

|

2013

|

issue 901

145-158

EN

The article looks at the centuries-old history of accounting, from ancient times up to the modern conditions prevailing in the global economy. The impact of accounting on the economy and feedback are shown. The article also stresses the need for accounting to be harmonised and the individuals engaged in it to become specialised so as to ensure that the information being presented is credible and a true picture of the company is put forth. The author also discusses the increasingly common use of knowledge and the involvement of companies providing specialist services to promote the desired quality of information from accounting while also reducing the cost of acquiring that information.

5

Potrzeby a postrzeganie wartości detalicznych produktów finansowych w opinii studentów

100%

Fatuła D.

Zeszyty Naukowe Uniwersytetu Ekonomicznego w Krakowie

|

2011

|

issue 864

53-65

EN

The article discusses the specific character of financial needs, their placement in a hierarchy, and the evaluating of the characteristics of financial products. It presents research, conducted among groups of students, which links financial needs with the perception of the value of the products. The results indicate that a limited number of factors influence the perception of such value. These factors play a key role in satisfying (financial) security needs, setting the price of service and the variety of choice, which guarantees a better fit to clients’ individual needs.

6

A Model of Protecting Financial Service Clients in the UK

88%

ZAWADZKA P.

Central and Eastern European Journal of Management and Economics (CEEJME)

|

2017

|

issue No. 2

147-159

EN

The purpose of the paper is to describe changes occurring in the UK in consequence of the financial crisis with regard to protecting financial service customers, which prompts towards the answer to the question about the optimum protection model when it comes to protecting financial market customers. The author analyses whether regulations in use in the UK are sufficient to ensure cohesion between the public supervision of the financial market and customer protection. In practice, these value may be in opposition.

7

Adoption factors in digital lending services offered by FinTech lenders

88%

Adamek J., Solarz M.

Oeconomia Copernicana

|

2023

|

vol. 14

|

issue 1

169-212

EN

Research background: Traditional financial institutions are facing new competitors - FinTech lenders. The development of these entities and their services depends on many factors, including the level of their acceptance and use by potential and/or current customers. This acceptance determines the ability to create desired financial results and defines the set of FinTech lenders' activities and also their environment aimed at shaping the offer which meets their consumers' expectations. The limited number of studies addressing the identification and assessment of the impact exerted by the adoption factors of lending services offered by FinTech lenders and the lack of such analyzes relating to these decisions made by consumers from Central and Eastern Europe argue for the need to conduct such research. Purpose of the article: Identify factors driving consumers' adoption of digital lending services offered by FinTech lenders in Poland. Methods: Critical analysis of the source literature, descriptive and comparative analysis, diagnostic survey, econometric methods (PCA, SEM used in the TAM). Empirical data come from the surveys carried out in May 2022 using the CAWI method and covering a representative sample of 1,000 Poles. Findings & value added: The study identified factors driving consumers' adoption of digital lending services, including perceived trust, risk, usefulness and financial health. It has been proven that the perceived ease of use and innovation do not represent the statistically significant constructs influencing the accepted adoption attitudes. The adopted research model shows a considerable power to explain the intention of using digital loans. The article is the first scientific study of this type discussing the identification of adoption factors for loan services offered by FinTech lenders operating on the Central and Eastern European market. The presented example of Poland being the leader in this dynamically developing market provides the background for conducting international comparative studies in the future.

8

Re-export of Financial Services

88%

Lindemane M.

Equilibrium. Quarterly Journal of Economics and Economic Policy

|

2010

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vol. 5

|

issue 2

EN

The present article deals with the research of the concept of ‘re-export of financial services’ in banking, the examples of its practical expression and influence on economic processes. For theoretical formulation of the ‘re-export of financial services’ concept the author uses the method of inductive evidence to compare the concepts of export and re-export of goods and services, as well as analyzes historical information on the given subject. Special attention is paid to the comparison of ‘re-export of financial services’ with ‘re-export of capital’. The above mentioned research resulted in the author’s derivation of re-export theory. As practical examples of re-export of financial services the author quotes current schemes used by Latvian banks in their work with fast money transfers and with financial instruments trading on global markets. The article is completed by a disclosure and survey of positive and negative aspects of the influence of re-export, including financial services, on both subjects of economics and economy as a whole.

9

The Customer as a Subject of Protection on the Financial Market in European Union

88%

Cyman D.

Financial Law Review

|

2021

|

vol. 24

|

issue 4

43-54

EN

The crisis begun in 2007 exposed the weakness of the existing regulations, revealing challenges for legislators all over the world. Financial stability started to be understood as an essential value for the proper operation of the financial market. It has become important to address the question as to how to protect financial markets from more crises, or at least alleviate their effects. The idea of supervision of a financial market has undergone thorough transformation. Particular emphasis has been placed on protecting buyers of financial services. Adequate customer protection has been recognized as a sign of trust in the market and its stability and has gained systemic importance and relevance for the European financial system. There is a growing tendency to enlarge the group of subjects eligible for special protection. it is becoming an increasingly common idea that not only consumers but all non-professional customers should be protected. The idea is becoming widespread that the weaker party to a legal transaction can be not only a consumer [natural person] but also a non-professional market entity. Such a solution is certainly appropriate. Narrowing down the ‘consumer’ to a natural person may seem artificial and out of line with market realities, not to mention the serious consequences of bad financial decisions taken by non- professional financial market participants. Another important challenge facing the modern financial market is to establish a system of institutional safeguards to ensure security for all market entities and to enforce fair play rules. However, even the best provisions of substantive law, though necessary, may prove to fall short. Therefore, there is a pressing need for strong and competent both state and international institutions duly equipped with auditing and supervisory powers to deal with the present situation. They should also have the possibility of enforcing substantive laws in a way that allows for flexible responses to any emerging threat to the protected values. The shift towards a regulatory and supervisory method of protection sets a more serious tone for the supervision model adopted for the financial market. In it, the market is responsible not only for ensuring that the supervised entities operate correctly, but also for the quality of services that they provide.

10

The nature and scope of the information duties of payment service provides

88%

Bajor B.

Studia Prawnicze

|

2011

|

issue 3-4 (189)

169-195

EN

Problem concerning the duties, of payment service providers to provide information have been regulated mainly by Directives 2007/64/EC of the European Parliament and of the Council of 13 November 2007 on payment services in the internal market amending Directives 97/7/EC, 2002/65/EC, 2005/60/EC and 2006/48/EC and repealing Directive 97/5/EC. The provisions of the Directive have been implemented into the Polish legal system in the Act on Payment Services, adopted on 18 August 2011 (Dz. U Nr 199, poz. 1175). These acts contain the legal solutions creating the legal framework for the single market for payment services. The adoption of the Directive took place in the implementation of the concept of a single market in financial services, but at the same time the Directive aims at protection consumer rights. The provisions of the Directive and Act on Payment Services define both the principle of establishment of new payment services providers to the market, as well as rules concerning transparency of conditions and information requirements for payment services, and the respective rights and obligations of payment service users and payment service providers. The Directive and the Act on Payment Services impose on payment services providers far-reaching duties to inform users. These Acts specify the obligations on payment service providers as regards the provision of information to the payment service users who should receive the same high level of clear information about payment services in order to make well-information choices and be able to shop around within the UE. Payment service providers are obliged to, in an easily accessible manner, make available or provide to the payment service user, pre-contractual information and conditions (prior general information). Immediately after execution of the payment transaction, the payment service provider shall provide or make available to the payee the information about transaction. Then immediately after the execution of the payment transaction, the payment service provider shall provide or make available to the payee, the information about transaction. The obligation of payment service provider to make available or provide the information, has its legal basis in the legal standard and corresponds to user’s right to obtain such information based on the legal norm. It is therefore important to consider the legal essence of duties to provide information, as well as the scope of information requirements

11

Seniorzy na rynku usług finansowych

88%

Wierzbicka E.

Finanse i Prawo Finansowe

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2022

|

vol. 1

|

issue 33

25-42

EN

The purpose of the article/hipothesis: To determine the trends of changes in the situation of seniors in the financial services market in 2018–2020. The author assesses the standard of living and economic situation of seniors in Poland. The author indicates what factors and conditions affect the activity of seniors in the financial market as well as their safety as clients of financial institutions. According to the author, seniors bear the greater risk while choosing financial products appropriate to their needs and conditions, in comparison with other consumer groups. On a larger scale, this group of consumers is also affected by the risk of mis-selling and fraud, as well as cyber risk. The above-mentioned types of risk are exacerbated by the decreasing availability of financial services that are specifically dedicated to this group of clients. Research method: Critical analysis of the literature on the subject and results of empirical research and statistical data available. Selected reports of institutions such as the Polish Banks Association, the National Bank of Poland, the Credit Information Bureau as well as reports of advisory and consulting companies were also analyzed. Research results: Indication of the basic conditions influencing the economic situation of seniors in Poland and their position as consumers of products offered by the financial intermediaries. Defining the basic determinants of seniors' safety in the financial services market. So far, Poland has not developed a system of comprehensive protection of seniors, based on intergenerational solidarity in which, alongside government and local government institutions, financial intermediaries would actively participate.

12

Risk management in SMEs: Status quo and areas for future research in the German leasing industry

88%

Glaser C., Henschel T.

Studies in Risk and Sustainable Development

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2022

|

issue 396

1-11

EN

PURPOSE: The purpose of the present research note is to give an overview of research in the field of risk management in leasing SMEs as well as to present fields for future research. It intends to encourage other researchers to fill the current gap in research on risk management in general and on risk management in (German leasing) SMEs in particular. DESIGN/METHOD: The research note is based on interviews with 40 German leasing firms, thereof 35 SMEs. Qualitative research was chosen due to the nascent knowledge area and to explore cause-effect-relationships as well as to gain a deeper understanding of the practical requirements on risk management. RESULTS/FINDINGS: A research framework was presented based on the findings of the literature review. Based on the interviews, the framework could be drilled down into more operative, leasing-specific topics. Amongst others, it could be found that the risk management organisation is greatly shaped by the underlying risk strategy, the motivation for risk management, as well as the essential risks. These three elements form the basis for the operative and strategic risk management practice. Furthermore, it was differentiated in the different lifecycle phases of risk management. ORIGINALITY/VALUE: The presented research note is based on the first known research in the field of risk management for German leasing SMEs with a comparable number of interviews. Therefore, this research note includes a high degree of novelty. Adapting the findings in practice as well as combining it with other research questions might add significant value to risk management research as well as practice not only limited to the German leasing industry.

13

The potential benefits of Business Analytics in the sector of financial services

88%

Kulakova Y.

Zeszyty Studenckie Wydziału Ekonomicznego „Nasze Studia”

|

2015

|

issue 7

32-40

EN

Modern digital world has raised many obstacles along with advantages for business processes. Data generated by humanity every day is called now as Big Data, thanks to enormous amount and complexity of types. In today's reality of vast amounts of various types of data, it is important for enterprises to be able to deal with it in a most effective way. For financial services providers, decisions which are based on data rather than intuition can lead to many business benefits such as increasing awareness, boosting customer loyalty, diminishing fraudulence and gaining competitive advantage. Business analytics as complex process of data utilization can help financial services providers to address many challenges and reveal previously unknown insights. Rapid development of IT and consumerization of Internet can facilitate business processes as never before. Cost, complexity and availability of new technologies are playing crucial role in modern business world. In our days, business analytics techniques become more and more affordable even for small or middle size enterprises. Thus, contemporary analytics tools are deserve to be a key element of management process

14

Rola edukacji ekonomicznej w kształtowaniu stabilności systemu finansowego

87%

Ratowska-Dziobiak E.

Finanse i Prawo Finansowe

|

2021

|

vol. 3

|

issue 31

119-132

EN

An efficiently operating financial system is considered as an integral part of a well-functioning economy. It is the mechanism by which services are provided that allow the flow of purchasing power. Thus, this system creates the foundations of activity for entities using money, enabling the conclusion of economic transactions in which money performs various functions. The result of the existence of this system is the possibility of co-creation of money by non-financial economic entities (enterprises and households) and the flow of cash between them. In the light of many transformations taking place in the financial system, it is extremely important to ensure its stability. A properly functioning financial system significantly supports the achievement of the main goals of the central bank – maintaining a stable level of prices, and thus creating the basis for achieving long-term economic growth. Educational activities are of great importance in ensuring the stability of the financial system. The aim of the article is to present the role of economic education among young people, thanks to which they can better understand the complexities of the functioning of the financial system, the importance of its stability and prepare to make more conscious decisions as fully-fledged participants of the financial market. Understanding the specificity of the available financial instruments enables the minimalization of the risk associated with their selection / purchase. The accuracy of decisions made in adulthood depends on the knowledge of basic economic issues and the awareness of potential threats.

15

Dynamic Capabilities in the German financial services industry

75%

Oeser T.

European Journal of Management Issues

|

2018

|

vol. 26

|

issue 3-4

92-102

UK

Мета роботи – дослідити процеси, що утворюють динамічні здатності в німецьких фінансових компаніях. Дизайн/Метод/Підхід дослідження. Експлоративний якісний аналіз емпіричних даних методом множинного ситуаційного аналізу (multiple case study).. Результати дослідження. Результати свідчать про взаємозв'язок динамічних здібностей з динамікою зовнішнього середовища компанії. На даний момент динамічні здібності виявляються в операціях, пов'язаних з основною бізнес моделлю. Наприклад, вони присутні в розвитку каналів поставки послуг, але не виявлені в розвитку продуктів. Теоретичне значення дослідження. Запропоновано рекомендації з розвитку концепції порівняльного вимірювання динамічних здібностей. Підтверджено взаємозв'язок з динамікою зовнішнього середовища компанії. Практичне значення дослідження. Компанії можуть використовувати структуру sensing -> seizing -> reconfiguration і використовувати дані виміри (dimensions) для порівняльної оцінки своїх інноваційних операцій. Оригінальність/Цінність/наукова новізна дослідження. Підтверджено взаємозв'язок динамічних здібностей з динамікою зовнішнього середовища компанії. Процесуальний підхід зробив теоретичний конструкт динамічних здібностей більш зрозумілим для вимірювання. Запропоновано шляхи операціоналізації конструкту динамічних здібностей.. Тип статті – емпірична.

RU

Цель работы – исследовать процессы, образующие динамические способности в немецких финансовых компаниях. Дизайн/Метод/Подход исследования. Эксплоративный качественный анализ эмпирических данных методом множественного ситуационного анализа (multiple case study). Результаты исследования. Результаты свидетельствуют о взаимосвязи динамических способностей с динамикой внешней среды компании. На данный момент динамические способности проявляются в операциях, связанных с основной бизнес моделью. Например, они присутствуют в развитии каналов поставки услуг, но не обнаружены в развитии продуктов. Теоретическое значение исследования. Предложены рекомендации по развитию концепции сравнительного измерения динамических способностей. Подтверждена взаимосвязь с динамикой внешней среды компании. Практическое значение исследования. Компании могут использовать структуру sensing -> seizing -> reconfiguration и использовать данные измерения (dimensions) для сравнительной оценки своих инновационных операций. Оригинальность/Ценность/Научная новизна исследования. Подтверждена взаимосвязь динамических способностей с динамикой внешней среды компании. Процессуальный подход сделал теоретический конструкт динамических способностей более понятным для измерения. Предложены пути операционализации конструкта динамических способностей. Тип статьи – эмпирическая.

EN

Purpose. The purpose of this work is to investigate processes constituting to Dynamic Capabilities in companies of the German financial services industry. Design/Method/Approach. Exploratory with a qualitative approach and a multiple case study method. Findings. The results indicate a connection of Dynamic Capabilities and the dynamism of the environment. The actual Dynamic Capabilities seem to operate in business model related activities, such as distribution channels, but not in product development. Theoretical implications. Suggestions are given for the development of a comparative measurement concept for Dynamic Capabilities. furthermore, the inclusion of environmental dynamism in the research is emphasized. Practical implications. Firms can use the structure of sensing, seizing and reconfiguration and apply the dimensions for the relational measurement to evaluate their innovation activities. Originality/Value. Connections of Dynamic Capabilities to the environmental dynamism were found. Furthermore, the process lens of this research makes the theoretical concept of dynamic capabilities more graspable and gives suggestions for an operationalization. Paper type – empirical.

16

European union regulation of insurance industry in the aftermath of the financial crisis

75%

Emond I., Kunertová T.

The Lawyer Quarterly

|

2019

|

vol. 9

|

issue 2

140-149

EN

At the time of writing of this article we have reached the tenth anniversary of the peak of the financial crisis of 2007 to 2008. The 2008 financial crisis and its aftermath provide the backdrop to regulatory actions in the field of insurance. The article aims to examine the institutional and regulatory actions enacted at European Union (EU) level following the crisis which impacted upon the European insurance industry. Regulatory action was enacted in the EU mainly with the adoption of over forty pieces of financial service legislation from 2008 to 2018, most of which help to channel regulation towards a more centralized regime at an EU level. Hand in hand with the strengthening of the regulatory frameworks of financial services, the EU started focusing on the conduct of business rules under the premise of consumer protection. Finally, the article cannot omit upcoming Brexit as impacts on the insurance industry are inevitable, in particular, as the City of London used to be a financial hub for the whole Europe.

17

Will digital money crowd out national currencies?

75%

Cywiński Ł.

Bezpieczny Bank

|

2017

|

issue 4 (69)

147-167

EN

Despite a relatively short period that elapsed since the development of the blockchain or Distributed Ledger technology (DLT), it has been put to multiple uses by multinational corporations, central banks, governments and individuals. It has been responsible for the emergence of digital money and revolutionary changes in a wide array of financial services. The paper examines opportunities and threats associated with the use of the DLT, with a special emphasis on the first experimental digital money, applying a heuristic SWOT analysis. It includes the analysis of properties of the Bitcoin in comparison to traditional money together with detailed examination of protocols that created it in terms of associated dangers.

18

Wybrane aspekty stosowania przez przedsiębiorstwa outsourcingu finansowo-księgowego

75%

Molenda W., Burzyńska D.

Prace Naukowe Uniwersytetu Ekonomicznego we Wrocławiu

|

2023

|

vol. 67

|

issue 1

118-133

EN

The subject of outsourcing is important and relevant while its scale (and – consequently – the importance not only for the functioning of individual companies but also whole economies) is systematically growing. A particular attention has been paid to present the factors motivating companies to apply the mechanism of financial and accounting outsourcing (with the acknowledgment of variability and, at the same time, complex nature of the Polish legal, accounting and tax system). The article contains a research part the contents of which comprise of an analysis of results of conducted own research realized with the use of the diagnostic survey method – questionnaire technique which used an original questionnaire as the research tool. The survey involved 38 persons – presidents of large companies operating in Poland that employ financial and accounting outsourcing. The last part of the article presents a holistic overview of the discussion being a part of the elaboration. Thus, it holds certain application values – both with regard to companies that consider using services of financial and accounting outsourcing as well as entities specializing in providing financial and accounting services for companies – for example due to the distinct indications of respondents in the area of factors deciding on the choice of a specific provider of financial and accounting services.

PL

Zagadnienie outsourcingu jest ważne i aktualne, a jego skala (i co za tym idzie - znaczenie dla funkcjonowania nie tylko pojedynczych przedsiębiorstw, ale również całych gospodarek) systematycznie wzrasta. Szczególną uwagę poświęcono prezentacji czynników motywujących firmy do stosowania mechanizmu outsourcingu finansowo-księgowego (uwzględniając przy tym zmienność, a jednocześnie złożoność polskiego systemu prawnego, księgowego oraz podatkowego). Artykuł zawiera część badawczą, której treść stanowi analiza wyników badań własnych, zrealizowanych z wykorzystaniem metody sondażu diagnostycznego - techniki ankietowej, w której za narzędzie badawcze posłużył autorski kwestionariusz ankietowy. W badaniu wzięło udział 38 osób - prezesów dużych przedsiębiorstw działających na terenie Polski, które korzystają z outsourcingu finansowo-księgowego. Ostatnia część artykułu zawiera holistyczne ujęcie rozważań będących treścią opracowania, co sprawia, że posiada ona pewne walory aplikacyjne - zarówno względem przedsiębiorstw rozważających skorzystanie z usług outsourcingu finansowo-księgowego, jak i podmiotów specjalizujących się w obsłudze finansowo-księgowej firm - chociażby ze względu na wyraźne wskazania ankietowanych w obszarze czynników decydujących o wyborze konkretnego dostawcy usług finansowo-księgowych.

19

Zachowania finansowe osób bezrobotnych w świetle badań własnych na przykładzie Miejskiego Urzędu Pracy w Płocku

75%

Nowacka A.

Przegląd Prawno-Ekonomiczny

|

2022

|

issue 1

79-96

EN

The study aims to identify the factors which determine and differentiate the patterns of financial behaviour of the unemployed. The empirical basis of the problems discussed in the article is the overview of the literature on the subject as well as the findings of the survey conducted among the 350 unemployed registered at the Municipal Labour Office in Płock. It is important to emphasise, however, that the sample was not representative so the conclusions refer only to the group investigated. Theoretical and empirical analyses indicate that the patterns of financial behaviour of the unemployed stem from the influence of socio-demographic factors such as age, education, reasons for registration in the labour office and its length, all of which act with different strength and in a numer of directions. The findings of the research indicate that young people having at least secondary education rated their financial situation better and were more aware of the necessity to make savings. The graduates and the young unemployed whose length of registration at the Labour Office had been short were found to possess the highest monthly rate of savings. The unemployed over 36 years of age experienced challenges regarding financial commitments more frequently and tended to rely on credits and loans.

PL

Celem opracowania jest określenie czynników warunkujących i różnicujących zachowania finansowe osób bezrobotnych. Podstawą empiryczną problematyki poruszonej w artykule jest przegląd literatury przedmiotu oraz wyniki badania ankietowego przeprowadzonego wśród 350 osób bezrobotnych zarejestrowanych w Miejskim Urzędzie Pracy w Płocku. Należy jednak podkreślić, że próba nie miała charakteru reprezentatywnego i wnioski odnoszą się tylko do badanej grupy. Analiza teoretyczna i empiryczna wskazuje, że zachowania finansowe osób bezrobotnych są efektem wpływu czynników społeczno-demograficznych: wieku, wykształcenia, przyczyn i okresu zarejestrowania w urzędzie pracy. Działają one z rożną siłą i w rożnym kierunku. Wyniki badania wskazują, że osoby młodsze, z wykształceniem co najmniej średnim lepiej oceniały swoją sytuację finansową i miały wyższą świadomość roli oszczędzania. Wśród absolwentów i młodszych bezrobotnych z krótkim okresem zarejestrowania w urzędzie pracy odnotowano najwyższą miesięczną stopę oszczędności. Osoby bezrobotne w wieku powyżej 36 lat częściej doświadczały trudności w zakresie regulowania zobowiązań finansowych i korzystały z kredytów i pożyczek.

20

Postawy osób starszych wobec tradycyjnych i innowacyjnych kanałów dystrybucji usług finansowych

75%

Czerwiński B.

Problemy Zarządzania

|

2016

|

issue 2/2016 (59), t.1

156-170

PL

Rosnący udział osób starszych w strukturze populacji stawia nowe wyzwania przed przedsiębiorstwami oferującymi produkty do nich skierowane. Przykładem takich produktów są usługi finansowe. Przedmiotem niniejszego tekstu są usługi ubezpieczeniowe i bankowe oferowane osobom starszym z wykorzystaniem tradycyjnych i nowoczesnych kanałów dystrybucji. Na podstawie przeglądu literatury sformułowano dwie hipotezy badawcze: H1: Cechy społeczno-demograficzne osób powyżej 50. roku życia wpływają na preferencje w zakresie korzystania z usług ubezpieczeniowych za pomocą tradycyjnych i nowoczesnych kanałów dystrybucji oraz H2: Zmienne społeczno-demograficzne osób powyżej 50. roku życia wpływają na postrzeganą przez nich dostępność usług finansowych. Weryfikacja postawionych hipotez została zrealizowana na podstawie badań przeprowadzonych wśród 1498 osób w wieku 50+ pochodzących z północnej Polski. W artykule zawarto ponadto rekomendacje dla praktyki gospodarczej służące lepszemu dostosowaniu oferty rynkowej do oczekiwań klientów usług finansowych.

EN

The growing participation of elderly people in the structure of the population is posing new challenges for companies offering products to them. Financial services are an example of such products. Insurance and bank services offered to elderly people through traditional and modern delivery channels are a subject of the present text. Based on the literature review two research hypotheses were formulated: H1: socio-demographic characteristics of people over 50 years old affect their preferences as for using insurance services through traditional and modern distribution channels and H2: socio-demographic characteristics of people over 50 years old influence the availability of financial services perceived by them. The verification of the constructed hypotheses was carried out on the basis of research conducted among 1498 people aged 50+ from the northern Poland. Moreover, recommendations are included in the article for the economic practice serving better adaptation of the market offer to expectations of customers of financial services.

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