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THE MARKET OF NON-CASH PAYMENTS IN POLAND ON THE BACKGROUND OF THE EUROPEAN UNION-A COMPARATIVE ANALYSIS (Polish title below)

100%
Slazak E.
Ekonomia. Rynek, Gospodarka, Społeczeństwo
|
2011
|
issue 27
34-51
EN
(Polish title: Skuteczne strategie segmentacyjne - w kierunku ograniczenia ryzyka utraty klienta zamoznego Rynek platnosci bezgotówkowych w Polsce na tle Unii Europejskiej - analiza komparatywna). The main aim of the paper is the comparative analysis of Polish cashless payments on the background of European Union payment statistics. The primary finding involves the scale of gap between Poland and EU in terms of direct credit and direct debit instruments. Despite the overwhelming popularity of direct credit on the domestic market, its usage especially among individuals is still very moderate situating Poland at the bottom of 27 EU countries. On the other hand, direct credit payments play a sole role in non-cash payments ordered on the basis of bank accounts as the importance of direct debit is extremely limited. As far as card payments are concerned, it should be emphasized the dynamic growth of volume issued cards as well as the value of transactions. However, contrary to developed EU card markets, the leading role of debit card in Poland signals still initial state of long-term development trends in domestic market. Furthermore, the fast growing importance of credit cards Poland has been halted towards the end of 2010 under the pressure of growing credit risk exposure in form of increasing ratio of non-performing credits extended within credit card.
2

CONCEPTUAL PREREQUISITES FOR BANKING ACTIVITY IN REAL ECONOMY

100%
Slazak E.
Optimum. Studia Ekonomiczne
|
2009
|
issue 3(43)
168-178
EN
The paper characterizes the main theoretical models which suggest that despite the outcomes of the Arrow-Debreu model suggesting that banks have no grounds for their existence in the real economy. However, borrowers and lenders still prefer to deal through banks as financial intermediaries. The paper includes traditional reasons for banking activity increasing the utility functions of borrowers and lenders by covering a number of gaps in their contradictory preferences. Moreover, the paper presents further reasons for banking activity such as liquidity insurance, information-sharing coalitions, delegated monitoring and transaction costs.
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