Polish Attitude Towards Payments: Behaviour, Obstacles and Expectations

1. THE POLISH ATTITUDE TOWARDS PAYMENTS:
Behaviour, Obstacles and Expectations
WHERE DO POLES
USE A CARD MOST OFTEN:
WHAT DO POLES THINK ABOUT
SMALL DAILY PURCHASES?
WHERE ELSE DO POLES WANT TO PAY WITH A CARD?
HOW OFTEN DO POLISH SHOPPERS PAY WITH A CARD?
In small
service points
ONCE A MONTH
Promotions or discounts
when paying with a card
in a particular store
%
Increased availability
of terminals in stores
and service points
Availability of unattended
payment solutions
in kiosks, vending, parking
and other self-service environments
Pay with cash Sometimes pay with cash
and sometimes with a card
Always pay with a card
Promotions
and discounts
when paying
with a card
LACK OF POSSIBILITY TO PAY
WITH A CARD IN
SELF-SERVICE MACHINES
Source: “Study of the use of payment cards” omnibus survey conducted by PBS on behalf of Verifone, October 2015.
At news stands
At retail stores At gas stations In restaurants On the Internet
In taxis
29.8% 19.9% 15.3%
12.5%12.8%
2-3 TIMES A WEEK 4-6 TIMES A WEEK ONCE A WEEK
EVERYDAY
WHAT CAN ENCOURAGE POLES
TO USE CARDS MORE OFTEN?
WHY ARE POLES WILLING TO PAY
WITH A CARD INSTEAD OF CASH?
BIGGEST OBSTACLES
TO CARD PAYMENT
Over 64% admitted they were in a situation when
they wanted to pay with a card but couldn't,
because there was no terminal installed in the store
ALMOST 50% OF POLES
(34% ONE YEAR AGO)
25% 4.4%55.3% 14.8%
33.5%55.4% 10.7%
They don't have
enough cash
on them
They're in a hurry Merchant
doesn't have
change
LACK OF CURRENT
CONTROL
OVER THE ACCOUNT
BALANCE
NOT ENOUGH
TERMINALS
TRANSACTION AMOUNT LIMIT
FOR CARD PAYMENT
SET BY MERCHANT
would pay only via card if terminals
were more widely available
VERIFONE.PL
9.7%
2-3 TIMES A MONTH
1 2 3
4 5 6
7 8 9
* 0 #
X O
83% 19%
•
In tax offices,
municipal offices etc.
•
At markets
and bazaars
THE BIGGEST ADVANTAGES
OF CARD PAYMENTS:
Almost half
of all respondents believe
installation of payment
terminals is not sufficient
to meet demand in Poland.
Over 83% of Poles
believe that card
payments are safe
The belief that card
payments are a safe
way to pay grew
19% since 2015
„Paying with a card
guarantees
safety”
„It’s a fast and easy
way to pay”