The impact of FinTech development on traditional banking institutions in Poland

Marta Czarkowska, Bartosz Bagniewski


The rapidly advancing digitisation and modernisation of information technologies are an impulse to use innovative solutions proposed by the broadly understood financial sector. The presented work presents the development of the banking system in Poland, the perspective of the FinTech phenomenon, with focus on operating bank branches in Poland, as well as innovative solutions. The aim of the article is to analyse the impact of FinTech development on traditional branches of banking institutions in Poland. The authors look at today's behavior of bank account holders with regard to everyday activities, such as withdrawing cash. At the same time they make suggestions as to the reason for the presented results, in order to clearly formulate the final conclusions. The authors also discuss areas analogous to the main topic, such as cashless payment methods, with a closer analysis of their real impact on the banking structure. The main source of information for this article are results obtained from the authors' own research. The considerations lead to the conclusion that in today's banking environment bank branches are somewhat unnecessary and unprofitable, and will slowly decrease in number year by year. The results of the study highlight the amazing BLIK phenomenon, which is increasingly replacing payment methods offered by banks.

Keywords: FinTech, banking system, stationary banking, internet banking, mobile banking, ATM, e-commerce, BLIK



Marta Czarkowska

Bartosz Bagniewski

About the article


The article is in the printed version on pages 13-25.

pdf read the article (Polish)

How to cite

Czarkowska, M. i Bagniewski, B. (2022). Wpływ rozwoju FinTech na stacjonarne oddziały instytucji bankowych w Polsce. e-mentor, 5(97), 13-25.