Znaczenie cyfryzacji dla inkluzji finansowej na przykładzie Polski

Abstract

The aim of the article is an identification of the financial preference of citizens in Poland in the context of the acting digitization of the monetary turnover. Decreasing the cash in circulation is an important goal of macroeconomic policy because it makes cash transfers more expensive. Lack of access to finance is often the critical mechanism for slower growth in the economy. Cash in circulation generates huge costs and supports the development of the shadow economy. The poor access to banking service can also to prevent part of society from ertjoying a basic standard of civilization. The main source of data used for the analysis was selected re­search information conducted by the TNS Pentor, the National Bank of Poland and the Master­Card, in 2007-2016.

Keywords

• financial exclusion
• cash in circulation
• payment habits
• payment instruments