Non-cash retail payments in selected banks during the COVID-19 pandemic – the case of Poland

Anna Iwańczuk-Kaliska (), Mirosława Kaczmarek () and Grzegorz Kotliński ()
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Anna Iwańczuk-Kaliska: Poznań University of Economics and Business
Mirosława Kaczmarek: Poznań University of Economics and Business
Grzegorz Kotliński: Poznań University of Economics and Business

Bank i Kredyt, 2023, vol. 54, issue 3, 309-334

Abstract: This study addresses the changes in the use of non-cash payments by individuals during the COVID-19 pandemic at the level of individual banks in Poland. In hypothesis H1 we assumed that during the pandemic there was a change in the payment behaviour towards an increased use of mobile payments. In order to verify H1, we calculated the average values of the indicators characterising non-cash payments for each first quarter in 2019–2022. In hypothesis H2 we assumed that in each period it is possible to distinguish a group of banks whose clients actively used mobile payments (H2a) and a group of banks whose clients more often used traditional forms of non-cash payments (H2b). To verify H2, we used the farthest-neighbour clustering method. The general findings of the research show that the payment behaviour of banks’ clients before and during the COVID-19 pandemic differed. This resulted in a change in the position of some banks on the non-cash payments market in Poland.

Keywords: non-cash payments; payments market; COVID-19 pandemic (search for similar items in EconPapers)
JEL-codes: G20 G21 G23 (search for similar items in EconPapers)
Date: 2023
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Persistent link: https://EconPapers.repec.org/RePEc:nbp:nbpbik:v:54:y:2023:i:3:p:309-334

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