Payment Habits of Rural Population in Poland: Barriers and Challenges for the Financial Services System (Zwyczaje platnicze ludnosci wiejskiej w Polsce – bariery i wyzwania dla systemu uslug finansowych)

Michal Soliwoda ()
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Michal Soliwoda: Instytut Ekonomiki Rolnictwa i Gospodarki Zywnosciowej – Panstwowy Instytut Badawczy, Zaklad Finansow Rolnictwa

Problemy Zarzadzania, 2015, vol. 13, issue 54, 85-101

Abstract: Socio-demographic features differentiated significantly habits of users of financial services, thus allowing a partial segmentation. The aim of the study is to diagnose and identify barriers and challenges facing the system of financial services in Poland – in the context of the prevalence of non-cash payment services among the rural population. We put emphasis on the presentation of potential models for the development of cashless payments in the country. Consumers of financial services in rural areas are accustomed to the “traditional” methods of cash withdrawals. It is less popular to take cash from an ATM. The proportion of population using cards is lower than in urban areas. The quantity and value structure of payments in various outlets confirms the existence of the conservative attitude of devotion to cash equated with transaction security. Depending on the domination of regulation or institutional activity, distinguishing “regulatory model” and “institutional model” was deemed appropriate.

Keywords: payment habits; rural finance; financial exclusion; cashless payments; financial education (search for similar items in EconPapers)
JEL-codes: D14 Q14 R51 (search for similar items in EconPapers)
Date: 2015
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Persistent link: https://EconPapers.repec.org/RePEc:sgm:pzwzuw:v:13:i:54:y:2015:p:85-101

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