We pay in cash, mainly to regulate small fees, for example for communication tickets or taxi fares.
Bills or larger debts, it is already the advantage of non-cash payments. At the same time, every third Polish consumer declares that he does not carry cash or rarely happens to him. This is one of the highest results in Europe. More only such people are in France. There are Germans on the opposite side, but it is not surprising, in this country it is hard to find a place where you can pay with a card.
In the case of cash payments, the most frequently indicated were pocket transfers, payments for a taxi and public transport tickets. Non-cash, on the other hand, most often we pay receivables for utilities, rent, payments in shops or for gifts. The price range is also given, purchases over 42 PLN are regulated by 72% of respondents with non-cash payments. This percentage increases, of course, as the amount increases.
Nearly 65% of Polish consumers think that cashless payments are safe, and almost 55% indicate cash payments, because they are more convenient than paying in cash. They also claim that, non-cash payments have more security in the form of a PIN or fingerprint.
Cashless people are first of all young – nearly 33 %. Millenials claim that thet only uses electronic forms of billing. Only 16 % of Polish consumers declare that they have a lot of cash in their wallets – even several hundred PLN.
Young people are the followers of new technologies. Every third Polish buyer aged 18-29 uses online banking for the transaction. In total, over 18% of payments are settled without cash and every six of Polish consumers uses mobile banking. In the coming years, the share of people not using cash will grow. The speed of this process will depend on the further increase in the number of places where non-cash payments are accepted. It is also important to enable clients of public administration offices to make non-cash payments.