The Republic of Poland is a country in Central Europe, bordered by Germany to the west, the Czech Republic and Slovakia to the south, Ukraine, Belarus and Lithuania to the east and the Baltic Sea and Kaliningrad Oblast to the north. Link to external site : Website for Poland |  |
| Wallets | |
| Development | Advanced Emerging |
| Send or Receive |
Receive Register/Log In |
| GDP ($m) |
422,089.72 Register/Log In |
| HDI classification | High |
| Mobile Connections (m) |
49.434 Upgrade to Bronze |
| Currency | PLN |
| Class | |
| CountryISO | PL |
| Sovereignity | Country |
| Territory of | - NA - |
{"type":"GeoChart","data":[["Country","Population(m)","Rank"],["PL",38.061,31]],"options":{"title":"Countries","region":"PL","displayMode":"regions","colorAxis":{"minValue":0,"maxValue":1500,"colors":["yellow","green","red"]}}}
{"type":"PieChart","data":[["Operator","Connections"],["Orange (Telekomunikacja Polska)",14904426],["Plus (Polkomtel)",14000000],["T-Mobile (Deutsche Telekom)",13200000],["Play (P4)",6504516],["CenterNet Mobile",515000],["Rest ( 1 )",310000]],"options":{"title":"Connections","is3D":true}}
{"type":"ColumnChart","data":[["Year","Connections"],["Q4 2000",6654123],["Q4 2001",10004252],["Q4 2002",13898488],["Q4 2003",17401146],["Q4 2004",23095400],["Q4 2005",28293049],["Q4 2006",37000129],["Q4 2007",41872816],["Q4 2008",44336502],["Q4 2009",44527038],["Q4 2010",45096805],["Q4 2011",46071111],["Q4 2012",46933169],["Q4 2013",47694024],["Q4 2014",48365493]],"options":{"title":"Connections"}}
| Channel Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["ATM",2],["Agent",1],["Location",3],["Mobile",9],["Web",4]],"options":{"title":"Initiatives ( 11 of 11 )"}} |
| COT Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["",2],["Bank",7],["Network",1],["PSP",1],["Scheme",1]],"options":{"title":"Initiatives ( 11 of 11 )"}} |
| Persona Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["DB",4],["DN",1],["DW",1],["MP",1],["MT",2],["NFC",1],["OP",1]],"options":{"title":"Initiatives ( 11 of 11 )"}} |
| Products |
{"type":"ColumnChart","data":[["Category","Initiatives"],["AT",1],["BP",1],["CICO",1],["DMT",4],["IMT",3],["LP",2],["MB",4],["MP",3],["NFC",2],["OB",5],["OP",3],["PC",1],["Transport",1]],"options":{"title":"Initiatives ( 11 of 11 )"}} |
| PI Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["",1],["Account",7],["Card",4],["Cash",3],["NFC",1],["PC",1],["Wallet",1]],"options":{"title":"Initiatives ( 11 of 11 )"}} |
| Central Bank | |
| Key Regulations | |
| Type of law |
Civil Upgrade to Bronze |
| Legal System |
Civil law system; changes gradually being introduced as part of broader democratization process; limited judicial review of legislative acts, but rulings of the Constitutional Tribunal are final Upgrade to Bronze |
| Law is based on |
The Polish Civil Code in force since 1965 Upgrade to Bronze |
| Approach |
Ex Ante Upgrade to Bronze |
| Sectors active in Digital Money | |
| Exclusivity | |
| Certainty | |
| Openness | |
| Proportionate? | |
| Allowed Models |
NB Led Upgrade to Bronze |
| DominantModel |
| E-Money | |
| Payment | |
| Agent | |
| Money Transfer | |
| Taxation |
{"type":"Gauge","data":[["Label","Value"],["Mobile Penetration",115.68],["Banked",66],["Internet",42],["Urban",61],["Adult",85],["Literate",99.3062]],"options":{"scaleHeight":0.5,"min":0,"max":100,"redFrom":76,"redTo":100,"yellowFrom":26,"yellowTo":74}}
| Population m | 38.06 |
| Adult % | 85.00 |
| Migrants % |
2.00 Register/Log In |
| Stock Immigrants ('000) |
827.50 Upgrade to Bronze |
| Emigration Rate % | |
| Internal Migrants ('000) | |
| Internal Migration Rate % | |
| Intl Movement Rate % | |
| Urban % | 61.00 |
| Female % | 59.00 |
| Literate % | 99.31 |
| Annual Growth % |
-2.40 Upgrade to Bronze |
| Mobile Penetration % | 115.68 |
| Banked % | 66.00 |
| Access to FS % | 66.00 |
| Internet % | 42.00 |
| Branches per 100k adults | 43.83 |
| ATMs per 100k adults | 42.16 |
| POS per 100k adults | 253.22 |
| Prepaid % | 54.50 |
| Prepaid SIM Registration | |
| MobileUnbanked (m) | 12.94 |
| Monthly ARPU |
17.25 Upgrade to Bronze |
| Cards 2010 ('000) | |
| Propensity % |
| Overall | |
| Population | |
| On Remittance Sent | |
| On Remittance Received | |
| Mobile Unbanked | |
| Migrant % | |
| MP % | |
| Banked % | |
| Development |
| Can Provide Payments? | |
| Can Market under Brand? | |
| Can issue E-Money? | |
| Can Open Customer Account? | |
| Can Own Customer? | |
| Can do Cash In/Cash Out? | |
| Can offer Domestic Money Transfer? | |
| Can offer International Money Transfer? |
| Importance for Digital Money | |
| Digital Money Adoption |
Prime Candidate Upgrade to Bronze |
| Registered Wallet Users | |
| Top Wallets | |
| Informal Market | |
| Cost To Remit | |
| Key Players |