Porównanie wykluczenia cyfrowo-finansowego w Polsce i w Norwegii
Comparison of digital and financial exclusion in Poland and in Norway

Summary/Abstract: Dynamic development of technology, increasing popularity of Internet, better availability ofdevices allowing easy access to Internet such as laptops, tablets or smartphones, as well as easyaccess to broad spectrum of information, has caused significant diversification and transformationof the society. Nowadays we can talk about information society where the main value is informationand the services associated with it. A trend is being observed of moving traditional services into theInternet and developing services being there already. Part of the society has been deprived of, forvarious reasons, the possibility to actively participate in many aspects of the public life. An indicationof civilization’s development level is the access of its citizens to modern technologies and theirusage. For one part of the society, getting information is quick, simple and independent from factorslike time and location. The other part of the society, due to the lack of such capabilities, is digitallyexcluded. This digital divide causes yet another type of exclusion – inability to access Internetbanking services – financial exclusion. In this paper comparative analysis of Poland and Norwayhas been conducted (also referring to the EU average) regarding the digital and financial exclusion,accessibility of information available in the Internet, factors differentiating those two countries,especially the usage of Internet banking, treated as the main cause for financial exclusion.Security and financial losses aspects have also been discussed in this paper – as one of thepotential drivers of the financial exclusion.

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