Zmiany na rynku bankowości internetowej w Polsce w latach 2010–2015
Changes in the Internet banking market in Poland in years 2010–2015

Summary/Abstract: The purpose of this article is to identify trends in the use of Internet banking by individual customers and SMEs in Poland in the years 2010–2015 and an indication of demographic, economicand educational determinants, which cause the greatest disparities in the use of Internet banking byindividual customers. As data source we used publications and data provided by the Polish Bank Association,the Polish National Bank, the Financial Supervision Commission, the Central Statistical Office and Internet portal PRNews.pl.The study showed, that in 2010–2015 the number of Internet banking accounts belonging to individual customers and SMEs were characterized by a rising trend, but the average quarterly growthrate in the case of individual customers was higher. A significant percentage of Internet bankingaccounts were inactive and this percentage was lower among accounts belonging to SMEs. Analysisof the average value of transfers and settlements carried out by two groups of customers did notshow any increasing trend.Factors causing the greatest disparities in the use of Internet banking by individual customerswere the level of education and age. The smallest disparities were observed between the groups separatedby gender and occupation. Moreover, for each of the factors included in the study, disparitiesin 2015 were smaller than in 2010. Conducted analysis also showed that from 2013 onwards interestin Internet banking in groups with high proportion of users began to decrease. This may be a resultof providing better mobile banking applications and development of mobile payments systems.

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