Sukces technologii zbliżeniowej w bankowości na przykładzie rozwoju polskiego rynku kart płatniczych
The Success of Contactless Technology in Banking – the Example of the Polish Payment Cards Market

Summary/Abstract: The contactless technology has become in Poland a standard for retail payments in a relatively short time. The aim of the article is to indicate the success factors for the development of contactless payments in Poland. Due to the network nature of the payment services and a complexity of payment card schemes functioning, there are huge barriers to technological changes on the payment card market. The success of the contactless technology implementation was achieved by strategy of payment organizations, based on the simultaneous supporting the development of the acceptance network and card issuance. As a result, the Polish banking sector gained advantages of backwardness in the scope of migration to the EMV standard, becoming the leader of this innovation in Europe

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