According to the latest survey by the Institute for Market and Social Research (IBRiS), more than 70% of Poles regularly pay without cash, settling their accounts at a stationary location, 41 % of them make payments with a card, phone or watch whenever they have the possibility to do so, and more than 19 % settle cashless payments in this manner several times a week.

The survey states that cashless payments are most often chosen by younger people. More than 80 % of respondents aged 18-39 regularly make transactions using a card, phone or watch, and most of them do so whenever they have the opportunity.

In contrast, older people are most used to cash. It is noteworthy, however, that almost 40 % of respondents over 70 years of age pay cashless at least once a week, while the rest do it very rarely.

The survey showed that people living in medium-sized and large cities most appreciate the speed and convenience of cashless payments. Approximately three quarters of respondents in this group make them regularly.

The lesser popularity of cashless payments can be seen in rural areas, while it is still almost 60 % of respondents who settle without cash a minimum of once a week or more.

In terms of income, people earning between PLN 5,000 and PLN 6,999 net per month pay cashless most often. More than two-thirds (66%) of them do so whenever there is an opportunity.

The survey showed that almost 60% of respondents are interested in the possibility of completing transactions via a mobile application installed on a smartphone or tablet. Such an option is most attractive to 18–29-year-olds (over 80 %) and 30–39-year-olds (over 70 %), as well as to residents of large cities and rural areas.

Adrian Andrzejewski