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Poland’s Financial Inclusion: A Mixed Bag

According to a recent study, Poland’s financial inclusion levels are mediocre at best. While the country has made significant progress in developing its financial infrastructure, there is still much work to be done on the demand side.

Demand Side Challenges

The study found that while 75% of Polish adults use financial services, one-fifth (20%) remain financially excluded. Saving and investment products are particularly underutilized, with only a small percentage of Poles using them.

Consumer Confidence and Knowledge

One positive trend is the high confidence in banks among consumers, which suggests that they are willing to trust financial institutions. However, this is offset by a lack of financial knowledge and preparation for receiving financial services.

Gap Between Supply and Demand

The study’s authors note that there is a significant gap between the supply side (financial infrastructure) and the demand side (consumer attitudes and preparation). While Poland has made progress in developing its financial infrastructure, consumers are not yet well-prepared to take advantage of it.

Key Indicators

Here are some key indicators from the study:

• 75% of Polish adults have used financial services in the past year
• 20% remain financially excluded
• Only 12.6% of Poles use saving and investment products
• Consumer confidence in banks is high, but expectations for economic improvement are low

Conclusion

The study’s authors conclude that while Poland has made progress in financial inclusion, there is still much work to be done to bridge the gap between supply and demand.