popularity of micro-payments in Poland

% of 18-24 yo users using micro-payments for (from top): public transport ticket, vending machines, games/apps, park payment, not using micro-payments at all, electric scooters/bikes, payment for highway, other,…

some stats about Poles

  • 89% using apps every day or few times a week
  • most popular are communicators and video content
  • 85% feel satisfied
  • 83% says that apps are useful in life, make it easier
  • 70% wants some gov and edu apps easy accessible for everyone
  • 33% declare increased app usage in post-covid era, 5% declare decreased
  • 57% spends 1-3h daily on mobile, 23% spends 4h+
  • 44% says that increased mobile usage by 2h+ daily in post-covid era
  • 71% of 10 yo kids owns smartphone, almost half keep mobile close whole time

most popular app categories(% of all mobile users)

from top: communicators, video apps, social, banking

some polish stats


  • 80% of Poles using smartphone at least 1h a day everyday
  • 28% 2-3h a day
  • 25% more than 3h
  • 14% 4-6h
  • 9% 6h+
  • most active: 60% of 18-24 yr used 4h+


  • 56.5% is using smartphone more often
  • 54.3% is using Internet more often


  • 77% calling
  • 64% messaging
  • 56% web
  • 53% social
  • 51% takes photos
  • 48% banking

The most popular payment method in 2030 will be:

from left: mobile, payment cards, cash

40% convenience
34% reduction of financial crimes and “shadow economy”
36% social exclusion
21% data protection problems and the vulnerability of the centralized economy

survey among 129 people representing financial institutions, technology suppliers and thematically related experts from around the world (Sibos conference in London)

banking in Poland – about quater of Poles use mobile banking and payments

20% more mobile users YoY

60% more mobile only users

52.5% of all mobile use app, year ago was about 40%

850k payment terminals in Poland, 100 (one hundred) NOT supporting near field payments (cards, devices)

some shopping-on-mobile related stats from Poland

top left: devices used to access internet, in order: smarthpone, tablet, desktop, laptop, smart TV, other (dark green – seniors, light green – all)

bottom left: which age is shopping on mobile most oftenly

bottom center: which kinds of apps do you use, in order: free downloaded, installed on start, paid downloaded, dunno, not using apps at all

vertical left: how we pay for e-shopping, from top: fast transfer, native mobile payment, traditional transfer, when package arrive, credit card online, cash, credit card when package arrive