Bankowość elektroniczna w Polsce w opinii klientów indywidualnych w świetle wyników badania własnego
Electronic banking in Poland in the opinion of individual customers

Summary/Abstract: Considering the dynamic technological progress, electronic banking is now both a modern and convenient means for clients to communicate with their bank remotely. Importantly, e-banking is gaining increasing prominence as a commonly accepted and key tool for financial management in modern society. The purpose of this article is to present the results of a survey conducted among individual clients in possession of a bank account. The survey focuses on understanding the ways in which e-banking shapes clients’ habits and influences their preferences. The survey has set out two research hypotheses. First, that there is a growing trend of traditional banking being displaced by electronic banking and of cash being replaced by electronic payments. The second hypothesis is that clients perceive e-banking as a secure and trustworthy way to interact with their bank. The survey results indicate that e-banking is growing in popularity, especially among younger customers who value its convenience, time savings and flexibility. However, it is necessary to constantly invest in the security of electronic banking services, and in client education in order to effectively manage the risks associated with e-banking. The conclusions of the survey have significant relevance for the banking sector, which needs to adapt to changing client preferences and increasing security expectations.

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