{"title":"新冠肺炎疫情下波兰电子银行业务的发展——以波兰PKO银行为例","authors":"Anna Feruś","doi":"10.2478/foli-2022-0018","DOIUrl":null,"url":null,"abstract":"Abstract Research background: The COVID-19 pandemic has changed consumer preferences and their use of banking services. Consequently, the propensity of bank customers to use electronic banking has increased. Banks, in order to meet customer expectations, develop and improve the most popular channels of distribution of their services, offering increasingly advanced technological solutions that provide the customer with a high level of security. Purpose: The aim of this paper is to analyze and evaluate the functioning of electronic banking in PKO Bank Polski in the era of the SARS-CoV-2 coronavirus pandemic. Research methodology: The current situation regarding the functioning of e-banking in Poland in the era of the pandemic with particular emphasis on the development of electronic banking services at Bank PKO Bank Polski was investigated. Development trend models were used for the study, and then applied to forecast the changes that will occur in the electronic banking market in Bank PKO Bank Polski at the end of 2022 and in 2023. The analysis was carried out using the STATISTICA 13.3 program. Results: Banks, including PKO Bank Polski, will increasingly need to develop their digital infrastructure and continue to innovate to keep up with changing lifestyles. In the future, the use of cash will be marginalized in favour of electronic payments. Novelty: Further IT and telecommunication progress at PKO BP Bank Polski will result in the emergence of more innovative solutions for banking services and, at the same time, the development of the electronic money market.","PeriodicalId":314664,"journal":{"name":"Folia Oeconomica Stetinensia","volume":"1 1","pages":"0"},"PeriodicalIF":0.0000,"publicationDate":"2022-12-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"1","resultStr":"{\"title\":\"The Development of Electronic Banking Services in Poland in the Era of the COVID-19 Pandemic using the Example of PKO Bank Polski\",\"authors\":\"Anna Feruś\",\"doi\":\"10.2478/foli-2022-0018\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"Abstract Research background: The COVID-19 pandemic has changed consumer preferences and their use of banking services. Consequently, the propensity of bank customers to use electronic banking has increased. Banks, in order to meet customer expectations, develop and improve the most popular channels of distribution of their services, offering increasingly advanced technological solutions that provide the customer with a high level of security. Purpose: The aim of this paper is to analyze and evaluate the functioning of electronic banking in PKO Bank Polski in the era of the SARS-CoV-2 coronavirus pandemic. Research methodology: The current situation regarding the functioning of e-banking in Poland in the era of the pandemic with particular emphasis on the development of electronic banking services at Bank PKO Bank Polski was investigated. Development trend models were used for the study, and then applied to forecast the changes that will occur in the electronic banking market in Bank PKO Bank Polski at the end of 2022 and in 2023. The analysis was carried out using the STATISTICA 13.3 program. Results: Banks, including PKO Bank Polski, will increasingly need to develop their digital infrastructure and continue to innovate to keep up with changing lifestyles. In the future, the use of cash will be marginalized in favour of electronic payments. Novelty: Further IT and telecommunication progress at PKO BP Bank Polski will result in the emergence of more innovative solutions for banking services and, at the same time, the development of the electronic money market.\",\"PeriodicalId\":314664,\"journal\":{\"name\":\"Folia Oeconomica Stetinensia\",\"volume\":\"1 1\",\"pages\":\"0\"},\"PeriodicalIF\":0.0000,\"publicationDate\":\"2022-12-01\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"1\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"Folia Oeconomica Stetinensia\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.2478/foli-2022-0018\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"\",\"JCRName\":\"\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"Folia Oeconomica Stetinensia","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.2478/foli-2022-0018","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"","JCRName":"","Score":null,"Total":0}
引用次数: 1
摘要
研究背景:新冠肺炎疫情改变了消费者偏好和银行服务的使用。因此,银行客户使用电子银行的倾向有所增加。银行为了满足客户的期望,开发和改进最受欢迎的服务分销渠道,提供越来越先进的技术解决方案,为客户提供高水平的安全性。目的:分析和评价新冠肺炎大流行时期波兰PKO银行电子银行业务的运行情况。研究方法:调查了大流行病时期波兰电子银行运作的现状,特别强调了PKO波兰银行电子银行服务的发展。发展趋势模型用于研究,然后应用于预测PKO银行波兰银行在2022年底和2023年电子银行市场将发生的变化。使用STATISTICA 13.3程序进行分析。结果:包括PKO Bank Polski在内的银行将越来越需要发展其数字基础设施,并不断创新以跟上不断变化的生活方式。在未来,现金的使用将被电子支付所取代。新颖性:PKO BP Bank Polski在信息技术和电信方面的进一步发展将为银行服务带来更多创新的解决方案,同时也将促进电子货币市场的发展。
The Development of Electronic Banking Services in Poland in the Era of the COVID-19 Pandemic using the Example of PKO Bank Polski
Abstract Research background: The COVID-19 pandemic has changed consumer preferences and their use of banking services. Consequently, the propensity of bank customers to use electronic banking has increased. Banks, in order to meet customer expectations, develop and improve the most popular channels of distribution of their services, offering increasingly advanced technological solutions that provide the customer with a high level of security. Purpose: The aim of this paper is to analyze and evaluate the functioning of electronic banking in PKO Bank Polski in the era of the SARS-CoV-2 coronavirus pandemic. Research methodology: The current situation regarding the functioning of e-banking in Poland in the era of the pandemic with particular emphasis on the development of electronic banking services at Bank PKO Bank Polski was investigated. Development trend models were used for the study, and then applied to forecast the changes that will occur in the electronic banking market in Bank PKO Bank Polski at the end of 2022 and in 2023. The analysis was carried out using the STATISTICA 13.3 program. Results: Banks, including PKO Bank Polski, will increasingly need to develop their digital infrastructure and continue to innovate to keep up with changing lifestyles. In the future, the use of cash will be marginalized in favour of electronic payments. Novelty: Further IT and telecommunication progress at PKO BP Bank Polski will result in the emergence of more innovative solutions for banking services and, at the same time, the development of the electronic money market.