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Copyright of Journal of Finance & Financial Law / Finanse i Prawo Finansowe is the property of Wydawnictwo Uniwersytetu Lodzkiego and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Subject and purpose of work: The aim of the article is to present selected aspects of the digitization process of the banking sector in Poland, including the role of the digital channel in the sale of banking products.

Copyright of Scientific Journal European Policies, Finance & Marketing / Polityki Europejskie, Finanse & Marketing is the property of Wydawnictwo SGGW and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

The aim of the study was to determine and characterise the level of knowledge of consumer rights in the bankingservices market in the group of rural population of Malopolskie Voivodship and to identify selected socio-demographicfactors determining this level. The main source of the data used for the analysis and the applications were the primaryinformation obtained from personal research. The research was done by using PAPI method in 2016 on the group of370 people. The interview was conducted with the inhabitants of the Małopolskie province. In the study a deliberateselection of the sample was applied. The statistical analysis of the studied material encompassed aggregate statisticalindicators as well as the non-parametric test χ2. According to the analysis, the level of knowledge of consumer rightsin the respondent group was low. Most respondents claim that their knowledge in this area is insufficient. There was adiversity of responses of respondents depending on age, education and main source of income. The presented researchresults indicate that the current way of promoting financial knowledge conducted by various entities in our countryis not effective enough.

Currently, banks offer a wide range of products and services that are available on the Internet. They are addressed especially to younger clients, called generation Y. They are active participants on the Internet and expect to have quick and convenient access to banking products and accumulated funds. The article presents the results of an empirical study. The main objective of this study was to examine the interest of Poles from generation Y in Internet banking services. It was also important to indicate the types of banking services which young clients are mostly interested in and the reasons why they use this distribution and communication channel. The analysis showed that 97% of the representatives of the generation Y are active users of online banking. They appreciate direct access to their money from any place and at any time. 93% of this generation’s representatives use payment cards and are able to make on-line payments. The survey has also shown that this group of customers rarely visits bank offices personally. They prefer to access their financial resources through on-line channels.

Local government units are an attractive client for each bank. Cooperative banks have also seen it increasingly and more willingly to cooperate. They offer their services to smaller local governments. Local character and responsibility for the development of the region stimulate cooperation on many levels. Through effective co-operation, cooperative banks should become a local center of competence and trust, naturally contributing to the local economic climate. The share of local government units in receivables and liabilities of the cooperative banking sector in comparison with other groups is small, despite a steady increase for several years. However, its stabilization is more important than its growth, providing a lasting relationship between cooperative banks and local governments

This research had as main objective analyze digital limitations customers facing the new banking structure that involves systematization, automation and self-service. In reason of it is a market research that seeks to identify the sociodemographic profile of clients resistant to the use of Information and Communication Technologies (ICTs) in banking self-service in João Pessoa, it was considered more appropriate to use a positivist foundationalist and epistemological ontology supported by a quantitative approach. In this way, through the analysis performed about the digital limitations raised from customers it is concluded that themselves despite the constant growth of ICTs, there is a recurring phenomenon in the profile of users who experience difficulties in performing effective use of ICTs revealing that users with greater cognitive and behavioral limitations in using electronic channels have a prevalence among the public over 45 years old and with medium schooling. [ABSTRACT FROM AUTHOR]

The paper attempts to assess the extent of fi nancial exclusion of the rural population in Poland. One of the most basic measures of fi nancial exclusion is percentage of adult residents lacking a bank account. This and other measures verifying the population’s use of fundamental banking services and the statistical data on development of banking infrastructure in the territorial context were then employed to conduct an assessment of the extent and causes of fi nancial exclusion with a particular emphasis on the rural areas. The fi ndings show that, like in many other countries, the extent of provision of fi nancial services among the rural population is more limited compared to the urban population. The fi nancial exclusion, has much deeper roots going beyond the geographical factors. The real causes of the fi nancial exclusion lie not only in access to banking services but also in their price, the population’s income, as well as being strongly aff ected by information and behaviour.

Financial exclusion appears to be greater in rural areas than in cities. The article concludes that the problem is connected not only with the people of low incomes but also individuals running their own businesses e.g. farmers and small entrepreneurs. The extent and reasons for fi nancial exclusion among such entities have been identifi ed and accompanied by the analysis of access to banking services – the key to effective management. The source of empirical data relied on survey questionnaires of farmers and small entrepreneurs in the rural areas in the south-eastern region of Poland. It was stated that in case of persons running their own businesses fi nancial exclusions is mainly connected with a limited access to bank credit, yet the reasons for this situation are diverse. Apart from the internal factors associated with businesses (e.g. low and unstable incomes, aversion to risk, lack of confi dence in banks etc.), signifi cant determinants lie on the side of banks and the structure of fi nancial system in rural areas.

Copyright of Research Papers of the Wroclaw University of Economics / Prace Naukowe Uniwersytetu Ekonomicznego we Wroclawiu is the property of Uniwersytet Ekonomiczny we Wroclawiu and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Copyright of Research Papers of the Wroclaw University of Economics / Prace Naukowe Uniwersytetu Ekonomicznego we Wroclawiu is the property of Uniwersytet Ekonomiczny we Wroclawiu and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Copyright of Financial Sciences / Nauki o Finansach is the property of Uniwersytet Ekonomiczny we Wroclawiu and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Copyright of International Business & Global Economy is the property of Jagiellonian University Press and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Copyright of Konsumpcja i Rozwój is the property of Institute for Market, Consumption & Business Cycles Research and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Copyright of Research Papers of the Wroclaw University of Economics / Prace Naukowe Uniwersytetu Ekonomicznego we Wroclawiu is the property of Uniwersytet Ekonomiczny we Wroclawiu and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

A typical representative of the Generation Y, living at the turn of the century, is a mobile person - who feels himself as a citizen of the world, tolerant, open to new ideas, but quickly bored. He lives intensively and cannot imagine life without access to the Internet and mobile phone. It is a person taking care of his education and aware of its importance. Representatives of Gen Y's use banking services, mainly because of the convenience in managing their finance and time saving. They recognize the increased security of money deposited in the bank. Their decisions are often influenced by parents or friends and the information that they find in the virtual world. They are not convinced by such incentives as traditional advertising, and banks leaflets. Other factors that influence the bank selection by the Generation Y are fees, professional service staff, a network of cash machines and bank reputation. [ABSTRACT FROM AUTHOR]

The above article is an attempt of identification of the contemporary consumer in the polish banking services market, i.e. the consumer who is no longer passive participant involved in making purchases but evolves into an active prosument who affects both the offered service and accompanying marketing activities. What is more, in the presented article, an attempt to be made is to answer the question what influence both the new technology and information society development have on the intensity of the new trend of prosumption. [ABSTRACT FROM AUTHOR]