IDEAS home Printed from https://ideas.repec.org/a/ers/journl/vxxviiy2024i3p1327-1340.html
   My bibliography  Save this article

Banks in Poland in the Context of the Development of Communication Infrastructure in the Digital Economy

Author

Listed:
  • Agnieszka Budziewicz-Guzlecka
  • Mariusz Wozniakowski

Abstract

Purpose: The aim of this article is to attempt to identify the use of modern information and communication tools by banks operating in Poland. Design/Methodology/Approach: Banks were audited in two areas: the use of social media and modern technologies in banking access channels for customers. The study was carried out in October 2018 and repeated in April 2024. This gave the opportunity to observe changes in the scope of ICT solutions used by banks over 6 years. In order to eliminate errors in identifying the communication tools used by banks, each time the study was carried out by two auditors - the authors of this study. Additionally, a critical analysis of the literature was used. Findings: Banks operating in Poland actively use tools that fit into the concept of modern technologies. Polish banks are classified among the most innovative banks in the world. Practical Implications: To effectively build customer engagement, it is not enough to create holistic experiences through various channels, an individual approach and constant optimization of the actions taken are also necessary. The combination of the optichannel and omnichannel approach is the key to success, which can be achieved by using the right banking solutions. Originality/value: The article presents the results of own desk research. The issue presented has not previously been addressed in discussions published internationally.

Suggested Citation

  • Agnieszka Budziewicz-Guzlecka & Mariusz Wozniakowski, 2024. "Banks in Poland in the Context of the Development of Communication Infrastructure in the Digital Economy," European Research Studies Journal, European Research Studies Journal, vol. 0(3), pages 1327-1340.
    • Handle: RePEc:ers:journl:v:xxvii:y:2024:i:3:p:1327-1340
    as

    Download full text from publisher

    File URL: https://ersj.eu/journal/3839/download
    Download Restriction: no
    ---><---

    References listed on IDEAS

    as
    1. R. Rupeika-Apoga & S.H. Zaidi & Y.E. Thalassinos & E.I. Thalassinos, 2018. "Bank Stability: The Case of Nordic and Non-Nordic Banks in Latvia," International Journal of Economics & Business Administration (IJEBA), International Journal of Economics & Business Administration (IJEBA), vol. 0(2), pages 39-55.
    2. Shakeel Ahmed & M. Ejaz Majeed & Eleftherios Thalassinos & Yannis Thalassinos, 2021. "The Impact of Bank Specific and Macro-Economic Factors on Non-Performing Loans in the Banking Sector: Evidence from an Emerging Economy," JRFM, MDPI, vol. 14(5), pages 1-14, May.
    3. Eleftherios Thalassinos & Diana-Mihaela Pociovalisteanu, 2007. "A Time Series Model for the Romanian Stock Market," European Research Studies Journal, European Research Studies Journal, vol. 0(3-4), pages 57-72.
    4. Eleftherios Thalassinos & Theodore V. Stamatopoulos, 2015. "The Trilemma and the Eurozone: A Pre-announced Tragedy of the Hellenic Debt Crisis," International Journal of Economics & Business Administration (IJEBA), International Journal of Economics & Business Administration (IJEBA), vol. 0(3), pages 27-40.
    5. repec:ers:journl:v:vi:y:2018:i:2:p:39-55 is not listed on IDEAS
    6. Eleftherios I. Thalassinos & Bozhana Venediktova & Daniela Staneva-Petkova & Vicky Zampeta, 2013. "Way of Banking Development Abroad: Branches or Subsidiaries," International Journal of Economics & Business Administration (IJEBA), International Journal of Economics & Business Administration (IJEBA), vol. 0(3), pages 69-78.
    Full references (including those not matched with items on IDEAS)

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. Assefa Belay, 2024. "Determinants of Bank Profitability on the Example of a Commercial Bank in Ethiopia," International Journal of Economics & Business Administration (IJEBA), International Journal of Economics & Business Administration (IJEBA), vol. 0(3), pages 121-138.
    2. Donjeta Morina, 2020. "Determinants of Credit Risk in Commercial Banks of Kosovo," International Journal of Economics & Business Administration (IJEBA), International Journal of Economics & Business Administration (IJEBA), vol. 0(2), pages 179-190.
    3. Malek Khojasteh Nejad, 2014. "Clustering Stock Exchange data by Using Evolutionary Algorithms for Portfolio Management," European Research Studies Journal, European Research Studies Journal, vol. 0(4), pages 55-66.
    4. Maria Rosa Borges & Ana Sofia Tavares, 2020. "Determinants of Bank Performance in the Context of Crisis: A Panel Data Analysis for Portugal," European Research Studies Journal, European Research Studies Journal, vol. 0(4), pages 674-686.
    5. Natalia G. Vovchenko & Evgeniy N. Tishchenko & Tatiana V. Epifanova & Mark B. Gontmacher, 2017. "Electronic Currency: The Potential Risks to National Security and Methods to Minimize Them," European Research Studies Journal, European Research Studies Journal, vol. 0(1), pages 36-48.
    6. Dr. K. Vijayakumar & G.P. Ralesh, 2024. "Cross-Selling's Constraints and Solutions in Banking Industry," International Journal of Finance, Insurance and Risk Management, International Journal of Finance, Insurance and Risk Management, vol. 14(4), pages 3-12.
    7. Sylwia Klus & Artur Stefanski & Zuzanna Urbanowicz & Leszek Wanat, 2024. "Capital Adequacy Standards on the Case of Selected Banks in Poland Under Economic Uncertainty," European Research Studies Journal, European Research Studies Journal, vol. 0(2), pages 517-530.
    8. Bernard Kokczynski & Dorota Witkowska & Blazej Socha, 2024. "Predicting Bankruptcy: Insights from Polish Non-Public Companies (2019–2022)," European Research Studies Journal, European Research Studies Journal, vol. 0(Special A), pages 252-264.
    9. Mustafa Raza Rabbani & Shahnawaz Khan & Eleftherios I. Thalassinos, 2020. "FinTech, Blockchain and Islamic Finance: An Extensive Literature Review," International Journal of Economics & Business Administration (IJEBA), International Journal of Economics & Business Administration (IJEBA), vol. 0(2), pages 65-86.
    10. repec:ers:journl:v:volumexxi:y:2018:i:issue4:p:512-523 is not listed on IDEAS
    11. Athanasios L. Athanasenas & Constantinos Katrakilidis, 2008. "An Eclectic Causality Model for Income Growth: Evidence from Greece," European Research Studies Journal, European Research Studies Journal, vol. 0(1-2), pages 31-46.
    12. T.V. Shatkovskaya & N.G. Romanenko & Y.A. Naumenko & E.A. Parshina, 2017. "The Problem of Individualization of Legal Entities in Terms of Innovative Development of the Russian Federation and the European Union Economy," European Research Studies Journal, European Research Studies Journal, vol. 0(1), pages 162-171.
    13. Jamil, Abd Rahim Md. & Law, Siong Hook & Mohamad Khair-Afham, M.S. & Trinugroho, Irwan, 2023. "Financial inclusion and economic uncertainty in developing countries: The role of digitalisation," Economic Analysis and Policy, Elsevier, vol. 79(C), pages 786-806.
    14. R.V. Shekhovtsov & S.N. Shchemlev, 2017. "State Investment Policy and Priorities of Macroeconomic Structure of Regional Economy Transformation," European Research Studies Journal, European Research Studies Journal, vol. 0(3B), pages 148-162.
    15. Elisa Di Febo & Eliana Angelini, 2022. "The Wavelet Analysis: The Case of Non-Performing Loans in China," Risks, MDPI, vol. 10(2), pages 1-16, February.
    16. Nour Mohamad Fayad, 2024. "The Causality Between Corruption and Economic Growth in MENA Countries: A Dynamic Panel-Data Analysis," International Journal of Finance, Insurance and Risk Management, International Journal of Finance, Insurance and Risk Management, vol. 14(1), pages 28-49.
    17. Elena G. Popkova & Elena Y. Zolochevskaya & Svetlana A. Litvinova & Yuliya S. Zima, 2017. "New Scenarios of Joint Crises Fighting in Socio-Economic Sphere of Russia and Greece," European Research Studies Journal, European Research Studies Journal, vol. 0(1), pages 49-55.
    18. repec:ers:journl:v:v:y:2017:i:1:p:3-17 is not listed on IDEAS
    19. MBelen Salas & Prosper Lamothe & Enrique Delgado & Angel L. Fernández-Miguélez & Lucia Valcarce, 2024. "Determinants of Nonperforming Loans: A Global Data Analysis," Computational Economics, Springer;Society for Computational Economics, vol. 64(5), pages 2695-2716, November.
    20. Vitaliy Vasilievich Biryukov & Elena Vasilievna Romanenko, 2017. "Economic Behavior of Business Entities, Culture and Institutions: Specifics of their Interrelations in Conditions of Neo-Industrialization," European Research Studies Journal, European Research Studies Journal, vol. 0(4A), pages 370-385.
    21. Izabela Bludnik, 2023. "Central Bank Digital Currency and the Cashless Economy:The African Experience," European Research Studies Journal, European Research Studies Journal, vol. 0(3), pages 314-324.
    22. Petr Jakubik & Eyup Kadioglu, 2022. "Factors affecting bank loan quality: a panel analysis of emerging markets," International Economics and Economic Policy, Springer, vol. 19(3), pages 437-458, July.

    More about this item

    Keywords

    Digital transformation; virtual space; omnichannel; bank; social media; ICT.;
    All these keywords.

    JEL classification:

    • G2 - Financial Economics - - Financial Institutions and Services
    • O3 - Economic Development, Innovation, Technological Change, and Growth - - Innovation; Research and Development; Technological Change; Intellectual Property Rights
    • M3 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Marketing and Advertising

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:ers:journl:v:xxvii:y:2024:i:3:p:1327-1340. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Marios Agiomavritis (email available below). General contact details of provider: https://ersj.eu/ .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.