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Uwarunkowania akceptacji kart płatniczych w handlu i usługach detalicznych w Polsce

Author

Listed:
  • Michał Polasik

    (Uniwersytet Mikołaja Kopernika w Toruniu)

  • Jerzy Marzec

    (Uniwersytet Ekonomiczny w Krakowie)

Abstract

Głównym celem badań było poznanie determinant akceptowania kart płatniczych przez podmioty handlowo-usługowe w Polsce. Dane empiryczne uzyskano w ramach dwóch reprezentatywnych badań ankietowych, obejmujących przedsiębiorstwa i konsumentów. Uwarunkowania decyzji podejmowanych przez handlowców w zakresie rozpoczęcia akceptowania kart płatniczych zbadano z użyciem modelu logitowego. Wyniki badań wskazały, że duża skala działalności przedsiębiorstwa, mierzona liczbą pracowników oraz placówek, a także organizacja w ramach sieci handlowej bardzo silnie, pozytywnie wpływają na szansę akceptacji kart płatniczych. Czynnikiem, który sprzyja takiej decyzji, jest także deklarowane zainteresowanie podmiotu obsługą płatności mobilnych, świadczące o skłonności do innowacji. Bardzo ważną determinantą okazała się być presja ze strony konkurentów, ponieważ w niektórych branżach przedsiębiorstwa akceptują karty jako oczekiwany standard obsługi klienta. Wykazano, że potencjalny popyt ze strony konsumentów w lokalizacjach działania przedsiębiorstwa był istotnym czynnikiem zwiększającym prawdopodobieństwo akceptowania kart przez podmiot. Stanowi to empiryczne potwierdzenie występowania, postulowanego przez teorię, wpływu pośredniego efektu sieciowego na uczestników rynku kart płatniczych.

Suggested Citation

  • Michał Polasik & Jerzy Marzec, 2018. "Uwarunkowania akceptacji kart płatniczych w handlu i usługach detalicznych w Polsce," Bank i Kredyt, Narodowy Bank Polski, vol. 49(4), pages 404-432.
    • Handle: RePEc:nbp:nbpbik:v:49:y:2018:i:4:p:405-432
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    References listed on IDEAS

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    More about this item

    Keywords

    karty płatnicze; obrót bezgotówkowy; model logitowy; sprzedaż detaliczna; efekty sieciowe;
    All these keywords.

    JEL classification:

    • C35 - Mathematical and Quantitative Methods - - Multiple or Simultaneous Equation Models; Multiple Variables - - - Discrete Regression and Qualitative Choice Models; Discrete Regressors; Proportions
    • D22 - Microeconomics - - Production and Organizations - - - Firm Behavior: Empirical Analysis
    • E42 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Monetary Sytsems; Standards; Regimes; Government and the Monetary System

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