Warianty tytułu
Polish Credit Card Market in the Aspects of European Union Integration
Języki publikacji
Abstrakty
W artykule scharakteryzowano stan pierwotny i obecny polskiego rynku kart płatniczych oraz perspektywy rozwoju dotyczące np.: wprowadzenie kart z mikroprocesorem i międzynarodowych kart wypukłych. Autorka omówiła ekonomiczne, technologiczne i społeczne bariery wstrzymujące proces dostosowania polskiego rynku kart płatniczych do wymogów UE.
Polish credit card market is in the process of coming into being, which is shown by 30 percent of the share of cash cards. A tendency of passage from cash cards into online debit cards (Maestro, Visa Electron) and further to credit card (Visa Classic, Eurocard/Mastercard) or domestic ones (PolCard) is noticed. In order to develop its operation, the banks are forced to make a lot of investment into electronic appliances. Cash cards and especially international flat card development, is connected with necessity of introduction of higer number POS terminals and cash machines. Its number is much lower, comparing to the other countries of the European Union. In spite of higher number of credit cars a lack of specific law regulations considering card payments is noticed. Very few principles about the cards are general only. In such situation a Civil Law regulations are observed, but often they are inadequately. The general agreement between bank and a customer play the big part. These facts point to the urgent need of introduction of new regulations, considering wider card payment issues, describing the principles of data protection card trade security. An effective way of preparation of Polish credit cards system to European Union integration is exercising the contributation and help from the strategic partners: Visa International and Europay International. By their help, the initation of common technical infrastructure is possible, providing universal card acceptance and new credit cards introduction with European standard. By the cooperation with those associations an initation of new techological processes and products operation with is possible, which quality meets the requirements of the European Union. (original abstract)
Słowa kluczowe
Rocznik
Numer
Strony
247--258
Opis fizyczny
Twórcy
autor
Bibliografia
Typ dokumentu
Bibliografia
Identyfikatory
Identyfikator YADDA
bwmeta1.element.ekon-element-000000008259
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