The financial market plays a key role in the economy, influenced by macroeconomic factors, global economic conditions, and the situation in the eurozone. The stability of this market depends on the interconnections of financial entities and their cooperation with other sectors of the economy. To support investors, Poland has implemented investment analysis and execution programs. Thanks to these initiatives, despite challenges in the eurozone, Poland achieved high economic growth in 2024, with GDP increasing by 3.2% year-on-year in the second quarter of 2024.

Micropayments

Electronic payments, including micropayments, are financial transactions conducted over the internet using computers, phones, or tablets. They are fast and convenient—often completed with a single click, encouraging impulsive purchases. Micropayments are commonly used for purchasing digital products such as access to articles, music, or games. The electronic payments market in Poland is growing dynamically—in April 2024, transaction value increased by 14.2% compared to the previous year.

At the same time, mobile commerce is developing three times faster than traditional e-commerce. In 2024, the value of the m-commerce market in Poland reached 118 billion PLN. Poland is among the leaders in this sector within the European Union.

Multisystems

Multisystems integrate electronic payment systems with loyalty programs. They enable the consolidation of various cards into a single tool, simplifying payments and allowing users to take advantage of discounts and loyalty programs. This solution, also known as a multi-card, integrates multiple functions into one card, meeting user needs. In Poland, the implementation of such systems is still in its early stages, but interest in them is steadily growing. Examples of multi-cards include student IDs or city cards that combine payment functions with other services. Innovations of this kind require further investment, but their potential is enormous. Multisystems can significantly enhance payment security through modern technologies such as data encryption.

Investment Funds

The year 2024 saw a significant increase in investments in low-risk funds, such as debt and cash funds. In February 2024, domestic investment funds raised 1.9 billion PLN, while equity funds achieved the highest level of inflows since 2008. The popularity of equity funds was driven by a bull market in foreign exchanges, such as the USA and Germany. The mixed fund segment also recorded positive results, primarily due to the stable growth of investments. Absolute return funds attracted an additional 160 million PLN, indicating growing investor confidence in this form of capital allocation. Closed-end investment funds (FIZ) stand out for their flexibility and security, making them an attractive option for investors.