BNPL and online loans, possible to obtain quickly, will eventually displace credit cards. Newer generations, who will engage with credit services, understand BNPL loans very well, while a credit card is often perceived as a product difficult to understand and inconvenient.
New regulations at the national level are anticipated to strengthen the largest alternative financial service providers in the lending sector, while causing the smallest companies to resign from lending activities, being unable to meet higher regulatory requirements. These companies may change their business profiles – for example, to financial intermediation.
Directive (EU) 2023/2225 of the European Parliament and of the Council of 18 October 2023 on consumer credit agreements aims to modernise and strengthen European protection of consumers applying for such credit. The Consumer Credit Directive is meant to ensure that consumers can make an informed choice when applying for credit.
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Understand the latest market trends and future growth opportunities for the Consumer Credit industry in Poland with research from Euromonitor International's team of in-country analysts – experts by industry and geographic specialisation.
Key trends are clearly and succinctly summarised alongside the most current research data available. Understand and assess competitive threats and plan corporate strategy with our qualitative analysis, insight and confident growth projections.
If you're in the Consumer Credit industry in Poland, our research will help you to make informed, intelligent decisions; to recognise and profit from opportunity, or to offer resilience amidst market uncertainty.
Consumer Credit
Non-mortgage consumer debt extended to individuals for personal or household use including installment loans and credit cards. Examples of consumer credit include auto lending, card lending, durables lending, education lending, home lending and other personal loans. Consumer credit includes both revolving and non-revolving credit.
See all of our definitionsThis report originates from Passport, our Consumer Credit research and analysis database.
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