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SCIENCE ARTICLE
The Impact of Electronic Banking on Banking Deposits: The Case of Poland
1
, Poland
These authors had equal contribution to this work
Submission date: 2025-03-11
Final revision date: 2025-05-05
Acceptance date: 2025-06-04
Online publication date: 2025-06-25
Publication date: 2025-07-16
Corresponding author
Konrad Rojek
Wydział Ekonomii i Finansów/Katedra Finansów, Ubezpieczeń i Rachunkowości, Uniwersytet Radomski im. Kazimierza Pułaskiego, Bolesława Chrobrego 31, 26-600, Radom, Poland
Wydział Ekonomii i Finansów/Katedra Finansów, Ubezpieczeń i Rachunkowości, Uniwersytet Radomski im. Kazimierza Pułaskiego, Bolesława Chrobrego 31, 26-600, Radom, Poland
Management 2025;(1):719-744
KEYWORDS
JEL CLASSIFICATION CODES
G21
L86
O33
TOPICS
ABSTRACT
Research background and purpose:
The aim of this paper is to study the trends in the development of e-banking in Poland and its impact on the volume of deposits on bank accounts.
Design/methodology/approach:
General scientific and empirical methods and tools of economic science, methods of analysis and synthesis, comparison, summary and grouping were used in the study. GRETL software was used to model the relationship between the indicators of e-banking development and the volume of deposits in the Polish banking sector.
Findings:
The indicators of e-banking development in Poland show a positive trend, but still remain lower than in EU countries with a high level of online banking development. There has been a growing trend in the number of "mobile only" users, i.e., m-banking is the main channel of banking services for customers. The developed model of the relationship between e-banking indicators and the volume of deposits in Polish banks confirmed the existence of a significant dependence between the number of active e-banking users and the increase in deposit resources.
Value added and limitations:
It has been confirmed that an increase in the number of e-banking users contributes to an increase in bank deposits. The existence of such a relationship indicates that only those banks that use advanced technologies in their operations and adapt to the customers’ needs will be effective and competitive in the market.
The aim of this paper is to study the trends in the development of e-banking in Poland and its impact on the volume of deposits on bank accounts.
Design/methodology/approach:
General scientific and empirical methods and tools of economic science, methods of analysis and synthesis, comparison, summary and grouping were used in the study. GRETL software was used to model the relationship between the indicators of e-banking development and the volume of deposits in the Polish banking sector.
Findings:
The indicators of e-banking development in Poland show a positive trend, but still remain lower than in EU countries with a high level of online banking development. There has been a growing trend in the number of "mobile only" users, i.e., m-banking is the main channel of banking services for customers. The developed model of the relationship between e-banking indicators and the volume of deposits in Polish banks confirmed the existence of a significant dependence between the number of active e-banking users and the increase in deposit resources.
Value added and limitations:
It has been confirmed that an increase in the number of e-banking users contributes to an increase in bank deposits. The existence of such a relationship indicates that only those banks that use advanced technologies in their operations and adapt to the customers’ needs will be effective and competitive in the market.
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| eISSN: | 2299-193X |
| ISSN: | 1429-9321 (1997-2019) |
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