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Mesoeconomic market analysis based on selected Big Data tools - the caste of wood market trends in Poland under economic uncertainty
The paper discusses selected trend changes in the Polish wood-based products market under conditions of economic uncertainty. From a mesoeconomic approach, using Big Data resources and online e-commerce tools, the wood market was analyzed from the perspective of demand and online user activity. In terms of time scope, the research covered the period 2019-2021, including the pandemic year. Secondary data based on Google Ads and Google Analytics were analyzed. The study used selected open-source analytical tools, including Google Keyword Planner and Data Studio. The controversial hypothesis, which assumes that potential demand for wood and wood-based products shows a sustainable trend even under economic uncertainty, was verified. The findings were visualized and discussed. As a result, although the rationale for confirming the assumed hypothesis was not obtained. However, the results of the research proved to be interesting, out of the box. It turned out that the popularity and multifaceted use of wood is not limited by typical barriers. The consequence of the market situation is a growing demand for wood, but at the same time a supply deficit. This is a challenge for the wood market benchmarking and formulating practical recommendations for economic policy in the wood-based sector in Poland.
The ‘Credit Portrait’ of Small-Town Residents as a Support Tool for Economic Assessment in Local Policy: the Case of Poland
Dilemmas of bank activities under economic uncertainty - selected examples from the Polish market during the pandemic period
The paper discusses the issue of identifying selected aspects of banking sector activity in Poland under conditions of economic uncertainty. In terms of time scope, the conditions of the pandemic were taken into account, including the years 2018-2020. In an attempt to identify the most important business dilemmas of banking, the case study of PKO BP bank has been selected for analysis. Based on its own research, it was noted that the year 2020, precisely because of the coronavirus pandemic, somehow forced sectoral changes in the financial enterprise management. The study verified the hypothesis that the bank’s overall financial performance is affected not only by management decisions, but also by external factors that are difficult to predict. Institutional decisions of the central bank and the government are also a consequence of macroeconomic uncertainty. It was noted that as a result of the National Bank of Poland’s monetary policy in 2020, the evaluated bank PKO BP reported, compared to 2019, a financial loss (almost -3.0 billion PLN), including: a decrease in general revenues (-9.05%), as well as a decrease in interest income due (-6.90%). Finally, based on the descriptive analysis and the discussion of the study results, the most important conclusions and recommendations were formulated.
Quality assessment of selected mobile banking services in the users' opinion - the case of Sulęcin county
The study discusses the quality assessment of selected mobile banking services, verified on the users’ opinion case. For the service research offered by banks operating in Sulęcin county in western Poland (Lubuskie), customers living in this territory were invited. The survey was conducted in 2024. In spatial scope, they concerned territory located mostly in rural areas: 5 municipalities, including 3 urban-rural municipalities and 2 rural municipalities in Sulęcin county. The survey was a pilot study. Using the diagnostic survey method, the opinions of more than 400 invites were collected. A random sampling was carried out, setting the minimum sample size as adequate for a statistical representative sample. A proprietary survey questionnaire was developed, consisting of 19 closed-ended questions and an informative metric. Responses were programmed according to a five-point Likert scale, and the results were aggregated and discussed. The study also used an individual in-depth interview technique, comparative and descriptive analysis. As a result, it was noted that the vast majority of Sulęcin county residents who are bank customers just use mobile banking services. The most common uses are so-called fast payments, “traditional” bank transfers and downloading information, that is, checking account balances. Popularity has proven to be a mirror of usability and quality of services. The high quality assessment of mobile banking services, according to residents surveyed, was determined primarily by the relative ease of access and use of mobile applications, speed of operation, convenience and flexibility of usage location, time savings, and trust, requiring confidence in the security of transactions. Despite the positive quality assessment of mobile services, it is worth noting the potential risks formulated as key recommendations. These mainly concern the reduction of technical problems in the mobile application use, as well as the constantly emerging cyber security threats.
E-banking security dilemmas of users living in rural areas - the case of Konin county in Wielkopolska
The aim of the study was to identify selected threats to e-banking security in the opinion of rural residents, on the case of Konin County. Available e-banking services were analysed against the background of cybercrime threats. The research was conducted in the year 2019. In the spatial scope, it concerned Wielkopolska and the territory of the Konin County, which consists of 14 municipalities, including 5 urban-rural municipalities and 9 rural municipalities. Using the method of diagnostic survey, on a sample of almost 400 people invited to the study, the results were collected. The majority of respondents were rural residents. The survey questionnaire consisted of 22 closed questions and information data. Suggested answers were programmed according to a five-point Likert scale. The study used Pearson’s chi-square statistical test of independence, comparative and descriptive analysis. Calculations were performed in MS Excel. As a result, a relatively high level of interest in e-banking among the residents of Konin county was indicated. More than 90% of respondents, primarily rural residents, use online banking. This is especially applicable to retail payments, as well as successive control of the household budget. E-banking’s usability is mostly determined by: time saving, a widespread availability of services and convenience. Despite the awareness of risks, the level of security of online banking inspires confidence among respondents. Therefore, social and legal responsibility of the banking sector for electronic transaction security is recommended. This is justified by the majority of respondent opinions that traditional banking will be eliminated in the future by e-commerce tools, including e-banking.
The role of consumer price expectations in shaping inflation
The purpose of the study is to assess the role of consumer price expectations in shaping inflation, taking into account changes in the economic environment. The analysis will be carried out on the example of Poland for a period of relatively good economic prosperity and periods of its collapse due to the occurrence of the 2007+ financial crisis and the COVID-19 pandemic and the war in Ukraine. The adopted objective and the related main areas of analysis determined the layout and empirical nature of the article, which consists of three parts and a conclusion. The first reviews the literature on the impact of price expectations on the economy. Then, the subject and temporal scope of the study conducted are presented, and the research method used is discussed. The results of the empirical analysis of the role of price expectations in driving inflation on the example of Poland are included in the third part of the article. The conclusion of the paper formulates the most important conclusions resulting from the analysis. The obtained results of the conducted research are also discussed in the context of the challenges of developing artificial intelligence.
Selected aspects of e-banking services perception based on users' opinion - the case of Pleszew county residents in the Wielkopolska region
W pracy analizowano wybrane aspekty percepcji usług bankowości elektronicznej, bazując na opinii użytkowników. Celem badań była ocena rzeczywistej dostępności usług bankowych dla mieszkańców powiatu pleszewskiego w południowej Wielkopolsce. Badanie o charakterze pilotażowym przeprowadzono na przełomie lat 2021-2022. Opracowano autorski kwestionariusz ankiety złożony z 24 pytań zamkniętych i metryki informacyjnej Stosując metodę sondażu diagnostycznego, zebrano opinie reprezentacyjnej próby klientów banków z terenu 6 gmin. Respondentów identyfikowano ze względu na płeć, wiek, miejsce zamieszkania, wykształcenie i aktywność zawodową. Uzyskane wyniki zagregowano i poddano dyskusji, wykorzystując narzędzia analizy porównawczej i deskryptywnej. Stwierdzono, że zdecydowana większość mieszkańców powiatu pleszewskiego, będąca klientami banków korzysta z usług e-bankowości. Dotyczy to w szczególności bankowości internetowej, mobilnej, terminalowej i kart płatniczych. Użytkownicy wykonywali głównie przelewy elektroniczne, płatności w sklepach (karty płatnicze i technika BLIK), a także kontrolowali saldo swojego konta. Można stwierdzić, że mimo ryzyka wynikającego z niepewności gospodarczej (pandemia), mieszkańcy powiatu pleszewskiego nie pozostali grupą wykluczoną finansowo. Chętnie korzystali z różnych kanałów komunikacji w e-bankowości i byli zadowoleni z nowoczesnych usług bankowych. Pozytywna ocena dostępności bankowych usług elektronicznych nie oznacza jednak braku obaw użytkowników przed potencjalnymi zagrożeniami. Dotyczyły one w szczególności problemów z obsługą aplikacji internetowych i mobilnych, a także konieczności podniesienia poziomu bezpieczeństwa transakcji, w tym zwłaszcza ochrony danych osobowych i cyberbezpieczeństwa.