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Changes in Banking Credit Assessment of Individuals in the Local Financial Services Market

cris.lastimport.scopus2025-10-23T07:01:07Z
cris.virtual.author-orcid0000-0003-2477-8610
cris.virtual.author-orcid#PLACEHOLDER_PARENT_METADATA_VALUE#
cris.virtualsource.author-orcide4d30d3a-34f6-47d3-8aca-81c58e600956
cris.virtualsource.author-orcid#PLACEHOLDER_PARENT_METADATA_VALUE#
dc.abstract.enPurpose: The study discussed changes in banking creditworthiness, from the perspective of consumers, individuals. The changes assessment was based on criteria and data obtained in the local financial services market, using the example of the Poznan agglomeration. Design/Methodology/Approach: The research is based, first, on secondary data. The results of the financial knowledge analysis of retail customers of Polish banks and their financial reports. Then, on the basis of selected criteria, a survey of bank customers' opinions in the Poznań agglomeration, in Poland, was developed and revealed. The survey was carried out by a diagnostic survey method in the period of 2023-2024, with 100 respondents using the technique of individual in-depth interview. Findings: The descriptive analysis confirmed that individual consumers' knowledge of how to assess their own creditworthiness is insufficient. The assessment criteria were identified from the positive perspective (level of personal income, credit history, stability of employment), as well as from the negative perspective (lack or weakness of credit security, instability of employment, irregular family situation, economic uncertainty). In this context, particularly sensitive risk areas of the banking business were identified. Practical Implications: In business practice, monitoring key credit scoring factors informs both customers and banks, the business risk. A ‘handy barometer’ of individual creditworthiness verification can therefore be drawn up and used. Originality/Value: Permanent assessment of creditworthiness rating factors of individuals, based on selected evaluation measures, allows monitoring of personal risk and also the risk of banking activities under conditions of economic uncertainty.
dc.affiliationWydział Ekonomiczny
dc.affiliation.instituteKatedra Finansów i Rachunkowości
dc.contributor.authorKlus, Sylwia
dc.contributor.authorPiechocka, Magdalena
dc.date.access2025-01-15
dc.date.accessioned2025-03-10T07:24:18Z
dc.date.available2025-03-10T07:24:18Z
dc.date.copyright2024-10
dc.date.issued2024
dc.description.accesstimeat_publication
dc.description.bibliographybibliogr.
dc.description.financepublication_nocost
dc.description.financecost0,00
dc.description.numberSpecial Issue A
dc.description.points100
dc.description.versionfinal_published
dc.description.volume27
dc.identifier.doi10.35808/ersj/3878
dc.identifier.issn1108-2976
dc.identifier.urihttps://sciencerep.up.poznan.pl/handle/item/2555
dc.identifier.weblinkhttps://ersj.eu/journal/3878
dc.languageen
dc.relation.ispartofEuropean Research Studies Journal
dc.relation.pages1019-1033
dc.rightsCC-BY
dc.sciencecloudnosend
dc.share.typeOPEN_JOURNAL
dc.subject.enbanking
dc.subject.enlocal financial market
dc.subject.enbanking services
dc.subject.encredit assessment
dc.subject.enPoznań
dc.titleChanges in Banking Credit Assessment of Individuals in the Local Financial Services Market
dc.typeJournalArticle
dspace.entity.typePublication
oaire.citation.issueSpecial Issue A
oaire.citation.volumeXXVII