Poles want to save for their future and willingly reach for the publications that bring them closer to them. The proof is the success of the “Financial Portrait of Poles” report prepared by Maison & Partners for Business Insider and PKO Bank Polski.
The number of downloads has exceeded the wildest expectations – As many as 226,000 reached for the report. 451 people. Poles are certainly not a stranger to Poles – the study shows that 80 percent of us have smaller or larger sumswhich will help us survive if necessary. Those who do not save, complain about too low income or admit that they cannot do it. However, from among those saving three -quarters, he claims that saving gives them pleasure.
Financial portrait of Poles. Main conclusions
Which is why We prefer to save than borrow – A quarter of us definitely tries to avoid it, but sometimes it is necessary. Especially if important matters or large needs are involved. And these include, for example, buying your own apartment – for this reason half of us have made the obligations. On the other hand, Poles admit that the most common goal, which they lacked money, was to buy RTV/household appliances or small electronics or car.
On the other hand The most commonly served expenditure, which is a pity for Poles, is money in the premises – as many as a third of the respondents indicated this. Much lower, although still at the top of the list, there are issues regarding self -care: services related to the beauty segment (hairdresser, beautician, etc. – 22 %) as well as clothes, footwear and accessories (21 percent).
According to the study, thinking about money, Poles experience quite ambivalent emotions, most often it is satisfaction – so 38 percent admitted. respondents and joy – 24 percent, although also stress – here also fell 24 percent. affirmative answers and anxiety – 17 percent As much as 67 percent respondents are of the opinion that in the past no one has prepared them well enough to properly manage finances in adulthood.
No wonder that 96 percent Poles believe that it should be educated financially from an early age. It is more terrifying that every third countryman agrees with the statement that a lot of money cannot be earned in an honest way. Almost the same (31 percent) admits that he is jealous of having a lot of money.
The report also showed that We are fragile with us with knowledge about finances and financial instruments. We usually describe our knowledge about financial issues as average, with men know better than women. For example, most Poles are probably aware of how the Belka tax works and rather realizes that not everyone is binding on a flat tax. Three -quarters of us also understand that the decrease in inflation is not synonymous with a decrease in product prices in stores.
It is positive that we appreciate how artificial intelligence helps us in everyday banking, improves processes and increases transaction security. Almost 80 percent Of us, we use the application of banks in which it serves available products. This applies especially to young people up to 34 years old and men. Most – as much as 68 percent Poles are of the opinion that the development of AI will facilitate their daily money management. At the same time, however, 55 percent Societies have rather great concerns in connection with the use of AI in finance, and a possible desire and aversion to the use of financial solutions based on this technology divides Poles in half.
Small amounts are enough for investment. “Knowledge is still a barrier”
The report expressed exhaustively our attitude towards finances, and special thanks for its creation are due to the partner of the undertaking – Bank PKO BP. Marcin Szymkowiak, director of the marketing division at PKO Bank Polski, admits that the financial portrait of Poles is a project in which the bank became convinced by.
– over 12 thousand people completed an extensive test about the approach to money, which allowed to build a comprehensive report. We are satisfied that the report has already been downloaded over 220 thousand. times – says Marcin Szymkowiak. – It is a clear signal for us that money and financial future are socially important topics – he adds.
He admits that among many applications from the report, one of the most interesting is to observe that interest in investing is growing. Let's remind – according to the report Two -thirds of Poles already know that smaller amounts are enough to start investing.
– Knowledge is still a barrier. Therefore, an important task for us, as the largest bank in Poland, is education and support in responsible planning the financial future by our clients – assures Marcin Szymkowiak.
