波蘭金融科技行業(yè)市場前景及投資研究報(bào)告-培訓(xùn)課件外文版2024.5

DIGITAL

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TRENDSFinTechinPolandCHAPTER

01OverviewNumberofFinTechcompaniesinPolandfrom2018to2023NumberofFinTechcompaniesinPoland20234003603502993002502001501005027422620516702018201920202021202220235Description:Duringtheobservedperiod,thenumberoffintechinPolandhasbeenincreasingsystematically.In2023,360Fintechcompanieswereoperatinginthecountry.ReadmoreNote(s):Poland;2018to2023;FintechcompaniesfromPolandSource(s):Cashless.pl;MasterCardNumberofemployeesinFinTechcompaniesinPolandfrom2021to2022NumberofemployeesinFinTechcompaniesinPoland2021-20222021202245%40%35%30%25%20%15%10%5%40%39%35%32%16%16%13%9%0%to1011-5051-100Over1006Description:MostPolishFintechcompaniesemploybetween11and50people.However,thenumberofFintechswithover100employeesin2022increasedby10.2percentcomparedtothepreviousyear.

ReadmoreNote(s):Poland;2021to2022Source(s):FintechPoland;PolishFinancialOversightCommission;PolskaAgencjaInwestycjiiHandluFintechdistributioninPolandin2023,byannualrevenuesFintechdistributioninPoland2023,byannualrevenues30%28%28%28%25%20%15%10%5%16%0%Lessthan0mPLNUpto1mPLN1mPLN-10mPLNOver10mPLN7Description:In2023,28percentofFinTechcompanyinPolandbroughtinupto10millionzlotyinrevenue.ReadmoreNote(s):Poland;2023Source(s):Cashless.pl;MasterCardFinTechcompaniesinPolandbetween2022and2023,bytypeofbusinessFinTechcompaniesinPoland2022-2023,bytypeofbusinessShareofrespondents202310%20220%5%15%20%25%30%19.7%PaymentsLoansandcreditsInsurtechManagementofpersonalfinancesSoftwaresuppliersCyberSecurityManagementofcompanyfinancesOnlinefactoring24.8%9.1%9.1%8.6%8.1%8.1%6%7.4%5.7%10.7%3%3%6.1%6.1%7.7%5.1%Crowdfunding5.7%5.1%AI3.3%3%Blockchainandcrypto-currenciesOnlinecurrencyexchangeofficesDeferredpaymentsOther3%3%6.7%2.5%2.5%8Description:ThemostsignificantnumberofPolishFinTechcompaniesoperateinthepaymentsector-nearly20percentin2023.LoanandcreditcompaniesandInsurtechfollowedthis.MorethanfivepercentwereAIcompanies.

ReadmoreNote(s):Poland;2022and2023Source(s):Cashless.pl;FundacjanarzeczInnowacjiFinansowychFinTechPolska;KrajowaIzbaRozliczeniowa;VisaInc.FintechdistributioninPolandfrom2021to2023,bye-commercebusinessmodelFintechdistributioninPoland2021-2023,bye-commercebusinessmodel20212022202370%65%60%50%40%30%20%10%0%55%51%40%31%23%B2C23%18%12%8%3%3%B2BB2B2CB2B2B9Description:In2023,55percentofFintechcompaniesinPolandweretargetingothercompanies.Individualcustomersweretherecipientsamong12percentofFintechcompanies.ReadmoreNote(s):Poland;2021to2023Source(s):Cashless.pl;MasterCardAgeofFintechcompaniesinPolandfrom2021to2022,byyearofestablishmentAgeofFinTechcompaniesinPoland2021-20222021202260%50%40%30%51.7%44%20%20%15%15%13.3%11.7%10%10%0%6%5%5%3.3%To20002001-20052006-20102011-20152016-20202021-202210Description:By2022,oneintwoFinTechshadbeeninbusinessthreetosevenyears.NewlyfoundedFinTechsaccountedforsixpercent.ReadmoreNote(s):Poland;2021to2022Source(s):Cashless.pl;MasterCardSizeofFinTechcompaniesintermsofemploymentinPolandfrom2020to2023SizeofFinTechcompaniesintermsofemploymentinPoland2020-2023Upto10employees11-5051-100Over100employees39%50%45%40%35%30%25%20%15%10%5%43%40%35%33%32%31%27%25%16%16%15%13%13%13%9%0%202020212022202311/statistics/1126544/size-of-fintech-companies-in-terms-of-employment-in-polandThreeoutoftencompaniesoperatingintheFinTechindustryinPolandemployedbetween11and50peoplein2023.However,thenumberofcompanieshiringmorethan100peopleincreasedby12percentagepointscomparedtothepreviousyear.ReadmoreNote(s):Poland;2020to2023Source(s):Cashless.pl;FundacjanarzeczInnowacjiFinansowychFinTechPolska;MasterCard;O;PracowniaCentrumPrawaNowychTechnologiiFinTechtransactionvalueinPolandfrom2018to2027,bysegment(inbillionU.S.dollars)FinTechtransactionvalueinPoland2018-2027,bysegmentDigitalPaymentsDigitalAssets120100806040200201820192020202120222023202420252026202712Description:Overthelasttwoobservations,therevenueisforecasttosignificantlyincreaseinallsegments.Aspartofthepositivetrend,therevenuereachesthemaximumvalueforbothsegmentsattheendofthecomparisonperiod.ParticularlynoteworthyisthesegmentDigitalPayments,whichhasthehighestvalueof95.13billionU.S.dollars.ReadmoreNote(s):Poland;2018to2027Source(s):FinTechuservolumeinPolandfrom2017to2027*,bysegment(inmillions)FinTechuservolumeinPoland2017-2027,bysegmentDigitalAssetsDigitalInvestmentDigitalPaymentsNeobanking40353025201510502017201820192020202120222023202420252026202713Description:AccordingtotheDigitalMarketOutlook,theFinTechsegmentwiththehighestpenetrationrateinPolandwasdigitalpayments,whichwasexpectedtoaccountforover21millionusersin2027.Usersofneobankinginthecountrywerealsoexpectedtogrowsteadily,yetthefiguresweresignificantlylowercomparedtotheformersegment'slevels.ReadmoreNote(s):Poland;2017to2027;*TheforecastwasadjustedfortheexpectedimpactofCOVID-19.FinTechisshortfor′FinancialTechnology`,thecentralconceptofstructuralchangeanddigitalizationwithinthefinancialservicesindustry.Underthe[...]ReadmoreSource(s):CHAPTER

02BankTechNumberofcashlessbankingbranchesinPolandfrom2021to2022Non-cashbankingbranchesinPoland2021-2022NumberofbranchesQ3'22100Q3'21020406080120140160180200220181INGBNPParibasMillenniumPKOBP1931751589882353325mBank3444CreditAgricoleSantanderBO**261721165Alior103SGB*32Pekao31Nest**15Description:Inthethirdquarterof2022,therewere610non-cashbankbranchesinPoland.Thisisnearly10percentmorethaninthesameperiodlastyear.

ReadmoreNote(s):Poland;Q32021toQ32022;*Intheabsenceofcurrentdata,archivaldataispresented**NodataavailableforQ32021

ReadmoreSource(s):Cashless.plValueoftransactionsprocessedintheBlueCashsysteminPolandfrom2012to2022(inbillionzloty)ValueofordersprocessedinBlueCashsysteminPoland2012-2022201816141210817.413.2613.089.99.625.7364.642.37201.220.70.042012201320142015201620172018201920202021202216Description:InPoland,thevalueoftransfersexecutedintheBlueCashsystembetweenintheobservedperiodshowedanupwardtrend.Thevalueincreasedfrom0.04billionzlotyin2012to17.4billionzlotyin2022.

ReadmoreNote(s):Poland;2012to2022Source(s):NationalBankofPolandNumberoftransactionsprocessedintheBlueCashsysteminPolandfrom2012to2022(inmillions)NumberofordersprocessedinBlueCashsysteminPoland2012-202216141210814.211.711.619.98.2863.5443.332.431.61200.960.052012201320142015201620172018201920202021202217Description:InPoland,thenumberoftransfersexecutedintheBlueCashsystemshowedanupwardtrendintheobservedperiod.Thenumberincreasedfrom0.05millionordersin2012to14.2millionin2022.

ReadmoreNote(s):Poland;2012to2022Source(s):NationalBankofPolandValueoftransactionsprocessedintheExpressElixirsysteminPolandfrom2012to2022(inbillionzloty)ValueofordersprocessedinExpressElixirsysteminPoland2012-202216014012010080147.398.76560444029.77201816.9820172010.2620166.714.281.80.0802012201320142015201920202021202218Description:InPoland,thevalueoftransactionsexecutedintheExpressElixirsystemintheobservedperiodshowedanupwardtrend.Thevalueincreasedfrom0.08billionzlotyin2012to147billionzlotyin2022.

ReadmoreNote(s):Poland;2012to2022Source(s):NationalBankofPolandNumberoftransactionsprocessedintheExpressElixirsysteminPolandfrom2012to2022(inmillions)NumberofordersprocessedinExpressElixirsysteminPoland2012-202225020015010050227.5123.458.926.712.5420184.960.330.941.52.690.020201220132014201520162017201920202021202219Description:InPoland,thenumberoftransfersexecutedintheExpressElixirsystemintheobservedperiodshowedanupwardtrend.Thenumberincreasedfrom0.02millionin2012to228millionin2022.

ReadmoreNote(s):Poland;2012to2022Source(s):NationalBankofPolandValueoftransactionscarriedoutintheSORBNET2systeminPolandfrom2011to2022(intrillionzloty)ValueofordersintheSORBNET2systeminPoland2011-202214012010080131121.496.779.377.973.172.27169.967.868.163.6604020020112012201320142015201620172018201920202021202220Description:Intheobservedperiod,thevalueoftransactionsexecutedinSORBNETsystemsinPolandhadanupwardtrend.However,theannualvaluein2014and2016waslowerthaninpreviousyears.ThevalueofSORBNETtransactionsincreasedfrom63.6trillionzlotyin2011to131trillionzlotyin2022,anincreaseof106percentovertheyears.ReadmoreNote(s):Poland;2011to2022Source(s):NationalBankofPolandNumberoftransactionscarriedoutintheSORBNET2systeminPolandfrom2011to2022(inmillions)NumberofordersintheSORBNET2systeminPoland2011-20225.04.54.04.634.44.314.264.194.163.933.663.53.02.52.01.51.00.50.03.293.082.972.6220112012201320142015201620172018201920202021202221Description:Intheobservedperiod,theannualnumberoftransactionsinSORBNET2inPolandshowedastableupwardtrend.Thevolumeoftransactionsincreasedfrom2.6millionin2011to4.2millionin2022,anincreaseof59percentovertheyears.

ReadmoreNote(s):Poland;2011to2022Source(s):NationalBankofPolandNumberofcustomersofPayPoservice-buynow,paylater(BNPL)inPolandfrom2020to2022(in1,000s)NumberofBNPL-PayPocustomersinPoland2020-20221,2001,0008001,0006506004002000350202020212022*22Description:Poland'sBuyNow,PayLater(BNPL)-PayPoserviceisestimatedtoreachonemillioncustomersin2022.ReadmoreNote(s):Poland;2020to2022Source(s):opineo.pl;PayPo;Przelewy24NumberoftransactionsofPayPoservice-buynow,paylater(BNPL)inPolandfrom2020to2022(inmillions)NumberofBNPL-PayPotransactionsinPoland2020-202298765485.53.53210202020212022*23Description:Poland'sBuyNow,PayLater(BNPL)-PayPoserviceisestimatedtoreacheightmilliontransactionsin2022.ReadmoreNote(s):Poland;2020to2022Source(s):opineo.pl;PayPo;Przelewy24ValueoftransactionsofPayPoservice-buynow,paylater(BNPL)inPolandfrom2020to2022(inbillionzloty)ValueofBNPL-PayPotransactionsinPoland2020-20222.52.01.521.11.00.50.50.0202020212022*24Description:ThetotalvalueofPoland'sBuyNow,PayLater(BNPL)-PayPoservicetransactionsisestimatedtoreachtwobillionzlotyin2022.ReadmoreNote(s):Poland;2020to2022Source(s):opineo.pl;PayPo;Przelewy24CHAPTER

03DigitalpaymentsMostrecognizablecashlesspaymentbrandsinPolandin2022MostrecognizablecashlesspaymentbrandsinPoland2022100%90%80%70%60%50%40%30%20%10%0%95%81%80%78%54%38%38%BlikVisaPrzelewy24MastercardGooglePayApplePayRevolut26Description:BLIKwasthebest-knowncashlesspaymentbrandinPolandin2022,followedbyVisaandPrzelewy24.ReadmoreNote(s):Poland;2022Source(s):Cashless.pl;KantarPolskaNumberofmobile-onlybankcustomersinPolandfrom2021to2022,bybank(in1,000s)Numberofmobile-onlybankcustomersinPoland2021-2022,bybank"MobileOnly"customersinthousands*Q4'22Q4'212,00005001,0001,5002,5003,0003,5004,0003,608PKOBPINGBanklskimBank2,753.81,8161,697.91,642.71,5141,162.7BankMillenniumPekao1,346.921,605.51,602.71,058.021,217.43SantanderBPBNPParibasAliorBankCreditAgricoleCiti**861.6708.88639.9439.66389.2215.8799.6120.264.3Nest42.9BankPocztowyBO40.9618.815.427Description:ThepopularityofbankingapplicationsinthePolishmarkethasledtoasituationwheretheyhavebecometheonlymeansofcommunicationbetweencustomersandtheirbankorthewayofmaintainingabankaccount.Inthefourthquarterof2022,PKOBPhadthelargestnumberofsuchclients-over3.6million,followedbyINGBankSlaskiandmBank.ReadmoreNote(s):Poland;Q42021toQ42022;*Minimum1logonpermonthinagivenquarter**Incaseoflackofcurrentdata,archivaldataisgivenReadmoreSource(s):Cashless.plNumberofcontactlessmobiletransactionsinPolandfromthe4thquarterof2020to4thquarterof2022,bybank(inmillions)ContactlessmobiletransactionsinPoland2022,bybankNumberoftransactionsinmillions*Q4'22Q4'21Q4'20600204080100120101.1mBankSantanderPekao**MillenniumBNPParibas**Alior76.829.095434.218.1717.3248.19.8341.632.419.41411.58.6710.7CreditAgricoleSGB6.43.483.320.91.9Nest**0.8PocztowyBO0.40.120.528Description:Attheendof2022,bankcustomersinPolandmadeover295millioncontactlessmobilepaymentsusingsuchsolutionsasApplePay,GooglePay,HCE,GarminPay,andFitbitPay.ThemostsignificantnumberofsuchtransactionsweremadebymBankclients-over101million.Santander'sclientspaidwithsmartphonesandsmartwatches54milliontimes,andPekaocardholders-morethan48milliontimes.ReadmoreNote(s):Poland;Q42020toQ42022;*ApplePay,GooglePay,HCE,GarminPay,andFitbitPay**Nodataforthepreviousyear/years

ReadmoreSource(s):Cashless.plNumberofcashlesstransactionsinPolandfromthe3rdquarterof2017to2ndquarterof2022(inbillions)Numberofnon-cashtransactionsinPoland2017-20222.52.02.212.021.951.851.791.731.561.531.521.511.431.431.51.00.50.01.361.271.251.231.171.041.041Q3'17

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Q2'2229Description:Inthesecondquarterof2022,2.21billionnon-cashtransactionswerecarriedoutinPoland,whichisanincreaseof19percentonthepreviousquarter.ReadmoreNote(s):Poland;Q32018andQ22022Source(s):NationalBankofPolandValueofcashlesstransactionsinPolandfromthe3rdquarterof2017to2ndquarterof2022(inbillionzloty)Valueofnon-cashtransactionsinPoland2017-2022180160140155.1137.2133.9129.1119.7120112108.1101.610296.994.610080604020092.79387.48079.876.271.568.366.6Q3'17

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Q2'2230Description:Inthesecondquarterof2022,non-cashtransactionswithcardsinPolandtotaled155.1billionzloty,anincreaseof20percentcomparedtothepreviousquarter.

ReadmoreNote(s):Poland;Q32017toQ22022Source(s):NationalBankofPolandNumberoffinancialtransactionsusingBLIKinPolandfrom2015to2022(inmillions)BLIKtransactionsinPoland2015-20221,4001,2001,0008001,23576360042440021820091331201580201620172018201920202021202231Description:Intheobservedperiod,thePolishmobilefinancialtransactionsystemBLIKhasseenasignificantincreaseinusertransactions.Since2015,BLIKtransactionshaveincreasedfromonemillionto1.2billionin2022.ReadmoreNote(s):Poland;2015to2022Source(s):PolskiStandardP?atno?ci;Twitter(@BLIKmobile)NumberofactiveBLIKpaymentusersinPolandfrom2016to2022(inmillions)NumberofactiveBLIKpaymentusersinPoland2016-2022141210812.910.1764.542.521.10.40201620172018201920202021202232Description:In2022,nearly13millionpeopleactivelyusedtheBLIKpaymentmethodinPoland.Anincreaseof28percentfromthepreviousyear.ReadmoreNote(s):Poland;2016to2022Source(s):PolskiStandardP?atno?ci;Twitter(@BLIKmobile)NumberofcontactlessmobilepaymentsinPolandfrom2020to2022(inmillions)NumberofcontactlessmobilepaymentsinPoland2020-2022350300250200150297.2264172.989.4100500Q32020Q32021Q22022Q3202233Description:Intheobservedperiod,thenumberofcontactlessmobilepaymentsinPolandconstantlyrose,reaching297millionpaymentsinthethirdquarterof2022.ReadmoreNote(s):Poland;Q32020toQ32022Source(s):Cashless.pl;NationalBankofPolandFinTech:digitalpaymentstransactionvalueinPolandfrom2017to2027,bysegment(inbillionU.S.dollars)DigitalpaymentstransactionvalueforecastinPoland2017-2027,bysegmentDigitalCommerceMobilePOSPaymentsDigitalRemittances10090807060504030201002017201820192020202120222023202420252026202734/statistics/1127975/forecast-digital-payments-transaction-value-polandAccordingtotheDigitalMarketOutlook,thedigitalcommercesegmentinPolandwasexpectedtogrowtoover42billionU.S.dollarsin2027.AsformobilePOSpaymentsvolume,itwasprojectedtoreachnearly51.7billionU.S.dollarsby2027.

ReadmoreNote(s):Poland;2017to2027;*TheforecastwasadjustedfortheexpectedimpactofCOVID-19.TheDigitalPaymentsmarketsegmentisledbyconsumertransactionsandincludespaymentsforproductsandserviceswhicharemadeoverthe[...]

ReadmoreSource(s):FinTech:digitalpaymentsuservolumeinPolandfrom2018to2027,bysegment(inmillions)DigitalPaymentsuservolumeforecastinPoland2018-2027,bysegmentDigitalCommerceMobilePOSPayments5.57302520151055.775.965.026.166.355.384.763.11.8121.72202221.96202321.74202421.5220252121.321.07202719.91202019.0418.210201820192021202635Description:Overtheforecastperioduntil2027,thenumberofusersisforecasttoexhibitfluctuationsamongthetwosegments.OnlyforthesegmentMobilePOSPayments,asignificantincreasecanbeobservedovertheforecastperiod.Here,theusernumberexhibitsadifferenceof4.54millionusersbetween2018and2027.ReadmoreNote(s):Poland;2018to2027Source(s):CHAPTER

04Cryptocurrencies&DeFiRevenueofthecryptocurrenciesindustryinPoland2017-2027(inmillionU.S.dollars)RevenueofthecryptocurrenciesindustryinPoland2017-2027500450400350300250200150469.7442.5415.1366.7342.4304.1159.9202210050075.55202013.32201814.3320194.6201720212023202420252026202737Description:TherevenueinthecryptocurrenciessegmentoftheFinTechmarketinPolandwasforecasttocontinuouslyincreaseandreachnearly470millionU.S.dollarsin2027.FindotherkeymarketindicatorsconcerningthecryptocurrenciessegmentoftheFinTechmarketinPoland,suchasthenumberofusers.ReadmoreNote(s):Poland;2017to2027Source(s):DigitalMarketInsightsNumberofusersofcryptocurrenciesinPoland2017-2027(inmillions)NumberofcryptocurrencyusersinPoland2017-202797.858765432107.687.476.985.994.23.050.810.660.480.412017201820192020202120222023202420252026202738Description:ThenumberofusersinthecryptocurrenciessegmentoftheFinTechmarketinPolandwasforecasttocontinuouslyincreaseandreachnearly7.9millionusersin2027.FindotherkeymarketindicatorsconcerningthecryptocurrenciessegmentoftheFinTechmarketinPoland,suchastherevenuevalue.ReadmoreNote(s):Poland;2017to2027Source(s):DigitalMarketInsightsPenetrationrateofcryptocurrenciesinPoland2017-2027(inmillions)PenetrationrateofcryptocurrenciesinPoland2017-2027252120.519.9201510518.615.911.18.12.11.71.31.102017201820192020202120222023202420252026202739Description:TheuserpenetrationinthecryptocurrenciessegmentoftheFinTechmarketinPolandwasforecasttocontinuouslyincreaseandreach21million2027.FindotherkeymarketindicatorsconcerningthecryptocurrenciessegmentoftheFinTechmarketinPoland,suchastherevenuevalue.ReadmoreNote(s):Poland;2017to2027Source(s):DigitalMarketInsightsHaveyoueverusedBitcoinorothercryptocurrencies?ShareofpeopleusingBitcoinorothercryptocurrenciesinPoland2022Yes15.6%No84.4%40Description:In2022,only16percentofrespondentsinPolandstatedthattheyhadusedBitcoinorothercryptocurrencies.ReadmoreNote(s):Poland;October2022;1011respondents;16yearsandolderSource(s):OdkryjBitcoin;SWResearchShareofpeopleinvestingincryptocurrencyasalongterminvestmentinPolandin2022ShareofpeopleinvestingincryptocurrencyasalongterminvestmentinPoland2022Daytrading6.4%Uptooneweek4.8%Uptoonemonth7.7%Uptooneyear17.6%Aboveoneyear63.0%41Description:In2022,Polesdefinitelyprefertoinvestlong-termincryptocurrencies.About64percentofpeopleinvestedforaperiodofmorethanoneyear.

ReadmoreNote(s):Poland;2018to2022Source(s):StowarzyszenieInwestorówIndywidualnychShareofpeopleinvestingincryptocurrencyinPolandfrom2018to2022,byageShareofpeopleinvestingincryptocurrencyinPoland2018-202218-2526-3536-4546-5556yearsandmore120%4.1%12.3%100%80%4.8%11.2%23.5%30%21%27%60%1.8%5.8%2%3%9%40%20%0%10.7%2.8%1.8%3.7%13.7%17.5%201915.6%10.9%34.5%202231.8%202117.3%201817.1%202042Description:AlmostthesamepercentageofPolesaged18to25investedincryptocurrencybetween2018and2020,about17percent.In2022,thenumberofinvestorsaged18to25increasedto34.5percent.

ReadmoreNote(s):Poland;2018to2022;Investmentsfromlast12monthsSource(s):StowarzyszenieInwestorówIndywidualnychShareofcryptocurrenciesintheinvestmentportfolioinPolandfrom2018to2022ShareofcryptocurrenciesintheinvestmentportfolioinPoland2018-202218%16%16%15%14%12%10%8%13%13%12%6%4%2%0%2018201920202021202243Description:IntheinvestmentportfoliooftheaveragePolishindividualinvestor,cryptocurrenciesaccountedfor12percentofassetsin2022.ReadmoreNote(s):Poland;2018to2022;Investmentsfromlast12monthsSource(s):StowarzyszenieInwestorówIndywidualnychReasonsforinvestingincryptocurrenciesinPolandin2023ReasonsforinvestingincryptocurrenciesinPoland2023Shareofrespondents0%5%10%15%20%25%30%35%40%45%50%55%WillingnesstomakeahighprofitCuriosity49.11%38.08%WillingnesstomakeaprofitinashortperiodoftimeAnonymityoftransactions34.52%25.98%25.62%EaseofinvestmentBeliefinthepotentialofblockchaintechnologyPortfoliodiversification19.57%17.44%AversiontotraditionalfinancialinstitutionsInflation12.1%11.74%Deflationarynatureofcryptocurrencies7.47%WillingnesstoparticipateinDeFi,ICO,etc.4.27%Noneoftheabove3.2%44/statistics/1403593/poland-investing-in-cryptocurrencies-reasonsMostPolesinvestedincryptocurrenciesin2023duetothedesiretomakeaprofit.Curiosityattractedmorethan38percentofrespondents.OnlyfourpercentofPolesinvestedincryptocurrenciesduetoadesiretoparticipateintheDeFIormarkets.ReadmoreNote(s):Poland;2023Source(s):BeInCryptoPolska;ThePolishEconomicInstituteRevenueofDecentralizedFinance(DeFi)servicesinPoland2019-2027(inmillionU.S.dollars)RevenueofDeFiservicesinPoland2019-202730025020015010050251.3233.8218185.813766.26202144.9220220.010.250201920202023202420252026202745Description:TherevenueofDeFiservicesinPolandwasforecasttocontinuouslyincreaseandreachover251millionU.S.dollarsin2027.FindotherkeymarketindicatorsconcerningthecryptocurrenciessegmentoftheFinTechmarketinPoland,suchasthenumberofusers.ReadmoreNote(s):Poland;2019to2027Source(s):DigitalMarketInsightsNumberofDecentralizedFinance(DeFi)servicesusersinPoland2019-2027(in1,000s)NumberofDeFiservicesusersinPoland2019-202710090807060504087.8473.9273.3773.3773.3773.3756.613018.96201001.7920192020202120222023202420252026202746Description:ThenumberofDeFiservicesusersinPolandwasforecasttocontinuouslyincreaseandreachnearly74thousandin2027.FindotherkeymarketindicatorsconcerningthecryptocurrenciessegmentoftheFinTechmarketinPoland,suchasthenumberofusers.ReadmoreNote(s):Poland;2019to2027Source(s):DigitalMarketInsightsCHAPTER

05NFTsRevenueofthenon-fungibletoken(1,000U.S.dollars)industryinPoland2018-2027(inRevenueoftheindustryinPoland2018-202725,00020,00015,00010,0005,0000201820192020202120222023202420252026202748Description:TherevenueoftheNote(s):Poland;2018to2027segmentinPolandwasforecasttoincreasecontinuouslybetween2023and2027,amountingtonearly12millionU.S.dollarsin2023.Therevenueisestimatedtoreach22.9millionU.S.dollarsin2027.

ReadmoreSource(s):DigitalMarketInsightsNumberofthenon-fungibletoken(usersinPoland2018-2027(in1,000s)NumberoftheusersinPoland2018-2027140120100806040200201820192020202120222023202420252026202749Description:ThenumberofNote(s):Poland;2018to2027usersinPolandwasforecasttoincreasecontinuouslybetween2023and2027,amountingtoover72millionin2022.Thenumberofusersisestimatedtoreachnearly124millionin2027.

ReadmoreSource(s):DigitalMarketInsightsShareofpeoplewhoknowandownnon-fungibletokens(NFTs)inPolandin2022ShareofpeoplewhoknowandownNFTsinPoland2022Yes8%No92%50Description:In2022,onlyeightpercentofthepeoplewhoknewNFTsalsoownedsomeinPoland.Thisisonepercentofthetotalpopulation.ReadmoreNote(s):Poland;July01-04.2022;1070respondents;18yearsandolderSource(s):Hill+Knowlton;PanelBadawczyAriadnaPeopleinPolandwhoknowandownnon-fungibletokens(NFTs)in2022,byageShareofpeopleinPolandwhoownNFTs