{
  "slug": "pl-fintech",
  "name": "Poland fintech",
  "updated": "2026-09-22",
  "page": "https://godofstartups.com/atlas/markets/pl-fintech",
  "license": "https://creativecommons.org/licenses/by/4.0/",
  "facts": [
    {
      "metric": "Outstanding bank loans to non-financial corporations, Poland",
      "value": "108880.25964993624",
      "unit": "EUR million",
      "geo": "PL",
      "period": "2026-07",
      "tier": 1,
      "status": "ready",
      "url": "https://data-api.ecb.europa.eu/service/data/BSI/M.PL.N.A.A20.A.1.U6.2240.Z01.E?format=csvdata&startPeriod=2019-12"
    },
    {
      "metric": "Leasing product distribution network: branches and authorised agencies, Poland",
      "value": "1,7",
      "unit": "thousand outlets",
      "geo": "PL",
      "period": "2025",
      "tier": 1,
      "status": "ready",
      "url": "https://stat.gov.pl/files/gfx/portalinformacyjny/pl/defaultaktualnosci/5503/3/19/1/dzialalnosc_przedsiebiorstw_leasingowych_w_2025.pdf"
    },
    {
      "metric": "Polish firms citing reduced investment and growth as a consequence of late payments",
      "value": "63",
      "unit": "percent",
      "geo": "PL",
      "period": "2025",
      "tier": 1,
      "status": "ready",
      "url": "https://single-market-economy.ec.europa.eu/document/download/db1722d8-9cad-40fd-9ad4-f56a907317fa_en?filename=AnnualReport2025_FinalC.pdf"
    },
    {
      "metric": "Net financial result of leasing companies (leasing sole or dominant activity), Poland",
      "value": "1 499",
      "unit": "PLN million",
      "geo": "PL",
      "period": "2025",
      "tier": 1,
      "status": "ready",
      "url": "https://stat.gov.pl/files/gfx/portalinformacyjny/pl/defaultaktualnosci/5503/3/19/1/dzialalnosc_przedsiebiorstw_leasingowych_w_2025.pdf"
    },
    {
      "metric": "Annual growth in the number of clients of non-bank factoring companies, Poland",
      "value": "1,9",
      "unit": "percent",
      "geo": "PL",
      "period": "2025",
      "tier": 1,
      "status": "ready",
      "url": "https://stat.gov.pl/files/gfx/portalinformacyjny/pl/defaultaktualnosci/5503/2/21/1/dzialalnosc_faktoringowa_przedsiebiorstw_finansowych_w_2025.pdf"
    },
    {
      "metric": "Annual growth of the value of receivables purchased by factoring entities, Poland",
      "value": "11,0",
      "unit": "percent",
      "geo": "PL",
      "period": "2025",
      "tier": 1,
      "status": "ready",
      "url": "https://stat.gov.pl/files/gfx/portalinformacyjny/pl/defaultaktualnosci/5503/2/21/1/dzialalnosc_faktoringowa_przedsiebiorstw_finansowych_w_2025.pdf"
    },
    {
      "metric": "Polish leasing enterprises belonging to enterprise groups",
      "value": "63",
      "unit": "enterprises",
      "geo": "PL",
      "period": "2025",
      "tier": 1,
      "status": "ready",
      "url": "https://stat.gov.pl/files/gfx/portalinformacyjny/pl/defaultaktualnosci/5503/3/19/1/dzialalnosc_przedsiebiorstw_leasingowych_w_2025.pdf"
    },
    {
      "metric": "Mazowieckie share of Polish lessees concluding new leasing contracts",
      "value": "30,6",
      "unit": "percent",
      "geo": "PL",
      "period": "2025",
      "tier": 1,
      "status": "ready",
      "url": "https://stat.gov.pl/files/gfx/portalinformacyjny/pl/defaultaktualnosci/5503/3/19/1/dzialalnosc_przedsiebiorstw_leasingowych_w_2025.pdf"
    },
    {
      "metric": "Share of Mazowieckie voivodeship in the number of lessees concluding new leasing contracts, Poland",
      "value": "30,6",
      "unit": "percent",
      "geo": "PL",
      "period": "2025",
      "tier": 1,
      "status": "ready",
      "url": "https://stat.gov.pl/files/gfx/portalinformacyjny/pl/defaultaktualnosci/5503/3/19/1/dzialalnosc_przedsiebiorstw_leasingowych_w_2025.pdf"
    },
    {
      "metric": "Poland share of CEE venture capital investment value",
      "value": "46",
      "unit": "percent",
      "geo": "PL",
      "period": "2025",
      "tier": 1,
      "status": "ready",
      "url": "https://www.investeurope.eu/media/z3pasguu/20260623_invest-europe_cee-report-2025.pdf"
    },
    {
      "metric": "Annual decline in the number of factoring clients served by commercial banks, Poland",
      "value": "5,3",
      "unit": "percent",
      "geo": "PL",
      "period": "2025",
      "tier": 1,
      "status": "ready",
      "url": "https://stat.gov.pl/files/gfx/portalinformacyjny/pl/defaultaktualnosci/5503/2/21/1/dzialalnosc_faktoringowa_przedsiebiorstw_finansowych_w_2025.pdf"
    },
    {
      "metric": "Share of road transport vehicles in the value of new leasing contracts, Poland",
      "value": "80,0",
      "unit": "percent",
      "geo": "PL",
      "period": "2025",
      "tier": 1,
      "status": "ready",
      "url": "https://stat.gov.pl/files/gfx/portalinformacyjny/pl/defaultaktualnosci/5503/3/19/1/dzialalnosc_przedsiebiorstw_leasingowych_w_2025.pdf"
    },
    {
      "metric": "Contactless share of payment cards issued, Poland",
      "value": "97.5",
      "unit": "percent",
      "geo": "PL",
      "period": "2024-12",
      "tier": 1,
      "status": "ready",
      "url": "https://nbp.pl/wp-content/uploads/2025/06/Ocena-II-polrocze-2024-r._SYNTEZA.pdf"
    },
    {
      "metric": "Adults without an account citing services too expensive, Poland (World Bank Global Findex)",
      "value": "4.68342377527625",
      "unit": "% of population age 15+",
      "geo": "PL",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/fin11b?locations=PL"
    },
    {
      "metric": "Digitally enabled account, share of adults, Poland (World Bank Global Findex)",
      "value": "80.5034294532409",
      "unit": "% of population age 15+",
      "geo": "PL",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/dig.acc?locations=PL"
    },
    {
      "metric": "Made a digital online merchant payment for an online purchase, Poland, World Bank Global Findex",
      "value": "46.77",
      "unit": "% of population age 15+",
      "geo": "PL",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/fin27a?locations=PL"
    },
    {
      "metric": "Adults borrowing from a formal bank or similar financial institution, by Eastern Europe country",
      "value": "19.4",
      "unit": "% of population age 15+",
      "geo": "PL",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/fin22a?locations=PL-RO-UA-CZ-HU"
    },
    {
      "metric": "New businesses registered, by country, World Bank",
      "value": "56520",
      "unit": "count",
      "geo": "PL",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/IC.BUS.NREG?locations=PL"
    },
    {
      "metric": "Account ownership at a financial institution or mobile-money provider, trend, Poland, World Bank Global Findex",
      "value": "88",
      "unit": "% of adult Poles",
      "geo": "PL",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://nbp.pl/wp-content/uploads/2025/12/Ocena-I-polrocze_SYNTEZA_22-12-25_Eng.pdf"
    },
    {
      "metric": "Financial account ownership among poorest 40% by income, Poland",
      "value": "80.0821560050964",
      "unit": "% of population age 15+",
      "geo": "PL",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/account.t.d.7?locations=PL"
    }
  ],
  "note": "status: ready = two or more independent sources or an official series; proxy = one source; context = macro background, not a validation figure."
}