Polish consumer trends show investment gaps and online security concerns

Recent studies in Poland highlight significant trends regarding financial habits and digital security. A Finax study, commissioned by Maison&Partners, reveals that 42 percent of Poles aged 25 to 34 do not utilize any analyzed forms of saving or investing. In contrast, 12 percent of this younger demographic invest in exchange-traded funds (ETFs), compared to approximately 1 percent of those aged 55 and older. The research also notes that many individuals struggle to understand the costs associated with investment products.

Separately, a Santander Consumer Bank study indicates widespread anxiety regarding e-commerce. Approximately 38 percent of Poles fear losing money to fraud, such as fake payment links or failure to receive paid goods. Other primary concerns include receiving products that do not match descriptions (36 percent) and personal data or credit card number leaks (25 percent). While large marketplaces and established retail chains enjoy high trust levels at 81 percent, social media shopping is viewed as the least secure channel, with only 29 percent of respondents considering it safe.