#finanseprzyszlosci or what journalists think their bank will be like in 10 years

According to a survey by PressInstitute under the patronage of Bank Millennium, as much as 95% of journalists polled are of the view that in 10 years we will be getting loans when making purchases and logging on to a bank will be possible with use of a fingerprint or voice recognition system.

Journalists are above all counting on development of mobile banking services (61% of persons polled use them) and they have a specific vision of what this banking should be like. In their opinion mobile banking is first of all about an intuitive and convenient app – 78% of the respondents pointed to it – with the possibility of fast payments (68%). It should also be a tool enabling use not only of the bank’s offering but also of non-banking services (51%) and e-administration (44%). The perfect banking app should be useful in everyday life. It is with use of the app that the journalists surveyed would like to buy city transport, train and air tickets and also buy travel insurance or order food.

- Results of the survey show that journalists think largely like we – bankers. We are glad that almost 75% of persons polled pointed to the need to develop mobile banking further. Perhaps a few years from now mobile apps will be the main access channels to banks. To a far greater extent than today it will be possible to use them i.a. for setting up deposits, borrowing money, buying mutual funds and making payments. Developing this channel has been one of our priorities for some years now. Numerous awards and high places of Bank Millennium’s app on ranking lists confirm that we are successful in reaching this objective - Halina Karpińska, Director of Bank Millennium’s Electronic Banking Department, said.

Journalists are also quite cautious in terms of who they would entrust their money to. - – Banks are institutions of public trust. This is very important for their customers, which the survey results also reflect. Three quarters would not open an account with e.g. a shop, because they trust a bank and believe that their money or personal data are safe with the bank. Almost 90% of people would not agree to permanent access to the account by intermediaries in online payments. I share this view. The convenience that innovative technologies bring is important but cannot be the priority in all circumstances, especially as the expense of security - Agnieszka Morawiecka, Deputy Editor-in-Chief of ISBnews, noted.

Please read the report, which summarises results of the survey carried out by PressInstitute under the patronage of Bank Millennium. The survey involved not only journalists dealing professionally with the financial market but also those who are educated users of the banking and financial system (CAWI, 21 May-8 June 2018, n=59).