Articles in English
Obserwator Finansowy features views and analysis of economy in Poland and other countries, written by some of the best journalists, economists and analysts. Our mission is to share knowledge of economics and financial markets in the world.
Obserwator Finansowy is a project under aegis of the Poland’s central bank, Narodowy Bank Polski. We have published thousands of articles about the Polish and global economy. Our journalists have conducted hundreds of interviews with Nobel laureates, distinguished economists, business leaders and politicians with views across the political spectrum.
In this section you can find selected articles in English.

Technological (r)evolution in the banking sector
The expenditures on technology by banks are on the rise, although innovation is primarily gradual in nature and mostly focuses on improving the existing systems to include additional processes. The largest banks are...

The payments industry will change after the pandemic
The shutdown of most economies due to the pandemic is being reflected in changes occurring in the volume and structure of global payments and is accelerating their digitization. Financial market companies will undergo...

An unprecedented crisis and an unprecedented policy response
In contrast to the global financial crisis, the objective of the current rescue measures is to support the enterprise sector. However, in the event of a protracted pandemic emergency the effects of the economic downturn will...

Romanian shares now easier to reach
Starting from July 1, 2020, shares of Romanian companies are settled and deposited through Deutsche Börse’s central international securities depository (ICSD), known as Clearstream, according to the Romanian Press Agency.

Venture Capital funds in the CSE
There are many reasons why Central and Southeast Europe (CSE) is not attractive to foreign investors, most notably high levels of corruption, legal restrictions that prevent or restrict Venture Capital (VC) investment,...

No one knows how long this crisis will last
“The longer the lockdown lasts, the more likely it is that there will be changes in consumer tastes, changes to production techniques and supply chains, and we will build more capacity for emergencies into health...

Internet banking will expand due to #StayAtHome
As the coronavirus pandemic was spreading, concepts such as home office and e-learning gained in popularity. As consumers mobility has been limited, it can be assumed that home banking will also follow and will increase the...

Fintech expansion is progressing
2019 was a successful year for the fintech sector. Many start-ups have increased their valuations and customer bases. They have successfully entered new markets and developed innovative services, taking over the revenues of...

Mobile banking applications: a success story
The scale of the boom in the access to banking services via mobile devices is well illustrated by an analysis of the growth rate of the number of users, which amounted to 33 per cent on average in 2014-2019. At the end of...

Russian Sberbank has a new owner
The Central Bank of the Russian Federation sold its 50 per cent+1 share in Sberbank, Russia’s largest financial institution, to the Russian Finance Ministry. Although officially carried out to avoid conflict of interest,...