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.
Five years of the banking union
Anna DobrzańskaThe establishment of the banking union in the Eurozone means that banks are operating in a single regulatory environment, which is important especially in the case of cross-border banking groups. However, the banking union...
Online banking and Millennials’ internet life
Mirosława KaczmarekThe young people, who entered adulthood at the beginning of the 21st century, cannot imagine the world without the internet. In the use of online banking the Millennial generation has bridged the gap between the old and new...
EU’s Generation X and online banking
Mirosława KaczmarekGeneration X, or people born between 1965 and 1980, entered adulthood not only in a time of important political transformations in Central and Southeast Europe (CSE), but also in times of great technological changes in the...
The US threatened Europe with tariffs, and everyone in Davos praised Asia
Marek PielachThe US Secretary of the Treasury Steven Mnuchin suggested in Davos that imposing a digital tax in Europe may result in customs duties imposed on European cars. In addition, the future of Asia was discussed as well as the...
Big-tech companies: competition for banks or new opportunities?
Milena KabzaTechnology companies such as Alibaba, Amazon, Facebook, Google (or more precisely its mother company, Alphabet) and Tencent started providing financial services. That generates potential economies of scale.
Bank of China enters Romania
Filip BrokešOne of China’s largest state-owned banks, the Bank of China, opened a new branch in the Romanian capital of Bucharest. The new European branch is expected to help financing China-EU connectivity projects.
Baby Boomers are reluctant about online banking
Mirosława KaczmarekThe Baby Boomers generation is more accustomed to using traditional media, such as newspapers, television and radio, than the internet. As a result, it uses online banking services less frequently than younger people.
How “green” will the European Investment Bank become?
Tomasz ŚwiderekThe EIB’s Board of Directors approved the new energy lending policy which makes the bank more "green". The bank will stop financing fossil fuel projects from the end of 2021.
Libra – the real need for digital currency
Magdalena Węsierska-WieczorekThe main challenge for central banks and supervisory institutions, not only in the European Union but also in the world is to create, in the nearest future, appropriate regulations concerning digital currencies, such as...
The Polish personal loan market
Mirosław CiesielskiThe personal loan sector in Poland represents just a small part of the financial services for individual customers, which is dominated by banks. Compared with the lending markets in other countries, the Polish personal loan...