About us

POLASIK Research is a dynamic research and consulting company, specialising in electronic banking and payment systems.

Our mission is to accumulate and create knowledge of electronic banking and payment systems and to deliver it effectively to market participants.

Our goal is to support our partners in their pursuit to continually improve the effectiveness and quality of payment and banking services. We would like to use our knowledge to create conducive conditions to market innovative solutions and promote their public acceptance.

Our knowledge is based on market research, experience in conducting analyses, and specialist literature. Our aim is to both explore the functioning of markets and know the products thoroughly as well as to understand the customers behaviour and preferences.


MPMichał Polasik, PhD habilitated

He is the founder and president of the research company POLASIK Reseach which specialises in the field electronic payment systems.

Michał Polasik is an assistant professor at the Faculty of Economic Sciences and Management at the Nicolaus Copernicus University in Toruń, Poland. He is an author of several dozen academic publications on electronic banking and retail payments.

Publications available on the ResearchGate: https://www.researchgate.net/profile/Michal_Polasik  

He has presented the results of his research during the most prestigious international conferences on the subject, organised by the European Central Bank, the Bank of Canada and the Bank of Finland. He was awarded in the Marian Kanton Competition for the best Master thesis on payment systems in 2002 and an individual distinction of the Rector of the Nicolaus Copernicus University for his doctoral thesis in 2005. Winner of the “Highly Commended Award” awarded by the Emerald publishing house in the Literati Network Awards for Excellence 2010 competition for the paper “Empirical analysis of Internet banking adoption in Poland” (co-author with T. P. Wiśniewski) published in the International Journal of Bank Marketing. In 2016 he was awarded the Prof. Remigiusz Kaszubski Award founded by the Board of the Polish Bank Association in the category research activity for his research on the Polish payment system.

He has been the head of several large research projects, e.g.: pan-European study' PayTech Impact.EU' (http://paytech.umk.pl) ["The impact of the development of FinTech and legal regulations on innovations in the payment services market of the European Union: strategies of the financial sector and consumer needs" financed by National Science Centre in Poland, 2018-2021]; “The analysis of factors determining the development of retail electronic payments in Poland” financed by the Ministry of Science and Higher Education, 2008-2011; “Modelling the use of retail payment methods in the Polish market”, the Economic Studies Committee of the National Bank of Poland, 2010; “Development through innovation or economies of scale? Study of the participants of the Polish payment system”, the Warsaw Institute of Banking, 2014-2015; “European integration and innovations in the payment services market”, the Polish Bank Association, 2011-2012. He was the head of the research team in the “European Trend Survey »BANKS & FUTURE 2012«. Trends and Developments in the European Payments Market”, Fraunhofer-Institute and Equens SE, 2012. He has also implemented a number of other research project in the field of payment innovations, contactless cards and e-commerce, as well as the bitcoin cryptocurrency.

The co-founder and president of the spin-off Technology For Mobile Sp. z o.o. which aims to commercialise the scientific findings and development work of the NCU in the area of payment innovations and mobile technologies.