BNPL Revolutionizes Polish Credit Market: New Study by BIK
Warsaw, Poland, June 27, 2025 — In a groundbreaking development, the “Buy Now Pay Later” (BNPL) system is transforming the Polish credit market by enhancing financial inclusivity and improving credit assessments. A recent study by BIK, the Polish credit agency, reveals that BNPL users exhibit strong repayment behaviors, potentially boosting their creditworthiness. This news is set to impact both lenders and borrowers, making it a hot topic in the financial sector.
Improving Creditworthiness with BNPL
According to BIK’s study, 40% of “thin file customers” using BNPL services show improved solvency when combined with traditional credit data. This development could significantly influence credit decisions, making it easier for these customers to access loans and other financial products. The study underscores the importance of integrating BNPL data into credit assessments, which could prevent approximately 1% of individuals from falling into over-indebtedness.
Growth and Impact of BNPL
The BNPL market in Poland is booming, with over 2.7 million users, primarily young people under 34. In 2025, 16% of new customers opted for BNPL as their first financial product. The value of BNPL transactions reached €2.54 billion in 2024, highlighting its growing significance in the financial landscape. BIK’s data shows that 74% of BNPL transactions are repaid within the grace period, indicating a strong repayment culture.
Enhancing Financial Inclusivity
The integration of BNPL data into credit assessments can open up access to the credit market for more consumers. BIK’s collaboration with financial institutions has led to the standardization of BNPL data reporting, ensuring accurate and reliable information. This initiative not only supports financial institutions but also protects consumers by promoting responsible lending practices and preventing over-indebtedness.
Future Implications
The study suggests a cautious approach to incorporating BNPL data into credit scoring models. Transactions through BNPL will temporarily be excluded from operational rating models to avoid negatively impacting consumer solvency. This approach ensures transparency and fairness during the transition period until long-term data and customer behavior analysis are established.
For now, financial institutions and consumers alike can benefit from the insights provided by BIK. Borrowers can improve their creditworthiness by responsibly using BNPL services, while lenders can make more informed decisions, fostering a healthier financial ecosystem.
Stay tuned to archyde.com for the latest updates on financial innovations and their impact on the global credit market.
