Teoretyczne i empiryczne wyzwania związane z ochroną konsumenta na rynku usług finansowych
The financial services market plays a key role in the modern economy, serving as a space for capital allocation, risk management, and the distribution of innovative financial products. Due to liberalization, digitization, and technological advancement, this sector has undergone significant transform...
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| Main Authors: | , |
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| Format: | Online |
| Language: | Polish |
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Wydawnictwo Uniwersytetu Łódzkiego
2026
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| Subjects: | |
| Online Access: | ONIX_20260612T144849_9788383318646_27 |
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| Summary: | The financial services market plays a key role in the modern economy, serving as a space for capital allocation, risk management, and the distribution of innovative financial products. Due to liberalization, digitization, and technological advancement, this sector has undergone significant transformations. While these changes have expanded the range of available services, they have also increased their complexity and the risk of unfair practices. A growing number of violations of fair market conduct and consumer complaints are being observed, which negatively affect public trust in financial institutions._x000D_ In Poland, there is a significant gap between consumers’ self-assessed and actual financial knowledge. Combined with unclear marketing communication and the rise of unregulated entities (e.g., fintechs), this increases the likelihood of poor financial decisions. Limited awareness of consumer rights and the mechanisms for seeking redress further worsens the situation for individual clients._x000D_ This volume of the monograph focuses on analyzing consumer expectations regarding the financial market protection system, based on an empirical study involving 200 respondents. A behavioral approach was adopted, using I. Ajzen’s theory of planned behavior. The study confirmed, among other findings, that consumers lack sufficient financial knowledge, are unaware of their rights, yet still prefer to make independent financial decisions._x000D_ The aim of this work was to propose an optimal model of consumer protection and to formulate recommendations for improving the regulatory system in Poland. The monograph combines theoretical foundations, case analyses, and empirical research, providing a comprehensive and innovative approach to consumer protection issues in the financial services market. |
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