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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| Главные авторы: | , |
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| Формат: | Online |
| Язык: | польский |
| Опубликовано: |
Wydawnictwo Uniwersytetu Łódzkiego
2026
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| Предметы: | |
| Online-ссылка: | ONIX_20260612T144849_9788383318646_27 |
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| _version_ | 1869523391085543424 |
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| author | Ziemba, Marika R. Stopczyński, Andrzej |
| author_browse | R. Stopczyński, Andrzej Ziemba, Marika |
| author_facet | Ziemba, Marika R. Stopczyński, Andrzej |
| author_sort | Ziemba, Marika |
| collection | Directory of Open Access Books |
| description | 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. |
| format | Online |
| id | doab-20.500.12854ir-177441 |
| institution | Directory of Open Access Books |
| language | pol |
| publishDate | 2026 |
| publishDateRange | 2026 |
| publishDateSort | 2026 |
| publisher | Wydawnictwo Uniwersytetu Łódzkiego |
| publisherStr | Wydawnictwo Uniwersytetu Łódzkiego |
| record_format | ojs |
| spelling | doab-20.500.12854ir-1774412026-06-12T13:39:43Z Teoretyczne i empiryczne wyzwania związane z ochroną konsumenta na rynku usług finansowych Ziemba, Marika R. Stopczyński, Andrzej Consumer protection Customer protection in the financial services market Ajzen Theory of planned behavior thema EDItEUR::L Law::LN Laws of specific jurisdictions and specific areas of law::LNT Social law and Medical law::LNTU Consumer protection law thema EDItEUR::K Economics, Finance, Business and Management::KF Finance and accounting::KFF Finance and the finance industry 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. 2026-06-12T13:39:41Z 2026-06-12T13:39:41Z 2025 book ONIX_20260612T144849_9788383318646_27 9788383318646 9788383318639 https://directory.doabooks.org/handle/20.500.12854/177441 pol image/jpeg Attribution-NonCommercial-NoDerivatives 4.0 International https://press.uni.lodz.pl/index.php/wul/pl/catalog/book/1548 Wydawnictwo Uniwersytetu Łódzkiego electronic 10.18778/8331-864-6 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. 10.18778/8331-864-6 83bfe9c9-323d-4283-b087-d859fd9af314 9788383318646 9788383318639 electronic open access |
| spellingShingle | Consumer protection Customer protection in the financial services market Ajzen Theory of planned behavior thema EDItEUR::L Law::LN Laws of specific jurisdictions and specific areas of law::LNT Social law and Medical law::LNTU Consumer protection law thema EDItEUR::K Economics, Finance, Business and Management::KF Finance and accounting::KFF Finance and the finance industry Ziemba, Marika R. Stopczyński, Andrzej Teoretyczne i empiryczne wyzwania związane z ochroną konsumenta na rynku usług finansowych |
| title | Teoretyczne i empiryczne wyzwania związane z ochroną konsumenta na rynku usług finansowych |
| title_full | Teoretyczne i empiryczne wyzwania związane z ochroną konsumenta na rynku usług finansowych |
| title_fullStr | Teoretyczne i empiryczne wyzwania związane z ochroną konsumenta na rynku usług finansowych |
| title_full_unstemmed | Teoretyczne i empiryczne wyzwania związane z ochroną konsumenta na rynku usług finansowych |
| title_short | Teoretyczne i empiryczne wyzwania związane z ochroną konsumenta na rynku usług finansowych |
| title_sort | teoretyczne i empiryczne wyzwania zwiazane z ochrona konsumenta na rynku uslug finansowych |
| topic | Consumer protection Customer protection in the financial services market Ajzen Theory of planned behavior thema EDItEUR::L Law::LN Laws of specific jurisdictions and specific areas of law::LNT Social law and Medical law::LNTU Consumer protection law thema EDItEUR::K Economics, Finance, Business and Management::KF Finance and accounting::KFF Finance and the finance industry |
| topic_facet | Consumer protection Customer protection in the financial services market Ajzen Theory of planned behavior thema EDItEUR::L Law::LN Laws of specific jurisdictions and specific areas of law::LNT Social law and Medical law::LNTU Consumer protection law thema EDItEUR::K Economics, Finance, Business and Management::KF Finance and accounting::KFF Finance and the finance industry |
| url | ONIX_20260612T144849_9788383318646_27 |
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