{"id":6208,"date":"2026-07-09T13:47:06","date_gmt":"2026-07-09T13:47:06","guid":{"rendered":"https:\/\/ceo.com.pl\/en\/?p=6208"},"modified":"2026-07-09T13:47:06","modified_gmt":"2026-07-09T13:47:06","slug":"poles-most-worried-in-europe-about-geopolitical-risks-to-their-finances-93354","status":"publish","type":"post","link":"https:\/\/ceo.com.pl\/en\/poles-most-worried-in-europe-about-geopolitical-risks-to-their-finances-93354\/","title":{"rendered":"Poles most worried in Europe about geopolitical risks to their finances"},"content":{"rendered":"<ul>\n<li><strong>76% of Poles believe that geopolitics will have a negative impact on their personal finances, according to CRIF\u2019s \u201cBanking on Banks 2026. Financial services in times of uncertainty\u201d report.<\/strong><\/li>\n<li><strong>Armed conflicts top the list of concerns \u2013 in the Middle East and in Ukraine, feared by 53% and 48% of Poles respectively.<\/strong><\/li>\n<li><strong>73% of Polish consumers are also concerned about cyberattacks. The European average is 63%.<\/strong><\/li>\n<li><strong>However, despite these concerns, only 23% of Poles expect to have less money left at the end of the month \u2013 12 percentage points below the average for all surveyed countries.<\/strong><\/li>\n<\/ul>\n<p>The latest, fifth edition of CRIF\u2019s \u201cBanking on Banks\u201d report focuses on the role of financial service providers in supporting economic growth, resilience and security. For the first time, the survey covered both consumers and business decision-makers from five European markets: Ireland, Italy, Germany, Poland and the United Kingdom. So what affects Polish consumers\u2019 sense of security?<\/p>\n<p>Poles point to several main factors. Broadly understood political tensions affecting the financial market come first. As many as 76% of Poles are concerned about their impact on spending \u2013 the highest percentage among Europeans. Looking in more detail, 53% believe that the conflict in the Middle East will have a significant impact on their finances, while 46% point to the ongoing war in Ukraine. Inflation and the rising cost of living are also among financial concerns, worrying 48% of respondents.<\/p>\n<p>It is worth noting that concern about the consequences of the war in Ukraine is 10 percentage points higher in Poland than among consumers in Western Europe. This is hardly surprising. After all, the war is taking place just beyond our country\u2019s eastern border. When it comes to assessing the impact of the situation in the Middle East, Polish society is only slightly above the European average \u2013 by 3 percentage points.<\/p>\n<p><em>\u201cIn addition to geopolitical threats, which are causing concern across the region, Poles are also paying attention to more \u2018direct\u2019 threats, namely financial fraud and cybercrime<\/em>. <em>As many as 71% of Polish consumers believe that these are becoming an increasing concern. This is natural because, as recent years have shown, the activities of hackers and online fraudsters are not slowing down \u2013 they are even gaining momentum. It is worth remembering that fraudsters resort to identity theft by forging documents, creating fake accounts, even in the mObywatel app, or obtaining duplicate SIM cards. Most often, however, they use social engineering. They try to impersonate our relatives or financial institutions we know. That is why we should be particularly cautious and always carefully verify the sender of an email or text message, or the person we are speaking to, if they ask us to provide personal data, credit card details, or login details for an account or mobile application,\u201d<\/em> comments Kamil Gos\u0142awski from CRIF Polska.<\/p>\n<p>Poles are also the most concerned in Europe about the scale of cyber threats at the continental level. 73% of them believe that Europe is now more exposed to financial cyberattacks than a year ago, compared with a European average of 63%, while 67% point to a growing risk for Poland itself. Two-thirds of respondents, 68%, fear attacks originating from abroad, and the same percentage point to the threat posed by the use of artificial intelligence to create new forms of fraud.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/ceo.com.pl\/en\/poles-most-worried-in-europe-about-geopolitical-risks-to-their-finances-93354\/#How_do_concerns_affect_attitudes_towards_personal_finance\" >How do concerns affect attitudes towards personal finance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/ceo.com.pl\/en\/poles-most-worried-in-europe-about-geopolitical-risks-to-their-finances-93354\/#Poles_view_the_financial_sector_positively\" >Poles view the financial sector positively<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"How_do_concerns_affect_attitudes_towards_personal_finance\"><\/span>How do concerns affect attitudes towards personal finance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Despite everything, Poles remain optimistic about their financial situation. Only 24% fear that it will worsen over the next 12 months, compared with an average of 27% across all surveyed countries. Meanwhile, only 23% expect to have less money left at the end of the month \u2013 clearly below the European average of 35%.<\/p>\n<p><em>\u201cIt is also worth noting that Poles are leaders when it comes to plans to increase spending over the next year. Such a declaration was made by 17% of respondents, compared with a European average of 12%. What is more, one in four Polish consumers, 26%, say they have not felt increased financial pressure over the past 12 months. This is the highest percentage among the surveyed countries. I would also like to emphasise that even when additional financial burdens appeared, Poles found ways to minimise them. Most often, they looked for additional discounts and promotions, 20%, reduced the amount of money they set aside, 19%, and only 18% decided to dip into their savings to cover everyday expenses,\u201d<\/em> notes Kamil Gos\u0142awski from CRIF Polska.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Poles_view_the_financial_sector_positively\"><\/span>Poles view the financial sector positively<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The final part of the survey also examined how consumers perceive financial institutions. Nearly two-thirds of Poles, 64%, believe that financial services significantly support the economic growth of our country. A similar percentage, 67%, believe that Europe should have its own independent network of financial service providers and be less dependent on entities from outside the continent, for example from the United States. However, it is worth remembering that more than half of respondents, 53%, also believe that financial institutions have an obligation to offer affordable products in more difficult times.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>76% of Poles believe that geopolitics will have a negative impact on their personal finances, according to CRIF\u2019s \u201cBanking on Banks 2026. Financial services in times of uncertainty\u201d report. Armed conflicts top the list of concerns \u2013 in the Middle East and in Ukraine, feared by 53% and 48% of Poles respectively. 73% of Polish [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4967,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","jetpack_publicize_message":"Poles are among the most concerned Europeans when it comes to the impact of geopolitics on personal finances. According to CRIF\u2019s \u201cBanking on Banks 2026\u201d report, 76% of Polish consumers believe that global political tensions may negatively affect their household budgets.\r\n\r\nThe biggest concerns are armed conflicts in the Middle East and Ukraine, inflation, financial fraud and cyberattacks. As many as 73% of Poles believe Europe is now more exposed to financial cyberattacks than a year ago.\r\n\r\nDespite these concerns, Polish consumers remain relatively optimistic. Only 23% expect to have less money left at the end of the month, compared with a 35% average across the surveyed European countries. Poles are also more likely than other Europeans to plan higher spending over the next year.","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[6],"tags":[2974,2789,2788,4599,283,284,4501,64,2680,2813,51,333,2526,130],"class_list":["post-6208","post","type-post","status-publish","format-standard","has-post-thumbnail","category-finance","tag-artificial-intelligence","tag-beyond","tag-continental","tag-crif","tag-ireland","tag-italy","tag-mobywatel","tag-poland","tag-polska","tag-sense","tag-ukraine","tag-united-kingdom","tag-war-in-ukraine","tag-western-europe"],"jetpack_publicize_connections":[],"_links":{"self":[{"href":"https:\/\/ceo.com.pl\/en\/wp-json\/wp\/v2\/posts\/6208","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ceo.com.pl\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ceo.com.pl\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ceo.com.pl\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ceo.com.pl\/en\/wp-json\/wp\/v2\/comments?post=6208"}],"version-history":[{"count":0,"href":"https:\/\/ceo.com.pl\/en\/wp-json\/wp\/v2\/posts\/6208\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ceo.com.pl\/en\/wp-json\/wp\/v2\/media\/4967"}],"wp:attachment":[{"href":"https:\/\/ceo.com.pl\/en\/wp-json\/wp\/v2\/media?parent=6208"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ceo.com.pl\/en\/wp-json\/wp\/v2\/categories?post=6208"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ceo.com.pl\/en\/wp-json\/wp\/v2\/tags?post=6208"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}