In 2025 Poland is taking another step towards the digital future, but not all citizens are certain that it is simply a step towards advancement or full control of their finances. Planned changes in the payment system, digitization and introduction of fresh regulations rise controversy and questions about the future of cash in Poland.
State digitization – investments of PLN 100 billion
The Ministry of Digitization predicts that by 2030 the government will allocate to the broad digitalisation of the state above PLN 100 billion. Deputy Prime Minister Krzysztof Gawkowski emphasizes that digitalisation must cost money and without it it it is impossible to guarantee the safety of the state, especially in times of crisis. The Digital strategy of Poland until 2035 includes work on launching the national telecommunications satellite and expanding the number of ICT specialists to 1.5 million.
New cash payment limits in the European Union
As of 2027, fresh cash payment limits will be introduced throughout the European Union. Cash transactions between entrepreneurs and customers will be possible only up to the amount EUR 10 000. In addition, cash payments exceeding EUR 3 000 they will require the recognition of the individual conducting the transaction. The aim of these regulations is to combat money laundering and terrorist financing and to increase financial transparency throughout the European Union. Turn0search2
Digital gold – Poland will shortly join digital currencies
A race of digital money issuers started on the EU regulation. In Poland it is expected to appear in circulation e-gold. This solution can change the rules of the payment and transaction market. The fresh fashion is not ignored by Polish commercial banks or the National Bank of Poland.
"Road towards digital decade" policy programme by 2030
In January 2023, the "Road towards a Digital Decade" policy programme entered into force by 2030. The paper sets out directions for the improvement of the European Union's digital transformation by setting out a number of general and digital objectives. It sets out a monitoring and cooperation mechanics that aims, inter alia, at creating conditions for innovation and structured cooperation between the European institutions and associate States.
MoneySocial reactions and citizens' concerns
The introduction of digital gold and restrictions on cash payments rise controversy among citizens. any fear that these changes lead to privacy and full control of their finances. The Institute of civilian Affairs calls on the National Bank of Poland to preserve cash as a means of payment, stressing its function in ensuring the financial freedom of citizens.
Poland faces major changes in the payment and finance system. Digitalisation, the introduction of digital gold and restrictions on cash payments are steps towards the future, but besides challenges related to the protection of privacy and civilian liberties. It is crucial that citizens be aware of these changes and actively participate in the debate on the future of finance in Poland.
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The government is implementing a plan for full control of your finances by 2030. Cash liquidation is just the beginning.
