A 30-second credit decision is now the industry standard. Bank Millennium sells 88% of its cash loans digitally, and Bank Pekao pays out funds within 30 seconds of contract acceptance. When every competitor is this fast, the advantage moves elsewhere: to the application journey, the rejection message, and the moment a customer decides to buy.
The report combines Miquido's competitive analysis of the Polish BNPL and lending market with a benchmark of the most advanced credit apps worldwide, from Allegro Pay and Klarna to Nubank and WeBank. It shows which activation and loyalty mechanisms actually work, and what institutions need to have in place before CCD2 takes effect on 20 November 2026.
“Measure where in the process you're actually losing customers and money. Don't guess. (…) One solid analysis of the decision funnel, counted in złoty rather than in percentage points of model accuracy, can point to a completely different priority for next quarter than the one that looked obvious from the risk team's seat.”
Sebastian Malczyk
Fintech Solutions Lead, Miquido
What you'll find in the report
Six challenges of digital lending
From abandoned applications and unexplained rejections to the unit cost of transactions under PLN 100, which make up 52.3% of BNPL in Poland. Problems that cost money and reputation, yet rarely have a dedicated owner.
Competitive analysis of the Polish market
Why the dividing line runs between distribution models: players embedded in host apps (Allegro Pay, Alior Pay, InPost Pay) versus those building distribution from scratch (PayPo, Smartney, Twisto).
Six trends backed by market benchmarks
Scoring without extra questions, rejection as a product, credit embedded in someone else's context. Each trend comes with an institution that implemented it first and measured the effect.
Loyalty mechanisms that work without a new loan
Revolut RevPoints, Klarna Rewards Club, Nubank NuCoin, Chime and Monzo: how market leaders give customers a reason to open the app between loans. Plus examples from emerging markets, where repayment itself drives retention.
How Gen Z is redefining trust
44% of US Gen Z used BNPL in 2024, and in the 2025/26 holiday season BNPL overtook credit cards in this group for the first time. What this generation expects from forms, data and rejections.
CCD2 readiness: four layers and five audit questions
Customer effort, decision, data and consent. A practical checklist to run before 20 November 2026, especially with the Polish Consumer Credit Act still uncertain.
