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The VAS 2026 Report is a unique publication that combines the in-depth perspective of market researchers, the expertise of technology specialists, and the strategic insights of banking sector leaders.
Thanks to this synergy, the publication provides a comprehensive picture of the non-banking services ecosystem—from hard data and AI capabilities to the growth visions of the largest financial institutions.
The report’s partner is EDISONDA, which brings a research & design perspective built on years of experience in analyzing and designing digital financial services for banks and insurers.
“After reading the report, I must admit you accurately diagnosed the turning point. Traditional banking products have become heavily standardized. Consequently, competition between banks has shifted to "share of wallet," namely customer attention and time spent within the entire app ecosystem.”
What you'll find in the report?
A Strategic Look at the VAS Market in Poland
An analysis of banks transforming into digital ecosystems. Discover how market leaders, like PKO BP, are building a competitive edge by offering nearly 20 value-added services.
The Voice of Thought Leaders and Industry Experts
Exclusive interviews and commentary from representatives of Bank Pekao, Revolut, ZEN.COM, and PKO BP. Discover how the industry's biggest players are defining the standards of modern banking.
What Do Customers Really Expect?
The results of a unique survey conducted with over 160 respondents. Discover why the Trusted Profile (Profil Zaufany) is just the beginning, and what specific concerns are holding users back from adopting a wider range of in-app services.
Ranking and Benchmarks of Non-Banking Services
A comparative breakdown of 10 traditional banks and 3 neobanks. See which service categories—from e-government to lifestyle—dominate the market, and where innovation is still lagging.
Upcoming Trends: From the Silver Economy to EV Finance
A guide to the future. We analyze how an aging population, electromobility, and a focus on well-being are opening up entirely new monetization avenues for financial institutions.
Technology and Security as a Foundation
Practical insights on implementing value-added services (VAS). Learn how to design intuitive interfaces and drive customer retention without overloading the banking app.
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