Innowacje rynku kart płatniczych w Polsce - charakter, tempo i zasadność wprowadzanych zmian

The purpose of the paper is to present the process-technological character of innovations implemented in the pay card market, to justify the direction of the introduced changes, and  to  assess the degree of their advancement. The innovations discussed were generally divided into two groups. The first group involves innovations improving card payment safety: microprocessors in EMV standard, 3-D Secure protocol, and biometry. The second group are  innovations improving card functionality. The most significant here is equipping EMV  standard microprocessor cards in the proximity technology, and installing NFC  technology chips in telephones, which along with biometry initiated the era of  abandoning plastic cards.