Trust in Banking Service Providers – the Profile of The Excluded in the Selected Counties of Northern Lubelskie
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The purpose of the study was the examination of the degree of trust to three institutions supplying
banking services, i.e., a generic bank, SKOK (a type of a credit union), and Post Bank using survey data
obtained from 125 residents of six villages located in the northern Lubelskie province in August and July in
2013. Results indicate rather small differences in the degree of trust across the three institutions, although
the expressed trust was slightly higher in case of banks than in case of SKOK, and the latter were trusted
slightly more than Post Bank – the most recent, among the three institutions, entrant on the financial services
market in Poland. Respondent trusting less any of the three institutions are older, have a lower educational
attainment level and prefer holding cash. Logit analysis results indicated that owing a bank account positively
influenced the trust in all institutions, although the remaining factors influencing the trust differed across the
three, e.g., men trusted less the Post Bank than women.