@article{Szafrańska:204939,
      recid = {204939},
      author = {Szafrańska, Monika},
      title = {Wybrane Zachowań Rynkowych Akceptantów Kart Płatniczych  Funkcjonujących na Obszarach Wiejskich w Małopolsce},
      journal = {Roczniki (Annals)},
      address = {2014},
      number = {1230-2016-99351},
      year = {2014},
      abstract = {The paper presents results of research conducted to  characterize and assess market behaviours of  businesses
accepting payment cards operating in rural areas  and the identification of factors determining and  diversifying
these behaviours. The study involved 117  points of sale, operating in rural areas in Malopolska. As  results
from conducted analysis, 54% of the surveyed retail  and services points possessed a POS terminal, whereas
the  other did not accept card payments. Equipping a retail  point with POS terminal depends on the kind of
the retail  and services point and the period of the business operation  on the market. Payment cards were the
most frequently  accepted by self-service stores, petrol stations and shops  selling television, radio and domestic
appliances. Almost  70% of subjects operating on the market for between 6 and  10 years had POS terminals.
The main reason why the owners  of shops and service points decided to accept non-cash  payments by card was
interest among customers. The barriers  to the development of payment card acceptance network in  rural areas
are high commissions charged by settlement  agents and the fact that rural dwellers do not have payment  cards.},
      url = {http://ageconsearch.umn.edu/record/204939},
      doi = {https://doi.org/10.22004/ag.econ.204939},
}