Research

Van Hove, L., Kotkowski, R., & Polasik, M. (2026). A scaling law for two-sided networks? Empirical evidence for a mobile payment scheme. Telecommunications Policy, 50(1), Article 103103. https://doi.org/10.1016/j.telpol.2025.103103

Polasik, M., Kotkowski, R., Manikowski, A., Van Hove, L., Maciejewski, K., Huterska, A., & Jakubowska, M. (2025). Carrot and stick: Impact of regulations, subsidies, and obligations on the development of cashless payments in Poland. Journal of Central Banking Theory and Practice, 14(3), 105–138. https://doi.org/10.2478/jcbtp-2025-0025 

Wisniewski, T. P., Polasik, M., Kotkowski, R., & Moro, A. (2024). Switching from cash to cashless payments during the COVID-19 pandemic and beyond. International Journal of Central Banking, 20(3), 303–371. https://www.ijcb.org/journal/ijcb24q3a7.pdf

Van Hove, L., Polasik, M., & Kotkowski, R. (2024). Revenues of network platforms: Can they be expected to follow a growth ‘law’? Technology in Society, 78, Article 102645. https://doi.org/10.1016/j.techsoc.2024.102645

Kotkowski, R. (2023). National culture and the demand for physical money during the first year of the COVID-19 pandemic. Finance Research Letters, 51, Article 103483. https://doi.org/10.1016/j.frl.2022.103483

Kotkowski, R., & Polasik, M. (2021). COVID-19 pandemic increases the divide between cash and cashless payment users in Europe. Economics Letters, 209, Article 110139. https://doi.org/10.1016/j.econlet.2021.110139

Polasik, M., Piotrowska, A. I., Wisniewski, T. P., Kotkowski, R., & Lightfoot, G. (2015). Price fluctuations and the use of Bitcoin: An empirical inquiry. International Journal of Electronic Commerce, 20(1), 9–49. https://doi.org/10.1080/10864415.2016.1061413

Kotkowski, R., & Manikowski, A. (2023). Cash usage in Poland in 2020: Insights into the role of the COVID-19 pandemic and spatial aspects. Journal of Banking and Financial Economics, 1(19), 85–113. https://doi.org/10.7172/2353-6845.jbfe.2023.1.5

Kaźmierczak, A., Kotkowski, R., & Maciejewski, K. (2021). Pandemia COVID-19 a popyt na pieniądz gotówkowy i zmiany w zachowaniach płatniczych w Polsce w 2020 r. [The COVID-19 pandemic and changes in the demand for cash and payment behaviour in Poland in 2020]. Studia i Prace Kolegium Zarządzania i Finansów, 182, 59–76. https://doi.org/10.33119/SIP.2021.182.4

Widawski, P., Kotkowski, R., & Hnatkowski, Ł. (2016). Dostęp do rachunku płatniczego przez podmioty trzecie – wstęp do zagadnienia [Third-party access to payment accounts – an introduction to the issue]. In P. Bolibok & M. Żukowski (Eds.), Obrót bezgotówkowy w Polsce — stan obecny i perspektywy (pp. 213–225). Wydawnictwo KUL.

Polasik, M., Piotrowska, A., & Kotkowski, R. (2013). Waluta wirtualna Bitcoin z perspektywy oferentów internetowych – analiza wstępna [Bitcoin virtual currency from the perspective of the internet vendors – preliminary analysis]. Nauki o Finansach, 4(17), 130–143. https://www.dbc.wroc.pl/dlibra/publication/27962

Polasik, M., & Kotkowski, R. (revise and resubmit). The Open Banking Adoption Among Consumers in Europe: The Role of Privacy, Trust, and Digital Financial Inclusion. Electronic Markets. https://ssrn.com/abstract=4105648

Polasik, M., Piotrowska, A. I., Kuc-Czarnecka, M., Kotkowski, R., Meler, A., & Polishchuk, Y. (revise and resubmit). Consumer Adoption of Contactless Payments Across 22 European Countries. Financial Innovation.

Kotkowski, R., Polasik, M., Piotrowska, A. I., & Van Hove, L. (revise and resubmit). From Contact to Contactless: How Poland Outpaced the UK in Adoption of Payment Card Innovation. Electronic Markets.

Kotkowski, R., Dybka, P., Piotrowska, A. I., & Van Hove, L. (in review). Everyday Cash Usage and Corruption Perception: Evidence From a Panel of Countries. http://hdl.handle.net/20.500.12182/1383

Kotkowski, R. (2022). Zachowania płatnicze w Polsce — trendy i wyzwania. Obserwator Finansowy. Link.

Polasik, M., & Kotkowski, R. (2021). Temporary Panic or Fundamental Change in Payment Habits in Europe? Lesson From COVID-19 Pandemic Shift Towards Cashless Payments. SUERF Policy Briefs, 230. Link.

Kotkowski, R. (2012). Na obniżeniu opłat interchange banki także mogą zarobić. Obserwator Finansowy. Link. 

Kotkowski, R., Dulinicz, M., & Maciejewski, K. (2021). Payment Habits in Poland in 2020. Narodowy Bank Polski. [EN, PL]

Kotkowski, R., Dulinicz, M., & Maciejewski, K. (2021). Payment Habits in Poland in 2020. Key Results of the Survey. Narodowy Bank Polski. [EN, PL]

Kotkowski, R., Maciejewski, K., & Maicki, P. (2020). PayTech—Innovative Payment Solutions on the Polish Market. Narodowy Bank Polski. [EN, PL] 

Przenajkowska, K., Polasik, M., Kotkowski, R., & Krawczyk, W. (2020). Costs of Payment Instruments on the Polish Market Broken Down Into Fixed Costs and Variable Costs. Narodowy Bank Polski. [EN, PL] 

Adamczyk, S., Dzicher, M., Gajo, A., Jankowski, A., Kotkowski, R., Kotlińska, M., Krawczyk, W., Łopaciuk, M., Maciejewski, K., Maziarz, P., Nakoneczny, K., Olejnik, M., Ożdżeńska, E., Popiołek, M., Ryll, P., Szpringer, M., Woźniak, S., & Żak, R. (2020). Payment System in Poland (K. Nakoneczny, A. Tochmański, & R. Klepacz, Eds.). Narodowy Bank Polski. [EN, PL]