About Polish Association of Loan Institutions

The founders of the Polish Association of Loan Institutions are Polish and European market leaders in consumer electronic micro-loans (lendtech companies) and also representatives of the FinTech sector, whose business activity is regulated by the Consumer Credit Act. The organization consists of employers with high reputation who apply the principles of responsible lending in practice. Members are required to conduct business in an ethical manner, respecting their clients' interests and the principles of fair competition. The Union's mission is to make these values become standard throughout the market. The Polish Association of Loan Institutions was founded in 2012. The organization associates over 40 entities operating on the digital lending market, whose total share in the online loans market in Poland is over 90%.

What we do?

The Polish Association of Loan Institutions is an organization that represents its members in public affairs. We shape and promote good practices on market. We specialize in the digital lending (lendtech) market, which is an important part of the fintech sector.

  • Analysis and reports on the lendtech market in Poland and in the world

  • Exclusive data and current market information

  • Consulting support

  • Implementation of pro-consumer projects

  • Organization of trainings, events and conferences

For Who?

The Polish Association of Loan Institutions is an organization for:

  • loan institutions providing online loans

  • also SME lending, instalment loans and credit cards

  • companies planning to start operating in Poland on the lendtech market

  • “buy now, pay later”

Member of PZIP can also be entities operating in the lendtech ecosystem:

  • fintechs providing services for loan institutions and their clients

  • marketing companies

  • legal support

  • analytical companies

  • market challengers

  • fundraisers

How to become a Member?

To become a Member of PZIP, the company must submit a relevant application. Detailed information on the conditions of membership, offer and terms of cooperation can be obtained by contacting us.

PZIP members may use the PZIP mark on their websites.

Contact Details

st. Wiejska 12, 00-490 Warsaw
E-mail: kontakt@pzip.pl
Phone: +48 22 692 42 43 or +48 693 347 520
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Our Team

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Jarosław Ryba

President of the Board

A graduate of the Faculty of Social Sciences at the University of Wrocław. Co-author of the book for students "Personal Finance. Behaviors. Products. Strategies" ed. PWN. Author of several hundred articles on economic and financial issues and many studies as well as reports on financial products and consumer behavior.

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Łukasz Piechowiak

Director of analysis department

Graduate of the Faculty of Law, Administration and Economics, University of Wrocław. In the years 2013-2016 he was the chief economist of the largest financial portal in Poland - Bankier.pl. He is currently working as a director of the department of economical analysis at the Polish Association of Loan Institutions. Also he is an editor in chief in Fintek.pl - biggest Polish portal about Fintech sector. An academic lecturer conducting classes about fintech sector services.

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Paweł Grabowski

Board representative

Legal advisor, graduate of the Faculty of Law of the University of Wrocław and also MA in the Faculty of Social Sciences of the University of Wrocław in the field of political science. In 2015-2019 he was a member of Polish Parliament of the 8th term, where he was, among others, the chairman of the standing subcommittee for small and medium-sized enterprises, a member of the Public Finance Committee, the Committee on Economy and Development and the Committee on Constitutional Responsibility.

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