CEE’s Banking Penetration Champions: Czech Republic, Croatia and Belarus

By Gunter Deuber, RBI |

Gunter Deuber, Analyst at Raiffeisen RESEARCH

Current data for the CEE banking markets confirm a clear (positive) correlation between market penetration via conventional banking products and digital channels. From a regional perspective (i.e. within the subregions of Central Europe, Southeastern Europe and Eastern Europe), the Czech Republic, Croatia and Belarus are the respective markets with the highest level of digital penetration (usage of internet to pay a bill, to buy something online or to make/receive digital payments, % of population 15+).


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