BOROWSKI-BESZTA, Mikołaj and KIERMAS, Anna. THE USAGE OF MOBILE BANKING APPLICATIONS IN POLAND: EMPIRICAL RESULTS. Copernican Journal of Finance & Accounting. Online. 27 June 2019. Vol. 8, no. 1, pp. 9-25. [Accessed 18 December 2025]. DOI 10.12775/CJFA.2019.001.