摘要：The aim of the article is to evaluate changes in the perception of advantages and disadvantages of contactless payments by a specific group of users. Young and well-educated people were considered to be an interesting research group. The presented analysis was made from the perspective of three points in time - the first point was the end of 2011, the second turn of 2015/2016, and finally the third beginning of 2018. The research tool was an online survey. The research material was subjected to statistical assessment. The conducted research has shown that within a decade from the introduction of contactless payments in Poland, these payments became something obvious for a group of young people - and more importantly - something they regularly use. The knowledge about the concept of contactless payments is supported by the relatively high general knowledge of the technical aspect of making payments. Interestingly, gaps in knowledge correspond perfectly with security concerns - there are still serious concerns about not only the act of making contactless payments, but also those related to the storage of the payment instrument.
