摘要：instant payments are one of the most important current trends in modern banking. Solutions of this type have been implemented form large-value to retail banking. The purpose of this article is to introduce broad spectrum of application of instant payment systems and to attempt to answer the question of whether the creation and further development of instant retail payment systems is important for the efficient functioning of the Polish payment system. In the process of preparing this analysis, the following methods have been used: literature analysis, secondary data analysis and case study. The security of the payment system depends largely on providing a high efficiency of its individual components. In case of polish instant payment systems there is a high level of diversification as a result of the operation of three independent instant payment systems which ensures there high performance.
