Badanie wpływu zmian stopy referencyjnej NBP i przeciętnego wynagrodzenia w gospodarce narodowej na wartość transakcji dokonanych kartami płatniczymi

The aim of the econometric analysis is to show the mechanism shaping the level of value of transactions made with payment cards. In the article the value of transactions from payment cards was assumed as dependent variable. Reference rate and average remuneration were accepted as dependent variables. Data from banks cover all transactions made using cards issued by banks to their clients, both in Poland and abroad. Quarterly data from the period 2000-2010 were chosen for the research. The estimation of linear order was made with the use of classic least squares method. The results confirmed the assumed hypotheses: the increase of reference rate usually leads to the decrease in the value of card transactions and the salary increase in the national economy to the reverse regularity.