Our history


The Association of Financial Companies in Poland (ZPF) has been set up in 1999 to represent the Polish credit intermediation trade. The key persons behind ZPF’s creation were Mariusz Łukasiewicz, CEO of Lukas Bank, Sylwester Cacek, CEO of Dominet Bank and prof. Wojciech Żurawik, CEO of PKO TF.

Since the year 2000 ZPF has been an active participant of the regulatory process, being consulted on issues crucial for the retailfinancial services industry. In 2005 the scope of the industries that ZPF represents has been widened and it now speaks for several areas of the financial services market including the consumer finance banking sector, credit intermediation, financial advisory, economic information exchange, insurance and debt collection and management.

In cooperation with one of the most recognised business ethics experts – prof. Wojciech Gasparski – KPF initiated the creation and implementation of an ethics code – The Principles of Good Practice. Rules laid down in this document have set new business standards for credit intermediation, debt collection and economic information exchange, thus improving the level of services and increasing trust among market players.

Bussiness ethics play a major role in ZPF’s activities. Setting up an Ethics Commission and implementing an ethics program are two key elements of creating amd maintaining fruitful relations with stakeholders responsible for protecting consumer rights in Poland.

Another of ZPF’s vital focus points is education. It triggered the idea of launching a publishing cycle – the Library of Consumer Finance Congress – which already includes a number of important publications and is a platform for publishing personal finance guides for consumers. It is also used as means form promoting workshops and conferences, which form an important part of a dialogue with Polish consumer organisations. One example is the Consumer Finance Congress, which throughout its 6 editions was attended by over 1.400 participants and 200 speakers.

For over six years ZPF has represented Poland’s financial services trade in one of the most recognised European trade organisations – EUROFINAS – a federation which brings together 18 member associations from different EU member states and as such represents over 1.200 financial services institutions across Europe.