Build the capability where the depth already exists.
Poland is a location decision about capability depth and maturity — not about cost. For GBS leaders, CIOs and technology leadership deciding what to build next.
Why Poland?
An established financial-services and business-services ecosystem inside the EU — mature hubs, specialist experience and years of accumulated domain knowledge.
Why financial-services technology?
Global banks, market infrastructure firms and insurers have moved real ownership here: platforms, engineering accountability and regulatory delivery.
What can be built here?
Specialised capabilities across markets, payments, risk & regulatory and banking & wealth — supported by engineering, cloud, data, cyber and emerging technology.
How does CAPTIQ help?
We read the environment, select the right expertise, enable it in delivery and take progressively more ownership as the capability matures.
From delivery location to capability hub.
The ecosystem is already here.
Against 28 in the United Kingdom, 15 in Lithuania, 14 in Ireland and 10 in Germany. Polish hubs include Warsaw (23), Kraków (8) and Wrocław (6).
The scale matters, but the shift in complexity matters more. Nearly 60% of services delivered by the sector are knowledge-intensive, and more than 54% involve complex mid-office activity such as advanced analytics and cybersecurity.
A signal about the direction of new investment, not the composition of the whole market.
Warsaw hosts 418 business-services centres. Knowledge-based tasks account for close to 60% of activity, and the share of IT centres in employment rose from 18.7% in 2015 to 31.6% in 2025, alongside growing Centres of Excellence in IT, finance and banking.
What capability should we build in Poland next?
Markets
- Trading
- Market Data
- Post-Trade
Payments
- Payments Infrastructure
- Cards
- Transaction Banking
Risk & Regulatory
- Market Risk
- Credit Risk
- Financial Crime
Banking & Wealth
- Core Banking
- Digital Banking
- Wealth Technology
Why the conversation has changed.
The market combines an established BFSI footprint with increasingly knowledge-intensive business services, growing IT and R&D activity and technology hubs carrying broader responsibility. That makes Poland relevant not only for delivery capacity, but for capabilities that require domain knowledge, engineering depth and continuity.
Ecosystem maturity
Poland's financial-services technology story has moved beyond first-generation offshoring. Many organisations are expanding the complexity and ownership of the work delivered from Poland.
EU regulatory proximity
Operating inside the EU regulatory perimeter shortens the distance to supervisors, frameworks (DORA, MiCA, PSD3) and cross-border risk topics.
Depth in the same metros
Banking, payments, markets, data and cyber work is delivered from the same cities, which is what makes teams and managed capability practical. Access alone is not the advantage; selecting the right specialist expertise is.
European access
Inside the EU and in aligned time zones — practical for day-to-day stakeholder engagement across European delivery.
What capability are you building?
Tell us about the environment, the challenge and the outcome you need. We'll start there.