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Older adults are already digital finance users
Recent Polish research shows that 82% of adults aged 60+ already use online banking. Card use is even more common, and mobile payments are gradually spreading as confidence with smartphones grows.
BLIK is part of that shift. It is no longer a tool associated only with younger users. For many people it has become a fast and familiar way to pay, send money or confirm purchases.
Usage does not equal safety
The real gap appears when learners assess their digital safety knowledge. Many older adults describe their competence as average, even though they use increasingly complex tools every week.
That matters because someone can know how to log in, send a transfer and use BLIK, yet still not recognise a fake login page, a spoofed phone call or a fraudulent request for a one-time code.
Fake domains and fake investments
Reports from CSIRT KNF show that a large share of fraudulent domains are linked to fake investment offers. They often look polished, urgent and trustworthy, which makes them effective against people who are trying to protect or grow retirement savings.
In practice, the danger is rarely one single technical trick. It is a chain: ad, landing page, phone call, reassurance, transfer, and then silence.
What safe habits should look like
Safe banking starts with manual login, transaction limits, alerts for every operation and a strict rule never to share SMS or BLIK codes with anyone who calls unexpectedly.
No real bank will ask a client to move money to a so-called safe account, read a BLIK code over the phone or install remote access software.
What ODYSSEY teaches
In Module 3 we break digital finance into very small steps: how to recognise the real login page, how to check a message before clicking, how to set limits and how to react when something feels wrong.
The goal is not just to explain banking. It is to make safety feel normal, repeatable and low-stress for people who want independence, not more fear.