Nazywamy to bankowością elektroniczną.

Nazywamy is the 1st person plural form of nazywać, meaning to call or to name.

So nazywamy means we call.

In Polish, the subject pronoun my (we) is usually omitted because the verb ending already shows who the subject is. That is why you do not need to say My nazywamy unless you want special emphasis.

So the structure is basically:

Nazywamy = We call

Because after nazywać kogoś/coś kimś/czymś (to call someone/something something), Polish normally uses the instrumental case for the name or label being assigned.

That is why:

• bankowość elektroniczna = nominative, the basic dictionary form
• bankowością elektroniczną = instrumental

So:

• To jest bankowość elektroniczna. = This is electronic banking.
• Nazywamy to bankowością elektroniczną. = We call this electronic banking.

Both words change because both parts of the noun phrase must agree in case:

• bankowość → bankowością
• elektroniczna → elektroniczną

Here to is in the accusative, and it means this.

In the sentence:

Nazywamy to bankowością elektroniczną.

the verb nazywać takes:

• a direct object: to = this
• and then a label/name in the instrumental: bankowością elektroniczną

So the pattern is:

nazywać + object + instrumental label

For example:

• Nazywamy go ekspertem. = We call him an expert.
• Nazywamy to sukcesem. = We call it a success.

Polish usually does not need a separate word like as in this structure. The instrumental case does that job.

English:

• We call this electronic banking

Polish:

• Nazywamy to bankowością elektroniczną

The idea of X is being identified as Y is shown by the case ending, not by an extra word.

That is very common in Polish with verbs like:

• być in some expressions
• stać się
• zostać
• nazywać

Yes, it is grammatical and understandable. It means something like We call this electronic banking.

However, depending on context, Polish speakers might also say things like:

• To nazywamy bankowością elektroniczną.
• To się nazywa bankowość elektroniczna.
• Nazywa się to bankowością elektroniczną.

These alternatives can sound a bit more natural in explanatory or definitional contexts.

Very roughly:

• Nazywamy to... = We call this...
• To nazywamy... = This is what we call...
• Nazywa się to... = This is called...
• To się nazywa... = This is called... / This is what is called...

So your sentence is correct, but other versions may be more common depending on style.

The difference is mainly in focus and style.

• Nazywamy to bankowością elektroniczną.

  • literally: We call this electronic banking
  • active structure
  • focuses on people giving the name

• To się nazywa bankowość elektroniczna / bankowością elektroniczną

  • literally: This is called electronic banking
  • more impersonal
  • often sounds more like a definition or textbook explanation

A learner will often hear nazywa się in dictionary-style or explanatory sentences.

Nazywać is the imperfective verb, while nazwać is perfective.

In this sentence, nazywamy presents a general naming convention: this is what we call it. That fits the imperfective well.

Compare:

• Nazywamy to bankowością elektroniczną.

  • We call this electronic banking.
  • general, descriptive, habitual

• Nazwaliśmy to bankowością elektroniczną.

  • We called it electronic banking.
  • completed action in the past

So the imperfective is the normal choice for definitions and general statements.

Yes. Polish word order is more flexible than English because the grammatical relationships are shown by endings.

Possible versions include:

• Nazywamy to bankowością elektroniczną.
• To nazywamy bankowością elektroniczną.
• Bankowością elektroniczną nazywamy to.
  (possible, but marked and less neutral)

The most neutral version depends on what you want to emphasize:

• Nazywamy to... → neutral statement
• To nazywamy... → emphasis on this
• Bankowością elektroniczną... → emphasis on the term itself

So yes, the order can change, but not all versions sound equally natural in all contexts.

Because the adjective and noun agree with each other.

Dictionary forms:

• bankowość = banking
• elektroniczna = electronic

In the sentence, both move into the instrumental feminine singular:

• bankowością
• elektroniczną

That agreement shows they belong together as one noun phrase: electronic banking.

This is very important in Polish. Adjectives usually match the noun in:

• gender
• number
• case

It is singular.

Bankowość is an abstract noun, like banking in English. Abstract nouns are very often singular when talking about a concept or field.

So:

• bankowość = banking
• bankowością = with/by/as banking, depending on context and grammar

Here it means electronic banking as a concept, not multiple separate bank-related activities.

A rough pronunciation guide:

• Nazywamy ≈ nah-zih-VAH-mih
• to ≈ toh
• bankowością ≈ ban-koh-VOSH-chyom
• elektroniczną ≈ eh-lek-troh-NEECH-nom

A few things learners often notice:

• ą is a nasal vowel. At the end of a word, it often sounds somewhat like om or a nasalized o.
• ś is a soft sh-like sound.
• cz sounds like English ch in chop.
• -zną in elektroniczną is pronounced roughly zhnom or chnom depending on how detailed you want to be phonetically.

The exact pronunciation is hard to capture in English spelling, but the main thing is that the endings -ą are not silent and are important grammatically.

Yes, that is also grammatical, because Polish adjectives can sometimes come before or after the noun.

However, bankowość elektroniczna is the more standard, dictionary-like order for this term, so in instrumental:

• bankowością elektroniczną is the more natural fixed term

While:

• elektroniczną bankowością is possible, but sounds less like the usual established label

So for a standard expression, bankowością elektroniczną is the safer choice.

A very useful pattern is:

nazywać + object (accusative) + name/role/label (instrumental)

Examples:

• Nazywamy to problemem. = We call this a problem.
• Nazywamy go bohaterem. = We call him a hero.
• Nazywamy to bankowością elektroniczną. = We call this electronic banking.

If you remember that the label goes into the instrumental, this sentence becomes much easier to understand and build yourself.