ABOUT THE CONGRESS
day I: 9:00 – 16:10
day II: 8:30 – 14:30
(Gala dinner on the first night)
We expect around 750+ representatives from the academia, business, public administration and media
For the fourth time eDukaty – awards for the leading companies and experts in the market of cashless payments – will be awarded at the Congress.
You too can be The Winner of eDukat 2018 – nominate your company, your boss, your leading products. The awards will be handed out on 20-21 March 2018, during the 6th edition of Cashless Congress. For this truly fantastic event there only remains:
08:00 Registration / Coffee
09:00 Opening of the Congress/welcoming speeches:
- Robert Łaniewski – CEO, FROB
- Mieczysław Groszek –President, Cashless Poland Foundation
10:20 Presentation 1 Cashless Payment Support Program – state of play 11:30 Coffee break 12:00 Presentation 2 The digitized Retailer 13:15 Presentation 3 Transaction Technologies in digital economy 13:30 Presentation 4 A new PSP for the Polish market 14:30 Lunch break 15:15 Presentation 4 Legal challenges in 2018 on the payment landskape 16:30 Summary on the first day
10:20 Presentation 1 Cashless Payment Support Program – state of play
11:30 Coffee break
12:00 Presentation 2 The digitized Retailer
13:15 Presentation 3 Transaction Technologies in digital economy
13:30 Presentation 4 A new PSP for the Polish market
14:30 Lunch break
15:15 Presentation 4 Legal challenges in 2018 on the payment landskape
16:30 Summary on the first day
10:30 Presentation 9 Incentives as a key driver in changing paymentshabits of Poles – results of consumer survey 12:00 Coffee Break 12:30 Presentation 10 BLIK three years after launch- accelerates e-commerce and changes payment habits of Poles 13:45 Presentation 11 SoftPOS – The future of payment acceptance solutions 15:20 Summary of the second day of the Congress 15:25 Lunch End of the Congress
10:30 Presentation 9 Incentives as a key driver in changing paymentshabits of Poles – results of consumer survey
12:00 Coffee Break
12:30 Presentation 10 BLIK three years after launch- accelerates e-commerce and changes payment habits of Poles
13:45 Presentation 11 SoftPOS – The future of payment acceptance solutions
15:20 Summary of the second day of the Congress
End of the Congress
A series of workshops that will be held in parallel with the Congress Program, focusing on specific issues of the payments market, leading by industry experts for an agile groups (up to 30 participants) The workshop will take place in the Boardroom room on March 20, 2018 :
10:20-11:40 Designing, creating and testing BLOCKCHAIN networks based on open source technologies (Hyperledger Composer)
- Introduction to blockchain technology
- We design a blockchain network – where to start?
- Online demonstration of commissioning and testing of a designed network using Hyperledger Composer tools
- Karolina Marzantowicz – IBM Distinguished Engineer; CEE Chief Technology Officer Member, IBM Academy of Technology
- Jacek Więcki – Director of the IT Strategy and Development Department, National Clearing House
12:15-13:15 Implementation of the GDPR on the market of payment service providers
- GDPR – fundamental changes in the protection of personal data
- GDPR – new duties or new opportunities?
- Administrative, civil and criminal liability for breach of the GDPR
- dr Jan Byrski – Traple Konarski, Podrecki and Partners
13:30-14:45 Legal consequences of failure to ensure transaction security based on PSD2
- Security orders and bans regarding PSP’s in PSD2.
- Strong customer authentication; scope and responsibilities.
- Responsibility for breaches of security obligations.
- Consumer protection related to the security of payment transactions on the basis of PSD2.
- Artur Piechocki – Legal Advisor, Owner of APLaw
15:15-16:30 PSD2, RTS and Polish API – light and shade of open banking
- New services and new opportunities, new and existing players
- Key PSD2 / RTS requirements
- Standardization challenges
- Cooperation as the key to success 2.
- Krzysztof Pycia – Director of Mobile Product and Digital Identity, National Clearing House (KIR)
- Leszek Gerwatowski – Deputy Director of IT Strategy and Development, National Clearing House (KIR)
Arkadiusz Bochniak, an independent expert and passionate about the card payment market. Active industry player for more than 23 years.
He gained experience in managerial positions at PolCard. For the last 7 years, he has been leading the Business Departmentat eService, and brought the Company to the top and the leader in Central Europe. During his professional career, he acquainted with the industry and gained experience also from the perspective of supplier (MCX Systems), consultant and merchant (RUCH S.A).
He graduated from the Faculty of Economicsat the University of Szczecin, an MBA from the West Pomeranian Business School accredited by the University of Leeds and postgraduate studies at the University of Warsaw. In his spare time he travels, and his exceptional patience during shopping explains his desire to see the terminal and way to pay in the most exotic places.
Heading Retail Payments Category in BP global procurement team responsible for acceptance & issuance strategies and implementation of major procurement activities and projects in payments area. Payments industry expert with almost 20 years of experience.
He joined BP in 1998 – from the very beginning related to the topic of payments. He spent first 10 years working in the fields of fuel cards covering various positions. He has been involved in supporting IT systems, business development and project management
In 2006 joined BP’s European structures leading business support team and later managing Payments Acceptance Strategy in Europe. As part of his career development he joined global procurement organization in 2014.
In the years 2012 – 2015 active member of POPIHN and FROB representing the fuel sector in the debate on fees related to payment cards in Poland as subject matter expert.
He graduated from the Faculty of Management at the AGH University of Science and Technology in Cracow.
President of the Management Board of eService since October 2017
Has been associated with the company since 2004. Started as a director of the Department of Finance and Accounting and then Managing Director of the business and operations division. After seven years of work in the company’s structures, in 2011 Joanna Seklecka became the Vice President of the Management Board of eService SA, belonging to the PKO Bank Polski Group. In this position, she was responsible for the business and financial aspects of eService, leading the company to become the market leader in processing non-cash payments in Poland. In 2014, co-ordinated the transformation of the company, combined with the entry into the international group EVO Payments International. In the same year, while remaining on the position of Vice President of the Management Board of eService, she also assumed the position of General Manager for Poland in the EVO Payments International Group.
From October 2017 he is responsible for the entire CEE area (Central, Eastern Europe).
She was awarded the title of Expert of Fintech in 2017 by the organizers of the campaign “Known Experts”.
Joanna Seklecka is a graduate of the elite Stanford Executive Program, run by Stanford University and directed to the most experienced managers, Finance and Banking at the Warsaw School of Economics and Doctoral Studies in Management. Previously worked in the fields of computer games, consultancy and auditing.
She likes spending time with her closest friends, most willing to ski – both traditional and aquatic.
Sywester Suszek graduated from the Faculty of Management at the Jagiellonian University and studied MBA. Since 2014 he is a CEO of BitBay – the largest cryptocurrency trading platform in Central and Eastern Europe, one of the top exchanges in the world. From September 2016 he is also CEO of BitBayPay, a service which offers innovative solutions for fast, convenient and international Bitcoin payments. Sylwester is a Member of the Polish Bitcoin Association, cryptocurrency evangelist and a specialist in payments using cryptocurrency. As a member of the team at the Ministry of Digitization, he is a partner of financial and state institutions in the area of increasing the security of cryptocurrency trading. He was a speaker at conferences: Techmine Innovations, Forum on Electronic Media Law, SGC Bitcoin Seminar, Polish Cards and Systems, Digital Money & Currency Forum, TAPT 2015 and 2016, Fintech Digital Congress 2016 and Industrial Forum in Karpacz 2016.
President of the Management Board in the Polish Payment Standard. Mr Mazurkiewicz previously served as the Vice President of the Management Boardresponsible for product and business development.
Between 2010 and 2014 he was working for SkyCash Poland, where he was the President of the Board and led this innovative mobile payment services’ provider to the position of market leader in Poland.
In 2008-2010 he was the President of the Management Board at Bauer-Weltbild Media, developing multichannel sales in media segment. Between 2006 and 2008 he was the Vice President of the Management Board and Chief Financial Officer of Interia.pl SA in Cracow.
From 2002 to 2006 he held positions in finance– as a Financial Controller and then Finance Director at Michelin Group headquarters in France.
He is a graduate of financial management at the Academy of Economics in Katowice and the Silesian International Business School. He has experience in corporate finance, e-commerce and direct marketing.
Piotr Waś holds a masters degree from the University of Economics in Krakow. In the 90s he worked in companies involved in supplying solutions in the areas of IT and systems supporting management, including Qumak, Hogart, Exact Software. He gained managerial experience, among others, in the company First Data, at the position of the Sales Director and in Euronet Worldwide, at the position of the Sales Manager for Central Europe. Since 2012 he has been working in Ingenico Group as a Country Manager for Poland & Baltic countries and later in the same capacity for Ukraine and Hungary. In april 2017 he became the Managing Director responsible for Eastern Europe. Piotr Waś reports directly to Luciano Cavazzana, Senior Vice President EMEA, Banks & Acquirers Business Unit.
He started his career in 1994 at Powszechny Bank Kredytowy SA. From 1995 until 2008, he worked for PolCard SA / First Data Polska SA. where he held posts from Financial Planning and Reporting Unit Manager to Financial Planning and Controlling Director. In 2006-2007, he was a member of the Management Board and Chief Financial Officer of First Data Polska SA.
In 2007-2008, he was active in establishing First Data’s Shared Services Centre in Gdańsk, serving as Finance and Controlling Director.
In 2008 started to work for LPP SA as Financial Controller.
Promoted to CFO and Board Member of LPP SA in December 2014.
Director of the Banking and Capital Market Client Division at The Polish Financial Ombudsman. Joined the Financial Ombudsman’s Office in 2015 with the chief responsibilities concentrating on supporting individuals in disputes with the financial institutions, undertaking actions condemning wrong practices and initiating structural changes aiming at better protection of clients’ rights. Between 2002 and 2015 Agnieszka Wachnicka worked for the Polish Ministry of Finance as an expert, then as a Deputy Director of the Financial Market Development Department. Responsible for the financial market regulation. Agnieszka was elected to the Board of Directors of the Bank Gospodarstwa Krajowego in 2012. She held this position until November 2015.
Agnieszka received her bachelor’s degree in finance and banking from the Warsaw School of Economics.
Graduated from the School of Management and Banking in Poznan and the International MBA program at the Business School of the Warsaw University of Technology, accredited by the London Business School.
Since 2001 associated with the telecommunication market in NFI, Polsat and Netia. Responsible for projects related to the demonopolisation of the telecommunications market, launching universal Internet access and providing eCommerce products.
For eight years a manager in the settlement agents’ segment. As Marketing Director at eService S.A. and now First Data Polska S.A., responsible for building a company’s position in the market, marketing strategy, launching new products and building innovative sales channels.
Roman Pogorzelski manages Warsaw representative office of SIA S.p.A., one of the largest international payment processors. The company is among European leaders in the design, creation and management of technology infrastructures and services for Financial Institutions, Central Banks, corporates and public sector in the areas of payments, cards, network services and capital markets. Roman started its career working for several years for American Express TRS Co, holding number of managerial positions within international structures of the company, including Sales Director role for prepaid products taking over responsibility for the company’s Central & Eastern Europe region. After leaving American Express, Roman joined consulting firm PentegyS.A., where, acting as a member of the company’s Board, was responsible for business development activities in both, domestic market in Poland (focusing on financial, public and utilities sectors) as well as internationally.Graduate of University of Warsaw, he holds an Executive MBA Diploma from University of Illinoi at Urbana Champaign in the US and University of Warsaw.
Martin Oxley has spent his career in fast moving, international business with a focus on business strategy & development. He has held top management positions in a number of Blue Chip & CEE based international companies. He has also been CEO of the British Polish Chamber of Commerce (BPCC), which under his leadership was recognized as the Best British Chamber of Commerce in Europe for four consecutive years. He was Director General of UK Trade & Investment at the British Embassy in Warsaw, where he led on the delivery of the British government’s world renowned GREAT campaign in Central Europe, one of the best ever digital country campaigns. Martin has worked with most of the leading UK based international corporations as they have developed in the CEE region. In addition to his role as Chairman of Exorigo-Upos Group, Martin sits on the Board of IORMA, the UK based Global Consumer Commerce Centre. He is passionate about design thinking, innovation & digital
Senior Banking Executive with more than 15 years of experience in retail banking, card and payment, sales and product development, M&A processes and start-ups in major European banks such as Raiffeisen Bank Polska SA, Polbank EFG (EFG Eurobank Ergasias SA ), PKO BP and Bank Austria Creditanstalt. From March 2017 is responsible for Orange Bank Mobile Finance. Enthusiasts of product integration and banking offers with new payment technologies (mobile payment, NFC, cryptanalysts, blockchain). FINTECH enthusiasts and changes in the financial markets caused by the mobile revolution and adapt to the expectations of the new 2.0 client
Graduated from Warsaw School of Economics Ph.D. in economics,
from 1 January 2003 CEO / President of the Management Board of Deutsche Bank Polska S.A. and Chief Country Officer of Deutsche Bank Group in Poland, 1.08.1998 – 31.12.2002 Member of the Management Board Deutsche Bank Polska S.A. From December 1996 till June 1998 First Deputy President of Bank Pekao S.A. From October 1990 to December 1996 in the Ministry of Finance – first Advisor to the Minister of Finance, then Director of Foreign Department and from June 1994 Secretary of State, First Deputy of the Minister of Finance. Since October 1976 Senior Lecturer at Warsaw School of Economics. Member of numerous Supervisory Boards – at present Member of the Supervisory Board of DB Securities S.A., Member of the Council of the Polish Bank Association (ZBP) and Member of the Audit Committee of the Polish Bank Association; Professor in Kozminski University. More than 120 research papers, articles, participation in 5 books in Polish, German and English.
Responsible for carrying out legislative works on the regulation of domestic and EU law, the payment services market, electronic money, as well as the issues of new technologies in financial services. He also deals with the legal and economic aspects of the development of non-cash transactions. He co-created a bill implementing the Payment Services Directive (PSD) to the Polish law and the so-called the second electronic money directive (EMD2). He is responsible for implementing the second Payment Services Directive (PSD2) into national law. Participant of expert groups at the European Commission and the Council in the field of harmonization of EU law in the area of the payment services market.
General Director of Diners Club Poland. She has gone through all the ranks on Diners Club Poland. As the first employee of the company, in 1998., shee created the office and implemented standards of customer service. Responsible for the implementation of procedures complaints and account management, and cooperation with banks and corporations and adapting contracts to the needs of the largest customers and partners. Over the last five years she was a Director of Sales and Marketing, co-founded strategy Diners Club Poland and care about the constant expansion of the sales network and card acceptance. At the head of the organization she stood in 2015.
It has been steadily building a position of Diners Club in Poland. Knows mechanisms of the payment card market and the needs and expectations of customers.
She is a historian by profession, graduate of the University of Warsaw. She says knowledge of history can confidently look to the future and make the right decisions. She is passionate about ancient culture and ancient history, and culinary arts.
Tomasz Wejcman is the Country Manager & Sales Director in Verifone Sp. z o.o.
He graduated from Warsaw University of Technology and Executive MBA program.
He has nearly 20 years of professional experience, including 15 years in the financial sector. Prior to his career at Verifone, he worked for companies such as Reuters – world’s largest information agency, and Volta.
Tomasz Wejcman joined Verifone in 2009 with the position of the Country Manager & Sales Director in Poland.
In 30 years of business achievements:
• He led over 10 thounasd hours of mentoring sessions
• Participated in decisions worth more than PLN 5 billion,
• Has performed more than 2 thousand individual personality analyzes
• Directed more than 50 successive and restructuring projects
in Poland and abroad,
• In its seminars and workshops took part more than 600 thousand of decision makers
He was one of the few forensic experts in the country in the field of restructuring and business risk assessment. Ranked at the 7th place in the ranking of the most influential business advisers in Poland.
Founder and President of the Board of the Professional Speakers Association, precursor and one of the leading animators in the Polish professional scene of mentors. Author of 8 books.
Co-founder of LIFESKILLS Non-public High School No. 1
in Warsaw, the first family-themed high school preparatory school to succeed in life.
Personal blog: www.krool.org
Organization & Management graduate in Warsaw School of Economics. For many years, strongly dedicated to acquiring industry. For over 10 years, as a Head of Key Account Management Department in First Data Poland, he has been responsible for the company’s positioning on the market and establishing relationships with biggest retailers in Poland. He has been successfully managing his Sales Team within acquiring industry development. He has been active on the market during all important transformation in the acquiring industry – starting from first merchants and point of sales acquiring until competitive environment development, market saturation and add services or product portfolio establishment.
For over 3 years he successfully realizes and co-creates Elavon Merchant Services DAC strategy – global Acquirer, providing services in Europe and all over the World.
In his private life, he is old timers fan and passionate about motorcycles.
Co-founder and board member at Obserwatorium.biz. Doctor of Humanities, Adam Mickiewicz University in Poznan (specialization sociology), owns Master’s degree in strategy and business planning from the University of Economics in Poznan. In the years 2006-2014 the director of electronic banking at Bank Zachodni WBK, where he was responsible for business development of electronic banking, sales through electronic channels and electronic payments. In 2012-14 member of the Presidium of the Electronic Banking Polish Bank Association. Co-founder of Poland’s largest crowd-founding service Siepomaga.pl and Foundation Siepomaga.pl
For nearly 25 years active in the payments industry. Co-builder of the Polish cards’ payments market and author of standards in force in this market.
For 13 years member of the board of PolCard and First Data Polska (formerly PolCard)responsible for sales and acquiring products, co-founder of the Committee of Acquirers. Graduate of the Warsaw School of Economics, faculty of Foreign Trade,founding member of the faculty alumni association “Corporation HZ,from the beginning member of the Board of the Association. In January 2018 he was appointed to the Management Board of Cashless Poland.
Assistant professor at the Faculty of Economic Sciences and Management at the Nicolaus Copernicus University in Toruń. Author of several dozen scientific publications in the field of electronic banking and retail payments.
The results of the research were presented at the most prestigious international conferences on this subject, organized by the European Central Bank, the Bank of Canada and the Bank of Finland. Winner of the competition Marian Kanton for the best master’s thesis in the field of payment systems in 2002 and distinctions of the individual Rector of the Nicolaus Copernicus University for her doctoral dissertation in 2005. Winner of the “Highly Commended Award” awarded by the Emerald publishing house as part of the “The Literati Network Awards for Excellence 2010” for the article “Empirical analaysis of internet banking adoption in Poland” (co-author dr. Wiśniewski) published in the International Journal of Bank Marketing. 2016 was the winner of the. Professor Remigiusz Kaszubski, established by the Management Board of the Polish Bank Association, in the category of scientific activity for the study of the Polish payment system.
Head of several major research projects, including: “Analysis of the factors determining the development of electronic retail payments in Poland”, financed by the Ministry of Science and Higher Education, 2008-2011; “Modeling the use of retail payment methods on the Polish market”, Committee for Economic Research of the National Bank of Poland, 2010; “Development through innovation or economies of scale? Survey of participants of the Polish payment system “, Warsaw Institute of Banking, 2014-2015; “European integration and innovation in the payment services market”, Polish Bank Association, 2011-2012. Head of the academic team as part of the “European Trend Survey» BANKS & FUTURE 2012 “. Trends and Developments in the European Payments Market “, Fraunhofer-Institute iEquens SE, 2012. He also implemented a number of other research projects in the area of payment innovations, contactless and e-commerce cards and bitcoin cryptocurrencies.
Founder and president of the research firm POLASIK Research, specializing in the field of electronic payment systems. Co-founder and president of spin-off Technology For Mobile Sp. z o.o., whose mission is to commercialize the scientific results and development work of UMK in the area of payment innovation and mobile technologies.
On 27 November 2015, Tadeusz Kościński was appointed Undersecretary of State in the Ministry of Economic Development.
Tadeusz Kościński is responsible for the development and implementation of rules governing trade between the European Union and third states, issues related to economic security and supervising the provision of services related to electronic signature. Tadeusz Kościński coordinates activities related to the government’s investment policy. He supervises tasks which are related to functions performed by the Minister in the capacity of a Certifying Authority.
He has been working in the banking sector throughout his professional career. From 1997, he served as a director at Bank Zachodni WBK S.A. Previously, he had worked at Polski Bank Rozwoju S.A., Bank Przemysłowo-Handlowy, Bank Śląski and Bank Pomorski, and at two banks in London.
He is a graduate of the Goldsmith’s University of London.
He graduated from the Faculty of Management at the University of Frankfurt and the Faculty of Economics at the Poznań University of Economics. For more than 15 years he has been involved in the analysis and management of corporate finance.
He began his career working in one of the auditing company.
Since 2004 he has been a member of the board of Lidl Polska. He is responsible for financial planning and financial management of the Lidl Group in Poland.
President of Foundation for Development of Cashless Payments.
In 2015 Mr. Laniewski was named the 3rd most influential Person in Polish Economy after spearheading the Foundation’s successful efforts culminating in significant decrease in credit card transactions charges, from one of the highest within the European Union.
Prior to his career within the Foundation Mr Łaniewski had held a number of finance, operational and strategic management positions at Lotos Paliwa Sp. z o.o., where he was Member of the Management Board, CFO, Management Board Plenipotentiary for Strategic Projects and Commercial Proxy of the Company.
He holds Finances and Banking degree from the Faculty of Management at the University of Gdańsk.
Since 1996 she has been associated with the company METRO GROUP in Poland. Since 2000 serves as Director of the Representative Office of METRO AG in Poland, representing the company to the state authorities, non-governmental organizations and trade associations. President of the Polish Trade and Distribution Organisation and Vice-President of the Confederation Lewiatan. Vice President of EuroCommerce, President of the Council for Trade in Central and Eastern Europe, represents the modern trade to the EU institutions in Brussels and takes action against trade restrictions which confine single European market.
In 1990-1998 he worked in the IT Department of Pomorski Bank Kredytowy S.A. in Szczecin (as of 1997 at the position of the Director) and he was responsible for the management of the Bank’s transaction systems: including designing, development, implementation and operation phases. In 1999-2010, he held the position of the Director of the IT Systems Development and Maintenance Department in Bank Pekao S.A., and since 2006 he managed the Information Technology Division of the Bank. His responsibilities included integration of IT systems of four banks: Pekao S.A., PBKS S.A., BDK S.A., PBG S.A. and implementation of the Integrated IT System. He also managed IT integration and migration of data from BPH S.A. systems to Pekao S.A. systems and participated in the works of the team responsible for the entire integration process.
Since 2000 he has been the member of the Supervisory Board of KIR and from 2005 to 2010 he was the Chairman of the Supervisory Board. In 2002-2010 he represented Bank Pekao S.A. in the Payment System Council at the National Bank of Poland, and in 2010-2016 he represented PKO Bank Polski S.A.
He was a member of the Supervisory Boards of the companies belonging to the Bank Pekao S.A. Group. While holding the position of the Vice-President of the Management Board of PKO Bank Polski S.A., he was also a member of the Supervisory Boards of the companies belonging to the PKO Bank Polski S.A. Capital Group – Inteligo Financial Services, Nordea Bank Polska and PKO Bank Hipoteczny S.A.
As of November 2010 to October 2016 he held the position of the Vice-President of the Management Board supervising the Area of Information Technology and Services at PKO Bank Polski S.A. His responsibilities included integration of Inteligo to the bank’s systems, merger and integration of Nordea Bank Polska to PKO Bank Polski S.A. and development as well as implementation of the mobile payment system – IKO, which constituted the basis for setting up of the Polish Payment Standard.
He took active part in the work of the Polish Bank Association: as a member of its Steering Committee for the Development of Bank Infrastructure, Payments System Committee, Issues Committee for Banking and Bank Financial Services, and its Electronic Banking Council.
He held the position of the Chairman of the Electronic Banking Council of the Polish Bank Association in the period from October 2011 to October 2016.
From May 2011 to April 2015 he was a member of the Board of Directors of Visa Europe representing PKO Bank Polski S.A. and other banks from Poland and seven countries of our sub-region.
He has been awarded the special decoration of the President of NBP “In recognition of merits to the banking sector of the Republic of Poland” and Mikołaj Kopernik Gold Medal awarded by the Polish Bank Association; he was the winner of industry-related competitions: “IT Sector Leader 1997”, “IT Sector Leader 2010”, “IT Sector Leader 2012”, “IT Sector Leader 2016”.
He graduated from the Faculty of Mathematics and Physics at the Adam Mickiewicz University of Poznań.
Mariusz Cholewa, 44 is a Polish native. A graduate from the Faculty of Management, University of Gdańsk (1995). In 2005, he was awarded a PhD in Economics. He also completed postgraduate studies in Banking and Finance with specialisation in Investment Banking – a joint programme of the London Guildhall University, Gdańsk Academy of Banking and University of Gdańsk.
In the years 1993-1998, he worked for Gdańska Akademia Bankowa (Gdańsk Academy of Banking) as a Member of the Management Board and he was involved in researches conducted by the Market Economy Research Institute (IBNGR).
In the years 1995-2003, he was an associate professor at the Faculty of Management, University of Gdańsk.
From 2007 to 2010, he was the President of the Management Board of Bank Rozwoju Cukrownictwa S.A.
Since 1998, he has worked for Bank Handlowy w Warszawie S.A.(Citi Handlowy) where he held different managerial positions, including the Director of the Strategy Department of Strategy (until April 2013).
He was a member of supervisory boards in companies from the banking, investment and insurance industries.
From 2012, he was a member of the Supervisory Board, Biuro Informacji Kredytowej S.A.
From June 2013 – President of the Management Board, BIK S.A.
Mariusz Cholewa speaks Polish and English. He has three daughters. His hobbies: fishing, new technologies, football, playing with kids.
CEO of Vivus Finance, payday loans leader in Poland. Responsible, for building Polbank’s mortgage offer and sales network. Developed offer for small businesses. Started Vivus in 2012. Graduated at Uniwersytet Jagielloński, Szkoła Główna Handlowa and Stuttgart Institute of Management and Technology.
She graduated from the Faculty of Law and Administration at University of Lodz.
She is a specialist in regulatory advisory on economic law and financial market. The speaker at conferences, seminars and trainings.
She participated in parliamentary committees’ works on a number of draft laws, as well as she was the participant of many governmental working groups and teams, among others: Team for the public consultation and impact assessment bill within the Ministry of Justice, Team for economic regulations improvement within the Ministry of Economy. She was also a member of the working group developing the study: Law making system in Poland for the Chancellery of the President. Currently a member of the e-reporting team in a the Ministry of Digitalization and the member of the Civic Legislative Forum within the Batory Foundation.
He has over 18 years of experience in the transaction and payment processing industry.
He joined Polskie ePłatności S.A. as CEO in July 2016 as part of the new management team of the new owners Innova Capital.
In 2015 he provided consulting and advisory services, working on M&A projects, financing support and market analyses.
From 2005 a supervisory Board Member of Ipopema Securities. From 2014 a Partner / Investor in Hedgehog Angel Fund investing in early stage ecommerce and ICT businesses in Poland.
From 2006-14 he was President of the Executive Board at First Data Polska. He has managed the sales process of Polcard by G-Tech/Innova Capital to First Data, subsequent integration of the company into the global organization. He was also Regional Director for Germany and Austria, and previously Hungary, Czech Republic and Slovakia.
From 2006-14 he was also the Chairman of Committee of Polish Acquirers under the auspices of the Association of Polish Banks and was a member of the Payment System Committee at the National Bank of Poland.
From 1998 to 2006 he was employed at Euronet both in Poland and EMEA, changing positions every two years; Finance Director Poland, Managing Director of Euronet Polska, M&A Director for EMEA and as Market Development Manager (Russia, Ukraine and Baltic states).
Professor of Economics (2015) and professor in the Department of Banking and Financial Markets at the University of Economics in Katowice. She is the author or co-author of approx. 140 publications, including 9 monographs (the most important are: Retail Banking in Poland, CeDeWu, Warsaw 2005, 2009 and 2011, Modern Retail Payments Market – specific, regulations, innovation, Publishing House of the University of Economics in Katowice, Poland, Europe the Shift from Cash to Non-Cash Transactions, (in 🙂 Transforming Payments Systems in Europe, edited by J. Górka, Palgrave Macmillan Studies in Banking and Financial Institutions, London 2016.
Since 2011 she is a member of the Science Committee of the Finance Academy of Sciences PAN (since 2015 member of the presidium of the committee), and since 2005 serves as Vice President Branch PTE in Katowice. From 2015 she represents the University of Economics in Katowice, the Coalition for the Development of Non-Cash Transactions and Micropayments. In recognition of special merits in the construction and development of the banking sector in 2016 Polish Bank Association awarded her the Medal of Nicolaus Copernicus. Moreover, since June 2015 she is a member of the Supervisory Board of Pekao Bank Hipoteczny SA.
He specializes in the field of legal protection of information (personal data, trade secrets, business secrets), the broad market law of financial institutions and payment services, IT and TMT, especially in the conduct of proceedings before the President of the NBP, the Chairman of the Polish Financial Supervision Authority and the Inspector General for Personal Data Protection and administrative courts.
He advises companies and financial institutions from the Polish market, as well as international markets. He is a legal expert of the Polish Chamber of Insurance and the Foundation for the Development of Cashless Transactions.
The participant of parliamentary work on amending the Law on the Law on Personal Data Protection and the Law on Payment Services. Member of the Consultative Council of the monthly magazine “IT Administration.”
The speaker at conferences, seminars and training courses in Poland and abroad. Author and co-author of numerous scientific publications and popular science publication “Protection of personal data. Current problems and new challenges “and the monograph” The secret protected by law in the banking business, “which won first prize in the competition NBP Scientiae Legis Excellentia for the best doctoral dissertation of economic law.
Assistant Professor in the Department of Civil Law and Economic Faculty of Finance and Law at the University of Economics in Krakow. WPiA graduate of the Jagiellonian University, School of German Law at the Jagiellonian University and the Universities of Heidelberg and Mainz, and the Austrian School of Law at the Jagiellonian University and the University of Vienna. Scholar of the Foundation for Polish-German at the Ruhr-Universität Bochum. Scholarships at the Ernst-Moritz-Arndt University of Greifswald, Johann Gutenberg Universität Mainz and the Max-Planck-Institut für Immaterialgüter-und Wettbewerbsrecht.
Graduate of the Finance and Banking Department at Cracow Economic University (currently Cracow University of Economics); also holds an MBA Executive diploma from RSM Erasmus University – University of Gdańsk.
In the card business since 2000, he joined Visa in January 2007, initially as Sales Director, Growth & Emerging Markets – responsible for contacts with leading Polish issuer banks and acquirers, acceptance expansion (including the programme Visa cards accepted everywhere) and Visa contactless development in this country – and subsequently as Visa Europe Country Manager for Poland.
Last three years served as Head of Regional Marketing and Business Development, Central Eastern Europe (Poland, Czech Republic, Slovakia, Hungary), Visa. Currently General Manager, Poland and Hungary at Visa Europe.
Editor-in-chief and co-founder of the information service Cashless.pl. He has several years of experience in journalism. In the years 2010-2015 was published in Dziennik Gazeta Prawna. Previously, he wrote, among other things Parkiet, Puls Biznesu, Gazeta Bankowa and Pieniądz magazine. He specializes in topics related to bank cards, mobile payments, financial applications for smartphones. Honored as Journalist of the Year by the Chapter VII Electronic Economy Congress in 2012. Polish Bank Association Journalism Laureate in 2013. In the same year nominated for the Eugeniusz Kwiatkowski Prize. In 2015, he awarded in the competition for Journalist of the Year by the X Congress of the Electronic Economy.
PhD in telecommunication at Warsaw University of Technology. His doctoral dissertation was about cryptography and smart cards. He has been working in the cashless industry since 1997. He started to deal with the industry during his university time with the research of Siemens Eurochip for TPSA. His professional career he began at Elbank S.A. as a security officer where he was involved in the implementation of smart cards system for Lukas. In 2002-2003 he worked for Banpol Co. as the v-ce director of card payment department. He cooperated with Wincor Nixdorf till 2012, starting as a project manager and finally being the director of card payment department. Since autumn 2011 he took on a position of Area Delivery Manager and Practice Lead in Retail Consulting and Integrated Solutions for Eastern Europe region. He joined MCX Systems in August 2012, responsible for strategy and business development, President of the management Board till September 2017. In the years 1997-2012 was a member of Polish Body of International Standardization Organization, Committee 172 for ID cards. He is the author of many industry publications and conference lectures. He practices regularly sport, is interested in philosophy and foreign languages.
From February 2018 President of the Management Board of Bee-Tech.
Previously, he shaped e-commerce markets by managing multiple Allegro businesses in 14 European countries, as Allegro Group CEO.His 18 years of experience in managing includes building of internet innovation in RMF radio network, inventing Interia.pl portal, multimedia development of ITI Group (TVN television, Onet portal, DreamLab). He is also founder and CEO of Autenti.com – a platform for approvingdocuments and signingcontracts online.
By being actively engaged in multiple non-profit organisations, he promotes digital business as board member of Ecommerce Europe, Association of Digital Technologies Employers Lewiatan, Digital Market Development Foundation. He is also active within multiple internet start-up coaching initiatives as mentor.
As Head of Supervisory Board of PBI (Polish Internet Research), he initiated measurement standardfor the Internet in Poland by coordinating joint efforts of 6 largest Internet competitors.
Grzegorz has had a long and successful career creating business growth and innovation in the banking sector in Poland.
Notably, at the turn of the millennium, the year 2000, he took an active part in the launch of Bank Millennium, with lead responsibilities for building and launching the credit cards for both of the Visa and American Express brands.
From late 2000 to 2004, he set about to create one of Poland’s first Internet bank Inteligo, within this project he initiated and stream lined the first full outsourcing of payment cards and their services within the Polish market.
In 2005-2008, he served as Director of Card Operations Center in PKO Polish Bank, managing a team of 200 employees serving over 8 million customers.
Since 2008, he worked at First Data in Poland, where he served as a board member, responsible for the business line of services for banks and financial institutions, in particular for sales and product development as well as overseeing risk and compliance issues in the company.
Grzegorz has also been an advisor to Visa Europe. A product marketing advisor to Mastercard Europe and has also served as Chairman of the Working Group – SEPA Cards PL. Since April 1, 2014, he was a Vice President PSP, responsible for business development payments. From June 2015 to June 2017 Grzegorz Długosz has been appointed a President of Polski Standard Płatności (the Polish Payment Standard). Currently he is a CEO at Comperia.pl
He is a graduate of the University of Marie Curie-Sklodowska University in Lublin obtaining a degree in mathematics. He completed courses organized by Suples and Europay Academy, DePaul University Chicago – Department of Finance, and the International School of Banking and Finance in Katowice, in collaboration with the University of Wales, Bangor.
Privately passionate about basketball. Married with one son.
Head of Department of Banking and Comparative Finance at the University of Szczecin; author of 120 publications, including 10 books including e-banking, credit cards; the Ambassador of the Polish National Bank; expert: European Consumer Debt Network and Foundation for the Development of the Education System; member of Polish Association of Banking and Finance, Polish Society for Program of Neurologic and Academic Association of Economic Psychology; participant in numerous training courses in finance and banking in Poland and abroad.
Bartosz Ciolkowski since January 2014 as General Manager MasterCard Europe is responsible for MasterCard Polish operation based in Warsaw.
He joined MasterCard in 2005, where he was responsible for Credit Cards Business development in Central and Eastern Europe. Since 2009 was responsible for MasterCard Advisors business development in Poland, Ukraine, Hungary, Croatia and CIS countries. During his work in MasterCard Advisors he was involved in over 50 projects in Central and Eastern Europe from both issuing and acquiring businesses mostly with banks and retailers. Some of them were: retail and banking driven multimerchant programs development, loyalty program implementations, co-branding mostly in airline, petrol, retail and fashion industries, payments products profitability optimization, pre-paid and innovative products development.
Since January 2013 as Head of Sales in MasterCard Warsaw office he was responsible for MasterCard business development with Banks in Poland.
His former experience includes Pekao SA where he was Card Business Development Department Manager responsible for payment cards and acquiring products development. Prior to Pekao SA he was project manager in BZ WBK eBusiness area involved in EMV implementation and POS network acquiring business development.
Bartosz Ciołkowski graduated from The Economic University in Poznan, Economy Faculty with specialization in economic policy and strategy.
Director of Payment Products and Relations Department, Bank Zachodni WBK S. A.
For several years connected with the card business and ATM at Bank Zachodni WBK. He supervises the development and strategy of personal accounts, credit and debit cards and other payment instruments. His responsibilities include supervision of loyalty programs, development of card innovations (mobile, NFC / HCE, digital wallets) and co-operation with other card processing companies. He is also responsible for cooperation and relationships with strategic partners in offering common solutions and packages of services to retail clients.
Anna has 18 years of experience in the financial and payment services industrygained in Poland and CEE (Citigroup, T-Mobile, mBank). She was also a CEO of one of the leading Polish payment institutions and acquirers.
Anna’s expertise lies in digital payments (mobile, cards, wallets), acquiring as well ascognitive banking. She is responsible for building cooperation models between financial corporations and fintech start-ups, particularly in frames of the open banking and payments projectsas well as drivinginnovation in the European payments ecosystem.Anna is involved in the international fintechproject (PwC CEE Startup Collider, Equitech Ventures). She is an Expert at the Banking Technologies Forum (Cognitive Banking Group) at the Polish Bank Association.
Anna is an Ambassador and Advisor for the Emerging Payments Association CEE, as well as an Expert Member of the Jury at the EU European Innovation Council (SME Instrument), and of the Jury of the CEE Capital Markets & FinTech Awards. Speaker and Advisory Board member at international FinTech/Payments conferences. Featured in the “TOP 20 Women in FinTech” Report (Institute of Innovative Economy, March 2017).
We invite you to register your participation in the VIth Cashless Congress.
Registration fee per Congress participant 1990 PLN