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Economist, graduate of the University of Lodz (faculty: Finance and Banking), for 20+ years worked for various financial institutions. Tomasz has experience in the areas of: banking, capital markets, business management, project management, corporate finance, accounting, controlling, financial planning, analysis and implementation of investment projects, corporate governance, risk management.

In 1995 he started working for Kredyt Bank S.A. during his studies. Then for 11 years he worked for the Raiffeisen Banking Group (4 years in a brokerage house and 7 in Raiffeisen Bank Polska SA), holding among others the positions of: deputy director in the Financial Markets Department (treasury), director of the private banking department, he was also a representative of Raiffeisen Capital Management AG in Poland.

From 2007 to 2012 he was the CFO and the board member of Pentegy S.A., a consulting company. From 2013 to 2016, he held a position of the Vice President and CFO of Q Securities S.A. a private brokerage house, he was the founder of.

Since June 2016 Tomasz is the Board Member and the Group CFO of Poczta Polska S.A. The national postal operator, the largest employer in Poland.

Tomasz Dąbrowski is a co-founder and member of the supervisory committee of FINEXA Association of Financial Directors. He was also a member and chairman of numerous supervisory boards, both public and non-public companies. Currently the supervisory board chairman of Pocztylion-Arka PTE SA, a pension fund management company of Poczta Polska S.A. Group.

A graduate of the Cracow University of Economics in the field of finance and banking.

From the beginning of his career, he participated in numerous projects related to the use of modern technologies in finance and banking.

Between 2000 and 2003, in Bank BPH, licensed stocks broker, co-responsible for creating and development of internet sales/transactional channel of brokerage house.

From 2003, Head of Sales Support responsible for operational CRM and coordination of sales activities of Retail Division of Bank BPH.

From 2007 as the Director of the Strategic Projects Office at Bank Pekao S.A. involved in the project of merger of Bank BPH and Pekao, organization of the Bank’s activity for EURO2012, coordination of the Bank’s strengthening program in the area of payments, which led to breaking the monopoly of cash in the largest retail network in Poland.

Responsible for the implementation of operational CRM for 14,000 employees of Bank Pekao, development of PeoPay mobile payments applications and its transformation into the new mobile banking of Bank Pekao.

Responsible for creation of innovative payment solutions like third HCE contactless implementation in Europe, Apple Pay and first multi-currency card in Poland.

Since 2017, as Director of the Innovation and Payments Department in the Retail Banking Division, responsible for mobile banking, POS acquiring, card products, Innovation Lab and omnichannel platform. Leader of Digital Transformation Programme in Retail Division.

Vice-Chairman of the Supervisory Board of the Centrum Kart S.A.

Member of the Presidium of the Council of Banking Cards Issuers at the Polish Bank Association.

An economist – he received a degree and graduated from the Economics course at the Faculty of Economics and Agriculture (currently Department of Economic Sciences at the Warsaw University of Life Sciences) – he has been applying the competition policy in practice for more than 20 years, starting in the Antimonopoly Office and then in the Office of Competition and Consumer Protection. He also works professionally with consumer law.

His career began when he was still a student (in 1994) in the first consumer department of the office – the Department of Protection of Consumers on the Monopolized Markets (in the Antimonopoly Office transformed later in 1996 into the Office of Competition and Consumer Protection). At the beginning – until 09.1997 – he was associated with office’s headquarters, where he was successfully promoted from the referent position to the senior specialist position. He is an author of many antimonopoly decisions projects, pleadings and opinions. He has been leading the market research as well as economic analysis for the purposes of diverse actions. In 1997 as the result of a competition organised by a General Manager of the UOKiK (Office of Competition and Consumer Protection) he received the position of the deputy director of the UOKiK branch office in Warsaw where he has been organising the work and leading a team of people. Since the beginning of 1999 he has been the director of this delegacy.

He has completed many trainings and courses in the field of law and economics. A participant of the international visits (trainings) in the institutions of competition and consumers protection. A lecturer of subjects in the area of competition and consumer protection at the Department of Economic Sciences Warsaw University of Life Sciences and at the Polish Academy of Sciences.

Co-author of scientific publications published as a result of cooperation with previously mentioned university.

In years 2001 – 2005 he was a member of a board of directors of the Suwalki Special Economic Zone company (he received a diploma after the national exam for the candidates for members of board of directors and completed a specialized interdisciplinary training for the members of the board of directors).

In years 2005 – 2014 he has been a vice-president of the UOKiK (supervising the activity of 9 delegacies of the UOKiK, Consumer Policy Department, Market Analysis Department and Competition Protection Department).

Responsible (since 2005) for many legislative projects in the field of consumer protection.

He coordinated preparation of the government projects dedicated to developing the competition as well as projects connected with consumer policy.

For many years he has been a Polish representative in the Consumer Policy Network in Brussels. He represented Polish government at the Council of the European Union’s sessions.

He is one of the inventors of the coordination system for the work of delegacies and office departments.

The leader of the team responsible for grants for the realisation of certain activities in the field of consumer protection.

The chairman of the jury during the competitions for the best masters thesis dedicated to the legal aspects of consumer protection (years 2011, 2012 and 2013).

The president of the “Mercatus et Civis” Foundation.

Currently, Country Manager at Euronet Poland.

Previously, he managed various divisions at banks: PeKaO SA, PBK SA, BPH SA, and Alior Bank SA. He was also a member of Supervisory Boards, including Towarzystwo Funduszy Inwestycyjnych ATUT, KIR SA, MCG sp. O.o., TUW TUZ.

The main business areas are: consumer finance, international markets, operations and logistic, HR, international payments, outsourcing, process improvement projects.

Krzysztof Polończyk – Country Manager, President Of The Board Of Directors at First Data Polska S.A.

Krzysztof is a graduate from the University of Economics in Katowice.

An experienced manager who has worked in international corporations for 15 years now. Krzysztof took the role of the president of the management board in First Data Polska in March 2018. He was appointed to the position for his successful delivery of the company’s strategy, which he supervised from October 2017 as a member of the management board.

Between 2001 and 2006 Krzysztof worked for Unilever Polska where he specialized in Sales Management Accounting. He then progressed in his career in Baxter Polska (pharmaceuticals) managing the finance department as a Country Finance Manager and a member of the board for Poland and the Baltics between 2010 and 2013. In 2013, Krzysztof  moved to the Regional Department – starting from the CE region and then continuing with ECEMEA, where he was responsible Commercial Pricing. Krzysztof joined First Data Polska in 2016 as its Chief Financial Officer.

Married, with two sons.

Professionally involved since the nineties with the development of the payment cards market in Poland. An expert and a manager in the leading entities in this industry – American Express, Bank Handlowy w Warszawie SA. Europay International S.A. and Bank Pekao S.A. where he worked last 14 years. Since March 2018 General Manager and President of the Board of Diners Club Polska.

Responsible for concept development and implementation of payment cards: debit, credit and prepaid, related functionalities and added value services, migration to EMV standard, implementations of contactless technology, multicurrency and multiapplication cards and DCC services, and as well for co-operation with merchants. As a representative of the bank, an active member of teams and working groups within initiatives undertaken by Polish Bank Association and National Bank of Poland.

President of the Management Board of the KRD Economic Information Bureau. He is a graduate of the Medical Academy in Poznań, specializing in the management of health care units. He started his professional career at the Polish branch of Johnson & Johnson, where he became regional sales chief. Then he managed several branches of debt collection companies. Since March 2005, he has been the President of the Management Board of the KRD Economic Information Bureau. Under his leadership, the KRD has become a permanent element of the Polish economy, creating a nationwide system of economic information exchange. In 2014 he was elected as the vice-chairman of the Conference Committee of Financial Enterprises in Poland, and in October 2017 he was appointed for the position of the Vice-President of the Management Board of the Polish Association of Private Employers of Banks and Financial Institutions. Adam Łącki has been awarded many times by the financial press for his activity. Among others in 2017, he was on the list of the 25 best managers of the year, by the Home & Market magazine, and in 2018 ‘Gazeta Finansowa’ placed him on the list of 25 financiers of the year 2017th.

Fintech market expert with extensive knowledge of banking and financial technologies. She is responsible for the success of Vivus.pl and Vice-President of the Employers of Poland. A member of the management and supervisory boards of 4Finance Group companies in Poland and abroad. She is a graduate of Company Management at Gdynia Maritime University, and Innovation Leadership at the Warsaw School of Economics.

A graduate of the Master of Business Administration at the School of Banking in Wrocław. He joined the banking industry in 2008, starting work at BZWBK S.A. in a managerial position. From 2010 he was employed at PKO Bank Polski, first as the Director of the Administration Center, then as the Director of the Network Department. Since June 2015, he has been heading the Administration Division.

In addition, he is a member of the Supervisory Board of Krajowa Izba Rozliczeniowa and member of the Supervisory Board of PKO Finat, as well as a member of the Supervisory Board of PKO Leasing and PKO Faktoring.

Since 2016, the business coordinator of streams in the government program “From paper to digital Poland” operating under the “Plan for Responsible Development” implemented by the Ministry of Development.

During his professional career he dealt with the management of the Bank’s real estate and branch network, modernization of outlets, ensuring the development, modernization and efficiency of branches and self-service devices.

Since January 2014, Member of the Management Board supervising theFinance and Realization of Income Division for ensuring the financial liquidity of the Social Insurance Fund and managing the assets of the Demographic Reserve Fund. The titular auditor of the ISSA Control Committee and the vice-chairman of the ISSA Technical Committee on the collection of social security contributions, as well as the Chairman of the Steering Committee within the framework of the European ISSA Network (IEN).

Responsible for the implementation of the e-contribution project at ZUS.

He started his professional career at the Treasury Department of Bank Energetyki SA. He joined the Social Insurance Institution in 1999, initially as the Head of the Unit, then he took the position of Deputy Director and Director of the Department. During 2008-2010, Member of the Management Board of the National Capital Fund SA. A specialist in finance. He holds economics and law degrees. He has also completed postgraduate managerial and financial studies in theareaof financial and management accounting. PhD student in the Doctoral Program in Management and Economics at the Warsaw School of Economics.

Deputy Mayor of Wrocław since 2007, responsible for investments, economic development and raising external funding. He devised and established a modern institution responsible for organization and supervision of investment projects, which significantly increased city’s organizational capacity in this area (in the years 2006-2009 the volume of implemented investmen projects grew threefold). During Wrocław’s preparations to UEFA EURO 2012 Footbal Championship he was responsible for infrastructural investment projects. He introduced project management methodology to Municipality of Wrocław. He supervises the process of developing PPP projects.

He is engaged in Smart City and Open Data projects and he is responsible for their coordination and implementation. He is also responsible for providing good conditions for development of startup companies through establishing an eco-system Startup: Wrocław.

In 2003-2007, serving as Wrocław Treasurer, he restructured City’s debts and lowered the debt indicators. For the first time in Poland he introduced a wide use of municipal consolidated account. As part of efforts to create new jobs he devised and implemented a programme supporting businesses that were investing in Wrocław and employing new workers.

Since 2001 he has been actively engaged in the work of the Union of Polish Metropoles (UPM). He is a member of UPM’s Commission for Integration
of Development Plans and Municipal Investments, he wrote numerous reviews of bills for Joint Commission of Government and Local Self-government and authored several proposals of amendments in acts concerning self-govermnet.

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.

President of the Management Board in the Polish Payment Standard. Mr Mazurkiewicz was previously the Vice President of the  Management Board at PPS, and  formerly the Director of the  Product Development  Department.  Between 2010 and 2014, he was the  President of the Management  Board of SkyCash Poland SA, where  he developed SkyCash – an  innovative mobile payment service.

Between 2008 and 2010 he was the  President of the Management  Board at Bauer-Weltbild Media,  developing multichannel sales in  their media segment.

Between 2006 and 2008 he was  the Vice Chairman of the Management Board and the Financial Director at Interia.pl SA in  Cracow. From 2002 to 2006, he  worked in finance holding positions such as Management Controller and Finance Director at  the headquarters of the Michelin Group in France.

He is a graduated with a degree in  financial management at the  University of Economics in  Katowice and the Silesian  International School of Economics.  He has experience in the field of  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.

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.

at present CEO of Cashless Poland Foundation

2010-2017 Vice President of the Polish Bank Association, representative of the Association at the Executive Committee of the European Banking Federation

2002-2010 CEO of BRE Leasing

1999-2001 General Director and CEO of MHB Mitelleuropäische Handelsbank AG Deutsch-Polnische Bank in Frankfurt

1998-1999 Vice President (asset management) of BRE Bank

1992-1998 rising through ranks: Chief Economist, Member of the Board, Vice President and CEO of Polski Bank Rozwoju

1973-1989 researcher, assistant professor in the Department of Economics at the Warsaw School of Economics

Doctor of Economics at the Warsaw School of Economics. Author of numerous scientific publications.

In recent years president or member of several supervisory boards, including financial institutions: Bank Ochrony Środowiska, TiUR Warta, TFI Skarbiec, PTE Skarbiec, PTP KB. Vice Chairman of the Polish Leasing Association.

Chairman of the Energy Conservation Foundation.

In 1993 leader of the team preparing the Financial Restructuring  (banks and enterprises) Act.

Married with two daughters.

Fluent in German, Russian and English.

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.

Since 2016 a member of the Supervisory Board of Diners Club Poland and a manager of the digital identity (eID) team of the “From paper to digital Poland” Program at the Ministry of Digitization. Since 2017 a member of the Supervisory Board of Inplus Sp. z o.o. (owner of the Cenatorium and Urban.One brands). Co-founder of Compay.pl platform. 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.

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.

Krzysztof Urbanowicz graduated Warsaw University of Technology in the field of Civil Engineering, as well as Marketing and Management studies at University of Warsaw. Krzysztof Urbanowicz is a graduate of the Faculty of Business Management of the Warsaw University of Technology Business School (MBA). He was awarded the academic degree of MBA on the University of Illinois in Urbana-Champaign and he finished studies at AMP University of Navarra IESE Business School. Krzysztof Urbanowicz graduated many foreign and domestic courses including advanced management programmes in Insead and St. Gallen Universities, as well as Startup Academy, Facebook advertisement, Google Adwords, Landing Pages, SEO and Positioning.

Between 2010-2015, as a President of the Management Board at ELZAB S.A. he has won the “Giełdowa Spółka Roku” award in 2015 reaching ELZAB growth rates increase by 1600% within three years. The company led by him has been awarded with many prizes including “Teraz Polska”, “Red Dot Award”, “Byki i Niedźwiedzie”, “Dobry wzór”, “Fair Play”. During his stay in London, he was working in many places around the world including Argentina, Brazil, Chile, Uruguay, Venezuela, Hong Kong, China, Malaysia, Indonesia, Pakistan and the Czech Republic.

Since 2016, he acts as a President of the Management Board at ELZAB S.A. once again. Krzysztof Urbanowicz is also a Chairman of the Supervisory Board at ELZAB SOFT Sp. z o. o.

Krzysztof Urbanowicz performed as:

• Chairman of the Supervisory Board at Micra Metripond KFT, Hungary (2011-2016),
• Vice President of the Management Board at Comp S.A. (2015-2016),
• Member of the Board at COMP S.A. (2014-2015),
• Member of the Board at Novitus S.A. (2011),
• President of the Management Board at ELZAB S.A. (2010-2015),
• Supervisory Board Member at ELZAB S.A. (2010),
• President of the Management Board and Managing Director of UNIPETROL S.A. (2009), the Czech Republic,
• Managing Director at Ursa Nordic AB in Stockholm (2005-2007). Since 2006, he acted also as a Managing Director at Ursa CEE, East-Central Europe,
• President of the Management Board at Ursa Polska Sp. z o.o. (2003-2007),
• Loss Adjustment Managing Director at PZU S.A. (2001-2003),
• President of the Management Board, Managing Director of Volvo Auto Polska Sp. z o.o. (1999-2001),
• Senior Management Consultant in SHELL International Petroleum Company, Great Britain (1997-1999),
• Director of Sales and Trading in Shell Gas Polska (1993-1996).

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 over 140 scientific publications, including 9 monographs: Retail banking in Poland, 2005, 2008, 2011; Modern Retail Payments Market – specifics, regulations, innovations, 2013, and Europe: The Shift from Cash to Non-Cash Transactions (in: Transforming Payment Systems in Europe, edited by J. Górka, Palgrave Macmillan) 2016.

In recent years, her research focuses on the issues of non-cash transactions and the functioning of the retail payments market and innovations appearing on this market. In 2012-2016 she was the Vice-Rector for Science, Research and Development of the Academic Staff at the University of Economics in Katowice.

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). From 2005 to 2017 she was the Vice President of the Branch of PTE (Polish Economic Society) in Katowice. In addition, he represents the University of Economics in Katowice in the Coalition for Non-Cash Transactions and Micropayments.

Since 2015 she is a Member of the Supervisory Board and Audit Committee of Pekao Bank Hipoteczny SA. 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.

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.

Prof. US dr hab. Beata Świecka is a Professor of Economics at the University of Szczecin. She is Director of Household and Behavioral Finance Center, Member of the Finance and Banking Association, Chairman of Scientific Council in the Social Cluster. Her research interests are focused in the areas of cashless payments, personal finance, financial literacy, financial education, households financial decisions, the behavioral finance, the households insolvency, financial services, retail banking, credit cards. In 2016, she awarded for the best scientific publication by the Foundation for the Development of Cashless Transactions. Multiple times winner of the Rector of the US Award for achievements in science and teaching. In 2015 awarded by Dean’s award for scientific publication “Contemporary problems of personal finance”. The winner of the prize Amicus Scientae at Veritatis by Polish prestigious organization – Polish Economic Association. Expert of European Consumer Debt Network.  Ambassador of the Polish National Bank in cashless payments.

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).

Adam Tochmański is Director of Payment Systems Department in the Narodowy Bank Polski and Secretary of  the Payment Systems Council (advisory body to the NBP Management Board). He is also a member of the Market Infrastructure and Payments Committee in the European System of Central Banks and Chairman of the Coalition for Cashless Payments and Micropayments. He  has worked for  Narodowy Bank Polski since 1987. He graduated in Economics from Warsaw University.