Speakers

Since 2016 at Aviva Poland, responsible for business processes digitization and Customer self-service platform. Digital leader and product owner with over 10 yrs of experience in financial industry, business processes digitization, business analysis and project & processes management. Delivered a number of award-winning digital projects in banking and insurance industries, including first-to-market digital Customer self-service platform on PL insurance market, first fully online term life insurance as well as omni-channel sales processes integration. Succesfully participated in several business process migrations for different international Clients (France, UK, US). Additional expertise in process mapping, business requirements development, transition documentation development and SCRUM, BABOK, Lean/6Sigma, PRINCE2 methodologies. Jagiellonian University graduate.

New technologies passionate. From 2003 to 2010 cooperated with Ergo Hestia Group where he was responsible for the Internet area. Innovated and implemented the first in Poland virtual AI assistant Hubert, who communicated with the voice of text-to-speech technology Ivona (nowadays Ivona is known as Amazon’s Alexa). In 2008 co-created and implemented the first in Poland Insurance eAccount for customers. In 2012 developed the prototype of innovative sales path, which later originated in creating modern sales platform by the leading insurance company in Poland. In 2013, together with Paweł Gabriel, established Polskie Polisy limited company. Since 2016 they have been perfecting iBooster: insurance accelerator. iBooster has gained recognition and is used on everyday basis by Polish biggest and leading multiagencies.

Married, father of four extraordinary sons.

Since, 2021, Łukasz Dwulit helds the position of Head of Poland at Klarna. In the past he held the position of Head of Global Expansion, Central Europe and Israel at AliExpress, where he was responsible for the global expansion of the platform and strategic and investment cooperation with international partners. Since February 2020, he is a member of the Israel Chamber of Commerce, where he advises Israeli companies and helps them enter other markets and platforms. Łukasz is a member of the Digital Experts Club, and was included in Forbes Poland “30 before 30” list in 2020. A lawyer by training, he graduated from the University of East Anglia and Duke University School of Law in Durham, USA.

She is responsible for the process of building and implementing the strategy of PKO Bank Polski, pursuing, among others, digital transformation and striving for maximisation of the Bank’s position as a technological enterprise friendly both for the clients and the employees.

Innovative processes of the Bank supervised by Katarzyna Dziwulska also include the area of construction and development of Open Banking, with effective analysis of data and efficient digital channels.

Katarzyna Dziwulska cooperates with start-ups, also managing the “Let’s Fintech with PKO Bank Polski” acceleration programme.

Executive with a proven ability to develop and implement Digital Strategies. Have led key online initiatives for several major international financial organizations in Poland. Recognized on the market as expert in aspects of Digital Transformation and Process Reengineering. In 2009 created first on PL market holistic tool for ROI based on-line acquisition optimization (currently used in several companies). Independent advisor on Business Digitisation, Marketing Strategy, Fintech and Profitability Development. Creator of ‘Reversed Performance Marketing Model’. Frequent lecturer in conferences, panels and international business events. 2016 – 2020 Digital Director, CIO, CMO – Europe at international Private Equity Investment Fund and Management Board Member at the portfolio of companies. Since 2020 General Manager (Spinoff/cofounder) and CDO at Helping Hand – leading Mental Med-Tech platform in Poland. Since 2020 CEO at Helping Hand – the first polish holistic mental health platform supporting employees of medium and large companies.

Founder and CEO of HashUp, Co-Founder of Blockchain Alliance

From May 2021 Member of PZU Zdrowie Management Board responsible i.a. for Finance. From January 2022 as acting President of PZU Zdrowie Management. With PZU Group more than 10 years, working i.a. on management reporting and planning. She is keen on data warehouse and data analytics. She worked also in consulting in financial services in Poland and Luxembourg.
She graduated from the Warsaw School of Economics, MBA in  Warsaw University of Technology and Leadership Academy in Poland. She is ACCA member and statutory auditor.

Dr. Krzysztof Korus is an attorney at law, doctor of laws and economist, lecturer on public business law at the Foreign Legal Systems School Coordination Centre at the Jagiellonian University (Ośrodek Koordynacyjny Szkół Praw Obcych przy Uniwersytecie Jagiellońskim), works with the Polish-German Centre for Banking Law at the Jagiellonian University (Polsko – Niemieckiego Centrum Prawa Bankowego Uniwersytetu Jagiellońskiego), is an associate member of the European Payments Consulting Association in Frankfurt, a member of the programming board at the monthly publication “Banking Law Monitor” (Monitor Prawa Bankowego), and a member of the working group of the Financial Market Development Council at the Polish Ministry of Finance, dealing with implementation of Directive 2007/64/EC. He has worked for renowned law firms in an of counsel capacity. Legal expert of the Polish Organization of non-bank Payment Institutions (PONIP). His specialist practice focus is commercial law. He has authored several dozen publications and legal analyses on legal issues relating to electronic payment instruments, and is invited to speak at numerous conferences and seminars relating to this issue.

Entrepreneur with 10 years of experience in the IT industry. The founder of the 150-person programming services company www.binarapps.com. A graduate of the Faculty of Mathematics and Computer Science at the University of Łódź, programmer. For 7 years in the sale of IT services and products. Fintech and blockchain specialist.

She is a graduate of the University of Warsaw and Warsaw University of Technology Business School.
From 2013 related to the insurance market. She worked as an editor in Dziennik Ubezpieczeniowy (Insurance Daily) and in Miesięcznik Ubezpieczeniowy (Insurance Monthly). In 2018 she became editor in chief of Miesięcznik Ubezpieczeniowy. In 2020 she joined cashless.pl as a managing editor. She writes about new technologies in financial sector, with particular focus on insurtech.

She joined the board of Nationale-Nederlanden in January 2020. As a Chief Customer Officer, she is responsible for planning and developing activities that will help build lasting relationships with clients. The area she deals with as a board member is one of the key pillars of the strategy implemented in the company.
Magdalena Macko-Gizińska is the leader and an leading expert in the field of building relationships with customers. She gained her experience and skills in this area during several years of work in the financial industry. Previously she worked in ING Bank Śląski, where she was the Director of the Customer Experience Expert Center. Previously, her career has developed in Millennium Bank, where she was responsible, among others, for the quality and standards of customer service and the area of operations.

Founder and President of the Safe Cyberspace Foundation and Vice President of ComCERT SA. In 2017-2018, he was advisor to the Minister of National Defence. He is a member of the Digitisation Council of the 5th term. Previously, he was associated with the NASK National Research Institute where he managed the CERT Polska team. He was a member of the Permanent Cybersecurity Team of the Republic of Poland appointed by the Head of the National Security Agency, he participated in the development of the National Cybersecurity System Act. He gives lectures on information and communication security at Warsaw University of Technology, Jagiellonian University, PwB, Polish-Japanese Academy of Information Technology, and Warsaw School of Economics. As part of the Foundation, he participates in a number of projects promoting awareness of cybersecurity. He is the originator and initiator of the establishment of the Polish Civic Cyber Defense as a voluntary organisation supporting the cybersecurity system of the Republic of Poland. He is a co-founder of an international foundation – Open CSIRT Foundation, developing maturity models for incident response teams.
Since 2012, he has coordinated Poland’s first cybersecurity exercise – Cyber-EXE™ Poland, held in major economic sectors. He participated in building new CERTs in Poland and abroad. He coordinated the NATO CLOSER project that established CERTs in Georgia, Moldova, Armenia, and Azerbaijan. He co-organises cooperation of European CERTs within the Trusted Introducer and GEANT TF-CSIRT initiatives and he conducts accreditation and certification processes of these teams. He works closely with the ENISA European Agency, being a member of subject-related working groups and a co-author of many papers issued by the Agency.
For several years, he has been a speaker at national and international conferences on cybersecurity. He is the originator and organiser of the Security Case Study conference series. He is also the originator and co-author of the first Polish podcast on cybersecurity – the “Cyber, Cyber”

Adam Malinowski graduated from Management faculty of University of Warsaw as well as MBA studies from University AUBG in Sofia. He also studied on Physics faculty and went through Top Talent Training Programme, the international program for Generali Group’s Managers.

He has got an extensive experience in sales management in financial sector, implementing restructuring programs, process digitalization, such as sales portals and development of own sales network. He was leading sales of non-life, life and health.

Currently he is MB Vice-president responsible for Sales and Marketing in Signal Iduna Poland. Earlier he was part of Management Board team in Generali Poland, dealing with multiagents, own network and call center. In a period of 2014-2016 he was acting as Business Development Department Director in PZU. Earlier he was involved with Generali Group fulfilling managerial functions in Poland and abroad. He started his career in banking sector. In a period 2018-2019 was appointed as president of distribution committee in Polish Insurance Chamber.

CEO of Sellions, which is one of the fastest growing technology companies in Central and Eastern Europe according to Deloitte Fast 50 CE. For almost 10 years he has been supporting leading companies in Poland in implementing effective commercial processes, especially in the area of lead management and sales execution. A graduate of the Warsaw School of Economics and the Warsaw University of Technology. He has also obtained education at Georgetown University and Simon Fraser University in Canada.

Hendrik is the CTO and co-founder of Tilo Tech GmbH which transforms the way how entity resolution is used in large enterprises. He is an experienced tech manager used to dealing with big data infrastructures on premise, in cloud and hybrid environments.
At Regis24 he was the Chief Technology Officer, where he led the company’s transition into cloud and serverless technology and paved the road for the company’s GDPR compliance. Previously he was Group IT Director at the affiliate network giant Awin.
Hendrik holds a Dipl.-Ing. from BA Heidenheim and a BSc. from Open University London.

Adam has over 20 years of experience as an entrepreneur and senior executive, and has been an angel investor for over a decade. He has co-founded several companies – including Expander (acquired by GE Capital / Aviva) and Platinum Bank (investors include Goldman Sachs, Warburg Pincus). Previously, Adam spent 15 years at Bank Pekao (UniCredit Group), most recently as Deputy CEO.

Supervises the New Technologies and Cybersecurity Area, including the New Technologies, Architecture and IT Support Division, IT Division for Central Functions, IT Development Division for Corporate Banking and Capital Markets, IT Systems Development Division for Retail Customers, Project Portfolio Management and IT Organization Department, Safety and Business Continuity Management and GSC Team (SPV).
A graduate of the Faculty of Mathematics at the Maria Curie-Skłodowska University in Lublin and MBA studies at the Warsaw University of Technology. She also completed postgraduate studies in management and “IT in business” at the Warsaw School of Economics. For 20 years she was associated with the ING Group. She started her career at ING Barings, then she worked in the IT Division of ING Bank Śląski, following the path from a specialist to the Director of the IT Support Department. From 2006, as the President of the Management Board, she built ING Tech Poland, the technology center of the ING Group providing IT services, including cybersecurity and cloud solutions, to clients in over 20 countries. In 2017, she took up the position of Head of IT Poland at Nordea, taking part, among others, in building the Nordea Horizon Center – a modern IT monitoring and operations center. As Global Head of Technology Sourcing, she was also responsible at Nordea for the implementation of the strategy for the use of global IT service centers. Since January 2021, he has been the Vice President of the Management Board of BNP Paribas Bank Polska S.A. supervising the Area of ​​New Technologies and Cybersecurity.
Ms Magdalena Nowicka is actively involved in projects supporting the development of women in the world of new technologies. She is a mentor of the “Technology in a skirt” program.

Marcin is a Managing Director at S&P Global Ratings since 2014, executing across three senior commercial roles:
– Head of Europe, Middle East and Africa (EMEA) Relationship Management: leading a regional team managing entire EMEA existing client book & relationships across all business segments: corporates, financial institutions, sovereigns & public sector and also running the infrastructure and project finance business.
– Regional Head for Central and Eastern Europe (CEE): driving the franchise, strategy and management of the ratings business across the region.
– General Manager for Poland, running day-to-day operations of the Warsaw office.
In parallel is a member of the Supervisory Board of MCI Capital S.A., Chairman of the Program Board for the Fintech Digital CEE Congress, Member of the Board of Directors at the American Chamber of Commerce in Poland (AmCham) and the Leslaw A. Paga Foundation. Before joining S&P was an Executive Director at J.P. Morgan Corporate and Investment Bank in London, where he covered Russia, CIS, CEE, and Israel for Markets and Investor Services. He was also the Deputy General Manager for J.P. Morgan CIB in Poland. Prior to 2007 spent five years with Citi Corporate and Investment Banking, operating in Poland and CEE.

Mr Wojciech Rybak graduated from economics in the University of Szczecin (1993) and Tempus – Portassist Programme of the University of Antwerp (1992).

Since the beginning of his professional career in 1996 he has been linked with banking, initially as a Branch Director, andas Director in the Customer Relationship Centre at the Bank’s HQ. From August 2003, he was a Member of the Management Board of Millennium Leasing Sp. z o.o. and from 2009 until June 2016 – Chairman of the Management Board of Millennium Leasing Sp. z o. o. In 2011-2016 a member of the Executive Committee of the Polish Leasing Association, including its Chairman in 2015-2016.
Since June 2016 Member of the Management Board of Bank Millennium S.A.. and during the merger with Bank Millennium Sp. z o. o., a Deputy Chairman of the Management Board of Euro Bank S.A.

Karol Sadaj joined Aion Bank in November 2020, becoming Country Head Poland. He is in charge of developing a strategy for the bank’s operations in Poland and a product portfolio that will take into line with the needs of the Polish market. He is responsible for preparing the bank’s development strategy and building an offer tailored to the Polish market.
Karol is an experienced manager with a universal profile. He specialises in introducing to the market companies and services from the sectors of finance and modern technologies. He gained his experience working for leaders of the global economy, such as Revolut, Uber, Google, PepsiCo or Philip Morris. He has extensive knowledge of consumer trends and the ever-changing customer needs. He also knows how to implement innovative solutions in the products or services development.
Karol is actively involved in mentoring and advising startups. His passions are technological innovations and scuba diving. He graduated in Management and Marketing at the University of Gdansk.

He has been leading implementation of marketing automation strategies for over 10 years now. He worked as Marketing Automation Consulting Director, being responsible for Customer Success Department and the implementation of SALESmanago for the key customers. He gained and used his experience working with companies such as Orange, Idea Bank, 4Finance, New Balance, Yves Rocher, Oriflame and many more. He manages Marketing Automation Academy that has certified over 500 marketing automation specialists across Europe. Currently he helps to introduce marketing automation strategiess for biggest e-commerce and B2C enterprises.

Ola Sroka-Krzyżak is heading strategy, projects and implementation of the digital transformation at PKO Bank Polski, and is also a member of PKO Corporate Venture Capital, responsible for the acquisition of start-ups.
Prior to PKO, Ola worked as a Partner at The Boston Consulting Group, an international strategic consulting company, she was associated with BCG for the last 12 years. She managed projects in the financial and insurance sector related to digital transformation, open banking, innovation strategies, including cooperation with Fintechs, improvement of efficiency and M&A processes. She has completed many projects abroad and worked for the BCG office in New York and Milan. She is a graduate of Finance at the University of Economics in Wrocław, she also studied Financial and Mathematical Analysis at the Malardalen University in Sweden. In addition to her professional work, Ola is involved in organizations whose aim is to support the managerial development of women, she is also a mentor in STEM and Empower.pl.

Aleksander is Head of Business Development for Tractable in Poland, where he leads the company’s work and supports leading insurers in automating their claims processes to be faster, more efficient and cost-effective. Aleksander’s work with PZU recently contributed to PZU and Tractable receiving the 2020 Innovations Award from Gazeta Ubezpieczeniowa.

Co-founder of ZenCard, sold to PKO BP in 2017. In 2020 co-founded Authologic, and is responsible for, among other things, product design, and product marketing. Y Combinator alumni (W21).

Lawyer by training and entrepreneur by passion, Szymon co-founded an on- and off-ramping platform, Ramp Network in 2018. Szymon is passionate about the opportunities and freedom that decentralised networks give its users. Previously he worked for several legal firms, including Norton Rose Fulbright, led research efforts in a consulting firm focused on SEZs and published a proposal for a decentralised p2p lending platform.

Manager and innovator with several years of experience in the insurance and financial industries. He created insurance premium financing market in Poland. Prior to founding Bacca Cezary worked as management consultant for the biggest financial institutions in Poland and in the CEE.

Since 2010 with PKO Bank Polski with initial assignment as Advisor to CEO, then since 2011 holding the position of Retail Client Division Managing Director with responsibilities for products portfolio and customers segments management within the retail area of the Bank. Head of Strategy & Digital Transformation Division. He also holds the positions of the Chairman of the Supervisory Board of Polski Standard Płatności and Member of the Supervisory Board of eService.
His professional career started in 2000 with Salomon Smith Barney in New York. It was continued in Warsaw office of The Boston Consulting Group (2002-2004) as well as in Pekao SA (2004-2010).
Graduate of Montclair State University in New Jersey, faculty Finance.

Leader in a digital transformation program for TU Compensa VIG, which is the world’s digitization laboratory for the Vienna Insurance Group. He is responsible for the portfolio of projects and initiatives transforming the organization in the area of analytics and client-centricity. He supervises projects in the area of machine learning, AI and business intelligence. He runs numerous projects in the area of technology, business and organization’s transformation. Previously, he implemented numerous BI class solutions in the USA and Canada. He is a graduate of the Warsaw School of Economics and the Warsaw University of Technology.

He has been dealing with many industries in the last 30 years, and he has been engaged in blockchains and cryptocurrencies for over 5 years. He participated in the creation of, e.g., Związek Kontroli Dystrybucji Prasy i Polskich Badań Czytelnictwa (Association for Press Distribution Control and Polish Readership Research). In 2000, he co-created and was the President of the Management Board of Izba Gospodarcza Blockchain i Nowych Technologii (Chamber of Commerce for Blockchain and New Technologies). In his company, OAAM Consulting Ltd, he implements a blockchain strategy into the traditional business via tokenization, as well as plans the tokenomics and supports crowdfunding.

I believe that humans were created in the space between vivid light and clouded
darkness. In each of us, then, lies the promise of both brightness and obscurity. The
story of human history illustrates this potential for great generosity and extreme
violence. What motivates me is not pushing back the darkness with my own limited
means — this would be pretentious and impossible. Instead, I am passionate about
providing as many people as possible with a tool that can collectively move us out of
ignorance towards empathy and mutual support: education.
My childhood was charged with violence and confusion. Splitting my time between a
small village in North Africa and a low-income area in France, I struggled at school. My
inability to express myself in either French or Arabic along with a violent neighborhood
and home life, led me to become an aggressive child. Stuck between African, Middle
Eastern and French culture, I have long witnessed a deep identity crisis. Predictably, in
those years violence was my primary method of communication.
Yet, the more I studied, the more I discovered other ways to express my frustrations
and my point of view. I began to see that violence is the hopeless cry of the unheard –
of prisoners trapped in a wordless, clouded fury. With difficulty, I caught up in school
and earned engineering and business degrees in France, and an MBA in International
Development in Canada.
Armed with my education, I was in a better position to discover and contribute to the
world at large. In 2005, working for the French government, I was sent to Morocco to
investigate why street kids had committed suicide attacks in a Casablanca market. I felt
that these children were not destined to be terrorists but had simply never been
exposed to any sort of critical thinking. They lived in the particular hell of unexpressed,
obscure rage. Violence had been their only voice. My experience had taught me that
without education, all of us are susceptible to violence. Is it possible to change that
reality? Yes, I believed, through education.
Back in Canada, I started a social enterprise that would provide free education to kids
in developing countries. Creating Tech-AdaptiKa together with leaders who shared my
passion for education, our organization has grown by leaps and bounds over the last
fifteen years. While the for-profit side of our social enterprise built one of the first
Metaverse for universal education, the not-for-profit branch launched a digital solution
in Somalia. The idea was to mobilize former teachers in France, Canada, and the USA
to tutor Somali kids in the city of Hargeisa. In addition, other international projects
became possible in Haiti, Ghana and Tunisia.
I was fortunate to meet an incredible woman, a Somali refugee, who later became the
first female surgeon of Canada’s largest African diaspora and my wife, Fahima Osman.
Together, we have two children, Adam, 8, and Ayäan, 3.
Over the past 15 years, we have launched dozens of products internationally, from
virtual campuses for universities and large corporations, to virtual incubators in the
metaverse. Today, many companies in the USA, Canada, the EU and Africa have
benefited from our digital products, and we are proud to pave the way to the
Metaverse for universal education and professional development.
Click here
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I am deeply motivated by the potential I see in 21st Century technologies to impact
education. With the rise of Artificial Intelligence, and its impact on the job market (job
displacement), we know that hundreds of millions of people will have to be retrained to
fill the needs of tomorrow’s job market. With 41% of its population under the age of
15 years old, Africa is/will be at the center of these societal changes. It is my belief that
online education can move education in developing countries forward at a rapid rate,
skipping over traditional steps. Just as many African countries have bypassed
telephone landlines to jump straight to smartphone technology, online education
through the metaverse will soon provide access to better quality education. I am
proud to be able to participate in this transformation by implementing new and
innovative digital products all over the world.
In 2017, I had the privilege to become a course facilitator at the Stanford LEAD
program. Armed with my understanding of the emotional journey of the online learner,
I contributed to the development of this program over the past five years. Today, the
LEAD program gathers thousands of executive participants from 68 countries.
During my first year at the LEAD program, I explained in an interview by the Wall
Street Journal, that although online education is very powerful, “nothing will beat the
hand-shake”. That realization pushed me to create Me2We hosted at the Stanford
GSB. A 3-day conference where hundreds of these online executive learners would
meet on campus to solidify their belonging to this world-wide community of learners.
Since then, the concept of Me2We has been embarrassed by the GSB staff for whom I
am forever grateful for the opportunity they offered me.
Motivated by my own personal history of violence transformed through education, I
hope to continue to clear a path to quality education so that collectively we learn to
see more clearly.

A graduate of the University of Silesia, Faculty of Social Sciences and the direction of Health Insurance at the University of Economics in Katowice. In the years 1999 – 2016 he worked in the financial and insurance industry, a. o. for Amplico AIG Life, ING, Pramerica, Signal Iduna, managing sales areas and specializing in the development of insurance products. Since starting work on the Employee Capital Plans project, he is a member of the inter-ministerial team that develops the assumptions of the Program. As a representative of the project team, he analyzed and consulted foreign solutions of employee savings plans.