Małgorzata is a graduate of the Foreign Trade Department at Warsaw School of Economics and has been working for Visa for over two decades. Małgorzata has won a number of awards for her contributions to the growth of Poland’s cashless economy. In 2015, in a prestigious survey conducted by the Institute for Innovative Economy under the patronage of the Polish Bank Association, she was named one of the top 10 most influential women in the Polish financial sector. During the course of her longstanding service for Visa, Małgorzata spurred the development of payment systems in Central and Eastern European countries, including Poland, which on her watch became one of Visa’s most innovative European markets. Poland’s ratio of contactless to all card payments is at some 75% and the market offers excellent prospects for mobile payments and other innovative payment technologies. Małgorzata was behind the idea of the Visa Warsaw Innovation Incubator, a joint initiative of Visa and its clients in Poland which seeks to develop solutions that will drive the growth of electronic payments and the digitalisation of the Polish economy.