Poland’s digital development relying on 5G, Industry 4.0 and modern power sector based on non-fossil generation, being the basis for the functioning of the country’s infrastructure, will require huge investments in the coming years. The problem of finding the sources of financing will be impossible to resolve without the participation of the modern banking sector and the EU funds. We need to discuss this issue today and prepare for the next big investment challenge.

• national economic policy and improvement of investment processes
• principles of responsible banking, national and supra-national regulations, monitoring of financial stability
• European funds – how to support and stimulate the development of the economy
• how to create a financial offering for entrepreneurs
• financing of the modernization of the power sector
• supporting innovation in small and medium enterprises

30 years after the change of the political and economic system in Poland, our country has fundamentally transformed its finance and payment sector. As a result, Poland is currently one of the leaders in this domain, both in Europe and around the world. It is largely due to the implementation of new technologies and IT tools. However, maintaining the leading position requires defining the challenges of the new decade and finding possible solutions. In this context, it becomes particularly important to address the following issues:

• impact of the 5G network on the banking sector and payment technologies
• the balance between customer convenience and financial system security
• open banking – what’s next?
• profitability of the banking sector in face of fintech competition.

Artificial Intelligence is perceived as the key technology for the development of the economy, including the financial sector. Thus, the numerous aspects of this technology should be taken into consideration, including:

• tech solutions
• legal definitions
• practical applications in the financial and insurance sector
• consequences for the labor market.

Electronic commerce is now 25 years old. Moreover, there are prospects for its further dynamic development on a global scale. At the same time, payments remain an area less standardized and less regulated, compared to the financial sector. When it comes to the nearest future, the following issues should be discussed:

• implementation of AI in e-commerce
• consumer education
• cybersecurity for both clients and the applied transaction systems.