Iwa Kuchciak - assistant professor, Department of Banking, University of Lodz. Her scientific interests focus on banking inclusion and the role of social media in shaping the future of banking services. Author and co-author of more than 50 scientific publications and participant in dozens of scientific conferences, seminars, and symposia. For more than 10 years, it has been carrying out projects commissioned by institutions belonging to the financial sector. She was awarded an individual award of the Rector of the Second Degree University of Lodz for her scientific achievements and an individual award of the Rector of the Third degree of the University of Lodz for her organizational achievements. Winner of the competition for the Scientific Award of the Foundation of the University of Lodz for special scientific achievements. Awarded for special involvement in the implementation of the "Modern Business Management" Programme created at the initiative of The Polish Bank Association and its partners. She awards the Nicolaus Copernicus Prize awarded by the Polish Bank Association for contributing to the dynamic development of the banking staff.