DARIUSZ PIOTROWSKI received the Ph.D. degree in economics from the Nicolaus Copernicus University in Toruń, Poland. Since 2004, he has been an Assistant Professor with the Financial Management Department, Nicolaus Copernicus University in Toruń. He is the author more than 50 articles. His research interests include digital transformation in banking, banking ethics, capital market, public finance, and Islamic finance. Dr. Piotrowski is an active member of the Polish Economic Society and Association of Finance and Accounting for Sustainable Development.