Ing. Terezia Kvasnicova Galovicova, PhD. is Assistant at the University of Zilina, where she also gained her doctoral degree in the field of Cross-Sectoral Economies. Her research focuses on digital economy, e-services, e-commerce, and usability. Additionally, she delves into the topic of digital currency. She holds a certificate in Introduction to Blockchain and Digital Currency from The University of Nicosia, earned in 2024.