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dr Krzysztof Korus
Warsaw Office
Ogrodowa City Gate
ul. Ogrodowa 58
00-876 Warsaw
tel. +48 22 652 26 18

Cracow Office
ul. Jana Kilińskiego 2
30-308 Cracow
tel. +48 12 315 18 41
Dr Krzysztof Korus is an attorney with a doctorate in law, and an economist. He is an expert on payment services, new technologies law, and banking law. Every year since 2015, he has been listed as a recommended lawyer in Chambers Europe in the Banking & Finance category (“strong experience in banking regulatory matters”, “deep knowledge and long experience”). He is a pioneer in advising on regulatory issues for the fintech sector in Poland. Among the issues he has advised on are implementation of PSD2 and opening banking, and he has advised on several dozen cases before financial market regulators in Poland and in Europe, on M&A deals on the fintech market, and on court litigation and arbitration cases between financial institutions. He has worked in the most important industry working groups for the fintech sector, such as the EC’s API Evaluation Group, the Polish API team, the fintech innovation development working group for the Polish Financial Supervision Authority, the Ministry for Digital Affairs “Blockchain and cryptocurrency” stream in the scheme “From a Paper to a Digital Poland”, and the Financial Market Development Council working group for implementation of the PSD. He co-authored the “Study Impact of the PSD” and “Principles, Definitions and Model Rules of European Private Law” for the European Commission, and sat on the programming council for the monthly “Banking Law Monitor”. He is a member of the European Payments Consulting Association, and has worked with the Polish-German Banking Law Centre and London Economics. He has written several dozen publications, legal analyses, and commentaries and spoken at numerous industry events in Poland, Europe, the US, and Asia. He is involved in legislative work at the Polish and EU level.

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  1. „The border of bank’s liability for customer behavior in the area of security”, „The cashless era, the cardless era and what is next? Vision of future payments” – speaker on the panel, 21st Banking Forum online, MMConferences S.A., April 2021.
  2. „Open Banking. We're closed for re-opening”, „Open banking as an element of a broader look into the future” – panel discussion moderator, FinTech Digital Congress, MMConferences S.A., online, March 2021.
  3. „PayTech Impact.EU Study: The future of open banking in Europe from the perspective of providers and customers”, „PayTech Impact.EU” - speaker on the panel, 13th Economic Forum Time, online, March 2021.
  4. „Regulatory framework for a model for cooperation between banks and fintech”, “Banking and fintech – destined to work together (?)”, online, December 2020.
  5. „A bank’s preparations for outsourcing and cloud computing”, A practical approach to EBA and PFSA outsourcing and cloud computing requirements, online, December 2020.
  6. „Managing the tsunami of IT regulations in digital finances”, Payment Meeting, online, November 2020.
  7. „Digital banking: where technologies and regulation collide”, Copernican Digital Forum 2020, online, November 2020.
  8. „Implementing TPP services – regulatory structure vs. business needs, PSD3 and other forthcoming regulations: expected legislative developments in 2020-2023”, The payment services market in light of current and expected regulations and practical problems, online, online, November 2020.
  9. „Artificial intelligence and the financial market”, V European Company Law and Financial Markets Conference, speaker on the panel, online, November 2020.
  10. „Innovations in retail finance the Modern Distribution Congress: case study consumer finance & acquiring”, Kongres Nowoczesnej Dystrybucji –speaker on the panel, online, October 2020.
  11. „Open Banking Premium and Open Data Economy: new opportunities for Webank”. Platformization and interoperability regulatory determinants in finance vs in other sectors, 20th Warsaw International Banking Summit, MMConferences S.A., Warsaw, October 2020.
  12. „New horizons and Paytech obligations: identification, data, taking over of some state functions by payment service providers” – introductory speech, speaker on the panel: „Future will be open”, Open Banking & Open Data Economy” Fintech Digital Congress, MMConferences S.A., Warsaw, September 2020.
  13. „EC vision of the development of the European payment market” – panel discussion moderator, VIII Cashless Congress, Warsaw, September 2020.
  14. „RegTech: more compliance by Tech or compliance in retail easier thanks to tech”, Modern Production Forum, IndustryTech oraz RetailTec Congress, MMConferences S.A., Online, July 2020.
  15. „Will PSD2 lead to invisible payments?” - case study, panel discussion moderator, Spotkanie Liderów Bankowości i Ubezpieczeń, MMConferences S.A., Online, June 2020.
  16. „Cloud outsourcing – review of supervisory requirements, practical side of outsourcing and cloud computing according to EBA regulations and information released by the Polish Financial Supervision Authority, MMConferences S.A., Online, June 2020.
  17. „Payments under PSD2 conditions and further regulations”, „New technologies and payment innovations from the PSD2 perspective”, New products, obligations and liability in bank-client relations according to the PSD2 directive and other regulations, MMConferences S.A., Warsaw, December 2019.
  18. „Road through regulations – licenses, PSD2” - expert debate „Open banking: lesson after the first year”, Fintech Digital Congress, MMConferences S.A., Warsaw, November 2019.
  19. „A new opening: principle-based methodology of regulations 2020+”, Payment Meeting, November 2019.
  20. „The CBP regulation: the equivalence of payments”, „Exclusions of payment regulations and consumer credit”, Uregulowani 2019+ workshop DLK Legal, Warsaw, October 2019.
  21. „Harmonization of the payment regulations in the EU: successes, failures, outlook for licensing, open banking, user identity”, Payment Market Conference, Riga, October 2019.
  22. „Open Banking in a Cloud – new technologies in an age of a new legal climate”, - case study, speaker in panel - „The World after Open Banking – banks, fintechs and bigtechs”, 18th Warsaw Inrnational Banking Summit, MMConferences S.A., Warsaw, October 2019.
  23. „The Consequences of EBA guidelines for outsourcing contracts”, Outsourcing & cloud computing in view of EBA guidelines and Polish Financial Supervision Authority requirements, MMConferences S.A., Warsaw, June 2019.
  24. „Open banking: law in books vs law in action”, Akademia Spółek Kapitałowych 2019, WPiA UJ, Cracow, May 2019.
  25. „How usage of a bank account on the basis of obligatory PSD2 services will change?”, PSD2 2019, Puls Biznesu, Warsaw, May 2019.
  26. „Obligation of providers operating payment accounts to share the interface”, „ASPSP/TPP services in a cloud – market expectations vs. regulatory authority reality”, PSD2 – obligations and risks in relations with the customer, Warsaw, May 2019.
  27. „SEPA PanEuropean API: WIll Europe reach a consensus and are spot regulations amended by self-regulation the future of regulations in innovations”, Strong Customer Authentication – implementation in practice”, FinTech Digital Congress, MMConferences S.A., Warsaw, May 2019.
  28. „How to ensure security of banking secrets and minimise the risk of fraud when PSD2 takes effect” case study, speaker in the discussion panel: „Transborder entities in an ecosystem of changes on the financial market”, 17th Banking Forum, MMConferences S.A., Warsaw, April 2019.
  29. „Dividing up the fruits of Open Banking: who and what it delivers and how it makes money”, Payment Meeting, Warsaw, April 2019.
  30. „New technologies on the financial market” moderator in the expert debate, Akademia Spółek Kapitałowych 2019, WPiA UJ, Cracow, April 2019.
  31. „TECH makes FIN great again: are instruments (API, durable medium) or environments (sandboxes, hubs) better for Fintech?”, Payment technologies 2020+, Central European Digital Payments Conference, Medien Service sp. z o.o., Warsaw, December 2018.
  32. „Polish way of open banking: enhancing the cooperation between banks and TPP”, „Responsibility management regarding unauthorized transactions”, Functioning and development of transaction services in open banking era, MMConferences S.A., Warsaw, December 2018., MMConferences S.A., Warsaw, December 2018.
  33. „PSD2 2020”, Cashless Open Banking Breakfast, Warsaw, November 2018.
  34. „User authentication as of 14th September 2019”, Payment meeting, EIA Polska sp. z o.o., Warsaw, November 2018.
  35. V FinTech & IV InsurTech Digital Congress – panel discussion moderator „The Role of regulations in Fintech”, MMConferences S.A., Warsaw, November 2018.
  36. „Competition standards of API Open Banking: conclusions for regulators and providers”, V FinTech & InsurTech Digital Congress, MMConferences S.A., Warsaw, November 2018.
  37. „PSD2 Interface and ASPSP communication with TPP”, „Access to account information”, PSD2 PL – practical implementation issues in Poland”, Puls Biznesu, Warsaw, October 2018.
  38. „Legal solutions created for Fintech in Poland, in Europe and in the World”, FINTECH in financial sector, Warsaw, September 2018.
  39. „Bank vs TPP – methods and tools and methods of authentication in electronic payments”, Bank vs Client – the responsibility of parties in electronic banking, MMConferences S.A., Warsaw, September 2018.
  40. „Open Banking EU under construction”, Payment Meeting, Warsaw, April 2018.
  41. „PSD-2-GO”, dLK class for FinTech professionals, Warsaw, April 2018.
  42. The PSD2 directive conference: Open Banking in polish, Puls Biznesu, Warsaw, March 2018.
  43. „Read/write: the service”, „The EU iTunes Moment”, dLK class for FinTech professionals, Warsaw, December 2017.
  44. „Insurtech, factoring, leasing: fan club of the EU open banking regulations”, Impact Fintech ’17, Katowice, grudzień 2017.
  45. „The PSD2 i and its implementation– new challenges for banks and TPP’s”, Directive PSD II Customer data security in relations between banks and TPP’s, MMConferences S.A, November 2017.
  46. „Alexa, I’m paying! Who comes first and how many man-days till compliance?”, Payment Meeting, Warsaw, November 2017.
  47. „The contribution of regulations in supporting cashless trade – summary and prospects”, Cashless Poland Forum, Warsaw, October 2017.
  48. Warsaw International Banking Summit – speaker in the discussion panel “PSD2 influence on the Polish financial sector. A revolution in banks - fintechs relation or something else?”, Warsaw, October 2017.
  49. „PSD 2 - moving the goalposts for banks and fintechs”, Puls Biznesu, Warsaw, September 2017.
  50. „Strategy Roundtable: How PSD2 overlaps with other regulatory initiatives. What do the dependencies & interrelations mean for business?”, FinTech and the Future of Payments Forum, London, September 2017.
  51. „Data Portability. Does Fintech need more and how much will get from Reg?”, Market standards – already present or still not developped? Are they really needed?”, Fintech Digital Congress, MMC, Warsaw, May 2017.
  52. „PSD2 Directive”, internal training for a banking sector entity, Warsaw, May 2017.
  53. „Payment accounts with basic features with bank and Saving and Credit Union”, Rachunki podstawowe i schematy płatnicze w świetle najnowszych regulacji, Warsaw, May 2017.
  54. “Blockchain - Forum IT i nowych technologii, moderator of panel discussion, Puls Biznesu, Warsaw, May 2017.
  55. “Obligations of banks resulting from PSD2”, internal training for a banking sector entity, Warsaw, April 2017.
  56. „Data portability – payment accounts, collections of personal data, what’s next?”, “The concept of financial data portability in EU regulations and current state”, “Realisation of regulatory financial data portability in Poland – the implementation of PSD2, GDPR”, “Initiatives outside the EU”, IV Konferencja Payment Meeting, Warsaw, April 2017.
  57. “Effects of the implementation of PSD2 on cooperative banking”, Banki w erze nowych technologii. Jak wykorzystać nową rzeczywistość w bankowości spółdzielczej, KZBS i Asseco, Warsaw, April 2017.
  58. „Fintech nations – will Poland join them?”, discussion moderator, Inauguracja raportu Ekspertki w FinTech, Znane Ekspertki, Warsaw, March 2017.
  59. „Key challenges resulting from the implementation of PSD2”, internal  training for a banking sector entity, Warsaw, January 2017.
  60. „PSD2/AMLD4+blockchain+sandbox = Router WiFi/Kamera IP with IBAN without KYC. What else can the race between regulation and technology bring?”, IX Konferencja Central European Electronic Card - Warsaw 2016.
  61. „Regulatory Sandbox – experiences of other states and conclusions for Poland”, Regulatory Sandbox jako element budowy Regionalnego Centrum Innowacji Finansowej w Polsce (FinTech Hub), FinTech Poland, Warsaw, December 2016.
  62. „Dedicated regulatory environment for innovative financial services”, Waluty cyfrowe - problemy definicyjne i regulacyjne, Wydział Prawa i Administracji UMK, Toruń, grudzień 2016.
  63. „Bank on PSD2 chessboard: actors, standards, technologies, time. From regulations to business decisions.”, KIR - Forum Płatności i Rozliczeń: PSD2 - szanse i wyzwania dla sektora bankowego, Warsaw, November 2016.
  64. „Fintech today and tomorrow: success despite or thanks to regulations?”, Fintech Digital Congress, MM Conferences S.A, Warsaw, November 2016.
  65. „PSD2: accelerator or brake for mobile payments”, Payment Meeting Let’s Mobile!, PAYMENT MEETING, Warsaw, November 2016.
  66. „Digging Deep Session: The EBA Technical Standards For PSD 2 – How Will PSD II Work In Practice? Which Market Segments Will Be Looking For Direct Access To Accounts? What Needs To Be Agreed Between The Account Servicing Banks & The Providers Of Payment Initiation Services?”, The Payments International 2016, London, November 2016.
  67. „Mobile payments and current regulations”, „PSD 2 & RTS EBA: what we know?”, “Future of screen scraping and API on the Internet of Things”, “Human2Machine > Machine2Machine on the Internet: screen scraping and API”, Payment Meeting, Warsaw, November 2016.
  68. „Obligations of banks resulting from PSD2”, internal training for a banking sector entity”, Warsaw, October 2016.
  69. „PSD2”, internal training for a banking sector entity, Warsaw, October 2017.
  70. „Law for Fintech – acceleration, regulation or bureaucracy?”, European Fintech Forum, Związek Firm Pożyczkowych, Warsaw, October 2016.
  71. „Evolution of e-commerce and m-commerce as sectors and growth of modern payment systems in those sectors – chances, threats, regulations”, “Poland as a regional innovative hub for innovative financial services”, Warsaw International Banking Summit, MM Conferences S.A, Warsaw, October 2016.
  72. „Blockchain in financial institutions – situation in Poland and in the world, possible benefits”, public consultations in the Sejm: Pieniądz cyfrowy i technologie rozproszonych rejestrów – teraźniejszość i wyzwania, Warsaw, October 2016.
  73. „Telecommunications undertaking as an insourcer of payment services provider”, „ Issues of PSD2 in telecommunication industry – introduction”, Problematyka Usług Płatniczych w branży telekomunikacyjnej, MM Conferences S.A, Warsaw, September 2016.
  74. „Payment cards complaints with respect to payment organisations’ regulations and the Act on Complaints Handling”, Praktyczny wymiar zarządzania reklamacjami na rynku finansowym, MM Conferences S.A, Warsaw, September 2016.
  75. „EBA’s mandate and financial institutions’ accountability for the compliance with competent authorities’ recommendations”, Zarządzanie i nadzór nad produktem w IF świetle nowych regulacji, MM Conferences S.A, Warsaw, September 2016.
  76. „Payment card transactions complaints”, Reklamacje na rynku finansowym, MM Conferences S.A, Warsaw, September 2016.
  77. „Opportunity for development or cumbersome duties? PSD2 from banking perspective”, II Edycja Banking Profitability Forum, Warsaw, April 2016.
  78. „Amendment to the Act on Payment Services and PSD2”, Instytut Szkoleń Prawa Bankowego, Warszawa, April 2016.
  79. „What fosters the non-cash transactions?” , NO CASH DAY™: Obrót bezgotówkowy w Polsce– gdzie jesteśmy, dokąd zmierzamy?, Medien Service, Warsaw, April 2016.
  80. „Overview of payments developments from CEE perspective”, European Association of Payment Service Providers for Merchants (EPSM), Bratislava, March 2016.
  81. „Payment services market in the respect of regulatory changes – PSD2”, MM Conferences S.A, Warsaw, February 2016.
  82. „Banking and paying on small screen: what regulators, providers and users should know”, Payment Meeting, Warsaw, November 2015.
  83. „Payment Services Directive (PSD II) and Third Party Providers (TPP)”, EUFINtrack, Warsaw, November 2015
  84. „Do we get a rainbow after rain - managing expectations EU regulatory storm and the payment industry”, Payments Card Conference Riga 2015, Vedicard i CAC Academy, Riga, November 2015.
  85. „Security of electronic payments in PSD2”, Bezpieczeństwo płatności elektronicznych w świetle najnowszych zmian prawnych, , MM Conferences S.A, Warsaw, November 2015.
  86. „Standards of compliant handling procedures in current regulations”, Zarządzanie reklamacjami na rynku finansowym w świetle planowanych zmian prawnych, MM Conferences S.A, Warsaw, September 2015.
  87. „PSD2 – newest changes looming on the horizon”, PSD – najnowsze zmiany i praktyka funkcjonowania, ProAbility, Warsaw, September 2015.
  88. „Payment services market in the context of regulatory changes – PSD2”, Rozwój rynku usług płatniczych – nowe wyzwania i obowiązki, MM Conferences S.A, Warsaw, June 2015.
  89. „Accountability of financial institutions for security breaches in mobile banking systems”, XXVII Forum Bankowości Elektronicznej. Bezpieczeństwo bankowości mobilnej, potencjał technologii mobilnej w bankowości, Centrum Promocji Informatyki, Warsaw, June 2015.
  90. „New competition rules on the payment cards market in the light of the regulation on interchange fees”, Nowości płatnicze, czyli co nas czeka wkrótce, Medien Service, Warsaw, June 2015.
  91. „Consumer rights in payment services contracts”, „Bank-consumer relations on the Internet”, Podsumowanie funkcjonowania prawa konsumenckiego w bankach, MM Conferences S.A, Warsaw, May 2015.
  92. „Second Payment Services Directive – PSD2”, „Third Party Providers in PSD2 Directive”, „Banking account in the light of PAD”, „Payment Accounts Directive”, PAD and PSD II, Instytut Szkoleń Prawa Bankowego, Warsaw, April 2015.
  93. „Technological neutrality in payment regulations in  practice”, Konferencja Payment Meeting, Warsaw, April 2015.
  94. „Mobile Innovation In Poland”, PAYMENTS INTERNATIONAL 2015, London, March 2015.
  95. „Payment Accounts Directive and competition between account providers”, VI Forum Informatyki w Bankowości Spółdzielczej. Uwarunkowania efektywności i bezpieczeństwa IT w bankowości spółdzielczej w świetle najnowszych rekomendacji i dyrektyw, Centrum Promocji Informatyki, Warsaw, March 2015.
  96. „Distant payments -  what is and what should be in the Court’ case-law?, IV seminarium Najnowsze Orzecznictwo Sądowe w Zakresie Prawa Nowych Technologii Komunikacyjnych, Centrum Promocji Informatyki, Warsaw, March 2015.
  97. „Access to the Account: vision-scenarios-expectations-cases”, 14th EPCA Payment Summit 2015, Brussels, March 2015.
  98. „Second Payment Services Directive (PSD2)”, Forum Bankowości Elektronicznej: Rozwój funkcjonalności mobilnych w usługach bankowych i finansowych, Centrum Promocji Informatyki, Warsaw, February 2015.
  99. „Virtual Currencies – How Are Regulators”, Managing Challenges & Change, European Payments Regulation, London, December 2014.
  100. „Payments written by regulations 2015-2020”, Central European Electronic Card, Medien Service, Warsaw, November 2014.
  101. „Sharing login data with third parties”, Bezpieczeństwo bankowości elektronicznej – praktyka przeciwdziałania nadużyciom i oszustwom, MM Conferences S.A, Warsaw, October 2014.
  102. „Legal and economic aspects of PAD”, „New Payment Services Directive (PSD2)”. Najnowsze zmiany w zakresie funkcjonowania i rozwoju rynku usług płatniczych, MM Conferences S.A, Warsaw, October 2014.
  103. „E-mail transaction confirmation instead of a printout. Legal boundaries of new mPOS capabilities”, Rynek akceptacji kart w Polsce – czas na mPOSy, Medien Service, Warsaw, October 2014.
  104. „Digital contect in the new Act on Consumer Rights”, Nowe Prawo Konsumenckie - Najważniejsze zmiany dotyczące obowiązków sprzedawcy, e-handlu, reklamacji i umów zawieranych na odległość, Nowoczesna Firma, Warsaw, June 2014.
  105. „How to discharge informational obligations towards the customer?”, Praktyk Prawa Konsumenckiego w Bankowości, MM Conferences S.A, Warsaw, June 2014.
  106. „Act on Payment Services”, „Introduction of the basic account according to the rules set by the EU authorities”, Wybrane problemy prawne wynikające ze zmian w ustawodawstwie, istotne dla systemu bankowego, Narodowy Bank Polski, Warsaw, June 2014.
  107. „Agreements on acquiring mobile payments”,Płatności mobilne 2014, Centrum Prawa Bankowego i Informacji, Warsaw, May 2014.
  108. „Second PSD Directive”, „Draft on Payment Accounts Directive”, Rozwój Rynku Usług Płatniczych – Nowe Obowiązki, Wyzwania i Możliwości, MM Conferences S.A, Warsaw, May 2014.
  109. „Internet vs. Mobile banking – legal aspects of changing access channel”, XXXIV edycja Forum Bankowości Elektronicznej. Technologie IT w bankowości mobilnej. Bank w smartfonie i tablecie, płatności w aplikacji, Centrum promocji Informatyki, Warsaw, April 2014.
  110. „Surveillance of the Office of Electronic Communications and Financial Supervision Authority over international projects”, Workshop, Warsaw, April 2014.
  111. „Draft on new Payment Services Directive (PSD2)”, “ SEPA Regulation End-Date (260/2012)”, Aktualne zmiany w prawie usług płatniczych, Instytut Szkoleń Prawa Bankowego, Warsaw, April 2014.
  112. „Regulatory navigation: practical methods for the shortest course forward without hitting a mine.”, “Regulation on payment market: regulatory visions and their realisation – current and upcoming state”, Regulacje prawne – istotny gracz na rynku nowoczesnych płatności z cyklu Polskie karty i systemy, Medien Service, Warsaw, March 2014.
  113. „Ban on rejection of connecting microinstalation”, Ekspert stosowania prawa konsumenckiego w energetyce, MM Conferences S.A, Warsaw, February 2014.
  114. „Outsourcing agreement in banking”, Ekspert Zarządzania Outsourcingiem Bankowym – Prawo, Organizacja i Kontrola Czynności Powierzonych, MM Conferences S.A, Warsaw, December 2013.
  115. „Distance contracts – newest changes and current issues”, Prawo konsumenckie w branży energetycznej w świetle najnowszych zmian i istniejących problemów, MM Conferences S.A, Warsaw, October 2013.
  116. „New Payment Services Directive – PSD”, „Electronic Money”, „Resolution SEPA End-Date (260/2012)”, Zmiany w prawie usług płatnych, Instytut Szkoleń Prawa Bankowego, Warsaw, October 2013.
  117. Expert in panel discussion, leading theme: E-economy, Europejski Kongres Małych i średnich Przedsiębiorstw, Katowice, September 2013.
  118. „Draft on Payment Account Directive”, “SEPA Regulation End-Date (260/2012)”, Nowe Uregulowania Prawne Rynku Usług Płatniczych, MM Conferences S.A, Warsaw, September 2013.
  119. „Second PSD Directive and other related EC initiatives”, Nowe Uregulowania Prawne Rynku Usług Płatniczych, MM Conferences S.A, Warszawa, June 2013.
  120. „Increased duties and responsibilities of entrepreneur according to the new Consumer Directive”, Prawo Konsumenckie w świetle najnowszych zmian i istniejących problemów, MM Conferences S.A, Warsaw, May 2013.
  121. „Mass payments: law on the right side”, Mass Payments, GigaCon, Warsaw, March 2013.
  122. „Future of payment market from international perspective” – panel discussion, Warsaw International Banking Summit, MM Conferences S.A, Warsaw, October 2012.
  123. „Third party access to payment account”, “PSD II”, Usługi płatnicze: bieżące i nadchodzące wyzwania regulacyjne, MM Conferences S.A, Warsaw, September 2012.
  124. „Act on Payment Services – interpretative dilemmas. Amendment of the Act of Payment Services in the light of upcoming changes in PSD and EMD II Directives”, Ustawa o Usługach Płatniczych. Problemy interpretacyjne i nowelizacja, Warsaw, June 2012.
  125. „Banking oursourcing: risk management in banking institutions”, MM Conferences S.A, Warsaw, June 2012.
  126. „Act on Payment Services. Practical aspects of implementation”, Instrumenty Płatnicze, Instytut Szkoleń Prawa Bankowego, Warsaw, February 2012.
  127. „Mobile payments: law on the right side”, Workshops – mobile and contactless payments, Warsaw, September 2011.
  128. „Offering consumer credit along with payment service”, Nowa Ustawa w sprawie Kredytu Konsumenckiego, MM Conferences S.A, Warsaw, June 2010.
  129. „Optimal implementation of key changes resulting from PSD in relations with users”, “Models of entering payment market by non-banking entities”, moderator of panel discussion:  Experiences from the implementation of PSD in EU member, PSD – first experiences of European countries, MM Conferences S.A, Warsaw, March 2010.
  130. PSD & EMD II Workshops, 9th international EPCA conference, Paris, March 2010.
  131. „Requirements concerning payment service contract and informational duties”, “Rules for the execution of payment services”, “Payment instruments”, Seminarium Prawa Bankowego, Instytut Szkoleń Prawa Bankowego, Warsaw, February 2010.
  132. „ATM market in PL recent developments”, 3rd Annual Card Acquiring Summit: Customers, Choices, Crossroads, Vienna, February 2010.
  133. „Payment instruments in PSD Directive and responsibility for unauthorized payment transactions”, “Frame contract and informational duties in the light of 2007/64 Directive”, Umowa rachunku bankowego oraz praktyczne zagadnienia związane z wdrożeniem dyrektywy PSD, Instytut Szkoleń Prawa Bankowego, Warsaw, February 2010.
  134. „Act on payment services. Practical aspects of implementation”, Wykonywanie usług płatniczych, Instytut Szkoleń Prawa Bankowego, Warsaw, February 2010.
  135. „Payment institutions: better choice to merchants?”, Forum 2010, European Card Aquiring, Berlin, January 2010.
  136. „Electronic banking”, moderator of panel discussion, Konferencja Central European Electronic Card Warsaw 2009, Medien Service, Warsaw, December 2009.
  137. „PSD Directive – the newest regulations on traditional banking”, II edycja Banking Management Forum, Warszawa, October 2009.
  138. “Cash pooling”: “SEPA & PSD: New opportunities for cash management optimalisation”, Informedia Poland, Warsaw, November 2008.
  139. „PSD Directive” – workshop, internal trainng for a banking sector entity, Cracow, September 2008.
  140. „PSD Directive: promoter and reviewer of SEPA. New possibilities, costs, competitors”, Banking Top Management Forum 2008 – Spotkanie Elit, Warsaw, September 2008.
  141. „Legal aspects of e-commerce”, Mobilne płatności w Polsce, Institute for International Research, Warsaw, June 2008.
  142. „Legal and interpretational nuances in EU and Polish legislation”, Pieniądz elektroniczny – jak wykorzystać go w Polsce?, Medienservice, Warsaw, June 2008.
  143. „Provision of SEPA payment services – regulatory determinants of new standards”, SEPA Etap I, Informedia Poland, Warszawa, June 2008.
  144. Future legal framework of transaction banking in light of PSD “Payment transactions by means of payment instruments in Directive 2007/64/EC”, European Doctoral College, Cracow, May 2008.
  145. PSD Directive – workshops, internal training for a banking industry entity, Cracow, January 2008.
  146. „PSD Directive. Impact on universal bank activities.”, internal training for a banking industry entity, Katowice, January 2008.
  147. „Payment services today. Current legal  conditions of the provision of payment services.”, “PSD Directive – relationship between payment services provider and client”, “Mobile payments before and after the implementation of PSD.”, Pre-paid instruments before and after the implementation of PSD.”, “Micropayments before and after the implementation of PSD”, Rynek usług płatniczych w Polsce i Europie, Informedia Poland, Warsaw, December 2007.
  148. „Der polnische Zahlungmarkt und die Interchange Problematik. Aktueller Stand, Entscheidung der Kartellbehörde und Ausblick”, Payment World 2007, Wiesbaden, November 2007.
  149. „New trends in electronic payment instruments”, „Responsibility for unauthorized use of electronic payment instruments in distance transactions”, “Regulation of relationship between issuer, holder, merchant and acquirer in the draft of PSD Directive”,  19 Forum Prawa Bankowego, Warsaw, April 2007.
  150. „Pros and cons of various payment modalities in electronic services”, Świadczenie usług drogą elektroniczną, Software – Konferencje, Warsaw, January 2007.
  151. „ Limitations in contract freedom – corporate banking.”  13th Electronic Banking Forum, Warsaw, December 2006.
  152. „Methods of client identification in electronic banking – legal risk”, Internet Banking Security, Mikołajki, August 2006.
  153. „EDI and digital signature in light of electronic commerce law”, Bezpieczeństwo systemów teleinformatycznych i elektroniczna wymiana dokumentów”, Presscom sp. z o.o., Warsaw, November 2005.
  154. „Haftung für Missbrauch elektronischer Zahlungsinstrumenten”, Deutsche Forschungsgemeinschaft – Berichtkolloqium des Europäischen Graduiertenkollegs, Heidelberg, November 2005.
  155. „Creating infrastructure for payments in local communities, EMV,RFID”, 5th Forum of IT in Administration, CPI  sp. z o.o., October 2005.
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