Marta Postuła is Head of the Finance and Accounting Department, Faculty of Management, University of Warsaw, Poland. She graduated with honours in organisation and management and obtained her PhD in 2007 with a dissertation on public finance management in Poland during economic transformation and integration. Her career includes many years at the Polish Ministry of Finance, membership in supervisory boards of major state-owned and financial companies, and authorship of more than one hundred scientific publications on public finance and economic policy.Arkadiusz Garbarczyk is an expert in banking and finance with over 25 years of experience in the financial sector. He holds a solid academic background, having earned degrees in mathematics and economics from the University of Warsaw; his education is complemented by studies under a cooperative program with Columbia University. As a seasoned senior executive, including roles on management boards, he has gained unique expertise in strategic credit, financial, and operational risk management, as well as in overseeing liquidity and capital adequacy.