Janina Harasim
ORCID iD University of Economics in Katowice. Faculty of Finance
Poland

Janina Harasim is a professor at University of Economics in Katowice, Department of Banking and Financial Markets. Her scientific interests focus on retail banking, competition on retail payment market (new entrants, FinTechs, regulations etc.) and diffusion of payment innovations. She is an author of over 140 scientific publications including 9 monographs. She conducted several payment surveys for payment industry in Poland

Monika Klimontowicz
ORCID iD University of Economics in Katowice. Faculty of Finance
Poland

Monika Klimontowicz is a professor at the University of Economics in Katowice, holding PhD and DSc (habilitation) degree in Economics. Her scientific interests focus on business strategy, banking innovations, creating value for customers, knowledge and intellectual capital, and competition in the banking market. Teaching activities include BA, MA and post-graduate courses related to banking, market strategies and competitive advantage, electronic money and payments, as well as banks and non-bank entities’ market behaviour (including FinTech). The results of her research are the topic of lectures delivered at domestic and foreign universities. Visiting lecturer at, i.e. Banku Augskola, BA School of Business and Finance in Lithuania, Turku University of Applied Sciences in Finland, Valencia University in Spain, Universite de Bretagne Occidentale in Quimper, France, Okan Universitesi in Istanbul, Turkey, the University of Alicante in Spain, Caucasus University in Tbilisi, Georgia, Polytechnic Institute of Setubal in Spain, University of Applied Sciences Würzburg-Schweinfurt in Germany, Saimaa University of Applied Sciences in Lappeenranta, Finland, VSB-TU Ostrava, Chechia, Faculty, Polytechnic Institute of Braganca in Portugal.