Behind our innovations is a team of experts

Digital Gateways is made up of experts with many years of experience in banking, fintech,
risk management and data technology.

Krzysztof Biernacki, PhD

CEO Digital Gateways

He has over 20 years of experience in digital transformation, marketing, operations and IT. At Aviva Polska, as chief digital officer, he was responsible for digital transformation. He also has over 10 years of experience in the banking sector. In that time, he introduced award-winning e-banking and mobile channels, created innovative payment solutions, and implemented an omnichannel platform for client-bank partnerships.

Previously a member of the Electronic Banking Council within ZBP (Polish Bank Association), he is currently a member of the digitalization team at the Polish Insurance Association.

He is a PHD of economic sciences.

Paweł Jaskulski

Managing director, Area of New Technologies and Cybersecurity

He has built his almost 19-year career in the largest financial institutions in Poland: Inteligo Financial Services, Citi Handlowy, PKO BP and BNP Paribas, where in recent years he has been responsible for the development of the payment area in the Internet Banking Internet and mobile banking and Computer Security Incident Response Computer Security Incident Response CSIRT.

He has also been involved for years in the digital transformation of the banking sector and key public institutions. He was a member of the Electronic Banking Council and the Banking Cyber Security Centre at the Polish Bank Association.

Michał Krasnodębski

Head of Product

Certified PRINCE2 Practitioner and Six Sigma Black Belt with extensive experience as Project Manager, internal consultant, trainer and coach. At Digital Gateways, he focuses on delivering data-driven results and process improvement. Previously held the role of Head of the Digital Product Owners Team at Aviva Poland, where I managed a team of Product Owners. I was also a Business Process Expert at Provident Poland, where he was responsible for a number of process improvement activities. He also gained experience at Bank Millennium.

Patryk Ciurzyński

Business Owner

An innovator by passion, professionally a leader of implementation teams in financial industry projects with a particular focus on payments and user identity verification. At Digital Gateways, he builds the vision and manages the product. From 2018-2020 Strategic Partner Manager at The Heart, where he managed venture building projects and created business process diagrams. Previously, he worked as Product Sales at Mastercard Europe in Zurich, where he created the format for market reports and was involved in the implementation of payment innovations.

Zuzanna Stolarska

Business Development Specialist

Zuzanna has over ten years of experience in the financial sector. At Digital Gateways, she is in charge of business development and collaboration with our clients. Her previous role at PolCard with Fiserv (Fiserv Polska S.A.) as a sales representative allowed her to develop her skills in customer service, building strong partnerships, achieving sales targets, negotiating customised collaborations, market analysis and monitoring the competition. Zuzanna combines different perspectives in her work, thanks to her experience also as a Product Manager.

Michał Konopka

CEO AIS Gateway business development

A manager with 15 years of experience in the international fintech market, focused on technology and data. He is responsible for risk management, development of companies and fintech products. Earlier in his career, he managed the strategies of companies operating in the Scandinavian countries, Spain and Poland.

He is also a founder of risk management and consulting companies for the lending sector. In 2021, he was among the 50 best managers in the Polish financial market - a title awarded by „Loan Magazine".

Weronika Gross-Markowska

Vice president AIS Gateway data science and IT

An expert with over 14 years of experience in expert positions related to data analysis and management. She started her career with risk management, later shifting her focus to IT and data science. She specializes in data warehousing, data analytics, decision support systems (DSS), business intelligence, and has extensive ETL (extract, transform, load) experience.

She has led and participated in many data projects for international fintech companies. She studied information technology with a focus on econometrics and actuarial statistics.