Andrzej Bien, a prof. associated with the Institute of Banking of the School of Economics, answers the questions of Rafał Górski, editor-in-chief of the civilian Affairs Week.
Andrzej Bień
Expand BiogramDr hab., Prof. SGH, is an economist associated with the Institute of Banking of the Warsaw School of Economics. Specializes in banking, money and capital markets, global financial operations, exchange rate policies, loans, insurance and accounting. Since 1975, he has participated in training programs and internships in renowned financial institutions, including pursuit Manhattan, Irving Trust, Lloyd Bank, Banca Nazionale del Lavoro, Commercial Bank, and stock exchanges in fresh York City, Frankfurt, Paris, Amsterdam and Zurich. He is the author and co-author of respective 100 papers and publications, including 13 books.
(...) elevators are applicable, but no liable developer would only install elevators without escape stairs. Maintaining parallel options is consistent with the rule of resilience through diversity.
Brett Scott, "Cloudmoney: Cash, cards, crypto – War on Our Portfolios"
The ability to pay in various ways improves readiness. usage cash from time to time. It is worth to have: cash in different denominations at least a week; another means of payment specified as a bank card and access to electronic services.
Swedish safety guide “In case of crisis or war”
Action must be taken to slow down the process of moving distant from cash and to defy the besides low thresholds of legal cash payments86. Coalition action for Cash can play an crucial function in this context.
Andrzej Zybertowicz, „Gottka – 1 of the pillars of freedom: origin for the diagnosis of digital civilization”
- Does a average individual present have a real choice of how to pay – cash or digitally? If ATMs and cash are disappearing in bank branches, and the sellers want us to pay with a card due to the fact that they have no way to spend the rest, can we inactive talk about free choice?
- Are there myths or misinformation around the cash today? Which claims about its costs, its safety, its connection to the grey region or the expected disappearance are the most misleading?
- Didn't the Polish banking strategy go besides far into digitalisation? Where is the boundary between convenience and efficiency and the dependence of citizens on technology?
Cash is legal, but there's no ATM. Will UOKiK make certain there's a place to pay it? Rafał Górski
- Who should bear the cost of maintaining access to cash – banks, NBP, state, ATM operators or customers themselves? Can access to cash only be left to the economical accounting of banks and operators?
- What should be the place for cash in Poland present and in 10-20 years? Should it be treated as an component of the safety of citizens and the state and not just as 1 of the means of payment?
- Is there a lobby in Poland to reduce the function of cash? If so, who has a non-cash interest in Poland. How can citizens effectively defend the right to pay in cash?
- What crucial question has no 1 always asked you about what we're talking about? And what is the answer to that question?
Hard and without anesthesia
– this is how we have been operating since 2020. Journalism that is not indifferent. The civilian Affairs Weekly announces abuse, educates and gives tools for a real, civic change.
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