{"id":25600,"date":"2025-10-01T00:06:56","date_gmt":"2025-09-30T22:06:56","guid":{"rendered":"https:\/\/insummit.pl\/2022-2025\/?page_id=25600"},"modified":"2025-10-01T00:07:37","modified_gmt":"2025-09-30T22:07:37","slug":"pieniadze-qa","status":"publish","type":"page","link":"https:\/\/insummit.pl\/2022-2025\/program-insummit-2025\/pieniadze-qa\/","title":{"rendered":"Pieni\u0105dze Q&#038;A"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"25600\" class=\"elementor elementor-25600\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6aee662 elementor-section-full_width elementor-section-height-min-height elementor-section-height-default elementor-section-items-middle\" data-id=\"6aee662\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1afe9a0\" data-id=\"1afe9a0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-e30a696 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e30a696\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-c1c8baa\" data-id=\"c1c8baa\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2274559 giz_program_tytul elementor-widget elementor-widget-text-editor\" data-id=\"2274559\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tQ&#038;A\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-998b7d7\" data-id=\"998b7d7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5e961b7 elementor-widget elementor-widget-text-editor\" data-id=\"5e961b7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tPIENI\u0104DZE\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a7e7cf elementor-widget elementor-widget-text-editor\" data-id=\"1a7e7cf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span style=\"font-weight: 300;\">SESJA MODEROWANA<\/span>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e2bc11b elementor-widget elementor-widget-text-editor\" data-id=\"e2bc11b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span class=\"giz_program_godzina\">13:05<\/span> \u015aRODA, 24 WRZE\u015aNIA\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d0d28e0 giz_zalogowany elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d0d28e0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3f593ff\" data-id=\"3f593ff\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-605b351 elementor-widget elementor-widget-shortcode\" data-id=\"605b351\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div id='vdo'><strong>VdoCipher Error: Video ID not found<\/strong><\/div><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5e3b1f5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5e3b1f5\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2a21321\" data-id=\"2a21321\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-9af9f48 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9af9f48\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-76f5d78\" data-id=\"76f5d78\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-82c529b elementor-widget elementor-widget-text-editor\" data-id=\"82c529b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tW \u015bwiecie rosn\u0105cej dost\u0119pno\u015bci rozwi\u0105za\u0144 umo\u017cliwiaj\u0105cych roz\u0142o\u017cenie p\u0142atno\u015bci w czasie \u2013 od klasycznych kredyt\u00f3w ratalnych, po\u017cyczki got\u00f3wkowe, przez karty, a\u017c po embeded finance \u2013 warto przeanalizowa\u0107: jak te instrumenty wp\u0142ywaj\u0105 na codzienne decyzje zakupowe Polak\u00f3w? I jak korzystaj\u0105 z nich r\u00f3\u017cne pokolenia? \nCzy wzrost dost\u0119pno\u015bci do r\u00f3\u017cnych form finansowania potrzeb zmieniaj\u0105 poziom zad\u0142u\u017cenia Polak\u00f3w  i wp\u0142ywa na poziom kontroli nad swoimi zobowi\u0105zaniami i bud\u017cetem domowym? \nWyjd\u017amy poza deklaracje i sp\u00f3jrzmy w rzeczywiste dane! Na podstawie danych o zad\u0142u\u017ceniu 25 milion\u00f3w Polak\u00f3w, powiemy jak jest naprawd\u0119 W naszym wyst\u0105pieniu poka\u017cemy, kt\u00f3re formy finansowania s\u0105 wybierane najcz\u0119\u015bciej jako pierwszy spos\u00f3b pokrycia koszt\u00f3w zakup\u00f3w, jak wp\u0142ywaj\u0105 na dalsze decyzje konsumenckie, oraz kto najlepiej radzi sobie z ich obs\u0142ug\u0105.\nNa podstawie rzeczywistych danych o zobowi\u0105zaniach finansowych Polak\u00f3w przeanalizujemy, w jaki spos\u00f3b Baby Boomersi, X, Y, Z-ki wspieraj\u0105 swoje bud\u017cety domowe zewn\u0119trznym finansowaniem i jak zarz\u0105dzaj\u0105 terminowo\u015bci\u0105 p\u0142atno\u015bci. Odpowiemy te\u017c na pytanie, czy rosn\u0105ca \u0142atwo\u015b\u0107 finansowania zakup\u00f3w to trwa\u0142a zmiana stylu konsumpcji, a mo\u017ce wyzwanie wymagaj\u0105ce wi\u0119kszej edukacji finansowej.\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-5dc4a49\" data-id=\"5dc4a49\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-77d5816 elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"77d5816\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img fetchpriority=\"high\" decoding=\"async\" width=\"250\" height=\"250\" src=\"https:\/\/insummit.pl\/2022-2025\/wp-content\/uploads\/2025\/08\/wyborski2.jpg\" class=\"attachment-full size-full wp-image-24517\" alt=\"\" srcset=\"https:\/\/insummit.pl\/2022-2025\/wp-content\/uploads\/2025\/08\/wyborski2.jpg 250w, https:\/\/insummit.pl\/2022-2025\/wp-content\/uploads\/2025\/08\/wyborski2-150x150.jpg 150w\" sizes=\"(max-width: 250px) 100vw, 250px\" \/><\/figure><div class=\"elementor-image-box-content\"><span class=\"elementor-image-box-title\">Pawe\u0142 Wyborski<\/span><p class=\"elementor-image-box-description\">Lider obszaru Rozwoju AI i Biznesu Data Science\n<br>\n<strong>BIK<\/strong><\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c8e863c elementor-widget elementor-widget-text-editor\" data-id=\"c8e863c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tEkspert w dziedzinie budowania nowoczesnych produkt\u00f3w i us\u0142ug technologicznych opartych o dane, zaawansowan\u0105 analityk\u0119 i sztuczn\u0105 inteligencj\u0119. Swoje ponad 20 letnie do\u015bwiadczenie budowa\u0142 w bran\u017cach telekomunikacyjnych, e-commerce i finansowej, gdzie odpowiada\u0142 mi\u0119dzy innymi za realizacj\u0119 projekt\u00f3w z obszaru GenAI, Data Science, Customer Intelligence, Marketing Automation oraz Location Intelligence. Swoje do\u015bwiadczenie budowa\u0142 jako przedsi\u0119biorca wsp\u00f3\u0142tworz\u0105c wiele firm min. Data Force Group, gdzie realizowa\u0142 liczne projekty doradcze w zakresie monetyzacji danych dla takich firm jak Orange, Polkomtel, Credit Agricole. W QuarticON, pe\u0142ni\u0142 rol\u0119 CTO. W oparciu o chmur\u0119, zbudowa\u0142 technologi\u0119 wykorzystuj\u0105c\u0105 AI w czasie rzeczywistym do personalizacji i marketing automation dla e-commerce. Wsp\u00f3\u0142pracowa\u0142 z g\u0142\u00f3wnymi sklepami internetowymi tj. LPP, Empik, 4F, CCC, Allegro, Euroagd, Sportvision, Zalando, Hepsiburada. Jest in\u017cynierem i absolwentem informatyki na Politechnice Warszawskiej. Jako przedsi\u0119biorca pe\u0142ni\u0142 r\u00f3\u017cne role w organizacjach zar\u00f3wno po stronie IT jak i biznesu. Prelegent na licznych konferencjach bran\u017cowych w Polsce i za granic\u0105 w tym m.in. InfoShare, CEBIT, InternetBeta, DEC, eCommerce Expo. W BIK odpowiada za rozw\u00f3j AI oraz produkt\u00f3w data science, w tym location intelligence.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-8e0e18b\" data-id=\"8e0e18b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-103eb40 elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"103eb40\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"250\" height=\"250\" src=\"https:\/\/insummit.pl\/2022-2025\/wp-content\/uploads\/2025\/07\/zamojska_paulina.jpg\" class=\"attachment-full size-full wp-image-23201\" alt=\"\" srcset=\"https:\/\/insummit.pl\/2022-2025\/wp-content\/uploads\/2025\/07\/zamojska_paulina.jpg 250w, https:\/\/insummit.pl\/2022-2025\/wp-content\/uploads\/2025\/07\/zamojska_paulina-150x150.jpg 150w\" sizes=\"(max-width: 250px) 100vw, 250px\" \/><\/figure><div class=\"elementor-image-box-content\"><span class=\"elementor-image-box-title\">Paulina Zamojska<\/span><p class=\"elementor-image-box-description\">Mened\u017cer ds. Rozwoju Produkt\u00f3w i Us\u0142ug Data Science\n<br>\n<strong>BIK<\/strong><\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9defce0 elementor-widget elementor-widget-text-editor\" data-id=\"9defce0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tEkspertka z wieloletnim do\u015bwiadczeniem w zakresie monetyzacji danych oraz wdra\u017caniu rozwi\u0105za\u0144 data-driven w \u015brodowiskach o wysokiej dynamice biznesowej. Specjalizuje si\u0119 w obszarach Data Strategy, Customer Intelligence, Location Intelligence, Business Consulting, Artificial Intelligence oraz Marketing Automation. Pracowa\u0142a przy strategiach data-driven w takich sektorach jak bankowo\u015b\u0107, telekomunikacja, retail, e-commerce, ubezpieczenia czy automotive. Realizowa\u0142a liczne, z\u0142o\u017cone inicjatywy analityczne zogniskowane na rozwoju Customer Experience w obszarach personalizacji, omnichannel, profilowania klient\u00f3w, next best offer (NBO), segmentacji behawioralnej i koszykowej, customer lifetime value (LTV), cross-sell, up-sell, anty-churn, pricing optimization. Posiada tak\u017ce do\u015bwiadczenie w Market Research: opracowywanie metodologii bada\u0144 ilo\u015bciowych oraz strategicznych insight\u00f3w. \nPracowa\u0142a m.in. w firmach Orange, SAS Institute, Gemius, Kantar oraz budowa\u0142a start-upy w obszarze data-driven, ukierunkowane na wykorzystywaniu danych do podejmowania decyzji biznesowych, automatyzacji dzia\u0142a\u0144 marketingowych oraz budowie innowacyjnych produkt\u00f3w AI. \nJest absolwentk\u0105 matematyki na Politechnice Warszawskiej. \u0141\u0105czy kompetencje technologiczne, analityczne i biznesowe, wspieraj\u0105c organizacje w tworzeniu przewagi konkurencyjnej opartej na danych. W BIK odpowiedzialna jest za rozw\u00f3j produkt\u00f3w i us\u0142ug Data Science.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Q&#038;APIENI\u0104DZESESJA MODEROWANA13:05 \u015aRODA, 24 WRZE\u015aNIAW \u015bwiecie rosn\u0105cej dost\u0119pno\u015bci rozwi\u0105za\u0144 umo\u017cliwiaj\u0105cych roz\u0142o\u017cenie p\u0142atno\u015bci w czasie \u2013 od klasycznych kredyt\u00f3w ratalnych, po\u017cyczki got\u00f3wkowe, przez karty, a\u017c po embeded finance \u2013 warto przeanalizowa\u0107: jak te instrumenty wp\u0142ywaj\u0105 na codzienne decyzje zakupowe Polak\u00f3w? I jak korzystaj\u0105 z nich r\u00f3\u017cne pokolenia? Czy wzrost dost\u0119pno\u015bci do r\u00f3\u017cnych form finansowania potrzeb zmieniaj\u0105 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":23112,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"pmpro_default_level":"","site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"unboxed","site-sidebar-style":"unboxed","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-25600","page","type-page","status-publish","hentry","pmpro-has-access"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.10 - aioseo.com -->\n\t<meta name=\"description\" content=\"Q&amp;A PIENI\u0104DZE SESJA MODEROWANA 13:05 \u015aRODA, 24 WRZE\u015aNIA VdoCipher Error: Video ID not found W \u015bwiecie rosn\u0105cej dost\u0119pno\u015bci rozwi\u0105za\u0144 umo\u017cliwiaj\u0105cych roz\u0142o\u017cenie p\u0142atno\u015bci w czasie \u2013 od klasycznych kredyt\u00f3w ratalnych, po\u017cyczki got\u00f3wkowe, przez karty, a\u017c po embeded finance \u2013 warto przeanalizowa\u0107: jak te instrumenty wp\u0142ywaj\u0105 na codzienne decyzje zakupowe Polak\u00f3w? 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