{"id":49257,"date":"2025-06-25T14:47:00","date_gmt":"2025-06-25T12:47:00","guid":{"rendered":"https:\/\/badania.uew.pl\/?p=49257"},"modified":"2026-06-19T14:59:51","modified_gmt":"2026-06-19T12:59:51","slug":"fintech-as-a-mirror-of-wroclaw-and-lower-silesias-transformation-what-does-it-reveal","status":"publish","type":"post","link":"https:\/\/badania.uew.pl\/en\/fintech-as-a-mirror-of-wroclaw-and-lower-silesias-transformation-what-does-it-reveal\/","title":{"rendered":"FinTech as a Mirror of Wroclaw and Lower Silesia\u2019s Transformation. What Does It Reveal?"},"content":{"rendered":"\n
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Dr hab. Andrzej Raszkowski, Prof. WUEB<\/a>, co-author of the report \u201cFinTech \u2013 Wroc\u0142aw and Lower Silesia\u201d, discusses how financial technologies expose both the ambitions and the limitations of the region.<\/strong><\/p>\n\n\n

\"Obrazek<\/figure>\n\n\n

Can a report on the local FinTech market change the way we understand regional development? It can \u2013 if it does not stop at data, but maps opportunities, barriers, and directions for action. <\/p>\n\n\n\n

That is precisely the ambition of \u201cFinTech \u2013 Wroc\u0142aw and Lower Silesia\u201d, produced in collaboration between industry experts, the Wroc\u0142aw Agglomeration Development Agency, and Dr hab. Andrzej Raszkowski, Prof. at Wroc\u0142aw University of Economics and Business. This is not another publication about start-ups. It is a document that encourages rigorous thinking and uncomfortable questions. <\/p>\n\n\n\n

What makes this report a significant contribution?<\/strong><\/strong><\/h2>\n\n\n\n

It does not focus solely on market leaders. It examines the full complexity of the sector: from large global firms, through start-ups, to investment funds, software houses, and even debt collection companies that have undergone digital transformation. <\/p>\n\n\n\n

Rather than analysing data in isolation, it draws attention to relationships: between technology and education, local government and business, investors and universities. <\/p>\n\n\n\n

It raises important questions: why, despite considerable potential, has the region not yet produced a FinTech unicorn? Is the diversity of companies and approaches a strength or a constraint? What is needed for Wroc\u0142aw to genuinely become one of the leading financial innovation hubs in this part of Europe?<\/p>\n\n\n\n

Expert perspective: Prof. Andrzej Raszkowski<\/strong><\/strong><\/strong><\/h2>\n\n\n\n
\n

\u201cWroc\u0142aw has real prospects to become one of the leading FinTech hubs in Poland and Central and Eastern Europe,\u201d<\/em><\/strong><\/em><\/p>\n\n\n\n

\u2014 says Prof. Raszkowski.<\/em>\u00a0<\/p>\n<\/blockquote>\n\n\n\n

As the only academic representative in the authoring team, he brought a regional development and strategic perspective to the report. For Prof. Raszkowski, FinTech is more than a sector \u2013 it is an indicator of a region\u2019s capacity for collaboration, long-term planning, and investment in the future. He nonetheless notes that this potential will not materialise on its own. Without investment in digital infrastructure, without support for scale-ups, without genuine cooperation between universities, local authorities, and investors, many opportunities may be lost.\u00a0<\/p>\n\n\n\n

Key findings:<\/strong><\/strong><\/strong><\/h2>\n\n\n\n
    \n
  1. FinTech is not only about start-ups \u2013 debt collection companies and software houses offering advanced solutions play a significant role in the sector.\u00a0<\/li>\n\n\n\n
  2. Wroc\u0142aw has considerable potential \u2013 but requires systemic support: infrastructure, investors, and specialist talent.\u00a0<\/li>\n\n\n\n
  3. FinTech is also a domain of social innovation: microdonations, open banking, AI, and ESG demonstrate that financial technologies can support not only economic development but also the construction of a more equitable society.\u00a0<\/li>\n<\/ol>\n\n\n\n

    Knowledge that informs decisions<\/strong><\/strong><\/strong><\/h2>\n\n\n\n

    \u201cFinTech \u2013 Wroc\u0142aw and Lower Silesia\u201d is a tool for decision-makers, universities, businesses, and investors. It reveals the complexity of the sector and demonstrates the value of those who can understand it and support its development. <\/p>\n\n\n\n

    Full report \u201cFinTech \u2013 Wroc\u0142aw and Lower Silesia\u201d https:\/\/z3x.io\/pl\/raporty\/fintech-wroclaw-dolnoslaskie<\/a><\/p>\n\n\n\n

    \n

    Meet the author of the article<\/h2>\n\n\n\n

    Dr hab. Andrzej Raszkowski, Professor of the WUEB<\/strong><\/strong><\/strong><\/p>\n\n\n\n

    Expert in the field of: Local government & public administration, Socio-economic policy<\/strong><\/strong><\/p>\n\n\n\n

    \n
    Expert profile<\/a><\/div>\n<\/div>\n<\/div>
    \"Raszkowski<\/figure><\/div>\n\n\n\n

    badania.uew.pl \u2013 supporting decisions that build responsible development.\u00a0<\/strong><\/p>\n\n\n

    Tagi:<\/strong> <\/span>Andrzej Raszkowski<\/a><\/div>\n\n\n

    Author of text: Justyna Morawska-P\u0142oskonka<\/strong><\/p>\n<\/div>\n<\/div>\n\n\n\n

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    \n

    See also<\/h2>\n\n\n\n\t\t\t
    \n\n\t\t\t\t\t\t\t\t\t\t\t\t
    \t\t\t\t\t\t\t\t
    \n\t\t\t\t\t\t\t\t\t\"Obrazek\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t

    \n\t\t\t\tSpace Logistics, Interplanetary Supply Chains and Interdisciplinary Research and Educational Projects Related to Space at UEW in Jelenia G\u00f3ra<\/a>\n\t\t\t<\/h3>\n\t\t\t\t\t\t
    \n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t
    \t\t\t\t\t\t\t\t
    \n\t\t\t\t\t\t\t\t\t\"Obrazek\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t

    \n\t\t\t\tWroc\u0142aw has FinTech potential. A WUEB expert argues it is time to turn that potential into advantage<\/a>\n\t\t\t<\/h3>\n\t\t\t\t\t\t
    \n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t
    \t\t\t\t\t\t\t\t
    \n\t\t\t\t\t\t\t\t\t\"Obrazek\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t

    \n\t\t\t\tAcademic Entrepreneurship as Architecture of Impact. The New Issue of \u201eImpakt Dolny \u015al\u0105sk\u201d (2\/2025)<\/a>\n\t\t\t<\/h3>\n\t\t\t\t\t\t
    \n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t
    \t\t\t\t\t\t\t\t
    \n\t\t\t\t\t\t\t\t\t\"po\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t

    \n\t\t\t\tHospital Nutrition Reform in Poland: Between Policy and Practice<\/a>\n\t\t\t<\/h3>\n\t\t\t\t\t\t
    \n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/div>\n\n\n\n
    \n
    \n

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    \n\t\t\t\t\t\t\t\t\t\"A\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t

    \n\t\t\t\tMajor technology investments in Poland\u00a0<\/a>\n\t\t\t<\/h3>\n\t\t\t\t\t\t
    \n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t
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    \n\t\t\t\tUEW included in the Times Higher Education Sustainability Impact Ratings 2026 for the first time\u00a0<\/a>\n\t\t\t<\/h3>\n\t\t\t\t\t\t
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    \n\t\t\t\t\t\t\t\t\t\"Week\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t

    \n\t\t\t\tWUEB Experts Weekly Review: Research, Projects and Academic Successes (22\u201328 June 2026)<\/a>\n\t\t\t<\/h3>\n\t\t\t\t\t\t
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    \n\t\t\t\tEU funds and the future of Lower Silesia\u00a0<\/a>\n\t\t\t<\/h3>\n\t\t\t\t\t\t
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    \n\t\t\t\tSpace Logistics, Interplanetary Supply Chains and Interdisciplinary Research and Educational Projects Related to Space at UEW in Jelenia G\u00f3ra<\/a>\n\t\t\t<\/h3>\n\t\t\t\t\t\t
    \n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t
    \t\t\t\t\t\t\t\t
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    \n\t\t\t\tWUEB in the Positive Impact Rating 2026: how the credibility of a business school is tested<\/a>\n\t\t\t<\/h3>\n\t\t\t\t\t\t
    \n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t
    \t\t\t\t\t\t\t\t
    \n\t\t\t\t\t\t\t\t\t\"Week\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t

    \n\t\t\t\tWUEB Experts Weekly Review: Research, Projects and Academic Successes (15\u201321 June 2026)<\/a>\n\t\t\t<\/h3>\n\t\t\t\t\t\t
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    \t\t\t\t\t\t\t\t
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    Dr hab. Andrzej Raszkowski, Prof. WUEB, co-author of the report […]<\/p>\n","protected":false},"author":3729,"featured_media":49095,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","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":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","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 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hab. Andrzej Raszkowski, Prof. WUEB, co-author of the report […]","publishpress_future_action":{"enabled":false,"date":"2026-07-02 19:45:03","action":"change-status","newStatus":"draft","terms":[],"taxonomy":"category","extraData":[]},"publishpress_future_workflow_manual_trigger":{"enabledWorkflows":[]},"_links":{"self":[{"href":"https:\/\/badania.uew.pl\/en\/wp-json\/wp\/v2\/posts\/49257","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/badania.uew.pl\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/badania.uew.pl\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/badania.uew.pl\/en\/wp-json\/wp\/v2\/users\/3729"}],"replies":[{"embeddable":true,"href":"https:\/\/badania.uew.pl\/en\/wp-json\/wp\/v2\/comments?post=49257"}],"version-history":[{"count":1,"href":"https:\/\/badania.uew.pl\/en\/wp-json\/wp\/v2\/posts\/49257\/revisions"}],"predecessor-version":[{"id":49260,"href":"https:\/\/badania.uew.pl\/en\/wp-json\/wp\/v2\/posts\/49257\/revisions\/49260"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/badania.uew.pl\/en\/wp-json\/wp\/v2\/media\/49095"}],"wp:attachment":[{"href":"https:\/\/badania.uew.pl\/en\/wp-json\/wp\/v2\/media?parent=49257"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/badania.uew.pl\/en\/wp-json\/wp\/v2\/categories?post=49257"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/badania.uew.pl\/en\/wp-json\/wp\/v2\/tags?post=49257"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}