Agnieszka Wójcik-Czerniawska, the PhD of Economics field- Management, MBA in Spanish- ICEX-CECO- Madrid, DBA (Doctor of Business Administration,), LL.D ( Doctor of Laws), DPH ( Doctor of Public Health). Visiting Professor at many foreign Universities in Europe (Italy, Spain, France) and World (Peru, Kenya, Turkey, Georgia). The area of research is connected with: modern finance, finance technology, digital currency, financial isolation, silver generation, circular economy, innovative marketing, society in digitalization world. The participant in many international conferences in all around the world including “World Finance Conference” in Torino 2022, Italy and “World Banking and Finance Symposium” at Florida International University in Miami, USA in December 2022. The keynote speak in world conferences in: Milan, Turkey, Republic of South Africa, Ireland, Bahrain. The polyglot with more than twelve languages.