
Leadership & Career
Krzysztof Pałuszyński — technology focused financial services executive
I am an accomplished technology and business leader with two decades of experience in financial services, helping build Poland's retail banking.
At mBank, I oversaw the development of three generations of internet banking and created the team responsible for mobile banking.
For more than a decade, I represented mBank on the Retail Banking Council of the Polish Bank Association, contributing to the bank's omnichannel strategy. I also represented the mBank Group for many years within QorusGlobal (formerly EFMA) and served as a juror for the Qorus Awards. Through this work, I actively fostered cooperation between financial institutions across Europe.
I combine strong executive leadership with deep technology expertise and a clear business mindset. I build digital capabilities and modern organizations that deliver measurable outcomes—faster time-to-market, higher quality, better customer experience, and stronger operational resilience. I thrive at the intersection of technology and business, translating strategy into execution and enabling teams to transform boldly, creatively, and responsibly.
Career Path
Professional Experience

2001-2023
Deputy Director of Omnichannel Banking

2023-2024
Deputy Director of Digital Relations Department
2024-2026
Director of Technology and Information Systems Department
Joining the mBank team
First Digital Bank in Poland
Deputy Director of Business Development Department
Multichannel Strategy
Deputy Director of Digital Channels Department
New Generation Online Banking (feedback, personalization, sales placeholders, beta version)
Deputy Director of Omnichannel Banking
Building Omnichannel Customer Data Platform, Building Artificial Intelligence with real-time data orchestration
Professional Agile Leadership
Evidence-Based Management (PAL-EBM/PAL I)
Joining Polkomtel & Grupa Polsat Plus
Digital Channels & Omnichannel Strategy
International Certified Coach (ICC)
InnerMastering Institute
Joining PKO Leasing
Director of the Product and Process Department
PKO Leasing New Strategy 2025-2027
Director of Technology and Information Systems Department
INNOVATIONS
mBank Breakthroughs
First Mobile Top-Ups in Poland
mBank became the first bank in Poland to enable prepaid mobile top-ups directly within its transactional banking system. Delivered in partnership with Blue Media, this innovation allowed customers to recharge their phones instantly from their bank account—bringing everyday digital convenience into online banking years ahead of the market.
mTransfer — Poland’s First Pay-By-Link Payment Model
I designed the concept and business model for Poland’s first Pay-By-Link payment solution, which I named mTransfer and which was launched by mBank in 2005. Inspired by early online payment innovations such as PayPal, mTransfer enabled fast, bank-to-bank e-commerce payments and quickly became the leading online payment method in Poland. It also set a benchmark that was later replicated by other banks across the market.
Early mBank Mobile Banking Apps
Together with mBank team, I defined the first concept and delivery assumptions for one of mBank’s first mobile banking applications. The initial “Lite” version was built in Java (J2ME) for feature phones and provided core capabilities such as balance checks and transaction history. Later, early Android and iOS apps introduced simplified mobile services, helping establish mobile banking as a mainstream channel.The solution was developed in collaboration with Mobiltek (Kraków).
UniWniosek — No-Code / Low-Code Forms Platform for mBank
I defined the concept and implementation assumptions for UniWniosek, a platform that enabled mBank to design, build, and deploy forms and applications in a no-code / low-code model. This significantly accelerated delivery by allowing business teams to launch new forms without developer involvement, supporting both authenticated customers and non-logged-in prospects. The solution was developed and delivered in partnership with Intercon (now QRS.eu).
mBank 2.0 — Redefining Mobile Banking in Poland
As part of the “New mBank” program, I co-developed the concept and rollout of mBank 2.0, introducing a completely new mobile customer experience. Available on Android, iOS, and Windows Phone, the app delivered a modern interface and major usability improvements, quickly becoming one of Poland’s most popular financial applications. The solution was created in partnership with Efigence and Accenture.
mBank ReDesign — Making Digital Banking Simpler, More Personal, and Accessible
As the project leader of the mBank ReDesign initiative, I drove the evolution of the transactional platform toward what was internally referred to as mBank 3.0, with a strong focus on usability, personalization, and WCAG accessibility. Key improvements included a redesigned dashboard and transaction history—replacing the “finance bar” with a clearer account view, quick transfers, and a condensed, more actionable history. Rather than a single “big-bang” release, the experience was delivered through continuous UX-driven iterations that made everyday banking easier for all users.
mBank x Synerise — Real-Time 360° Customer Intelligence & Hyper-Personalization
By integrating customer data from multiple touchpoints into a single, real-time platform, mBank enabled truly omnichannel personalization across web, online banking, mobile, forms, and the contact center. The initiative shortened time-to-market for new use cases from ~3 months to as little as 1 week and scaled from ~1.5M events/day initially to ~70M events/day by April 2023. The data-driven approach delivered measurable business impact, including a 60% increase in generated leads and ~120,000 personalized cash-loan offers in 2022.
Case Study
Synerise & mBank
Hyper Personalisation & Customer Data Platform in 3 countries, all digital channels.
Read full case studyCase Study
mBank Platform EU Expansion
Expanding mBank's innovative banking platform across European Union markets.
Read full case study