Piotr ¿asak is Associate Professor at the Institute of Economics, Finance and Management, Jagiellonian University in Krakow, Poland.

Jonathan Williams is Professor of Banking and Finance in the Department of Finance and Accounting and Centre for Sustainable and Explainable FinTech at Surrey Business School.

1. Introduction (Piotr ¿asak, Jonathan Williams) 2. The Redesign of the Internal Governance of Financial Institutions in Times of Artificial Intelligence: New Challenges, New Approaches, Old Issues (Michä Nowakowski) 3. From Digital Technologies to New Economics in Banking: How to Drive the Future of Digital Money and Data Information Knowledge (Anna Omarini) 4. Banking-as-a-Service and Embedded Banking as Innovative Methods of Providing Banking Services (Krzysztof Waliszewski) 5. Financial Inclusion: Is Financial Technology the Solution? (Danilo Abis, Patrizia Pia) 6. Ethical FinTech. The Importance of Ethics in Creating Secure Financial Products and Services (Michä Nowakowski) 7. Gender Disparity in the FinTech Sector: Systematic Literature Review (B¿äej Prusak, ¿ukasz Wac¿awek) 8. FinTech and Sustainability: Does FinTech Firms' SDG-orientation Play a Role in the Bank-FinTech Relationship? (Stefano Cosma, Daniela Pennetta) 9. FinTech and ESG: A Happy Union? (Timothy King) 10. Sustainability, Public Security, and Privacy Concerns regarding Central Bank Digital Currency (CBDC) (Robert Rybski) 11. Electronic Money Institution as an Example of FinTech Sector Regulation: The Case of Poland (Grzegorz Kuca, Pawe¿ Woroniecki) 12. Legal Guarantees of Access to a Payment Account - Analysis from the Perspective of the Account Information Service Provider (Jan Byrski, Michä Synowiec) 13. The Role of Blockchain Governance in Banks' Transformation Toward Ecosystem-based Banking (Piotr ¿asak)