Michał Niwiński

Michał Niwiński is an experienced professional in the financial services sector, currently serving as the Cards Europe UX Domain Regional Leader at Banco Santander since July 2021 and holding multiple leadership roles at Santander Bank Polska since November 2019, including Credit and Debit Cards Head and Payments Strategy Chapter Leader. Michał has previously worked in various capacities at notable firms such as Bank Gospodarstwa Krajowego, Visa, MasterCard, and Citigroup, where responsibilities ranged from project management and strategy development to product management and marketing. With advanced degrees in Economics, Finance, Banking, and Law from prestigious institutions, Michał has a strong educational foundation complemented by a diverse professional background in banking, payments, and customer experience management.