Agata Gemzik-Salwach is a professor in the Department of Finance, Banking and Accountancy at the Rzeszów University of Technology in Poland. Her research has focused on finance and banking. In 2018, she became the manager of a financial grant from the National Science Center in the field of finance. In 2024, her monograph entitled The Role of Financialisation in the Functioning of the Economy was honoured with the President of the National Bank of Poland Award for outstanding publications. She has authored many expert opinions on financing and the preparation of reports for public institutions and enterprises.

• Introduction 1. BASEL III and EU Regulations Increasing the Resilience of Banks to Shocks – Selected Aspects of the Implementation of the Crd/Crr Packages Katarzyna Kurzępa-Dedo 2. Those ‘Gaps’ in Capital Market ProvisionJan Toporowski 3. Banking Reforms in Underdeveloped Capitals Markets: The Mexican Banking System in the Era of GlobalisationNoemi Levy Orlik, Humberto Jiménez Flores and Christian Domínguez Blancas 4. Sustainable Finance: Challenges and Opportunities for Banks Agata Gemzik-Salwach 5. Moral Hazard of Financial Institution Krzysztof Opolski and Agata Gemzik-Salwach 6. Digital Transformation of the Banking Sector Tatiana Nikitina and Maria Skalaban 7. Digitalisation of Money – Consequences for Banking and Monetary Systems Paweł Marszałek Index

Agata Gemzik-Salwach is a professor in the Department of Finance, Banking and Accountancy at the Rzeszów University of Technology in Poland. Her research has focused on finance and banking. In 2018, she became the manager of a financial grant from the National Science Center in the field of finance. In 2024, her monograph entitled The Role of Financialisation in the Functioning of the Economy was honoured with the President of the National Bank of Poland Award for outstanding publications. She has authored many expert opinions on financing and the preparation of reports for public institutions and enterprises.

• Introduction 1. BASEL III and EU Regulations Increasing the Resilience of Banks to Shocks – Selected Aspects of the Implementation of the Crd/Crr Packages Katarzyna Kurzępa-Dedo 2. Those ‘Gaps’ in Capital Market ProvisionJan Toporowski 3. Banking Reforms in Underdeveloped Capitals Markets: The Mexican Banking System in the Era of GlobalisationNoemi Levy Orlik, Humberto Jiménez Flores and Christian Domínguez Blancas 4. Sustainable Finance: Challenges and Opportunities for Banks Agata Gemzik-Salwach 5. Moral Hazard of Financial Institution Krzysztof Opolski and Agata Gemzik-Salwach 6. Digital Transformation of the Banking Sector Tatiana Nikitina and Maria Skalaban 7. Digitalisation of Money – Consequences for Banking and Monetary Systems Paweł Marszałek Index

Agata Gemzik-Salwach is a professor in the Department of Finance, Banking and Accountancy at the Rzeszów University of Technology in Poland. Her research has focused on finance and banking. In 2018, she became the manager of a financial grant from the National Science Center in the field of finance. In 2024, her monograph entitled The Role of Financialisation in the Functioning of the Economy was honoured with the President of the National Bank of Poland Award for outstanding publications. She has authored many expert opinions on financing and the preparation of reports for public institutions and enterprises.

• Introduction 1. BASEL III and EU Regulations Increasing the Resilience of Banks to Shocks – Selected Aspects of the Implementation of the Crd/Crr Packages Katarzyna Kurzępa-Dedo 2. Those ‘Gaps’ in Capital Market ProvisionJan Toporowski 3. Banking Reforms in Underdeveloped Capitals Markets: The Mexican Banking System in the Era of GlobalisationNoemi Levy Orlik, Humberto Jiménez Flores and Christian Domínguez Blancas 4. Sustainable Finance: Challenges and Opportunities for Banks Agata Gemzik-Salwach 5. Moral Hazard of Financial Institution Krzysztof Opolski and Agata Gemzik-Salwach 6. Digital Transformation of the Banking Sector Tatiana Nikitina and Maria Skalaban 7. Digitalisation of Money – Consequences for Banking and Monetary Systems Paweł Marszałek Index