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dr Krzysztof Korus
Warsaw Office
Ogrodowa City Gate
ul. Ogrodowa 58
00-876 Warsaw
tel. +48 22 652 26 18 

Cracow Office
ul. Królowej Jadwigi 237
30-218 Cracow
tel. +48 12 410 07 47
Dr. Krzysztof Korus is an attorney at law, doctor of laws and economist, lecturer on public business law at the Foreign Legal Systems School Coordination Centre at the Jagiellonian University (Ośrodek Koordynacyjny Szkół Praw Obcych przy Uniwersytecie Jagiellońskim), works with the Polish-German Centre for Banking Law at the Jagiellonian University (Polsko - Niemieckiego Centrum Prawa Bankowego Uniwersytetu Jagiellońskiego), is an associate member of the European Payments Consulting Association in Frankfurt, a member of the programming board at the monthly publication “Banking Law Monitor” (Monitor Prawa Bankowego), and a member of the working group of the Financial Market Development Council at the Polish Ministry of Finance, dealing with implementation of Directive 2007/64/EC. He has worked for renowned law firms in an of counsel capacity. Legal expert of the Polish Organization of non-bank Payment Institutions (PONIP). His specialist practice focus is commercial law. He has authored several dozen publications and legal analyses on legal issues relating to electronic payment instruments, and is invited to speak at numerous conferences and seminars relating to this issue (in the Polish, English and German languages)..
Dr. Krzysztof Korus heads the Firm’s financial institutions and services practice group and competition practice group, and oversees the Firm’s overall commercial law practice.
Dr. Krzysztof Korus is an Associate Member of the European Payments Consulting Association (EPCA). The EPCA is an affiliation of European organizations specializing in professional consultancy on issues relating to payment services for providers of financial services. The goal of the EPCA is to provide a platform for exchange of know-how regarding payment services on the European market and to offer firms providing payment services on the European market a comprehensive range of advice on services of this kind.
The members of the EPCA are:
PaySyS Consultancy GmbH (Germany);
Innopay BV (Netherlands);
Galitt (France);
PlusCON Aps (Denmark);
PSE Consulting Ltd. (United Kingdom);
eBit Ltd (Hungary)
CleverAdvice (Italy)
Qualitekna (Italy)
dLK Prudentiz (Poland).
  1. „Read/write: the service”, „The EU iTunes Moment”, PSD-2-GO, dLK class for FinTech professionals, Warsaw, December 2017.
  2. „Insurtech, factoring, leasing: fan club of the EU open banking regulations”, Impact Fintech ’17, Katowice, grudzień 2017.
  3. „The PSD2 i and its implementation– new challenges for banks and TPP’s”, Directive PSD II Customer data security in relations between banks and TPP’s, MMConferences S.A, November 2017.
  4. „Alexa, I’m paying! Who comes first and how many man-days till compliance?”, Payment Meeting, Warsaw, November 2017.
  5. „The contribution of regulations in supporting cashless trade – summary and prospects”, Cashless Poland Forum, Warsaw, October 2017.
  6. Warsaw International Banking Summit – speaker in the discussion panel “PSD2 influence on the Polish financial sector. A revolution in banks - fintechs relation or something else?”, Warsaw, October 2017
  7. „PSD 2 - moving the goalposts for banks and fintechs”, Puls Biznesu, Warsaw, September 2017
  8. “Strategy Roundtable: How PSD2 overlaps with other regulatory initiatives. What do the dependencies & interrelations mean for business?”, FinTech and the Future of Payments Forum, London, September 2017
  9. „Data Portability. Does Fintech need more and how much will get from Reg?”, Market standards – already present or still not developped? Are they really needed?”, Fintech Digital Congress, MMC, Warsaw, May 2017
  10. “PSD2 Directive”, internal  training for a banking sector entity, Warsaw, May 2017.
  11. “Payment accounts with basic features with bank and Saving and Credit Union”, Rachunki podstawowe i schematy płatnicze w świetle najnowszych regulacji, Warsaw, May 2017
  12. “Blockchain - Forum IT i nowych technologii, moderator of panel discussion, Puls Biznesu, Warsaw, May 2017
  13. “Obligations of banks resulting from PSD2”, internal  training for a banking sector entity, Warsaw, April 2017
  14. „Data portability – payment accounts, collections of personal data, what’s next?”, “The concept of financial data portability in EU regulations and current state”, “Realisation of regulatory financial data portability in Poland – the implementation of PSD2, GDPR”, “Initiatives outside the EU”, IV Konferencja Payment Meeting, Warsaw, April 2017
  15. „Effects of the implementation of PSD2 on cooperative banking”, Banki w erze nowych technologii. Jak wykorzystać nową rzeczywistość w bankowości spółdzielczej, KZBS i Asseco, Warsaw, April 2017.
  16. „Fintech nations – will Poland join them?”, discussion, moderator, Inauguracja raportu Ekspertki w FinTech, Znane Ekspertki, Warsaw, March 2017.
  17. “Key challenges resulting from the implementation of PSD2”, internal  training for a banking sector entity, Warsaw, January 2017.
  18. „PSD2/AMLD4+blockchain+sandbox = Router WiFi/Kamera IP with IBAN without KYC. What else can the race between regulation and technology bring?”, IX Konferencja Central European Electronic Card - Warsaw 2016.
  19. „Regulatory Sandbox – experiences of other states and conclusions for Poland”, Regulatory Sandbox jako element budowy Regionalnego Centrum Innowacji Finansowej w Polsce (FinTech Hub), FinTech Poland, Warsaw, December 2016.
  20. „Dedicated regulatory environment for innovative financial services”, Waluty cyfrowe - problemy definicyjne i regulacyjne, Wydział Prawa i Administracji UMK, Toruń, grudzień 2016.
  21. „Bank on PSD2 chessboard: actors, standards, technologies, time. From regulations to business decisions.”, KIR - Forum Płatności i Rozliczeń: PSD2 - szanse i wyzwania dla sektora bankowego, Warsaw, November 2016.
  22. „Fintech today and tomorrow: success despite or thanks to regulations?”, Fintech Digital Congress, MM Conferences S.A, Warsaw, November 2016
  23. „PSD2: accelerator or brake for mobile payments”, Payment Meeting Let’s Mobile!, PAYMENT MEETING, Warsaw, November 2016.
  24. „Digging Deep Session: The EBA Technical Standards For PSD 2 – How Will PSD II Work In Practice? Which Market Segments Will Be Looking For Direct Access To Accounts? What Needs To Be Agreed Between The Account Servicing Banks & The Providers Of Payment Initiation Services?”, The Payments International 2016, London, November 2016
  25. „Mobile payments and current regulations”, „PSD 2 & RTS EBA: what we know?”, “Future of screen scraping and API on the Internet of Things”, “Human2Machine > Machine2Machine on the Internet: screen scraping and API”, Payment Meeting, Warsaw, November 2016.
  26. „Obligations of banks resulting from PSD2”, internal training for a banking sector entity”, Warsaw, October 2016.
  27. „PSD2”, internal training for a banking sector entity, Warsaw, October 2017.
  28. „Law for Fintech – acceleration, regulation or bureaucracy?”, European Fintech Forum, Związek Firm Pożyczkowych, Warsaw, October 2016.
  29. „Evolution of e-commerce and m-commerce as sectors and growth of modern payment systems in those sectors – chances, threats, regulations”, “Poland as a regional innovative hub for innovative financial services”, Warsaw International Banking Summit, MM Conferences S.A, Warsaw, October 2016.
  30. „Blockchain in financial institutions – situation in Poland and in the world, possible benefits”, public consultations in the Sejm: Pieniądz cyfrowy i technologie rozproszonych rejestrów – teraźniejszość i wyzwania, Warsaw, October 2016.
  31. „Telecommunications undertaking as an insourcer of payment services provider”, „ Issues of PSD2 in telecommunication industry – introduction”, Problematyka Usług Płatniczych w branży telekomunikacyjnej, MM Conferences S.A, Warsaw, September 2016.
  32. „Payment cards complaints with respect to payment organisations’ regulations and the Act on Complaints Handling”, Praktyczny wymiar zarządzania reklamacjami na rynku finansowym, MM Conferences S.A, Warsaw, September 2016.
  33. „EBA’s mandate and financial institutions’ accountability for the compliance with competent authorities’ recommendations”, Zarządzanie i nadzór nad produktem w IF świetle nowych regulacji, MM Conferences S.A, Warsaw, September 2016.
  34. „Payment card transactions complaints”, Reklamacje na rynku finansowym, MM Conferences S.A, Warsaw, September 2016.
  35. „Opportunity for development or cumbersome duties? PSD2 from banking perspective”, II Edycja Banking Profitability Forum, Warsaw, April 2016.
  36. „Amendment to the Act on Payment Services and PSD2”, Instytut Szkoleń Prawa Bankowego, Warszawa, April 2016.
  37. „What fosters the non-cash transactions?” , NO CASH DAY™: Obrót bezgotówkowy w Polsce– gdzie jesteśmy, dokąd zmierzamy?, Medien Service, Warsaw, April 2016.
  38. „Overview of payments developments from CEE perspective”, European Association of Payment Service Providers for Merchants (EPSM), Bratislava, March 2016.
  39. „Payment services market in the respect of regulatory changes – PSD2”, MM Conferences S.A, Warsaw, February 2016.
  40. „Banking and paying on small screen: what regulators, providers and users should know”, Payment Meeting, Warsaw, November 2015.
  41. „Payment Services Directive (PSD II) and Third Party Providers (TPP)”, EUFINtrack, Warsaw, November 2015
  42. „Do we get a rainbow after rain - managing expectations EU regulatory storm and the payment industry”, Payments Card Conference Riga 2015, Vedicard i CAC Academy, Riga, November 2015.
  43. „Security of electronic payments in PSD2”, Bezpieczeństwo płatności elektronicznych w świetle najnowszych zmian prawnych, , MM Conferences S.A, Warsaw, November 2015.
  44. „Standards of compliant handling procedures in current regulations”, Zarządzanie reklamacjami na rynku finansowym w świetle planowanych zmian prawnych, MM Conferences S.A, Warsaw, September 2015.
  45. „PSD2 – newest changes looming on the horizon”, PSD – najnowsze zmiany i praktyka funkcjonowania, ProAbility, Warsaw, September 2015.
  46. „Payment services market in the context of regulatory changes – PSD2”, Rozwój rynku usług płatniczych – nowe wyzwania i obowiązki, MM Conferences S.A, Warsaw, June 2015.
  47. „Accountability of financial institutions for security breaches in mobile banking systems”, XXVII Forum Bankowości Elektronicznej. Bezpieczeństwo bankowości mobilnej, potencjał technologii mobilnej w bankowości, Centrum Promocji Informatyki, Warsaw, June 2015.
  48. „New competition rules on the payment cards market in the light of the regulation on interchange fees”, Nowości płatnicze, czyli co nas czeka wkrótce, Medien Service, Warsaw, June 2015.
  49. „Consumer rights in payment services contracts”, „Bank-consumer relations on the Internet”, Podsumowanie funkcjonowania prawa konsumenckiego w bankach, MM Conferences S.A, Warsaw, May 2015.
  50. „Second Payment Services Directive – PSD2”, „Third Party Providers in PSD2 Directive”, „Banking account in the light of PAD”, „Payment Accounts Directive”, PAD and PSD II, Instytut Szkoleń Prawa Bankowego, Warsaw, April 2015.
  51. „Technological neutrality in payment regulations in  practice”, Konferencja Payment Meeting, Warsaw, April 2015.
  52. „Mobile Innovation In Poland”, PAYMENTS INTERNATIONAL 2015, London, March 2015.
  53. „Payment Accounts Directive and competition between account providers”, VI FORUM INFORMATYKI W BANKOWOŚCI SPÓŁDZIELCZEJ. Uwarunkowania efektywności i bezpieczeństwa IT w bankowości spółdzielczej w świetle najnowszych rekomendacji i dyrektyw, Centrum Promocji Informatyki, Warsaw, March 2015.
  54. „Distant payments -  what is and what should be in the Court’ case-law?, IV seminarium Najnowsze Orzecznictwo Sądowe w Zakresie Prawa Nowych Technologii Komunikacyjnych, Centrum Promocji Informatyki, Warsaw, March 2015.
  55. „Access to the Account: vision-scenarios-expectations-cases”, 14th EPCA Payment Summit 2015, Brussels, March 2015.
  56. „Second Payment Services Directive (PSD2)”, Forum Bankowości Elektronicznej: Rozwój funkcjonalności mobilnych w usługach bankowych i finansowych, Centrum Promocji Informatyki, Warsaw, February 2015.
  57. „Virtual Currencies – How Are Regulators”, Managing Challenges & Change, European Payments Regulation, London, December 2014.
  58. „Payments written by regulations 2015-2020”, Central European Electronic Card, Medien Service, Warsaw, November 2014.
  59. „Sharing login data with third parties”, Bezpieczeństwo bankowości elektronicznej – praktyka przeciwdziałania nadużyciom i oszustwom, MM Conferences S.A, Warsaw, October 2014.
  60. „Legal and economic aspects of PAD”, „New Payment Services Directive (PSD2)”. Najnowsze zmiany w zakresie funkcjonowania i rozwoju rynku usług płatniczych, MM Conferences S.A, Warsaw, October 2014.
  61. „E-mail transaction confirmation instead of a printout. Legal boundaries of new mPOS capabilities”, Rynek akceptacji kart w Polsce – czas na mPOSy, Medien Service, Warsaw, October 2014.
  62. „Digital contect in the new Act on Consumer Rights”, Nowe Prawo Konsumenckie - Najważniejsze zmiany dotyczące obowiązków sprzedawcy, e-handlu, reklamacji i umów zawieranych na odległość, Nowoczesna Firma, Warsaw, June 2014.
  63. „How to discharge informational obligations towards the customer?”, Praktyk Prawa Konsumenckiego w Bankowości, MM Conferences S.A, Warsaw, June 2014.
  64. „Act on Payment Services”, „Introduction of the basic account according to the rules set by the EU authorities”, Wybrane problemy prawne wynikające ze zmian w ustawodawstwie, istotne dla systemu bankowego, Narodowy Bank Polski, Warsaw, June 2014.
  65. „Agreements on acquiring mobile payments”,Płatności mobilne 2014, Centrum Prawa Bankowego i Informacji, Warsaw, May 2014.
  66. „Second PSD Directive”, „Draft on Payment Accounts Directive”, Rozwój Rynku Usług Płatniczych – Nowe Obowiązki, Wyzwania i Możliwości, MM Conferences S.A, Warsaw, May 2014.
  67. ”Internet vs. Mobile banking – legal aspects of changing access channel”, XXXIV edycja Forum Bankowości Elektronicznej. Technologie IT w bankowości mobilnej. Bank w smartfonie i tablecie, płatności w aplikacji, Centrum promocji Informatyki, Warsaw, April 2014.
  68. „Surveillance of the Office of Electronic Communications and Financial Supervision Authority over international projects”, Workshop, Warsaw, April 2014.
  69. „Draft on new Payment Services Directive (PSD2)”, “ SEPA Regulation End-Date (260/2012)”, Aktualne zmiany w prawie usług płatniczych, Instytut Szkoleń Prawa Bankowego, Warsaw, April 2014.
  70. „Regulatory navigation: practical methods for the shortest course forward without hitting a mine.”, “Regulation on payment market: regulatory visions and their realisation – current and upcoming state”, Regulacje prawne – istotny gracz na rynku nowoczesnych płatności z cyklu Polskie karty i systemy, Medien Service, Warsaw, March 2014.
  71. „Ban on rejection of connecting microinstalation”, Ekspert stosowania prawa konsumenckiego w energetyce, MM Conferences S.A, Warsaw, February 2014.
  72. „Outsourcing agreement in banking”, Ekspert Zarządzania Outsourcingiem Bankowym – Prawo, Organizacja i Kontrola Czynności Powierzonych, MM Conferences S.A, Warsaw, December 2013.
  73. „Distance contracts – newest changes and current issues”, Prawo konsumenckie w branży energetycznej w świetle najnowszych zmian i istniejących problemów, MM Conferences S.A, Warsaw, October 2013.
  74. „New Payment Services Directive – PSD”, „Electronic Money”, „Resolution SEPA End-Date (260/2012)”, Zmiany w prawie usług płatnych, Instytut Szkoleń Prawa Bankowego, Warsaw, October 2013.
  75. Expert in panel discussion, leading theme: E-economy, Europejski Kongres Małych i średnich Przedsiębiorstw, Katowice, September 2013.
  76. „Draft on Payment Account Directive”, “SEPA Regulation End-Date (260/2012)”, Nowe Uregulowania Prawne Rynku Usług Płatniczych, MM Conferences S.A, Warsaw, September 2013.
  77. „Second PSD Directive and other related EC initiatives”, Nowe Uregulowania Prawne Rynku Usług Płatniczych, MM Conferences S.A, Warszawa, June 2013.
  78. „Increased duties and responsibilities of entrepreneur according  to the new Consumer Directive”, Prawo Konsumenckie w świetle najnowszych zmian i istniejących problemów, MM Conferences S.A, Warsaw, May 2013.
  79. „Mass payments: law on the right side”, Mass Payments, GigaCon, Warsaw, March 2013.
  80. „Future of payment market from international perspective” – panel discussion, Warsaw International Banking Summit, MM Conferences S.A, Warsaw, October 2012.
  81. „Third party access to payment account”, “PSD II”, Usługi płatnicze: bieżące i nadchodzące wyzwania regulacyjne, MM Conferences S.A, Warsaw, September 2012.
  82. „Act on Payment Services – interpretative dilemmas. Amendment of the Act of Payment Services in the light of upcoming changes in PSD and EMD II Directives”, Ustawa o Usługach Płatniczych. Problemy interpretacyjne i nowelizacja, Warsaw, June 2012.
  83. „Banking oursourcing: risk management in banking institutions”, MM Conferences S.A, Warsaw, June 2012.
  84. „Act on Payment Services. Practical aspects of implementation”, Instrumenty Płatnicze, Instytut Szkoleń Prawa Bankowego, Warsaw, February 2012.
  85. „Mobile payments: law on the right side”, Workshops – mobile and contactless payments, Warsaw, September 2011.
  86. „Offering consumer credit along with payment service”, Nowa Ustawa w sprawie Kredytu Konsumenckiego, MM Conferences S.A, Warsaw, June 2010.
  87. „Optimal implementation of key changes resulting from PSD in relations with users”, “Models of entering payment market by non-banking entities”, moderator of panel fiscussion:  Experiences from the implementation of PSD in EU member, PSD – first experiences of European countries, MM Conferences S.A, Warsaw, March 2010.
  88. PSD & EMD II Workshops, 9th international EPCA conference, Paris, March 2010.
  89. „Requirements concerning payment service contract and informational duties”, “Rules for the execution of payment services”, “Payment instruments”, Seminarium Prawa Bankowego, Instytut Szkoleń Prawa Bankowego, Warsaw, February 2010.
  90. „ATM market in PL recent developments”, 3rd Annual Card Acquiring Summit: Customers, Choices, Crossroads, Vienna, February 2010.
  91. „Payment instruments in PSD Directive and responsibility for unauthorized payment transactions”, “Frame contract and informational duties in the light of 2007/64 Directive”, Umowa rachunku bankowego oraz praktyczne zagadnienia związane z wdrożeniem dyrektywy PSD, Instytut Szkoleń Prawa Bankowego, Warsaw, February 2010.
  92. „Act on payment services. Practical aspects of implementation”, Wykonywanie usług płatniczych, Instytut Szkoleń Prawa Bankowego, Warsaw, February 2010.
  93. „Payment institutions: better choice to merchants?”, Forum 2010, European Card Aquiring, Berlin, January 2010.
  94. „Electronic banking”, moderator of panel discussion, Konferencja Central European Electronic Card Warsaw 2009, Medien Service, Warsaw, December 2009.
  95. „PSD Directive – the newest regulations on traditional banking”, II edycja Banking Management Forum, Warszawa, October 2009.
  96. “Cash pooling”: “SEPA & PSD: New opportunities for cash management optimalisation”, Informedia Poland, Warsaw, November 2008.
  97. „PSD Directive” – workshop, internal trainng for a banking sector entity, Cracow, September 2008.
  98. „PSD Directive: promoter and reviewer of SEPA. New possibilities, costs, competitors”, Banking Top Management Forum 2008 – Spotkanie Elit, Warsaw, September 2008.
  99. „Legal aspects of e-commerce”, Mobilne płatności w Polsce, Institute for International Research, Warsaw, June 2008.
  100. „Legal and interpretational nuances in EU and Polish legislation”, Pieniądz elektroniczny – jak wykorzystać go w Polsce?, Medienservice, Warsaw, June 2008.
  101. „Provision of SEPA payment services – regulatory determinants of new standards”, SEPA Etap I, Informedia Poland, Warszawa, June 2008.
  102. Future legal framework of transaction banking in light of PSD “Payment transactions by means of payment instruments in Directive 2007/64/EC”, European Doctoral College, Cracow, May 2008.
  103. PSD Directive – workshops, internal training for a banking industry entity, Cracow, January 2008.
  104. „PSD Directive. Impact on universal bank activities.”, internal training for a banking industry entity, Katowice, January 2008.
  105. „Payment services today. Current legal  conditions of the provision of payment services.”, “PSD Directive – relationship between payment services provider and client”, “Mobile payments before and after the implementation of PSD.”, Pre-paid instruments before and after the implementation of PSD.”, “Micropayments before and after the implementation of PSD”, Rynek usług płatniczych w Polsce i Europie, Informedia Poland, Warsaw, December 2007.
  106. „Der polnische Zahlungmarkt und die Interchange Problematik. Aktueller Stand, Entscheidung der Kartellbehörde und Ausblick”, Payment World 2007, Wiesbaden, November 2007.
  107. „New trends in electronic payment instruments”, „Responsibility for unauthorized use of electronic payment instruments in distance transactions”, “Regulation of relationship between issuer, holder, merchant and acquirer in the draft of PSD Directive”,  19 Forum Prawa Bankowego, Warsaw, April 2007.
  108. „Pros and cons of various payment modalities in electronic services”, Świadczenie usług drogą elektroniczną, Software – Konferencje, Warsaw, January 2007.
  109. „ Limitations in contract freedom – corporate banking.”  13th Electronic Banking Forum, Warsaw, December 2006.
  110. „Methods of client identification in electronic banking – legal risk”, Internet Banking Security, Mikołajki, August 2006.
  111. „EDI and digital signature in light of electronic commerce law”, Bezpieczeństwo systemów teleinformatycznych i elektroniczna wymiana dokumentów”, Presscom sp. z o.o., Warsaw, November 2005.
  112. „Haftung für Missbrauch elektronischer Zahlungsinstrumenten”, Deutsche Forschungsgemeinschaft – Berichtkolloqium des Europäischen Graduiertenkollegs, Heidelberg, November 2005.
  113. „Creating infrastructure for payments in local communities, EMV,RFID”, 5th Forum of IT in Administration, CPI  sp. z o.o., October 2005.
  114. „Electronic Banking”, New insitutions in banking law after 1 May 2004,Centrum Prawa Bankowego UJ z Polskimi Wydawnictwami Profesjonalnymi Sp. zoo., Warsaw, June 2004.
  115. „Haftung für Missbrauch elektronischer Zahlungsinstrumenten”, Sachstandstagung des Europäischen Graduiertenkollegs, Kraków, November 2003.
  116. „Creating law with participation of concerned communities on the example of the Act on electronic payment instruments”, Tworzenie prawa w państwie demokratycznym, Centrum Prawa Bankowego UJ z Wyższą Szkołą Umiejętności w Kielcach, Kielce, June 2003.
  117. „Zusammenspiel der roemischen Konzeption der Eigentumsuebergang mit deutsch – romanischen Konzeption im geltenden polnischen recht“, Deutsch-polnisches Kolloquium „Eigentum in Europa“ mit Universität zu Köln, Seminar fuer Staatsphilosophie und Rechtspolitik, Kolonia, November 2002.
  1. Services based on access to the payment account under the PSD II directive, Monitor Prawa Bankowego 2017, 7-8 (80-81).
  2. Concept of payment service in the Act on Payment Services, Monitor Prawa Bankowego 2012, 7-8, p. 29-42.
  3. Study on the Impact of the Payment Services Directive on Payment Services in the Internal Market for the European Commission and Principles, Definitions and Model Rules of European Private Law: Draft Common Frame of Reference (DCFR), Volume 4 (2009).
  4. Invoices in electronical form. Legal issues., co-author, Monitor Prawniczy 2007, nr 22 [dodatek Prawo Mediów Elektronicznych, nr 7, p. 43-55].
  5. Real estate agency services contracts clauses in real estate circulation, co-author, LexisNexis 2006 (monograph).
  6. Receivables trade agreement clauses, I. Karasek [red.], co-author, LexisNexis 2006 (monograph).
  7. Cash back services, Prawo Bankowe, 2006/6/69.
  8. Prepaid payment cards – basic issues., Prawo Bankowe 2006, 10, p. 67.
  9. Legal risk in micropayments, Prawo teleinformatyczne 2/2006
  10. Copyrights and related rights. Commentary on the amendment introduced by the Act of 23 March 2006 on the changes in the Act on Copyrights and Related Rights, LEX/el. 2006.
  11. Identification in electronic banking., Prawo Bankowe 2005, 2, p. 58.
  12. Declaration by electronic means in banking activities and written form of legal actions., Prawo Bankowe 2005/5/28.
  13. Banking Law. Commentary. Volumes I and II, F.Zoll [red.], co-author, Zakamycze 2005.
  14. E-commerce Law, co-author, Branta, Cracow-Bydgoszcz 2005.
  15. Law on cooperatives. Commentary on the amendments introduced by the Act of 3 June 2005 on the changes in the Act on Housing Cooperatives and certain other acts, LEX/el. 2005.
  16. Competition and consumers protection. Commentary, LEX/el. 2005.
  17. Civil procedural code. Commentary on the amendment introduced by the Act of 2 July 2004 on the amendment of the Civil Procedural Code and certain other acts and the Act of 22 December 2004 on the amendment of the Civil Procedural Code and the Law on the Common Court System, LEX/el. 2003.
  18. Civil procedural code. Commentary on the amendment introduced by the Act of 22 December 2004 on the amendment of the Civil Procedural Code and the Law on the Common Court System, LEX/el. 2003.
  19. Banking account contract on cross-border transfers clauses and cross-border transfer agreements clauses with commentary, PWP, 2004.
  20. Electronic money instrument agreement clauses with commentary, PWP, August 2004.
  21. Commentary on the Regulation (EC) No 2560/2001 of the European Parliament and of the Council of 19 December 2001 on cross-border payments in euro, LEX, 2004.
  22. Commentary on the amendment of Banking Law, articles on cross-border money transfers (art. 63 of the Banking Law), LEX, 2004.
  23. Saving and settlement account agreements clauses with commenrary, co-author, PWP, 2003.
  24. Payment card agreement clauses with commentary, PWP, 2003.
  25. Electronic banking contract clauses with commentary, PWP, 2003.
  26. Legal character of electronic payment instrument transaction confirmation. Prawo Bankowe 2003, 12, p. 47.
  27. Civil code. Commentary on the changes introduced by the Act of 14 February 2003 on the amendment of the Civil Code and certain other acts, co-author, LEX/el. 2003.
  28. Protection of certain electronically rendered services based on conditional access. Komentarz, LEX/el. 2002.
  29. Combating unfair competition. Commentary on the changes introduced by the Act of 5 July 2002 on the amendment of the Act on Combating unfair competition”, LEX/el. 2002.