Kuba Kiwior is the Group Country Manager at Visa for the Central and Eastern Europe cluster (Czech Republic, Slovakia, Hungary, Poland, Romania, Croatia, Bulgaria, Slovenia). A manager and financial industry expert with over 20 years of experience. He joined Visa in January 2007, initially as a Sales Director for emerging and developing markets. For years, he has been actively involved in the development of digital payments. He is a co-founder and member of the Board of the Poland Cashless Foundation, which manages a nationwide program to popularize and promote digital payments in Poland, as well as a board member of the Digital Poland Foundation. He is the author of many expert articles published in the most important Polish business media. He holds an Executive MBA diploma from RSM Erasmus University at the University of Gdansk.