Marta Mróz-Sipiora

Marta Mróz-Sipiora is an internationally recognized banking innovation executive and thought leader specializing in SME finance, digital transformation, AI-powered banking, and financial services innovation. As Global Development & Innovation Director at Asseco Poland, she leads international initiatives that help financial institutions reimagine the way they serve entrepreneurs and businesses through next-generation banking products, intelligent digital ecosystems, and customer-centric innovation.

With extensive experience spanning SME and corporate banking, Marta has played a pivotal role in shaping digital strategies and developing innovative banking solutions that improve access to finance, strengthen business resilience, and accelerate the growth of SMEs. Her expertise covers digital lending, liquidity management, cash-flow optimization, AI-driven customer engagement, embedded finance, and data-enabled banking models, enabling financial institutions to deliver measurable business value while supporting sustainable economic development.

Recognized for combining strategic vision with practical execution, Marta works with banks across international markets to transform traditional banking into intelligent, predictive, and ecosystem-driven financial services.

An active contributor to the global dialogue on the future of SME banking, Marta is a frequent international speaker and author on digital banking, AI, financial inclusion, and banking innovation. Her thought leadership includes publications on the future of SME finance, digital transformation, and liquidity management for SMEs in emerging markets, highlighting how banks can evolve from credit providers into strategic partners supporting long-term business growth.

Marta's achievements have earned international recognition. She is the recipient of the Global Excellence & Leadership Awards Dubai 2026 for Excellence in Digital Transformation and Innovation in Banking, has been recognized among Strong Woman in IT 2025, and was named one of "26 Women Transforming the Financial Industry in Poland in 2026" by My Company Polska. These distinctions reflect her contribution to shaping the future of banking through innovation, technology, and leadership.