Over the past years modern information technologies have become an integral part of the economy. New solutions aimed to optimise business operations and processes continue to emerge. One technology worth highlighting is the blockchain. The interest in the blockchain results mainly from the popularisation of various types of digital assets, including virtual  currencies , that have been created using this technology. Today, however, it has a much broader use.

Since 12 April 2000, the exchange rate of the Polish zloty (PLN) against foreign currencies has been a floating  and unregulated exchange rate. This means that the exchange rate depends on the current market offers of purchase and sale of the Polish currency.

The experiences from the financial crisis in 2008–2010 have shown that for the financial system it’s better to restructure (even through compulsory restructuring) big banks that have found themselves in a crisis than to allow them to fail. However, under market economy and to prevent moral hazard, this shouldn’t be done at the expense of tax payers’ money, managed by state governments, just as it happened as a result of the crisis.