Krajobraz cyberbezpieczeństwa rynku finansowego w Polsce a poziom edukacji finansowej – perspektywa organu nadzoru nad rynkiem finansowym oraz jego interesariuszy
Cybersecurity in the Polish Financial Market and the Role of Financial Education: a Regulatory and Stakeholder Perspective

Summary/Abstract: The rapid development of information and communication technologies (ICT) has significantly transformed both social and economic spheres, with the financial sector being one of the most impacted. The widespread adoption of digital tools by financial institutions brings undeniable benefits, but also introduces new challenges – particularly in the realm of cybersecurity. This article explores the role of financial education, with a special emphasis on cybersecurity awareness, as a key factor in strengthening the systemic financial security of the state. The central thesis posits that cybersecurity education is essential for building digital resilience, especially in light of increasing threats such as fraudulent investment offers distributed through social media, search engines, and online platforms. To verify this hypothesis, the study examines definitions of cybersecurity and the financial market, the role of the Polish Financial Supervision Authority (KNF), and the relevant legal framework. The research employs both institutional-legal and empirical methods, including data analysis and participant observation. The findings highlight the need for coordinated educational and regulatory efforts to enhance the digital resilience of Poland’s financial market.

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