Zeszyty Naukowe Wyższej Szkoły Finansów i Prawa w Bielsku-Białej
Scientific Journal of Bielsko-Biała School of Finance and Law

The Scientific Journal of Bielsko-Biala School of Finance and Law (Alternative title: Zeszyty NaukoweWyższej Szkoły Finansów i Prawa w Bielsku-Białej) - ISSN 2543-9103; eISSN 2543-411X - has been published since 1997 and is dynamically growing Journal for scientists and people who want to share their scientific achievements. It is a quarterly publication with the scoring 7 - assigned by the Polish Ministry of Science and Higher Education, ICV 2016 & 2017: 100.00 - assigned by the ICI JOURNALS MASTER LIST, indexed in Polish and international databases such as: DOAJ, CEJSH, CEEOL, BASE, ICI Journals Master List, ERIH PLUS, EBSCO, ROAD, Google Scholar. An Open Access (OA) to Journal's content is provided (papers are published under a Creative Commons Attribution CC-BY-NC 4.0 license) on the principle that making research freely available to the public supports a greater global exchange of knowledge.

The Journal publishes original scientific research, global news, letters and commentary as well as review articles. It's aimis to encourage scientists to publish their experimental and theoretical research relating to social sciences in as much detail as possible in order to present the latest socio-economic phenomena and to promote scientific predictions and impact assessments of global change and development. ASEJ's profileis focused on issues related to social sciences (including Finance, Economics, Business, Law, Internal Security) and technical sciences.

ASEJ implements the Committee on Publication Ethics (COPE) guidelinesis and takes the responsibility to enforce a rigorous peer-review together with strict ethical policies and standards to ensure to add high quality scientific works to the field of scholarly publication, that includes: General duties and responsibilities of editors, Relations with readers, Relations with authors, Relations with editors, Relations with editorial board members, Relations with journal owners and publishers, Editorial and peer review processes, Protecting individual data, Encouraging ethical research (e.g. research involving humans or animals), Dealing with possible misconduct, Ensuring the integrity of the academic record, Intellectual property. Encouraging debate, Complaints, Conflicts of interest.

Reference: Committee on Publication Ethics (COPE). (2011, March 7). Code of Conduct and Best-Practice. Guidelines for Journal Editors COPE International standard for responsible research publication for authors. 

ASEJ takes publishing ethics issues very seriously and editors are trained to proceed in such cases with a zero tolerance policy. To verify the originality of content submitted to ASEJ journal, iThenticate and anti-plagiarism platform to check submissions against previous publications is used. ASEJ works with Publons to provide reviewers with credit for their work. Submission of a manuscript to a ASEJ journal implies that all authors have read and agreed to its content and that the manuscript conforms to the journal’s policies.

ASEJ also seriously treats protection of privacy of the users of this Journal website. The names, personal details and e-mail addresses entered in this website shall be processed solely for the stated purposes of this Journal. Users consent to receive communication from the Scientific Journal for the stated purposes of the journal. Queries with regard to privacy may be directed to journal@wsfip.edu.pl.

The content of the ASEJ is preserved by The PKP Preservation Network (PN), Polish National Library and ICI Journals Master List.

The Journal's Scientific Council includes representatives of different lines of science from a number of Polish and foreign academic centers such as for example Czech Republic, Slovakia, Spain, Germany, Italy, Iceland, USA. 

Thanks to the Ministry of Science and Higher Education and the program DUN implemented by the Ministry regarding activities disseminating science, the Journal one more time has received funding for its development.

Editorial Board

prof. Leon PODKAMINER
Chairman,
The Vienna Institute for International Economic Studies (A)

Assoc. Prof. Ph.D. eng. Jacek Binda
Editor-in-Chief
Faculty of Finance and Information Technology, Bielsko-Biala School of Finance and Law; ul. Tanskiego 5, 43-382 Bielsko-Biala, Poland
Interests: sustainability; sustainable development; banking systems; economics; electronic money; e-business; project management

Thematic/Section Editors

dr Ryszard Bełdzikowski

Section Editor-in-Chief: Internal Security
Faculty of Law and Social Sciences, Bielsko-Biala School of Finance and Law, ul. Tanskiego 5, 43-382 Bielsko-Biala, Poland
Interests: internal security; national security; financial security

dr Elżbieta Rak-Młynarska,

Section Editor-in-Chief: Finance and Accounting
Faculty of Finance and Information Technology, Bielsko-Biala School of Finance and Law, ul. Tanskiego 5, 43-382 Bielsko-Biala, Poland
Interests: public finances; local government finances; economy

dr Jarosław Storczyński

Section Editor-in-Chief: Law
Faculty of Social Sciences, Bielsko-Biala School of Finance and Law, ul. Tanskiego 5, 43-382 Bielsko-Biala, Poland
Interests: law; administrative law

dr inż. Stefan Senczyna, 

Section Editor-in-Chief: IT
Faculty  of Finance and Information Technology, Bielsko-Biala School of Finance and Law, ul. Tanskiego 5, 43-382 Bielsko-Biala, Poland
Interests: automatic; robotics; programmable systems; IT systems in management

Copyeditors

PASJA publishing house

Statistical editor

Assoc. Prof. Ph.D. Danuta Jama, Silesian Politechnic

Language editor

mgr Agnieszka Smyrska

Proofreaders

mgr Dagmara ŻABKA,
Bielsko-Biala School of Finance and Law; ul. Tanskiego 5, 43-382 Bielsko-Biala, Poland

Editorial Board Members

1. dr hab. Piotr Augustyniak
   GH University of Science and Technology (PL)
2. dr Tomás Vicente Ballesteros,
   Profesor de Derecho Procesal, Universidad de Castilla-La Mancha (PT)
3. Dr hab. Barbara Bajor
   European University of Law and Administration (PL)
4. doc. Ing. Viera Bartošová, Ph.D.
   University of Zylinia (SK)
5. prof., Ing., CSc. Lubomir Belan
   University of Zylina (SK)
6. prof. Gianni BETTI
   Univeristy of Siena (IT)
7. doc Ing. Alżbeta Bielikova, Ph.D.
   University of Zylina (SK)
8. prof. Rudolf BRABECK (D)
9. doc. Ing. Martin Bugaj, Ph.D.
   University of Zylina (SK)
10. prof. h. c. doc. JUDr. Maria Bujnakova, CSc.
    Pavel Jozef Safarik University in Koszyce (SK)
11. dr hab. Wiesława Caputa, prof. nzw. w Pol. Śl.
    Silesian University of Technology (PL)
12. Dr hab. Tadeusz Czachurski
    Silesian University of Technology in Katowice (PL)
13. Doc. Ing. Soňa Chovanová Supeková PhD.
    Paneuropean University (SK)
14. prof. Gabriela Dobrovicova
    Univerzita Pavla Jozefa Šafárika V Košiciach (SK)
15. nadkom. dr hab. Jacek Dworzecki, prof. WSPol.
    Police Academy in Szczytno (PL)
16. Prof. Vilhjálmur Egilsson
    Bifrost University (IS)
17. Dr hab. Fajgielski Paweł prof. KUL
    The John Paul II Catholic University of Lublin (PL)
18. dr hab. Jarosław FIGWER, prof. nadzw. WSFiP
    Bielsko-Biala School of Finance and Law (PL)
19. Dr hab. inż. Gasperik Libor
    University of Zylina (SK)
20. dr hab. Helena Henzler-Żakowska, prof. nadzw. WSFiP,
    Polish Academy of Sciences (PL)
21. Doc. Ing. Dagmar Hraśkova, PhD.
    University of Zylina (SK)
22. dr hab. Izabela Jonek-Kowalska, prof. nzw. w Pol. Śl.
    Silesian University of Technology (PL)
23. prof. Maria Kiovska
    Univerzita Pavla Jozefa Šafárika V Košiciach (SK)
24. Dr hab. Stefan Kocan
    Academy of Police Force in Bratislava (SK)
25. Prof. dr hab. Jerzy Konieczny, prof. UO
    University of Opole (PL)
26. Dr hab. Krajewski Piotr prof. UWM
    University of Warmia (PL)
27. Dr hab. Brygida Kuźniak
    Department of Public International Law of Jagiellonian University of Krakov (PL)
28. doc. Ing. Radovan Madleňák, PhD.
    University of Zylina (SK)
29. dr hab. inż. Aneta Michalak, prof. nzw. w Pol. Śl.
    Silesian University of Technology (PL)
30. assoc. prof. dr Rajmund Mirdala
    Technical University of Kosice - Technicka univerzita v Kosiciach Faculty of Economics (CZ)
31. dr hab. inż. Anna Michna, prof. nzw. w Pol. Śl.
    Silesian University of Technology (PL)
32. doc. Ing. Jaromír MlÝnek, CSc
    Academy of Police Force in Bratislava (SK)
33. Prof. nzw. dr hab. Bronisław Młodziejowski
    Department of Law and Social Sciences, Bielsko-Biala School of Finance and Law (PL)
34. prof. dr hab. Stanislav Mraz
    Matej Bell University (SK)
35. prof. Mozgoviy Oleg Mykolayovich
    Kyiv National Economics University (UA)
36. prof. Ing. Andrej Novák, PhD.
    University of Zylina (SK)
37. dr hab. WSFiP Jan Ostoj, prof. nadzw. WSFiP,
    Bielsko-Biala School of Finance and Law (PL)
38. prof. dr hab. Stanisław Owsiak,
    Economic University in Krakow (PL)
39. prof. Massimiliano Piras,
    University of Cagliari (I)
40. Associate Professor Dr Dilan Majid Rostam (Roshani)
    Department of Architectural Engineering (DARE) at Koya University, Kurdistan Region - Iraq
41. Dr hab. Rudny Włodzimierz, prof. UE
    University of Economics in Katowice (PL)
42. JUDr. doc. Ing. Alena Novák Sedláčková, PhD
    University of Zylina (SK)
43. Doc. Ing. Jarmila Sosedová, PhD.
    University of Zylina (SK)
44. prof. dr hab. Daniel Stavarek
    Department of Finance and Accounting at the School of Business Administration of the Silesian University(CZ)
45. prof. dr hab. Jana Stofkova
    University of Żilina (SK)
46. Doc Ing. Katarina Repkova-Stofkova, PhD
    University of Zylina (SK)
47. Dr hab. Monika Szwarc, prof. INP
    Institute of Law Studies Polish Academy of Sciences (PL)
48. Prof. dr hab. Bronisław Sitek, prof. zw. SWPS
    SWPS University of Social Sciences and Humanities (PL)
49. Prof. nzw. dr hab. Maria Smejda
    Faculty of Finance and Information Technology, Bielsko-Biala School of Finance and Law (PL)
50. Prof. zw. dr hab. Jacek Sobczak SWPS
    SWPS University of Social Sciences and Humanities (PL)
51. doc. Ing. Anna Tomová, PhD.
    University of Zylina (SK)
52. doc. Ing. Michal Tvrdoń, Ph.D. (CZ)
53. Prof. dr hab. Leszek Wilk (chairman),
    Faculty of Law and Social Sciences, Bielsko-Biala School of Finance and Law; Bielsko-Biala School of Finance and Law; (PL)
54. Prof. nzw. dr hab. Aleksandr Yudin,
    Faculty of Finance and Information Technology, Bielsko-Biala School of Finance and Law (PL)
55. płk dr hab. David Zamek
    Institute for Public Administration Prague (CZ)
56. Dr hab. Zieliński Mariusz, prof. UO
    Uniwersity of Opole (PL)

The Scientific Journal of the Bielsko-Biala School of Finance and Law (ASEJ) accepts online advertising.

ASEJ accepts advertising and sponsorship for its website and related e-mail services (e-mail alerts) subject to the following principles:

• Advertising is not related in any way to editorial decisions,
• Advertising is kept separate from editorial content and is clearly identified as such. Content is never altered, added, or deleted to accommodate advertising. Advertisers and sponsors don't have any influence in any editorial decisions or advertising policies. Advertising areas are limited, clearly identified as Advertising and specified by the editor to top, bottom or side banners. Pop-up or other types of banners are not allowed. Editorial decisions are never influenced by potential advertising or reprint revenues.
• Advertisers and Sponsors have no control or influence over the results of searches a user may conduct on the website by keyword or search topic.
• The Journal reserves the right to decline or cancel any advertisement at any time. Entities cooperating with ASEJ are entitled to advertise their educational events and website links free of charge, provided they are relevant to the Journal’s aims and scope. ASEJ does not partner with third-party advertising companies that provide behavioral advertising.

Submit manuscript

Types of Publications

The Scientific Journal's manuscripts (hereinafter referred to as ASEJ) should have length – from 0,5 to 1 publishing sheet (about 42000 characters) and should be written in English. Manuscripts submitted to ASEJ should neither been published before nor be under consideration for publication in other journals. The main paper types are as follows:

• Papers: Original research manuscripts provided that the work reports scientifically sound experiments and provides a substantial amount of new information. Quality and impact of the study will be considered during peer review.
• Reviews: These provide concise and precise updates on the latest progress made in a given area of research.

Submission Process
Manuscripts to be published by ASEJ should be submitted online through the submission website. The submitting author (corresponding author), is responsible for the manuscript during the submission and peer-review process. To submit your manuscript, register and log in to the submission website. After registration process it will be possible to get access to ASEJ submission form. The texts which do not conform to the obligatory standard guidelines will not be considered for publication and will be returned to authors for corrections.

Template in Word format to prepare the paper, including guidelines

Manuscript Preparatory Phase - General Considerations
Authors are obliged to save their manuscript in Word (.doc, .docx, .rtf) format of single column single-spaced page, Times New Roman font type, and 10 points font size. Authors may use readymade ASEJ template in MS-OFFICE version.
Research manuscripts should comprise:
• Front matter: Title, Author list, Affiliations, Abstract, Keywords
• Research sections: Introduction, Materials and Methods, Results, Discussion, Conclusions.
• Back matter: Supplementary Materials, Acknowledgments, Author Contributions, Conflicts of Interest, References.
Review manuscripts should comprise the front matter, literature review section and the back matter (it is not strictly required to follow the remaining structure). Structured reviews and meta-analyses should use the same structure as research papers and ensure they conform to the PRISMA guidelines.
Graphical abstract: should be provided as a self-explanatory image to appear alongside the text abstract in the Table of Contents. Figures must be prepared in image high quality image format (TIF, GIF, JPEG, etc.) and its size should be 11 by 9 cm.
Abbreviations should be defined in parentheses the first time they appear and used consistently thereafter.
SI Units (International System of Units) should be used.
Equations: should be prepared with the use of the Microsoft Equation Editor or the MathType add-on. They should be editable by the editorial office and not appear in a picture format.
Research data and supplementary materials: all materials, data, and protocols associated with the publication should be available to readers. Disclose at the submission stage any restrictions on the availability of materials or information. Review the information about Supplementary Materials and Data Deposit for additional guidelines.

Front Matter
These sections should appear in all manuscript types:

Title: should be concise, specific and relevant. It should identify the study (trial data, systematic review, meta-analysis or replication study).
Author List and Affiliations: Authors' full first and last names must be provided (initials of middle names can be added).
Affiliations: Department, Faculty, University, address information including city, zip code, state/province, country, and all email addresses should be provided.
Abstract: should be a single citation-free paragraph, no more than 200 words, following the style of structured abstracts, but without headings. It should contain main items:place the question addressed in a broad context and highlight the purpose of the study,
briefly describe main methods or treatments applied in the paper,
summarize the paper's main findings;
indicate the main conclusions or interpretations with the proviso that it cannot contain results which are not presented and substantiated in the text.
Keywords: three to six pertinent, specific to the paper, keywords added after the abstract.

Research Manuscript Sections
Introduction: should briefly place the study in a broad context and highlight why it is important. The purpose of the paper should be defined including specific hypotheses which will be considered. The current state of the research field should be reviewed. The main aim of the work altogether should be highlighted.
Materials and Methods: should be presented with sufficient details to allow others to use published results. It can be divided into subsections if a number of methods is used. 
Results and Discussion: concise and precise description of the experimental results should be presented. They should be discussed and explained how they can be interpreted in perspective of previous studies and of the working hypotheses. This section may be divided into subheadings or it may form one uniform part. Footnotes are not recommended - explanations should be placed in the text, in square brackets and written in italics.
Conclusions: should briefly summarize the presented work, achieved results with special emphasis on its importance and relevance.
Patents: this section is not compulsory, but may be added presenting results from the work reported in this manuscript.

Back Matter
Acknowledgments: All sources of funding for the study should be disclosed. Clearly indicate grants received for supporting research work or to cover publication costs. Acknowledgements should appear below the end of the paper and above the section References.
Author Contributions: Authors' contributions to the conception or design of the work must be clearly defined (range of pages or part of the work) and the authors agree to be personally accountable for the thier own contributions and for answering questions related to the accuracy or integrity of any part of the work.
Conflicts of Interest: Authors must identify and declare any personal circumstances or interest that may be perceived as inappropriately influencing the representation or interpretation of reported research results. If there is no conflict of interest, please state "The authors declare no conflict of interest."
References: This is an obligatory part of the work and it is the authors’ responsibility to ensure accuracy of references. Details for each work used or cited in a paper must be given in the Harvard reference style at the end of the paper and arranged alphabetically by the author. For more information use Harvard Referencing guide. We recommend preparing the references with a bibliography software package, such as Harvard Generator, EndNote, ReferenceManager or Zotero to avoid typing mistakes and duplicated references. Your reference list should look like this. 

Adam, D.J., (1984). Stakeholder analysis. 2nd ed. Oxford: Oxford University Press. 
Adam, D.J., (2003). Stakeholder analysis today. Royal Journal of Management, 42(7), pp.34-66. 
Dworzecki, J. (2010). Przestępczość zorganizowana. Zarys problematyki. In: A. Gałecki, M. Dalecka and T. Tabaczniuk, ed., Współczesne problemy bezpieczeństwa. Zielona Góra: Uniwersytet Zielonogórski, pp. 84-115 
Dworzecki, J. (2009). Medzinárodná spolupráca v rámci prevencie a boja proti organizovanej kriminalite. In: L. Hofreiter, ed., Bezpečnosť a bezpečnostná veda. Liptovský Mikuláš: Akadémia ozbrojených síl gen. M.R. Štefánika. pp. 273-280 
Brown, G. White, G. and Redding.G., (1984). Modern management.[e-book] London: Redfern Press. Available through: Anglia Ruskin University Library <http://libweb.anglia.ac.uk> [Accessed 9 July 2011] 
Garrett, L.K., (2011). Skills for nursing and healthcare students. Harlow: Pearson Education. 
Act No. 555 of 10 December 1992 on the Prison Service and the Judiciary Guards of the Czech Republic. Set of laws of 1992, item 112 with subsequent amendments.

Preparing Figures, Schemes and Tables
Figures and schemes must be prepared with a sufficiently high resolution (minimum 1000 pixels width/height, or a resolution of 300 dpi or higher) in one of the preferred formats TIFF, JPEG, EPS and PDF. Figures and schemes in color should be prepared in a RGB at 8-bit per channel format. There is no additional cost for publishing full color graphics.
Figures, Schemes and Tables should be inserted into the main text close to their first citation and must be numbered following their number of appearance (Figure 1, Scheme I, Chart 1, Table 1, etc.). They should have a short explanatory title and caption.
All table columns should have an explanatory heading (font 8 pt. in size). To facilitate the copy/editing process, Authors should use Table option of Microsoft Word to create tables. 
Reviewer Suggestions
Authors are asked to indicate three potential reviewers with approriate expertise to review the manuscript. However, it should be noted that Thematic/Section Editors will not neceserily follow these referencess. Please provide potential reviewer contact informations including phone, e-mail address and the name of the institution the expert works for. Suggested reviewers shouldn't be from the same institutions as authors of the manuscript.

English Grammar
In order to respect the time and effort of reviewers, it is suggested that authors use a grammar and spelling check software and also seek assistance of a native speaker of English who will proofread the manuscript before submission.

Plagiarism
In ASEJ plagiarism is not tolerated. The Editorial Board of ASEJ strive to detect any attempts of plagiarism. If plagiarism is discovered at any stage before publication of the manuscript, the author(s) will be alerted and asked either to rewrite the text or quote the text exactly and give credits to the original text. If the anti-plagiarism standards required by ASEJ are not met, the Editor has the right to return the manuscript to the author

Length Policy
The policy concerning the length of texts set by ASEJ provides guidance on the expected length of the manuscript submitted to the Publisher either as a regular research paper or a review paper. The authors must always respect the length requirements in preparing their manuscript for submission. The numbers given below contain Abstract, References and Appendices (figure captions or table content are not included in the calculation).

Regular research paper:

Between 4500 and 5000 words: [fewer than 10 figures = acceptable]
Between 4500 and 5000 words: [more than 10 figures = excessive]
Between 5000 and 6000 words: [fewer than 8 figures = acceptable]
Between 5000 and 6000 words: [more than 8 figures = excessive]
More than 6000 words: [Any number = excessive]
Review paper

Up to 10,000 words: [Less than 20 figures = Acceptable]
Over 10,000 words: [More than 20 figures = Overlong]
Please note that for all paper types the table limit is 12.
Copyright notice
Authors who decide to publish with ASEJ Journal agree to the following terms and conditions: Authors retain copyright and grant the Journal the right of first publication with the work simultaneously licensed under a Creative Commons Attribution License [CC BY-NC 4.0].

Authors who decide to publish with ASEJ Journal agree to the following terms and conditions: Authors retain copyright and grant the Journal the right of first publication with the work simultaneously licensed under a Creative Commons Attribution License [CC BY-NC 4.0]. It means it is possible to:

• Share — copy and redistribute the material in any medium or format
• Adapt — remix, transform, and build upon the material

The licensor cannot revoke these freedoms as long as you follow the license terms.

Privacy statement

ASEJ seriously treats protection of privacy of the users of this Journal website. The names, personal details and e-mail addresses entered in this website shall be processed solely for the stated purposes of this Journal. Users consent to receive communication from the Scientific Journal for the stated purposes of the journal. Queries with regard to privacy may be directed to journal@wsfip.edu.pl

The Scientific Journal of Bielsko-Biala School of Finance and Law (Zeszyty Naukowe Wyższej Szkoły Finansów i Prawa w Bielsku-Białej) are  indexed in Polish and international databases such as:

• CEJSH,
• DOAJ,
• EBSCO,
• CEEOL,
• ERIH PLUS,
• ICI Journals Master List,
• ROAD,
• Google Scholar
• BASE,
• OCLC WorldCat,

The Journal provides immediate open access to its content (papers are published under a Creative Commons Attribution CC-BY-NC 4.0 license) supporting a greater global exchange of knowledge.