Cathy Smith, Hanna Gilicińska-Cieślak, Arkadiusz Lewicki, Maciej Majewski   Cathy Smith, moderator; Hanna Gilicińska-Cieślak, Expert, Banking Products and Procedure Department, SME and Agro Enterprise Office, SGB Bank S.A.; Arkadiusz Lewicki, Director of Department of Public Programmes and Economic Entities, Polish Bank Association (ZBP); Maciej Majewski, Director of the Department for Public Programmes and Innovation, BGŻ BNP Paribas Polska S.A.