Three highlights and directions that will, in her opinion, decide on the growth of FinTechs in Poland and in the region. They range from stimulating openness (both to go global and to encourage external minds and startups to choose our region), through connecting attitudes of boldness and humility (which allows to take risk, accept failure and officially support disruptive thinking, even disruptive to current legislation), to - last but not least - cooperation in many dimensions (between industry players, between startups and corporations, between entrepreneurs and managers).