Obserwatorium biz | Jesteśmy niezależną polską firmą doradczą, specjalizującą się w tworzeniu i wdrażaniu strategii cyfrowych w przedsiębiorstwach, głównie z sektora finansowego oraz administracji publicznej.


About us

We are an independent Polish consulting firm that specialises in developing and implementing digital strategies for enterprises, with financial and government entities as our primary focus.

We support our clients atthe different stages of strategic development: assessment of the internal situation and market environment, assistance in defining new goals and products with consideration to social and business trends – especially those spurred by technological changes. We provide implementation and deployment support to IT providers and other entities.

We engage in a variety of educational efforts, including training and conferences, aimed at educating the market about digital transformation, its consequences, and the conditionsfor an optimal implementation in a given business.



Migrating business processes to digital channels. Building new product strategies and customer service strategies for finance and public administration.
Investigating customer expectations with regard to service channels. Designing new products and services in the digital environment.
Implementing electronic identification services and trust services compliant with eIDAS standards in financial institutions, businesses and public administration institutions.
Supporting development of API BANKING solutions. Readiness for PSD2 implementation in banks and TPPs.
Identifying main risks regarding information security and digital security. Audits and implementing remediation recommendations.


Developing digital strategies for specific stages. Conducting benchmark research on the Polish market and international markets.
Carrying out comprehensive audits of commercial and administrative systems. User experience, digital security, functional analyses and performance analyses.
Qualitative and quantitative research on B2B and B2C markets.
Organising conferences and training. Technical arrangements and professionalsupport.
Market reports on digital economy, e-identification and trust services, e-banking and e-payments.




We are a team of finance and technology specialists with extensive experience in managing technology and business projects in financial, IT and public administration institutions. We work with a number of experts who help us implement specific projects.

Dr Miłosz Brakoniecki

Partner and Member of the Management Board
Obserwatorium.biz Sp. z o.o.

Responsible for strategic development and management ofthe company′s key clients.

Main responsibilities
  • Digital transformation strategies for businesses and administration
  • Electronic payments and banking
  • Development of the FinTech sector
  • Market research
Work experience and roles
  • He has co-created Poland′s biggest crowd-founding service Siepomaga.pl and of the the Siepomaga.pl Foundation, Poland 5.0 Foundation as well as Polish FinTechs: Rachuneo and Compay
  • He has spoken at several dozen industry conferences in Poland and abroad, and authored numerous publications on digital economy and banking
  • Between 2016 and 2020 he was the member of the Supervisory Board at Diners Club Polska Sp. z o.o.
  • Between 2016 and 2018 he was the co-leader of the Digital Identity Team of the Paperless/Cashless Program at the Ministry of Digitisation
  • Between 2006 and 2014 he was the electronic banking manager at Bank Zachodni WBK, where he was responsible for business development of electronic banking
  • Between 2012 and 2014 he was a member of the Electronic Banking Council in the Polish Bank Association (ZBP).
  • Ph.D. in humanities, Department of Sociology, Adam Mickiewicz University in Poznań.
  • Post-graduate programmein business strategy and planning at the University of Economics in Poznań.

Michał Olczak

Partner and Member of the Management Board
Obserwatorium.biz Sp. z o.o.

Responsible for implementing innovation culture coupled with cyber responsibility.

Main responsibilities
  • Leader and manager of flexible teams
  • IT system architect
  • Develops and assesses systems to meet ‘security by design’ compliance
  • Practitioner of innovative technologies used for the benefit of mankind
  • IT security and performance auditor
Work experience and roles
  • Over ten years′ experience in developing secure and usable applications
  • Organisation of OWASP Poznań and the DevCamp 2016 hackathon in Warsaw
  • Member of the ZBP Electronic Transaction Security Forum with over 10 years of experience in creating electronic banking systems in Bank Zachodni WBK.
  • Graduate of the Poznań University of Technology with a degree in IT.

Piotr Sterczała

Partner and Member of the Management Board
Obserwatorium.biz Sp. z o.o.

Responsible for managing and delivering consulting projects and analytical projects.

Main responsibilities
  • Electronic payments and banking
  • Management of analytical projects
  • Electronic process design
  • Financial analysis of IT and business projects
Work experience and roles
  • Between 2010 and 2014 he worked for Bank Zachodni WBK S.A., where he was responsible for implementing and developing mobile and Internet banking in a business environment.
  • He has co-authored publications on business and IT security developments in the FinTech and e-banking markets
  • Master’s degree in economics from the Department of IT and Electronic Economy at the University of Economics in Poznań.

Michał Tabor

Partner and Member of the Management Board
Obserwatorium.biz Sp. z o.o.

Provides expertise on security and electronic transactions.

Main responsibilities
  • Electronic transactions and e-identity
  • Electronic signature and trust services
  • Information security
  • Processes, procedures and documents – digital transformation
Work experience and roles
  • Manager at Signet Certification Authority
  • Director at Trusted Information Consulting
  • Expert at the Polish Chamber of Information Technology and Telecommunications
  • Expertof the Chamber of Experts of the Polish IT Society (Polskie TowarzystwoInformatyczne)
  • Expert, European Union Agency for Network and Information Security (ENISA) projects
  • Master’s degree in IT, University of Warsaw

Join us

We are a team of dynamic and dedicated people. Someof us have rejected the conventional corporate lifestyle in order to implement projects flexibly, approach them with passion, and have the opportunity to directly participate in the profits, financial orotherwise. If you are an expert in one of our areas of interest and would like to help us deliver our projects, send us your CV at wspolpraca@obserwatorium.biz. Remote work an option.