Małgorzata Twarowska-Ratajczak

Dr Małgorzata Twarowska-Ratajczak is a Senior Lecturer at the Department of Public Finance, Faculty of Economics, Maria Curie-Skłodowska University. Her work bridges academic research with practical tax policy analysis, focusing on financial sector taxation, EU fiscal frameworks, and economic crisis management.

• PhD in Social Sciences (Economics & Finance), Maria Curie-Skłodowska University (2021)
• Master’s in Economics (2012) and Finance & Accounting (2013), Maria Curie-Skłodowska University
• Postgraduate studies in Statistical Data Analysis (2023, AGH University) and Eurozone Mechanisms (2011, Maria Curie-Skłodowska University)

Her research explores financial sector taxation, fiscal competition, and tax harmonization in the EU, with emphasis on banking levies, financial transaction taxes, and their socio-economic impacts. Key themes include tax burden shifting, fiscal efficiency, and cross-border tax incentives.

Major awards include the 2016 Best Paper Award for analyzing fiscalism's impact on aviation. She has secured multiple research grants (2013-2017) on financial transaction taxes, banking sector taxation, and fiscal sustainability. Collaborations span institutions like NBP, Polish National Academy of Sciences, and international conferences in Italy, Austria, and Romania.