Dr. Teresa Bednarczyk is a full-time Professor at Maria Curie-Skłodowska University's Faculty of Economics , where she leads the Department of Insurance and Investment . She earned her PhD (1999) and habilitation (2012) in Economics from the same university, with both theses focusing on insurance , financial markets , and pension systems . Her work has been recognized with the National Bank of Poland Award for habilitation theses. ORCID ID: 0000-0002-9340-6864 Current consultation hours: On-site Tuesdays 9:30-11:00 in room 615, remote via Microsoft Teams Thursdays 13:00-14:30 Research focuses on insurance sector dynamics , pension system evolution , and financial market interdependencies . Recent publications examine peer-to-peer insurance models , retirement savings determinants , and systemic risk in reinsurance . Her work spans empirical studies and theoretical frameworks. Scientific contributions include 25 publications with 936 ministerial points. Key awards: National Bank of Poland Award (2014) Polish Academy of Sciences membership (since 2015) Scientific Advisory Committee to Financial Ombudsman (multiple terms) Serves as primary advisor to multiple award-winning theses, including Dr. Tomasz Pasierbowicz 's 2024 work on sharing economy insurance and Jakub Konstanciuk 's 2022 research on cyber risk in Poland .


