Czym są fintechy? Gdzie pieniądze są rzeczywiście bezpieczne? | Jakub Makurat

Do you know who really holds your money when you pay with Blik or use Revolut? Is a traditional bank with a "large safe" still the safest option in 2026? In this episode, my guest is Jakub Makurat – a fintech expert, co-organizer of Fintech Trends Poland, and a man who knows everything about finance (even the darker side). We talk about how to avoid falling victim to ignorance, which – as Buddhists say – is the source of the greatest suffering and... real financial losses. In this episode, you will learn: What is the difference between fintech and banks, and why do banks want to be fintech themselves today? Is your €100,000 safe in mobile apps? The Zonda Crypto and Cinkciarz case – why do some projects fail, while others conquer the world? How e-commerce can save thousands of zlotys on currency conversions (Diana's example and PLN 15,000 in savings!). Has the era of AI-powered "sole proprietorships" already arrived? Jakub bluntly criticizes the lack of financial education in schools and explains why "electronic money" doesn't have to be scary if you know which regulations (PSD) to look for. 👉 Remember: Invest only in what you understand. This video is the first step to understanding the system in which your hard-earned money circulates. Table of Contents: 00:00 – Introduction: Who holds your money online? 01:30 – Who is Jakub Makurat? His mission to demystify fintech 02:48 – What exactly is fintech? (Financial Technology for the Layman) 04:32 – Blik, Revolut, Cinkciarz – Polish and Global Examples of Success and Failure 07:58 – Is Blik a Bank? An Interesting Relationship Between Tradition and Innovation 10:43 – How Do Fintechs Make Money If They're Often "Free"? 13:50 – PSD Regulations and Financial Supervision – The Foundation of Your Security 17:47 – Where Are Your Funds Physically? "Money on the Move" 20:09 – Can a Bank Fail? The Story of Lehman Brothers and the Myth of the Gold Vault 24:09 – The Zonda Crypto Case: Why Are Trustworthy Faces Sometimes Not Enough? 28:23 – How Can an Entrepreneur Verify the Security of a Payment Gateway? 35:57 – The Dark Side of Banking: Swiss Franc Loans and Toxic Products 39:19 – Financial Education Instead of Geography – Why Are Schools Failing Us? 43:06 – Fintech Trends Poland: Combining business with technology 47:11 – Questions from the audience: Will AI create single-person banks? 50:31 – How to avoid being scammed? Cybersecurity and fake payment icons 54:15 – Diana asks about saving PLN 15,000 on a single transaction with Revolut 57:30 – EUR 100,000 guarantee in the European Union – how does it work in practice? 1:00:56 – Summary: Why Poles Are an Outstanding Nation in the World of Finance This material contains private brand placement [self-promotion] Peace of the World Magazine: https://pewnaterapia.pl/ Peace of the World Magazine on Instagram:   / pewnaterapia.pl   Zielinski Jerzy on Instagram:   / zielinskijerzypl   Zielinski Jerzy on TikTok:   / zielinskijerzy