ENG/ANG: Payments will be free
The concept of an Alternative Payment Network (APN) that enables instant, fee-free transactions by leveraging Open Banking, blockchain, and AI. It highlights the market drivers, regulatory shifts, and new revenue models that make APNs a next-generation alternative to traditional card systems.
Maciej Krasowski is a Polish entrepreneur active in fintech, blockchain, and new technologies. He is the founder and CEO of Fizen, a company developing an Alternative Payment Network (APN) based on Open Banking, blockchain, and artificial intelligence. Fizen offers instant, free payments and generates revenue through subscriptions and lead generation for businesses.
Maciej also co-founded BinarApps (now binar.com), a software house specializing in fintech, and Byron Network, a blockchain company active in the Cardano ecosystem. He is a co-founder of the Polish Blockchain Association and a board member of the Fintech Central Poland Foundation. He lectures on DeFi and blockchain at the University of Łódź.