
Ing. Terezia Kvasnicova Galovicova, PhD. is an Assistant at the University of Zilina, where she also gained her doctoral degree in Cross-Sectoral Economies. Her research focuses on digital economy, e-services, e-commerce, and usability. Additionally, she delves into the topic of digital currency. She holds a certificate in "Introduction to Blockchain and Digital Currency” and “Advanced Topic in Blockchain and Digital Currency” from The University of Nicosia.