Entrepreneurship with Values
The Path of a Conscious Entrepreneur
Is it possible to build genuine business relationships in such a tightly regulated industry as credit brokerage? How can trust and a strong personal brand be developed in a market often driven by numbers and commission structures?
To explore these questions, it is worth starting at the beginning.
A Breakthrough in Thinking
“My name is Kamil Dyrtkowski and I am an entrepreneur, credit expert and academic lecturer with a doctorate in economics and finance. Since 2017, I have been running a credit brokerage company, combining academic work with practical financial advisory services. My business philosophy is based on building long-term relationships and delivering real value to clients.”
Like many young people, he once believed in the traditional life model: stable employment, predictable income and meeting social expectations. The turning point came during his master’s studies, when he began reflecting more deeply on what he truly wanted.
Meeting a colleague who introduced him to the books of Robert Kiyosaki opened up a new perspective. It challenged established patterns of thinking and revealed that life and business can be approached differently.
Early Days in Business
With experience in sales and a strong interest in banking, credit brokerage felt like a natural direction. At first, financial motivation played a significant role. Over time, however, something more meaningful emerged.
“As a credit broker, I offer clients access to offers from all banks, which allows me to find the cheapest solutions on the market. Unlike bank advisers, I can propose a wider range of products and an individual approach to each case.”
True professional satisfaction began to come from helping people make informed decisions. His achievements are visible through his website JakWygraczBankiem.pl, where he has built an online identity under the recognisable brand “Doctor of Credits”.
Values Over Profit
“From experience, I know that the pursuit of profit is a road to nowhere. Today, I focus on real client support, putting their interests above my own commissions. Honesty, loyalty and keeping one’s word are the foundations of my business.”
In an industry where trust is everything, this approach has become a defining feature. Clients are drawn not only by expertise, but by consistency and integrity.
Innovative Marketing
When launching his business in 2017, social media had not yet reached today’s level of influence. Rather than relying on traditional telemarketing, he chose to invest in building an online presence.
He created the website “Jak wygrać z Bankiem” and launched a YouTube channel featuring informative content. The first videos were far from technically perfect, yet they resonated with audiences. Authenticity proved more powerful than polish.
By recognising a gap in the market early, he positioned himself ahead of competitors who were slower to adapt to digital channels.
Mistakes as Lessons
Every entrepreneurial journey includes challenges.
One of the biggest early mistakes was focusing solely on daily operations without long-term strategy. Potential client contacts were not recorded, limiting opportunities for future collaboration. Today, a structured CRM system supports regular communication and relationship building.
Another lesson was underestimating short-form video content. With time, its potential for broader reach and engagement became clear.
Building Professional Advantage
Academic credibility has played a key role in strengthening his professional standing. Teaching experience at the Poznań University of Economics and Business and WSB University has enhanced both subject expertise and interpersonal understanding.
Working with students has provided fresh insight into evolving expectations and the changing mindset of younger generations entering the financial market.
Scaling and Development
Growth now extends beyond individual advisory work.
A nationwide network of credit experts is currently being developed, with new branches opening in successive cities. The team includes specialists in mortgage loans as well as advisory services for individuals facing challenges with the Credit Information Bureau.
The model combines academic theory with hands-on business practice. Free online training courses on mortgage loans and related topics further expand access to reliable financial knowledge.
More Than Just Finance
For Kamil Dyrtkowski, every financial decision represents a personal story. It may be the dream of a first home, the expansion of a business, or the resolution of a difficult financial situation.
Relationships remain the core strength of the business. Accessibility, transparency and commitment to each individual case shape the foundation of ongoing success.
Work, in this case, is not simply a profession. It is a mission driven by values.
