Nowacka, A. and Sadowska, B. 2026. The role of Cooperative Banks in the Financial Inclusion Process in Light of the Opinions of Customer and Managers. Scientific Journal of Bielsko-Biala School of Finance and Law. 30, 1 (Mar. 2026), 119–129. DOI:https://doi.org/10.19192/wsfip.sj1.2026.12.