Nahum Goldmann, President, ARRAY Development is a leading expert and a renowned lecturer on building and securing ecommerce and egovernance solutions. His academic and research interests are in the areas of Internet banking and commerce, transactional profitability, IT/business services/Knowledge Process Outsourcing and offshoring, procurement, Anti-Money Laundering, compliance, insurance and governance solutions; as well as financial engineering, regulatory and government policy issues, knowledge management and information gathering, analysis and dissemination.

Nahum has published several books, book chapters, articles and numerous reports on ecommerce, egovernance and efinance, Internet security and the role of SMEs in the new global economy. He had been a Professor at the School of Management at University of Ottawa, lecturing on Internet Marketing for graduate students, a lecturer on Building Internet Commerce Ventures at the University of Toronto School of Management, a faculty member and a lecturer on Global Competitive Strategies for Technology-Based Organizations at Europe Asia Business School Post Graduate Program in Business Transformation in Pune, India, a visiting lecturer at a number of leading universities and a Fellow of the Centre of Governance at the University of Ottawa. Mr. Goldmann has been a keynote speaker and a chair of organizing committees at numerous high profile academic and industry conferences in the North America, Europe and Africa.

Nikhil Agarwal is President and Senior partner at Cambridge Global Partners (CGP). Prior, he was Professor of Management and founder Director of Europe Asia Business School. 

Dr Agarwal has founded businesses and advised firms on strategic matters in last 15 years of his career. He has worked with global multinationals like Cadbury's, FIC and Zensar (RPG Group). He has lectured at leading universities like Virginia Tech, Univ of Bradford, Univ of Edinburgh and Univ of Cambridge in visiting capacity. His interviews and work has been extensively covered in international media including HBR, CNN Money, BBC Radio, The New York Times to name a few. 

He has served on many international think-tanks and hold leadership positions in global organizations. He is serving as high-level-advisor to United Nations Global Alliance on ICT & Development (UNGAID); board member at World-Entrepreneurship-Forum and Open Mind Foundation respectively. He was the first Asian to be elected as Co-Chair of prestigious Internet Society Advisory Council (ISOC-AC) for 2008-10. 

He has traveled extensively around the world and worked with global institutions, corporations and multinationals. He has published over 40 research papers, conference publications and articles in leading publications. His current area of interest is in society, technology and policy, entrepreneurship & finance and higher education. Dr Nikhil Agarwal is alumnus of University of Cambridge, United Kingdom.

Dr. Joshua Fogel is a Professor in the Department of Finance and Business Management at Brooklyn College of the City University of New York (USA). He has a PhD in Clinical Health Psychology and completed a fellowship with an emphasis in Psychiatric Epidemiology and Biostatistics. His research interests include e-commerce and e-health. He incorporates psychological and behavioral principles into his research and has a special interest in the cultural aspects of Internet use. His webpage is http://depthome.brooklyn.cuny.edu/economics/fogel.htm

Gordon Jenkins is a Canadian consultant of Jenkins and Associates Inc specializing in systems integration in the Internet. He has lived and worked in India, Singapore, Australia, Hong Kong and Sweden - in that order during the last eight years. His particular interest at the moment is still Internet payments as well as electronic government and electronic democracy. He is on the Board of the International Institute of Business Technologies www.iibt.org Washington DC and works on several others. Gord was the original Editor of the Journal of Internet Banking and Commerce has promised to do no more traveling. When he is not working at the Shriners Circus, his first work love, he can be reached at gordjenkins@sympatico.ca.

Dr. Xin "Robert" Luo is an Assistant Professor of Management Information Systems in Robert O. Anderson School of Management at The University of New Mexico, USA. He received his Ph.D. in Information Systems from Mississippi State University. He has a BA degree from Sichuan Normal University, China, an MBA from The University of Louisiana, USA, and an MSIS in Business Information Systems from Mississippi State University, USA. His research interests center around information security, E-commerce/M-commerce, wireless communications technology, and global IT adoption and management. He has worked as business associate, web project manager, assistant director, and senior web developer in China and USA. He has published numerous research papers and attended international & national conferences including European Journal of Information Systems, Communications of the ACM, Journal of the AIS, Decision Support Systems, Journal of Strategic Information Systems, Communications of the AIS, Journal of Organizational Computing and Electronic Commerce, Journal of Organizational and End User Computing, Journal of Computer Information Systems, Cross Cultural Management, Information Management & Computers Security, International Journal of Information Security & Privacy, and Information Systems Security.

Francis Chlarie is a Belgian consultant specializing in payments and cash management systems.
He works as a business consultant for several large financial institutions in Europe.
His particular interests at the moment are e-banking channels for corporates, mobile payments and integrated cash management solutions.

Francis holds a master degree in Applied Economics from Leuven University, Belgium.
He is also a certified enterprise architect and has obtained a professional certificate of treasury at the Febelfin Academy Belgium (Summa Cum Laude).

Anne-Marie Jennings works with Canada Post Corporation in Ottawa, Canada as an officer in the Anti-Money Laundering Compliance Group. As part of a small team, Anne-Marie develops training and communications materials regarding Canada Post’s strategies to prevent money laundering and terrorist financing through Canada Post money orders and to ensure continued compliance with the Proceeds of Crime (Money Laundering) and Terrorist Financing Act.

Anne-Marie obtained her Anti-Money Laundering Specialist certification in March 2009.

Professor Raed Awamleh is the Director of Middlesex University in Dubai. Prior to this appointment, Dr. Awamleh was the Dean of Academic Affairs at the University of Wollongong in Dubai, and the Assistant Dean of the Faculty of Business at the University of Jordan. Dr. Awamleh is a Full Professor in management and specializes in leadership, strategy, and internet banking. Raed has numerous international management publications in highly reputed journals, and has won a number of best papers awards in international conferences. Dr. Awamleh has a wide corporate consulting and executive development experience across the Middle East in both private and public sectors. His industry experience also included being a lead assessor for prestigious excellence awards such as King Abdullah II Excellence Award, Dubai Excellence Award, and Ras Al Khaima Excellence Award. Dr. Awamleh holds a PhD in Management from the University of Mississippi (USA), an MBA in Finance from Mercer University (USA), and a BBA from Yarmouk University (Jordan). In 2007, Dr. Awamleh completed the Oxford University Strategic Leadership Program at Oxford University, UK.

Carlo Bellini holds Ph.D. and M.Sc. degrees in Management and a B.Sc. degree in Computer Science from Universidade Federal do Rio Grande do Sul (UFRGS) at Porto Alegre, Southern Brazil. He worked several years as systems analyst, DBA, and programmer in the Brazilian software industry, servicing customer companies in industries such as air transportation, news media, and telecom. He is associate professor of Information Systems and research representative at the Management Department, Center for the Applied Social Sciences (CCSA), Universidade Federal da Paraíba (UFPB) at João Pessoa, the Easternmost city of the Americas. He is also vice-director of the newly created Center for Technology and Regional Development (CTDR) at UFPB, which is focused on research and teaching that leverage the local economy through the capabilities of its people, industry and natural resources. Dr. Bellini is chief researcher of the "IT & Society" research group at the Brazilian research agency (CNPq) for promoting IT as a vector of business standardization and positive social change. He is on the editorial board of several peer-reviewed journals and serves as invited speaker, chair, and panelist in academic and professional meetings in Brazil and other countries. In 2009, he and Dr. Rita Pereira edited the very first special issue of an international journal (Journal of Global IT Management) focusing exclusively on IT research in Brazil. Membership includes: ANPAD (Brazil), AIS, GITMA, INFORMS, ACM, ISOC, and the Sloan Industry Studies Program. He invites academics and practitioners to collaborate in research and industry efforts on his main professional interests: IT-mediated social change, IT-mediated organizational improvement, and IT aesthetics. He is also interested in the management of IT professionals, social issues of IT development and use, IT service quality, Internet-mediated communities, IT research methods, and business ethics.

David G.W. Birch is a Director of Consult Hyperion, the IT management consultancy that specialises in electronic transactions, which he helped to found in 1986. Prior to this he spent several years working as a consultant in Europe, the Far East and North America. He graduated from the University of Southampton with a B.Sc. (Hons.) in Physics. A member of the advisory board for European Business Review and the editorial board of Microsoft's Finance on Windows, he has lectured to MBA level on the impact of new information and communications technologies. He has written for publications ranging from the Parliamentary IT Review to Grocery Trader and is well-known for his column in The Guardian newspaper's "Online" section. He is a media commentator on electronic business issues and has appeared on BBC television and radio, CNN, CNBC and other channels around the world.

Dr. Dongyu Chen holds a PhD degree in Management from the Beijing University of Aeronautics and Astronautics, Beijing, People's Republic of China. He is a lecturer in information systems at the Southwest University of Finance and Economics, China. His research interests include Electronic Commerce/Mobile Commerce and Project Management in China. He has published over 20 papers in international/national journals and conferences, and conducted a series of research projects for both university and government.

Dr. Arthur J. Cordell received a Ph.D.(economics) from Cornell University in Ithaca, New York. He has worked for the US Government in Washington and as a business consultant in New York. Arthur was a Science Advisor with the Science Council of Canada where he was closely associated with all Council studies on computers and communications. Arthur moved on to a Canadian government department (Department of Communications which later became part of Industry Canada) where he was Special Advisor, Information Technology Policy. Currently Arthur is Adjunct Professor at Carleton University in Ottawa in the department of Communication Studies.

Arthur's broad area of interest is the social, political and economic implications of information technology for Canadian society, including the 'unintended consequences of information technology.' Arthur has published widely in a number of academic and popular journals. Among other publications he is co-author of Shifting Time: Social Policy and the Future of Work, and The New Wealth of Nations: Taxing Cyberspace. Arthur Cordell developed the idea of the 'bit tax', a way of getting at the productivity of a networked economy. His current research is centered on ways to build trust and confidence in the online world.

Carin Holroyd holds a PhD in Political Economy from the University of Waikato, Hamilton, New Zealand. She has taught at universities in Canada, New Zealand and Japan and administered the MBA Japan Study Abroad Program for the College of Commerce at the University of Saskatchewan. She is currently a Research Associate (Japan Specialist) with the Asia Pacific Foundation, a leading Canadian research institute which focuses on issues of Asia-Canada business relations. She is the author of Government, International Trade and Laissez Faire Capitalism: Canada, Australia and New Zealand's Relations with Japan and Canadian Business Opportunities in Japan: Current Realities and Future Prospects and co-author of Pacific Partners: The Japanese Presence in Canadian Business, Culture and Society,Success Secrets to Maximize Business in Japan: A Hands-On Guide to Tackling Japanese Business Culture and Japan and the Internet Revolution. She is currently working on a book on the culture of innovation science and technology in Japan, with a continuing interest in the commercial applications of the Internet.

Edwin Jacobs is a partner at time.lex (www.timelex.eu) , coming from Monard-D’Hulst Brussels office, where he was heading the ICT practice group. Before that he was the general counsel at Isabel (www.isabel.eu), a leading service provider in e-banking, e-business en e-government. 

Within the Institute for Company Lawyers (www.ibj.be), he founded and chaired the practice group ICT-IP-law. He is also an affiliated researcher at the Interdisciplinary Centre for Law and ICT (www.icri.be) and a member of the editorial board of the Journal of Internet Banking and Commerce.

Edwin is also an accredited mediator in civil and commercial matters and a practice assistant for the course “negotiation and mediation” at the University of Antwerp.  

He read law at the universities of Namur (Belgium, in French, 1991), Norwich (UK, 1993) and Leuven (Belgium, in Dutch, 1994), and studied European law at the Europa-Institut in Saarbrücken (Germany, 1995). In 2003, he obtained a postgraduate degree in company management (Bedrijfskunde, EHSAL Management School, Brussels).

Dr. Hyung Seok Lee is an Assistant Professor of Operations Management in the Faculty of Business Administration at Chungbuk National University, Korea. He received his Ph.D. in Management Science and Information Systems from Korea University, Korea. His research interests are on E-commerce, ICT Service, Service Operations Management and Quantitative Modeling. He has attended national and international conferences and published more than twenty papers including Electronic Commerce Research and Applications, Journal of Internet Banking and Commerce, Telecommunications Review, and Pacific Asia Conference on Information Systems, etc. In 2006, He won an Excellent Paper Award from Korea Service Management Society.

Dr. Alemayehu Molla is a lecturer in information systems at the RMIT University, Australia. Prior to joining academia he has worked as an IT consultant and as a training officer in the Ethiopian telecommunications training institute. His research interests include eCommerce, e-trading, IT adoption and implementations, diffusion, use and impact of the Internet in Africa and the Middle East. His research has been published in the Electronic Commerce Research Journal, Journal of Internet Banking and Commerce, Information and Management, Information Technologies and International Development and Journal of IT for Development.

Dr Dale Pinto is an Associate Professor of Taxation and Head of the Tax Department in the School of Business Law at Curtin University. A/Professor Pinto has published widely in national and international refereed journals and has presented numerous conference papers in the area of taxation. He was the inaugural winner of the Commissioner of Taxation's Award for Research in Taxation and has most recently being invited by the International Fiscal Association to be a panelist for their plenary session at their annual congress which is to be held this year in Buenos Aires. A/Professor Pinto is a member of a number of Professional Bodies including the Taxation Institute of Australia and has recently been invited to join CPA Australia's Centre of Excellence for Taxation. His interests include international tax, electronic commerce, trusts, superannuation and financial planning.

Dr. Jean-Michel SAHUT is a Professor at Geneva School of Business Administration, University of Applied Sciences (Ch). He teaches Corporate Finance and ICT for Finance (e-banking, electronic payments.) for engineering and management students. Previously, he was Associate Dean for Research at Amiens School of Management (Fr), Professor of Finance at Telecom & Management Paris Sud and director of the RESFIN Laboratory (studying impacts of ICT on Finance). He has a wide international experience of executive education, in Europe, especially in Eastern European Countries. He is co-author of the SIMOBIZ, simulation game for the mobile phone market, used by International Union of Telecommunication in its Center of Excellence (www.itu.int). He is also an expert for the 7th EU Framework Program. He has published more than sixty articles about Finance, ICT and services in international peer review journals and five books (http://ssrn.com/author=352212).

Professor Bala Shanmugam is Chair of Accounting and Finance at Monash University, Malaysia. He heads the Accounting and Finance Department and is also the Director of Banking and Finance. Professor Shanmugam has extensive industry experience and has served as consultant to numerous domestic and international financial institutions (UNDP). He is a Director of RHB Bank, and its subsidiary RHB Islamic Bank. He has his basic degree from University of Wales, UK , Masters from University of Ireland, Dublin and Doctorate from University of Wollongong, Australia. He has over 100 papers and 24 books. His areas of interests include Islamic Banking, Electronic Banking and Money Laundering.

Dr. Arun Mohan Sherry is a Ph.D., M.Sc.(Gold Medalist), M.Tech.(Computer Science IIT Kharagpur). His Specialization is in the field of Computer Networks, inter-networking technologies and wireless communications. He has more than 15 years experience in teaching and research. He has delivered a large number of lectures as guest faculty at many universities and Institutes of repute. He had been the Chairman of Fellow Programme in Management. Currently he is the Chairman, Admissions. More than 100 postgraduate students have completed projects under his supervision. Dr. Sherry has published over 25 papers in international/national journals and conferences.  He is an Information Technology Consultant of National Hydroelectric Power Corporation Ltd. (A Govt. of India Enterprise) and a Member of the Task Force for strengthening of Information Technology Application in Ministry of Power, Government of India.

Dr. Yong Sun is currently an Associate Professor of Finance at the Southwestern University of Finance and Economics in China. Dr. Yong Sun received his Ph.D. in Finance from Old Dominion University and MBA in Finance & MIS from Wright State University in the U. S.  His research interest covers corporate finance and investments. His recent research focuses on the behavior of security prices and investment strategies. His publication appears in the Journal of Financial Markets, and the Academy of Accounting and Financial Studies Journal, etc.