Nahum Goldmann, President, ARRAY Development is a leading expert and a renowned lecturer on building and securing ecommerce and egovernance (Internet banking and commerce, procurement, financial and governance) solutions. He has extensive knowledge of electronic commerce environments and of government practices in transactional delivery of procurement, travel and administrative services. Mr. Goldmann is considered to be a pioneer in conceptualizing Extranet Business Communities and developing business vision, transactional costing, security environment and functional specifications for such communities. Mr. Goldmann's methodologies on development of mission-critical ecommerce processes are based on his numerous books and articles. He lectures on Internet Marketing for graduate students at the School of Management at University of Ottawa, has been a visiting lecturer at a number of leading universities and a keynote presenter at numerous Internet Commerce and Governance conferences in the US, UK, Canada and around the globe.

Dr Nikhil Agarwal is an international expert on ICT & Development, Internet Governance and eGovernance. He is currently serving as Director of Zensar Center for Business Innovation (www.zcbi.org) based out of Pune, India. Other then his full time responsibilities, he serves on various international & national committees on ICT & IG. He is High-Level-Adviser to United Nation's Global Alliance on ICT & Development (UNGAID www.un-gaid.org). In 2008, he is nominated at council of experts of International Commission on Workforce Development (ICWD www.icwfd.org). He has published more than 29 papers in international journals such as IEEE & many articles / research notes in various business magazines. Dr Agarwal has more than 12 years of teaching experience, having taught in full-time and visiting capacities at various universities such as University of Cambridge (UK), University of Bradford (UK) and Virginia Polytechnic Institute and State University (US).

Dr Agarwal has an M.Phil Technology Policy from the Cambridge-MIT Institute, University of Cambridge, UK, and a Doctorate in Management from Institute of Management Technology (IMT), India. He is also the recipient of several awards including Sir Dorabji Tata Trust Award, Cambridge Trust Award and has received grants from Malta-based Diplo Foundation.

Dr. Joshua Fogel is an Assistant Professor in the Business Program of the Department of Economics 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 Communications of the ACM, Journal of the Association for Information Systems, Communications of the AIS, Journal of Organizational and End User Computing, International Journal of Information Security & Privacy, Information Systems Security, JIBC, AMCIS, DSI, and IRMA, etc.

Anne-Marie Jennings is a graduate of the University of Western Ontario. Currently employed as the Managing Editor for the Inuvialuit Communications Society based in Inuvik, NT, Anne-Marie is in charge of the publication of Tusaayaksat, a bi-monthly aboriginal publication specifically for the Inuvialuit of the Western Arctic.

Raed Awamleh is an Associate Professor in Management and Dean of Academic Affairs at the University of Wollongong in Dubai (UOWD). Prior to joining UOWD in the early 2001, Dr. Awamleh was the assistant Dean of Business School at the University of Jordan. Raed is an active researcher in leadership, strategic planning, and internet banking. He publishes in international scholarly journals and presents regularly at academic conferences. In 2003, he won "Best Paper Award" in the International Applied Business Research Conference in Acapulco, Mexico, and again in Edinburgh in 2004. Raed is also active in consulting and corporate training activities in the Middle East region across different industries. Clients include, Qatar Petroleum, Ministry of Labor Bahrain, Ministry of Interior UAE, Customs Department Jordan, Qatar Telecom, and SESCO Power Company Saudi Arabia. He also serves as a lead assessor for several awards including the Dubai Excellence Award and King Abdullah Excellence and Transparency Award. Dr. Awamleh holds a BBA from Yarmouk University (Jordan), an MBA from Mercer University (USA), and a Ph.D. in Management from the University of Mississippi (USA).

Dr. Carlo G. P. Bellini holds a Ph.D. and an M.Sc. degrees in Management (Information Systems) and a B.Sc. degree in Computer Science (Application Software) from Universidade Federal do Rio Grande do Sul (UFRGS) at Porto Alegre, 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 vice-head of the Graduate School of Management at the Center for the Applied Social Sciences (CCSA), Universidade Federal da Paraba (UFPB) at João Pessoa, Brazil the Easternmost city of the Americas. He publishes regularly in Brazilian and international journals, and serves as invited speaker, chair, and panelist in academic and professional meetings in Brazil and other countries like EnANPAD (the leading Brazilian conference on management), EnADI (the leading Brazilian conference on information systems), and GITMA (the leading international conference on global IT management). Membership includes the following societies: ANPAD (Brazil), AIS, GITMA, INFORMS, and IRMA. He invites fellow researchers and practitioners to collaborate in research and industry efforts on the management of IT professionals, social issues of IS development, IS service quality, Internet-mediated communities, research methods, IT education, 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. Arthur J. Cordell received a BA from McGill University and 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 has also published widely in a number of academic and popular journals. Currently, Arthur Cordell is Special Advisor, Information Technology Policy, Industry Canada, Ottawa. His area of interest is the social, political and economic implications of information technology for Canadian society. He is co-author of such recent books as, Shifting Time: Social Policy and the Future of Work (1994); The New Wealth of Nations: Taxing Cyberspace (1997). Arthur Cordell developed the idea of the 'bit tax', a way of getting at the productivity of a networked economy. His current research is centred on the 'unintended consequences of information technology.'

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.

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 Saarbrcken (Germany, 1995). In 2003, he obtained a postgraduate degree in company management (Bedrijfskunde, EHSAL Management School, Brussels).

In 1995 he started to practice law, specialising in commercial law, intellectual property law and ICT-law. He became a company lawyer (July 2001-March 2007) and was responsible for the legal department of ISABEL, a leading service provider in e-Banking, e-Business (i.a. electronic invoicing) and e-Government.

Within the Brussels based Institute for Company Lawyers, he founded and chaired the practice group ICT-IP-law. Since December 2003, he is also an affiliated researcher at the Interdisciplinary Centre for Law and ICT (ICRI, University of Leuven).

Edwin is also an accredited mediator in civil and commercial matters, with focus on ICT and IP. He frequently speaks and writes about ICT-law and/or intellectual property.

In 2006 en 2007 he was nominated for a Belgian Legal Award. He is a member of the Brussels bar and a sympathising member of the Institute for Company Lawyers.

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 Amiens School of Management. He teaches Financial Market, Financial Analysis and ICT for Finance (e-banking, electronic payments.) for engineering and management students. Previously he was professor of Finance at Telecom & Management Paris Sud and director of the RESFIN Laboratory (studying impacts of New Technologies on Finance). He has a wide international experience of executive education, in France and abroad, especially in Eastern European Countries. He is co-author of the Mobilix simulation game for the mobile market. He is also an expert for the 7th EU Framework Program. He has published more than twenty articles about Electronic Finance in peer review journals : The Journal of Internet Banking and Commerce, International Journal of Business, La Revue du Financier, Finance & Technologies, Banque et marches, Gestion 2000, Banque Magazine, etc.

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.