Ulf Mattsson is the Chief Technology Officer for Protegrity, a leading provider of Data Security Management Solutions. Ulf created the initial architecture of Protegrity’s database security technology, for which the company owns several key patents in the areas of Encryption Key Management, Policy Driven Data...
Francesc Prior Sanz has extensive international experience both in academia and in the financial services industry. In academia, he currently serves as Research Associate at IESE Business School (Barcelona) and as Associate Professor of Banking and International Finance at Universitat Internacional de Catalunya (Barcelona). From...
Josh Frank is Senior Researcher for the Center for Responsible Lending. Josh received his Ph.D. in Economics from Rensselaer Polytechnic Institute, his MBA from Texas Tech, and his BA from the University of California at San Diego. At CRL, he conducts research primarily on credit card issues...
Alya Guseva is Associate Professor of Sociology at Boston University. Her interests include market emergence and consumer credit, especially in the context of the East European postcommunist transition. She is the author of Into the Red: The Birth of the Credit Card Market in Postcommunist...
Jennifer S. Martin is Visiting Associate Professor of Law, University of Oregon School of Law. Professor Martin can be reached at jsmart@uoregon.edu. J.D. Vanderbilt University School of Law; B.S. University of Nevada, Las Vegas. Portions of this article are based on an article that first...
David VanHoose earned his B.A. in economics at Indiana University and his Ph.D. in economics at the University of North Carolina at Chapel Hill. He is currently the Herman W. Lay Professor of Private Enterprise at the Hankamer School of Business at Baylor University. VanHoose...
Dr. Hyytinen works currently as Professor of Economics at the School of Business and Economics at the University of Jyväskylä, Finland. Before joining the university, he worked at the Financial Markets and Statistics Department of the Bank of Finland and at the Research Institute of...
Wim Westerman is a fellow of the University of Groningen’s Center for International Banking, Insurance and Finance. Wim specializes in treasury management, capital budgeting, and management control in the Netherlands, the rest of Europe, and South Africa. He writes regularly about issues in scientific and...
David S. Evans has been a business advisor to many payment companies around the world. He is the author of Paying with Plastic: The Digital Revolution in Buying and Borrowing which is the definitive source on the payments industry. His more recent work is “Innovation...