Bart Narter is a senior analyst in Celent's banking group based in the firm's San Francisco office. Mr. Narter's areas of expertise include emerging technologies affecting retail financial services, with a particular emphasis on branch automation, in-store banking, core banking systems, and service-oriented architecture.

Eskander Matta is Senior Vice President in the Internet Services Group (ISG) of Wells Fargo. He is responsible for managing the ISG Online Payments, Mobile Banking and Business Internet Services teams. Eskander previously managed online sales functionality and the customer experience across wellsfargo.com.

Ed Page is a Senior Vice President and Business Information Officer in National City's Information Services Division. Based in Cleveland, Ohio, Ed has overall responsibility for the strategic and tactical management of all core banking applicationsPalmieri is Managing Director of Citibank Direct, which launched in late March of 2006, is currently the 45th largest bank in the US, in terms of deposits. Under her leadership, Citi retail bank online sales grew from $14 million in 2001 to over $13B in 2006.