Francis Chlarie works as a business consultant in payments and cash mangement for several large financial institutions in Europe. His particular interests at the moment are e-banking for corporates and integrated cash management solutions. Francis holds a master degree from Leuven University, Belgium. He is also certified enterprise architect and has obtained a professional certificate treasury at the Febelfin Academy Belgium (Summa Cum Laude).

Nahum, 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,