JOSEPH A. DIVANNA is an independent author, consultant and global public speaker based in Cambridge, England, where researches the dynamics of business over the last ten centuries. A thought leader and reengineering practitioner formerly with CSC Index's Research and Advisory Services, he is currently the CEO of Maris Strategies Ltd and author of Redefining Financial Services (Palgrave Macmillan, 2002), Thinking Beyond Technology (Palgrave Macmillan, 2003) and Synconomy: Adding Value in a World of Continuously Connected Business (Palgrave Macmillan 2003). - FRANCOIS AUSTIN has focused on translating business strategies and ideas into demonstrable commercial results. He specialises in strategy, post merger integration, innovation and driving performance within existing business units. A co-founder of the Corven Group, Francois has worked in the US, Asia and Europe. He has also contributed to a number of best-selling management books. -