Dr Anders Kjellman is the Managing Director of AKC and former Chairman of the European Investment Bank's activities in Africa, Asia and Latin-America. He is the author of several books and articles on bank management and entrepreneurship. Dr Taisto Kangas is a former Bank Manager. He gained international bank experience from Pittsburgh National Bank, American Express Bank and over two decades of co-operation between Der Sparkasse Leverkusen and Oulu Savings bank. He acted as an advisor on the financial crisis in Estonia. Dr Risto Tainio is a Professor Emeritus of Organisation and Management at Aalto University. He has been a visiting scholar at European Institute for Advanced Studies in Management and Stanford University. He is the author and co-author of several books and articles on the restructuring of banks, and the transformation of the business system, in the era of emerging investor capitalism.