Banco Popular de Puerto Rico

Dan Fisher is a senior manager with Accenture and is a member of Accenture's North American Business Intelligence practice. He joined Accenture in 1995 and is based in Dallas, Texas. Fisher leads and serves as subject-matter expert on cross-industry client implementations that include data warehousing, performance management, customer insight and analytical applications. Please contact Fisher at daniel.fisher@accenture.com.

Dr. Dursun Delen is the assistant professor for the Oklahoma State University Department of Management Science and Information Systems.

Dr. A. William McVey is a professor of marketing at Webster University and author of the book, Value Proposition Marketing: How to Know, Get and Retain Customers. McVey studied media under McLuhan and is a widely respected, international business consultant who has worked with clients such as American Century Investments, Sprint, Bank of Montreal and PPG. You can contact him at awmcvey@earthlink.net.

Frank Gelbart is president and CEO of Appfluent Technology, the business intelligence infrastructure company. During his 19-year career in enterprise software, Gelbart has been involved with early- stage, venture-backed software companies, three of which were acquired by publicly traded companies and one had a successful IPO. Prior to Appfluent Technology, Gelbart was VP of Worldwide Sales at Peakstone Corporation, a venture backed start-up pioneering a new category of e-business capacity management solutions for the enterprise. Gelbart has held senior management positions at Entevo Corporation, Cheyenne Software and Equinox Corporation. Visit www.appfluent.com for more info.

James Christensen is president and chief executive officer of Ernex Marketing Technologies Inc.(www.ernexinc.com) in Vancouver, a provider of real-time marketing solutions including loyalty programs, gift cards, rewards fulfillment services and loyalty database hosting services.

Allen Lazzara is vice president of Technology Consulting Associates, LLC. Headquartered in Atlanta, Georgia, TCA provides expert technology and business consulting services in a wide range of industries. For further information, call 404-303-1795 or visit the company�s Web site at www.tca-llc.com.

Christina Steensboe joined IDC's European Software Group in 1999, and she currently manages the European Business Intelligence and Analytic Applications research service. In this role, Steensboe provides coverage of the business intelligence, analytic applications and data warehousing markets in Western Europe from both the supplier and end-user perspectives. She has published numerous research documents addressing the latest market trends and future directions in the business intelligence and analytics markets across Europe. Additional information on IDC's research and consulting opportunities is available on www.idc.com. You can reach her e-mail csteensboe@idc.com.

Mike Timmons is a director of engineering, Sybase Enterprise Portal. Timmons has 20 years of programming and software development management experience in North America, Europe and Asia. He has worked in diverse fields such as machine translation, pattern and biometric recognition, enterprise solution software, operating system localization, communication protocols, and handwriting recognition. He has led both large and small software development teams that created an industry-leading dynamic handwriting recognition system, Apple�s single most successful international product � Kanji Talk), the first distributed newspaper publishing system adopted for use in Japan and the first Internet-based European-language machine translation system. You can reach him at mtimmons@sybase.com.

David J. Santoro, Jr., CPA, is a principal and senior specialist within The North Highland Company�s Marketing and Customer Interaction practice. Santoro has more than 12 years of experience in large project management and consulting, and specializes in information-driven marketing. He is skilled at helping organizations use data and analytics to build valuable, intimate customer relationships. He also has considerable international experience across multiple industries as well as in the e-business arena.

Glenn Rutz has been designing and building data warehouses and decision support systems for about 12 years. He is currently a data quality analyst for a large corporation. You can reach him at gkrutz@attglobal.net.