Stephen Valdez is a retired financial trainer and consultant. He formed Valdez Financial Training in 1985 to provide simple introductory courses on financial markets.

Philip Molyneux is Dean of the College of Business, Law, Education and Social Science, and Professor of Banking and Finance at Bangor University, UK. His main area od research is on the structure and efficiency of banking markets and he has published widely in this area. He has also published a variety of texts on banking areas and in the past has acted as a consultant to New York Federal Reserve Bank, World Bank, European Commission, UK Treasury, Citibank Private Bank, Barclays Wealth, McKinsey & Co, Credit Suisse and various other international banks and consulting firms.