Acknowledgments

Much of this book is based on my own experiences as a bank executive. Naturally, it reflects my own opinions and thoughts about the banking industry.

This book is also a work of journalism, however, and I have relied on the testimonies of many expert sources to tell the stories contained in these pages. For their time, energy, advice, and insight, I am indebted to Scott Bales, Rameshwar N. Bhargava, Steve Blank, Annetta Cortez, Michael Faye, Greg Fell, Ajay Hans, Matthew Holt, Farhad Irani, Neal Kaufman, Brett King, Harvey Koeppel, Art Mannarn, Jim Marous, Phillip M. Miller, Stan Nowak, Todd Nuttall, Don Peppers, Banesh Prabhu, Narayanan Ram, Carlo Ratti, Greg Satell, Mick Simonelli, Chris Skinner, Steven J. Smith, Danny Tang, Jonathan Teich, Jim Tosone, and Edward van Eckert.

I also wish to thank my editors at John Wiley & Sons, including Sheck Cho, Stacey Rivera, and Chris Gage. I owe a special debt of gratitude to Mike Barlow, who served as editorial director and producer of this project. Without Mike's support and persistence, this book would not have been possible. Thanks, Mike!

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