Richard Palmer is the Lumpkin Distinguished Professor of Business at Eastern Illinois University.  He is the author of over 50 professional publications, most about the industry use of commercial cards and e-procurement tools.  Richard's e-commerce and commercial card insights have been quoted in U.S. Senate hearings, the Wall Street Journal, Business Week, CNN Money, CBS News MarketWatch, American Banker, Business Finance, Purchasing,CFO, Treasury and Risk Management, Financial Executive, Credit Card News, Cards International, Credit Card Management, Federal Times, and Government Procurement, among others.

Mahendra Gupta is the Virgil Professor of Accounting and Management at the Olin School of Business at Washington University in St. Louis. His research primarily focuses on topics of cost management, performance measures, benchmarks, e-commerce, and commercial cards. He has been published in leading acadecmic journals in the United States and abroad and has served on editorial boards of several international academic journals. Prfoessor Gupta is a frequent speaker at research workshops and business conferences worldwide. He has been a consultant to various firms and government agencies.