David Maloney received his Master's Degree in Computer Science from Norfolk State University in the USA, and is now pursuing Doctorate Degree in Computer & Information Science at Towson University in the USA. He worked as an Analyst at ITnova Consulting (2018–2024). In 2024, he was promoted to Senior Analyst at ITnova Consulting. His research topics mainly include fintech, peer-to-peer lending, machine learning, data analytics, and predictive analytics.

Dr. Sungchul Hong is an Associate Professor in the Department of Computer Information Sciences at Towson University, USA. Dr. Sungchul Hong is engaged in research in genetic algorithms, constraint logic, commodity market mechanisms, artificial neural network techniques in business, and isotonic data separation for web information filtering.

Dr. Barin Nag is a Professor at Towson University, USA, and UGSM-Monarch, Switzerland. He has a Ph.D. in Operations Research and Computer Science, with prior degrees and industry experience in Electronics Engineering. He has over 50 publications in operations management, manufacturing, quality management, information technology, and artificial intelligence applications. His research interests are decision-making, cybersecurity, and technology strategies. He has industry work experience in electronics manufacturing and systems engineering. He is a member of INFORMS and IEEE, and is active in both societies.