Anita Ramaswany is an opinion columnist for Reuters Breakingviews, where she writes about how disruptive technologies shape business and society. She used cover fintech and crypto startups as a senior writer at TechCrunch.

Paul Kesserwani is the founder and CEO of Cushion, a fintech startup based in San Francisco.

Scott Ross Baker is an associate professor of finance at Northwestern University’s Kellogg School of Management and is a Research Fellow at the National Bureau of Economic Research.

Josh Greenblatt is a writer and brand strategist based in Toronto. He is the former editor-in-chief of SHARP, a Canadian men’s magazine, and has bylines in Vogue, GQ, Dazed, Gawker, and more. He received his master’s degree in management of innovation from Goldsmiths, University of London, specializing in behavioural economics and marketing. Josh’s coursework involved real briefs from Flamingo and the UK government, and his thesis focused on the cultural resonance of the slow fashion movement among Gen Yers. After graduate school he worked in brand strategy and innovation agencies in London.