Juan Gonzalez is a Cutter Expert; a Partner at Arthur D. Little (ADL), where he leads the Financial Services practice; and an IEEE Senior Member. Prior to ADL, he led strategic development at Indra, a leading technology company in Spain and Latin America. Mr. Gonzalez has worked extensively on the impact of technological change on the information flows that shape organizations and their interaction with the environment. His current focus is on financial institutions, where he has developed a view on technology and business models evolution and the relationships between traditional institutions and new entrants in the changing ecosystem. Mr. Gonzalez earned a telecoms engineering degree from Universidad Politécnica de Madrid, Spain; a law degree from Complutense University of Madrid; and an MBA from The Wharton School of the University of Pennsylvania. He can be reached at email@example.com.