Ramakrishna Ramadugu is a highly qualified Exprt Business Consultant with Finastra Technologies, based in 12600 Deerfield Parkway, Alpharetta, GA, 30004, United States. Possessing more than 18 years of knowledge in the payments domain, Mr. Ramadugu has had the opportunity to collaborate with some of the top banks globally, promoting and enabling the implementation of modern payment solutions. Additionally, he has spent six years in research in the area of Fintech and Cybersecurity. Mr. Ramadugu edits the International Journal of Science, Engineering and Technology thus further demonstrating his editorial responsibilities and zeal for knowledge advancement in payments and fintech field. He is well versed in a number of technologies such as Cybersecurity, Artificial Intelligence and Blockchain as applied in financial technology.

Laxman Doddipatla is a Technology Engineer at PNC Financial Services, 620 Liberty Ave, Pittsburgh, PA 15222, USA. He has approximately 16 years of experience in the Securities Lending and Payments domain. Mr. Doddipatla has worked with major banks to deliver and implement state-of-the-art payment processing solutions. Besides development, Mr. Doddipatla carries a very good research profile as a research scholar in Science, Engineering, and Technology, having six years of experience. He also works as an Editor for Engineering and Technology Reviews, playing a major role in ensuring the publication standards of academics in the journal. Highly recognized in the fields of Artificial Intelligence, Cybersecurity, and Blockchain applications to financial technology, Mr. Doddipatla is highly invited to be a speaker at many a forums. He speaks frequently on bringing the best practices of critical thinking into business and technology-based research. He contributed both as a lead and co-author to a number of high-impact review articles.