Hans Kasper is Professor of Services Marketing and Retailing at Maastricht University, The Netherlands and was former president of EMAC (European Marketing Academy). He is also director of ETIL, a research and consultancy agency. Piet van Helsdingen is Senior Vice-President within the international division of ABN AMRO bank and focuses on restructuring and marketing. He lectures in marketing of financial services. Wouter de Vries jr lectures in services marketing at The Free University, Amsterdam, The Netherlands and is a consultant for service companies.