Mario Smeets is a management consultant for banks, insurance companies and financial service providers. One of his consulting focuses lies in the area of process management and automation.Ralph Erhard is founder of DCP Deutsche Consulting Partner. His consulting focuses include strategic and organizational issues for banks, insurance companies and service providers.Thomas Kaußler is founder of DCP Deutsche Consulting Partner. His consulting focuses include implementation and migration projects for banks, insurance companies, service providers and system providers in the capital market business.