Stephen Ashurst (co-author Blockchain Applied published by Taylor & Francis/Routledge/Productivity Press 2021, contributor AI and the Law published by Edward Elgar 2022) is a professional technology consultant helping private banks, wealth managers, financial advisers and Governments (UK and Bangladesh) analyse, articulate and deliver complex technology and service propositions. Stephen holds an undergraduate degree in Philosophy, Politics and Economics (PPE) with Mathematics, a Diploma in Law and attended the post-graduate Bar Practitioner’s Course. Kevin Wooldridge has worked in the financial technology industry for over thirty years, helping to deliver financial market infrastructure projects and drive global standardization initiatives. Kevin has a BSc in Physics with Astrophysics. Kevin is also a co-author of Technology Applied with Stephen Ashurst and is due to publish August, 2024 by Routledge. Andrew Cook is a technology consultant and DeFi entrepreneur.