Dr DK Bhattacharyya: He  is Professor at Xavier Institute of Management, Bhubaneswar. He holds an MA in Economics from  Jadavpur University  and PhD from Calcutta   University. He has  extensive teaching experience at leading management institutes. He has  published several articles in journals and written textbooks that have been  prescribed in many universities.
  Sutapa Bhattacharya: She is a postgraduate in  psychology and a practicing psychologist. She has a strong experience in the  banking sector.