STEVEN I. DAVIS is a graduate of Amherst College and the Harvard Business School. He has spent his career in finance as a banking executive, management consultant, researcher, author and teacher. During his twenty year banking career, he was an officer of JP Morgan and Bankers Trust as well as the Managing Director of a London-based merchant bank. Since forming Davis International Banking Consultants in 1980, he has directed strategy studies for over 100 banking clients in the US and Europe. I lives in London.