Asli Demirgüç-Kunt is Director of Development Policy in the World Bank's Development Economics Vice Presidency and Chief Economist of the Financial and Private Sector Development Network (FPD). She is the coeditor of Financial Structures and Economic Growth: A Cross-Country Comparison of Banks, Markets, and Development (MIT Press, 2001).

Edward J. Kane is James F. Cleary Professor in Finance at Boston College.

Luc Laeven is the Director-General of the Directorate General Research of the European Central Bank and coeditor of Deposit Insurance around the World (MIT Press).