Deborah Reuben, CLFP, is CEO & Founder of TomorrowZone, a technology strategy consulting firm specializing in advising leaders who want to make smarter decisions today and create a resilient and more profitable tomorrow.

Ellie Delaney is a freelance editor based in Philadelphia.

These articles have been collaborated on by multiple members of the Monitor staff.

Mukul Mittal is the vice president of leasing for Q2 and leads the leasing vertical for the company. He also is closely involved in all phases of product in design and delivery. Mittal has more than 20 years of experience in software product development, project management and systems implementation, and has a deep understanding of the financial services industry, especially equipment leasing.

Rita E. Garwood is editor in chief of Monitor.

Scott Thacker serves as CEO of Ivory Consulting and on the Board of Directors of the Equipment Leasing and Finance Association as well as its Financial Accounting Committee. He also serves as the co-director of the Research Committee of the Equipment Leasing and Finance Foundation. Prior to joining Ivory Consulting, Thacker was a partner at Accenture responsible for creating and delivering management consulting and software solutions to the North American equipment leasing and asset finance industry. Previously, he held leadership positions with Oracle where he was instrumental in creating the company’s now widely used Oracle Lease and Finance Management application, and with American Airlines, where he was involved in executing aircraft, equipment, real estate leases and other financial transactions.