Lowell Bryan is a director at McKinsey & Company. His most recent book is Race for the World: Strategies to Build a Great Global Firm, published by the Harvard Business School Press (1999). Over the last 30 years, he has spoken and written extensively on strategy, organization, and financial service topics. He is a frequent contributor to the Wall Street Journal editorial page and his articles have appeared widely including in the Harvard Business Review and the McKinsey Quarterly.

Claudia Joyce is a principal at McKinsey & Company. She is a core member of the Financial Services Practice where she has worked with companies on a wide array of organizational and strategy questions, and has published multiple articles in the McKinsey Quarterly.