JJ Hornblass founded and heads up Royal Media, an information company serving the banking and air cargo sectors. He has written for American Banker, the New York Times, International Trade Daily, and edited a business magazine in Hong Kong. He has also taught journalism at Yeshiva University and City University of New York (CUNY) and has won journalism awards from the Newsletter Publishers Foundation and the Reader's Digest Foundation. JJ has a MS from Columbia University Graduate School of Journalism and was a National Press Foundation fellow at the University of Wisconsin-Madison's Graduate School of Banking. He blogs at BankInnovation.net (http://www.bankinnovation.net).