By Gabriel Schild, Dennis Kolenbrander and Andrew Bruininga
Gabriel Schild is a senior manager of consulting and leads Cognizant Business Consulting in the Benelux and Nordics regions. Dennis Kolenbrander is a manager of consulting and focuses on business and technology alignment. Andrew Bruininga is a senior consultant and specializes in the use of technology in the Financial Services sector. All three authors are with Cognizant Consulting.