David’s experience has encompassed civil engineering, software for the Accounting Profession throughout the English speaking world from 1974, including for all of the big firms at various times and places, and thousands of other practices, and now blockchain initiatives.

After civil engineering and computing in Australia, South Africa, and Namibia, David became one of Australia's leading entrepreneurs in the 70s and 80s, supplying solutions (software and hardware) for the Accountancy Profession and Enterprises in 15 countries around the world. Later the adventure involved Hong Kong, New Zealand, the UK, Antigua & Barbuda, Panama, and now St Lucia.

Following a period of thinking and research about modern accounting and financial reporting needs post XBRL in 2011 to 2013, then self-learning about blockchain from 2014, and formal blockchain study in 2017 via B9Lab Academy leading to Ethereum Blockchain Developer certification, David conceived the idea of combining his knowledge and work with that of his co-founders of TARI®, and the 3rd generation blockchain advances in progress, to bring Pacio to life.

Currently Professor and Head, Financial Management Department, IBR School of Executive Management, Steinbeis University Berlin.

Professor Dr Keith Cleland’s background includes seagoing as a cadet and navigating officer, consulting with an international consulting group, full professor and Head of Departments of Accounting and Business Studies at three universities, chairman of private and public companies and co-founder of the International Christian Chambers of Commerce.

For the past twenty-five years, he has actively consulted with the accounting profession and their business clients, helping identify and provide solutions for underlying business problems, which led to the crystallisation of TARI® software currently installed in numerous accounting practices and adopted by numerous businesses, small and large, with turnovers ranging from $250,000 to $12,000,000,000+.

Keith has published many papers and books on accounting and TARI®.

Moved from a banking background to grow a CPA Public Practice around business clients from manufacturing, service, contracting and retail sectors.

Developed and sold ‘TaxPrep’ in 1980 - the first Australian Income Tax Preparation software.

As Technical co-director of Focus Based Management Pty. Ltd., Trevor was instrumental in developing TARI® related software to help business advisers and their clients apply the findings flowing from the research undertaken by Dr Cleland, which was taking place at the coal-face of business.

His software became a key tool in speedily identifying and eliminating the key obstacles to an improved bottom line. Businesses experiencing difficulties and winning only 1 in 16 quotes found they were now winning 1 in 4 quotes; businesses putting 25% on their jobs to cover profit and never ending up with more than 5%, found themselves achieving profits they could never have imagined. And not just manufacturing and service sectors, distributors and retailers also shared in a new way of looking at their businesses seeing change for the better within a matter of weeks.

Trevor supervised support and upgrades for more than 750 accounting practices in Australia and overseas, and conducted introductory and advanced workshops in management advisory techniques.

Other interests include Baseball Umpiring, having been President of the NSW Baseball Umpires Association Inc. for 7 years and an accredited ABF Umpire Instructor.