She holds a PhD, MBA and BA, all from the University of Rhode Island where she specialized in finance and marketing.Before her doctoral studies, she spent many years working in the U.S. banking and IT consulting industries. Her primary research focus is on the informational interfaces between consumers and businesses in an information-driven economy, with a special interest in public policy and privacy-related issues. In addition to her primary research area, she conducts research in advertising/consumer behavior and gift card programs. She has also acted as an external consulting resource for the European stored value industry and more recently has become involved with consumer behavior in the financial industry.Norberg may be reached at 203-582-8256 or patricia.norberg@quinnipiac.edu.