The ITC management and value creation into a multi-stakeholder model. The AccountAbility1000 new standard, the stakeholder engagement and the European Union. ITC, Web 2.0, web portals peer-to-peer, costumers and democracy. The many challenges in the banking sector: revenues, competition, financial risk, evolution of customer needs, changes in ITC, and related consequences: multichannel banking, e-nomadism, network communities, Web 2.0 and so on. The cases of Banca Intesa and SanPaolo Imi, now Intesa SanPaolo bank.