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