Introduction: After the Crisis -- Sensitivity Towards Hidden Risks -- Bank and Insurance Regulation -- The Role of Innovations -- Brain vs. Banking.- Innovation: Creative Solutions -- IT Innovations -- Internal Audit -- Intelligent Solutions -- Documentation -- Communication -- Education -- Modern Teamwork -- Banking Culture: Meaning of Culture -- Future Culture.- Education: Education Yesterday -- Education Today -- Future Educational Methods -- Measuring the Health of an Organization: Meaning of Values.- Internet and Socializing: Digital Information Transformation -- The Value -- Future of the Internet -- Online Security -- Brain, Creativity vs. Bank, Innovation: Practical Approach -- Brain and Stress -- Logic or Intuition -- Magic Moment -- On-Going Projects and the Brain's Nature -- Avoid Hidden Risks -- Banks of the Future: Workplace -- Complexity in the Future -- Project Management -- Security -- Technology -- External Service Providers -- External Employees -- Employees -- Clients -- Added Value -- Many Enriching Encounters.