Richard Zbinden

collaboration 2.0 blockchain leadership transformation digital schweiz ict value swiss edv creation wertschöpfung switzerland vision ilcm iam knowledge integrity system 3.0 web venture capital sictic business angel cost dinamics crypto valley cryptofinance investing family office banking customer journey wealth management private banking organisational transformation programme innovation business model prospérité informatique valeur ajoutée suisse informatik cloud swift reconciliation messaging sepa