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Doris Messina Director – Marketing and Commercial Organization Banca Sella Holding, Biella 13900 Italy; email: [email protected] Since 1996 Banca Sella has been developing new distribution channels and innovative services such as phone banking, advanced internet banking, remote banking for corporate customers and e-commerce. Director of Marketing and programme manager of innovation development in the Customer-Bank dialogue since 2010 – Banca Sella Holding. Recently, Banca Sella was the first in Italy to develop an application both for iPhone (2008) and iPad (2010) and, at the same time, to diversify the Customers-Bank dialogue on different and innovative channels, such as the chat, the virtual assistant and Skype. 2009 Director of Marketing and Commercial Organization – Banca Sella Holding Review of the sales model and of organizational services for the distribution network. Design of a new branch model, introduction of a portfolio approach. Design of a technical solution for Customers through the use of innovative tools. 2004 Director of Marketing and Direct Channels – Banca Launch of the Sella.it brand, which includes the whole of Banca Sella’s online services. 1998 Head of the Web-marketing Area – Banca Sella Launch of the first online current account in Italy. First trading online transaction in Italy. Programme Manager in European Educational Projects 1996 - 1997– Didael S.r.l – Milano (Italy). Sella Holding