Franco Carlo Papa (Chairman of PGS Consulenti) and Luca Sala (Partner of PGS Consulenti) note how Italian entrepreneurial culture, which has always valued reserve, is hard to reconcile with the ever-increasing demand for communication, information and transparency by the banks. This is all the more important in the bank-centric Italian system. In order to overcome crisis successfully, the new challenge is to adopt an innovative model in terms of culture, governance and transparency, creating a managerial structure, in part through merger processes, that is increasingly less tied to the charismatic figure of the founder, thus contributing to the growth of the company and more in general of the Italian competitive environment.