ALFREDO ZINGALE is Founding Partner of Xnova Consulting Sarl, an International Strategy and Marketing Management consultancy based in Switzerland and focused on customer-centred value delivery and market development. He is also on the board of technology start-ups incubator NMI New Markets International, e-services applications developer WebResults and financial services company ADR-Invest. He is a former Hewlett-Packard Europe executive with 30 years of international management experience in marketing, sales, business development and customer development for technology products. Within Hewlett-Packard he pioneered the application of IT, Information Management and New Media to the marketing, sales and support functions. Alfredo Zingale received Bachelor and Master of Science degrees from Columbia University, NYC and business education from INSEAD. MATTHIAS ARNDT is Senior CRM Consultant within Hewlett-Packard Consulting. After his studies in economics and computer science, he spent several years in software engineering and in customer education. The following ten years saw him involved in marketing at Hewlett-Packard, from product management to European and worldwide marketing roles focusing on Hewlett-Packard's installed customer base. He was responsible for the development and implementation of new Customer Relationship Management programs as well as e-Business services aimed at HP's European large accounts in the industrial and consumer markets. Since 1999, when he joined the HP Consulting practice, he has taught CRM seminars and helped customers define and implement their short- and long-term CRM vision and strategy with a special focus on the multi-channel, e-CRM environment.