The development of technological innovation is one of the key factors for ensuring long-term economic growth.

Informal employment has risen in Latin America in the last two decades. This is a product of economic crises, labour market liberalisation, and welfare reforms. There is an important gender dimension to informality. An important part of the ethnic identity of Latin American peoples is the tangible and intangible cultural heritage that forms its heritage ethnographic today. Cultural roots molded by the geographic and environmental diversity of the Americas, particularly the rich biodiversity of Latin America that generated from the point of view of human adaptation many successful experiences of a wise territorial and ecological handling.

The importance of diversity is a foundational belief for the innovative leaders and people working in creativity and innovation;
To stimulate new ideas, facts, experiences, possibilities, insights, perspectives and skill sets need to bump up against each other in new ways. It is almost impossible to have something new come out of the same people thinking in the same ways. The diversity that matters is how they see the world, their experiences, the skill sets they bring to the situation, and the way they think: That is the intangible diversity

To remain competitive, banks must increase profitability and fuel growth. Outsourcing non-vital services can enable banks to focus on meeting these goals. Changes in Spain?s financial landscape are forcing domestic banks to review their business models and organisational structures.

Banks, and their employees have been undergoing rapid change over the past decade or so. Branch banks have proliferated as well, and many commercial banks have gone into nontraditional commercial banking businesses such as selling insurance products and securities. The traditional commercial banking employe profile is now a commercial and customer oriented person.

In the last two years, many on-line bank clients have received text messages, calls or even e-mails asking for personal information. This is the latest in a series of financial frauds that is shaking the confidence of many online users.
Phishing is a term coined in the 1990s to describe a new type of fraud in which the personal information of on-line bank clients is stolen, including passwords, bank accounts, credit card numbers and identities. The crime entails a mass-mailing of messages and e-mails in which the criminal impersonates a bank or company

Financial ompanies must be able to anticipate and to adapt to every evolving market conditions and daily supply and demand shifts. More than anything Business intelligence systems can help companies to have a more comprehensive knowledge of the factors affecting their business and their current and potential customer needs.

The online bank, is the main used channel to commit this type of crimes related to capital. Ciberbanking allows anyone to move a lot of money anywhere in the world as fast as the computer systems allow. The world´s largest corporations and goverments have been working together to create systems to safely and quickly avoid cybercrimes.

Business innovation processes are focused on the company and on the employees

Clients and suppliers are highly satisfied with the newly integrated IT organization which was achieved smoothly and with no diminution of service quality. IT is an effective tool to improve business integration across the company wich includes its customers, employees and providers.

IT is promoting the transformation of business processes by offering new tools and information on supply chain issues and e-procurement.

In order to adapt the Directive 2000/31/CE, wich offers a new framework for electronic communications services, Spain has addopted a new law. This new law propose the main elements of a new framework for communications infrastructure and associated services in the spanish market.

The interactive Television or iTV, introduces smarter electronic shopping solutions, improved interactive product showcases or intelligent and responsive advertising services. So, new technical devices for interactive forms of television like MHP, the ?Multimedia Home Platform?, are developed to fit into the existing structures of the broadcast industry ? including their advertising oriented financing.

The explosion of new devices.