This paper aims to demonstrate the way in which knowledge and information become essential elements of building up a system (Students’ Professional Association of the University of Bucharest - Team Work), contributing to strengthening its position and providing solutions for other systems that...

Universal banks are financial conglomerates that offer simultaneously underwriting and insurance services and also act like commercial banks; this business model first seen at the end of the XIX century had experienced difficulties once first major financial crisis hit in early 1930’. In US...