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While the Banking systems transacts with HFT, 80% of European SME are doing business as usual instead innovating their communication channels. Of course, B2B business doesn't require so much Social Media parameters for a better CRM, but becomes quite useful for ERM and intelligent Knowledge Management 2.0. Facing the challenges of Asian and South American competitors, they could connect and communicate their assets, adopt the new digital collaboration facilities and disruptive working and learning processes to qualify their coworkers for the 21st century workspace, create competency clusters and common Learning Management Systems 2.0.