Maurizio Sella is the Founder and Executive Charman of Smartika – People to People Credit - the leading Italian P2P operator www.smartika.it . Smartika is a fully licensed Payment Institution, authorized to operate and under the supervision of the Bank of Italy. Smartika has lent over € 2.6 million for about 4.300 loans, granted by 6.000 Lenders. Maurizio was previously the CEO of Julius Baer Creval Private Banking Spa, in Milano a joint venture between the Julius Baer Group and Gruppo Credito Valtellinese and was previously with Citibank NA for 12 years where he held various positions in the UK and Switzerland. Maurizio, holds a Degree in Economics of Università La Sapienza of Rome.