Ivan and his business partner were sitting in their office in Sagunto (Valencia), unusually worried, that morning in 2012. They had just read about the takeover of three small savings banks by one large bank. These were their main clients. It had been two years since the impact of the international crisis in the financial sector affected all sectors and is now taking its toll on Ivan. His main customers were the savings banks and small banks in Spain. He had been in the market for more than 12 years providing them with software development solutions in COBOL language and intranet solutions with Microsoft technologies.