GIUSY CHESINI is Associate Professor in Banking and Finance at the Faculty of Economics of the University of Verona, ItalyLAURA CHIARAMONTE is a Ph.D. in Business Administration from the University of Verona, ItalySIMONETTA COTTERLI is Lecturer in Business Law at the University of Modena and Reggio Emilia, ItalyVERONICA DE CRESCENZO is Lecturer in Banking and Finance at the Faculty of Economics of the University of Verona, ItalyALBERTO DREASSI is Research Fellow at the Faculty of Economics of the University of Udine, ItalyRICCARDO FERRETTI is Full Professor of Banking and Finance at the University of Modena and Reggio Emilia, Italy, and Director of CEFIN, Center for Studies in Banking and FinanceJOSANCO FLOREANI is Lecturer in Banking and Finance at the Faculty of Economics of the University of Udine, ItalyENRICO GERETTO is Lecturer in Banking and Finance at the Faculty of Economics of the University of Udine, ItalyALESSANDRO V. GUCCIONE is Lecturer in Business Law at the Faculty of Law of the University of Modena e Reggio Emilia, ItalySTEFANO MIANI is Full Professor in Banking and Insurance and director of the MA Course in Banking and Finance at the Faculty of Economics of the University of Udine, ItalyANDREA PALTRINIERI is a Ph.D. student in Business Administration at the University of Verona, ItalyFRANCESCO PATTARIN is Lecturer in Banking and Finance at the University of Modena and Reggio Emilia, ItalyFLAVIO PICHLER is Associate Professor in Bankingand Finance at the Faculty of Economics of the University of Verona, ItalyMAURIZIO POLATO is Associate Professor in Banking and Finance at the Faculty of Economics of the University of Udine, ItalyVALERIA VENTURELLI is Lecturer in Banking and Finance at the University of Modena, Italy