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8 List of Contributors Corresponding Address Professor Giacomo De Laurentis Institute of Financial Markets and Financial Institutions Bocconi University Via Sarfatti, Milan Italy Stefano Caselli Associate Professor of Banking at Bocconi University, Milan, Italy Professor at Banking and Insurance Department of SDA Bocconi School of Management Giacomo De Laurentis Full Professor of Banking at Bocconi University, Milan, Italy Director of Banking and Insurance Department of SDA Bocconi School of Management Severino Meregalli Professor at Information System Department of SDA Bocconi School of Management Paola Schwizer Full Professor of Banking at Parma University, Parma, Italy Professor at Banking and Insurance Department of SDA Bocconi School of Management Ozlem Yildirim Ph.D. in Business Administration, Master in International Economics and Management, SDA Bocconi School of Management