Giusy Chesini, University of Verona, Italy Josanco Floreani, University of Udine, Italy Elisa Giaretta, University of Verona, Italy Elisabetta Gualandri, University of Modena and Reggio Emilia, Italy Rene W.H. van der Linden, In Holland University of Applied Sciences, the Netherlands Stefano Miani, University of Udine, Italy Pierluigi Morelli, Italian Bank Association, Italy Andrea Paltrinieri, University of Verona, Italy Flavio Pichler, University of Verona, Italy Giovanni B. Pittaluga, Genoa University, Italy Maurizio Polato, University of Venice, Italy Pablo San Martin, Universidad Catolica de la Santisima Concepcion, Chile Paolo Saona, Saint Louis University's Madrid Campus, Spain Elena Seghezza, Genoa University, Italy Eleuterio Vallelado, University of Valladolid, Spain Valeria Venturelli, University of Modena and Reggio Emilia, Italy