Study realised by Tiziana Assenza (Toulouse School of Economics, University of Toulouse Capitole), Alberto Cardaci (Goethe University Frankfurt) and Michael Haliassos (Goethe University Frankfurt and CEPR)

Study realised by Dimitris Christelis (University of Glasgow, CSEF and CFS), Dimitris Georgarakos (European Central Bank and CFS), Tullio Jappelli (University of Naples Federico II, CSEF and CEPR) and Geoff Kenny (European Central Bank)