Study realised by Flavia Coda Moscarola, Elsa Fornero, Agnese Romiti, Mariacristina Rossi, Dario Sansone, Maria Cesira Urzì Brancati (Turin University and CeRP-Collegio Carlo Alberto)

Didier Davydoff (OEE), with Laetitia Gabaut (OEE) and Li Qin-Kuhry (IODS), at the demand of the Fédération Bancaire Française (FBF)