Study realised by IODS and the European Savings Institute (OEE) for the European Consumer Organisation (BEUC)

Study realised by Rob Alessie, Viola Angelini (University of Groningen), Agar Brugiavini, Danilo Cavapozzi (Ca’ Foscari University of Venice), Martina Celidoni and Guglielmo Weber (University of Padua)