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)

Study realised by Konstantin Braüer (Goethe University, Frankfurt), Andreas Hackethal (Goethe University, Frankfurt), Sebastian Scheurle (McKinsey & Company, Inc & Goethe University, Frankfurt)

Studies by Philippe Bertrand (Aix-Marseille Université, Aix-Marseille Graduate School of Management – IAE, KEDGE BS Marseille, Aix-Marseille School of Economics) and Jean-Luc Prigent (THEMA, University of Cergy-Pontoise, LabeX MME-DII)

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

Study realised by Mikkel Barslund (CEPS), Ales Chmelar (CEPS), Florence Legros (Paris Dauphine University & CEPS)