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)

Study realised by Philippe Bertrand (GREQAM, Aix – Marseille 2 University) and Jean-Luc Prigent (THEMA, Cergy-Pontoise University)

Study conducted by Phillipe Bertrand (GREQAM, Aix – Marseille 2 University and Jean-Luc Prigent (THEMA, Cergy – Pontoise University)