1. Department of Economics “Marco Biagi”, University of Modena and Reggio Emilia, Modena, Italy & CEFIN, Centro Studi Banca e Finanza (CEFIN) University of Modena and Reggio Emilia Modena Italy
2. Dipartimento di Comunicazione ed Economia, University of Modena and Reggio Emilia, Reggio Emilia, Italy & CEFIN, Centro Studi Banca e Finanza (CEFIN) University of Modena and Reggio Emilia Reggio Emilia Italy