Mattarocci Gianluca is an Associate Professor of Banking at the University of Rome Tor Vergata, Italy. He is also a Visiting Professor at Athens University of Economics and Business, LUISS University, National University of Georgia and Director of the master in Real Estate Finance at LUISS Business School. His main research interests are Real Estate Finance and Credit Risk Management.Xenia Scimone is a Research Fellow in Banking and Finance at the University of Rome Tor Vergata, Italy, where she teaches on courses related to Banking and Fintech. Her research focus is on Fintech, Open Banking, Payments, Consumer credit, Financial Education, and Real Estate.