Giuseppe Torluccio is Professor of Financial Markets and Institutions at the University of Bologna, Director of Yunus Social Business Center, Vice-president of Grameen Italian Foundation, and member of Scientific Committee University of Bologna “School of Excellence”. Research interests include theoretical and empirical issues in economics of banking, credit risk models, internal ratings and Basel III, risk management, derivatives, debt instruments, relationship banking, SMEs financing, innovation financing, R&D, treasury management, corporate governance in banking, FinTech, microfinance, and social business. The last relevant articles are published in Journal of Financial Intermediation, Journal of Banking and Finance, European Journal of Finance, Journal of Economic Surveys, Journal of International Financial Markets, Institutions and Money, Journal of Asset Management.