Giuliana Birindelli, PhD, is a Full Professor in Financial Markets and Institutions at the G. d'Annunzio University of Chieti-Pescara, Italy. Her research focuses on Basel II and Basel III; internal rating systems; banking internationalization; business models; corporate governance; operational risk; compliance risk and corporate social responsibility. Paola Ferretti, PhD, is an Assistant Professor in ... Read moreFinancial Markets and Institutions at the University of Pisa, Italy. Her research focuses on Basel II and Basel III, credit risk management, business models, profitability, operational risk management, compliance risk, corporate social responsibility, social media and corporate governance. Paola Ferretti is also the author of the recently published book New Perspectives on the Bank-Firm Relationship: Lending, Management and the Impact of Basel III (Palgrave). Show Less