Monica Billio is Full Professor of Econometrics at Ca' Foscari University of Venice, Italy. She is participating in many research projects financed by the European Commission, Eurostat and the Italian Ministry of Research. She was scientific co-coordinator of the SYRTO project.Loriana Pelizzon is Full Professor of Economics at Ca' Foscari University of Venice, Italy. She is also the program director of the Systemic Risk Lab and Chair of Law and Finance at Research Centre SAFE at Goethe University in Frankfurt, Germany.Roberto Savona is Professor of Financial Markets and Institutions at the University of Brescia, Italy. He served as a Member of the Steering Committee of the Macro-prudential Research Network – ECB. He was primary and scientific coordinator of the SYRTO project.