Elisa Di Febo, a research fellow in Financial Markets and Institutions and Securities Markets with University G. d’Annunzio of Chieti-Pescara, Italy. In April 2015, she obtained a Ph.D in Economics & Business. She researches interests are banking, credit risk, digitalization, and climate change. She is a member of the research group of the project “The banking sector facing the challenges of climate change: how new frontiers of machine learning, econometrics and statistics can help in identifying and managing credit and operational risk” which was one of the winners of PRIN 2022.