Marietta Janowicz-Lomott is an Associate Professor at the Department of Risk and Insurance Warsaw School of Economics, Poland. He is the author of several dozen scientific publications in the fields of finance, insurance and risk management.  Krzysztof Łyskawa is an Associate Professor at the Department of Insurance, Poznań University of Economics, Poland. He has worked in academia, the private sector and associations, and his research and professional activities focus on risk management, property insurance, pension schemes, and life insurance. He has also worked in various brokerage companies since 1998.  Persefoni Polychronidou is an Assistant Professor of Applied Econometrics in Accounting and Finance at the International Hellenic University. She is the co-editor of the International Journal of Business and Economic Sciences Applied Research (IJBESAR). Her research focuses on statistical and data analysis and she has published numerous papers on empirical economic data.  Anastasios Karasavvoglou is a Professor of Economics and President of the Annual International Conference "The Economies of the Balkan and Eastern European Countries in the Changing World". He has published numerous books and papers on immigration, regional development and the labor market.