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The "Centro di Ricerca in Tecnologie, Innovazione e Servizi Finanziari (CeTIF, (www.cetif.it)", is an organization from the"Università Cattolica del Sacro Cuore di Milano" and realize studies and researches about strategic and organizational Changes for Financial, Banking and Insurance Sector. Institutional partner of CeTIF are: Banca d’Italia, IVASS, ABI, ANBP, ANIA.