Raffaella holds a BSc in Economics from Bocconi University (Italy) and a PhD in Statistics from the University of Milano-Bicocca (Italy). Before being appointed at the University of Edinburgh as Associate Professor, she was a Lecturer at the University of Essex. She has conducted research at the Wharton School of the University of Pennsylvania, Louisiana State University, Luigi Bocconi of Milan, University College Dublin and ETH Zurich. She is a member of the Business and Industry section of the Royal Statistical Society and of the local Operational Research Society. Raffaella has been awarded 15 research projects, funded by the ESRC, EPSRC, DataLab, British Academy, Regional Studies Association and the Italian Ministry of Education. She has published widely on credit risk, financial inclusion, affordability and Open Banking.