Mª Celia López-Penabad, is a Lecturer in Finance at the USC (Spain). Her research interests are focused on banking and finance, mortgage markets, securitization and social enterprises. She obtained her PhD from the USC. She has gained recognition of twelve years research. Among other journals she has published in: Economic Modelling, PlosONE, Journal of Business Economics and Management, International Review of Economics & Finance, Applied Economics, Business Research Quarterly Finance a úver, Spanish Journal of Finance and Accounting, RAE-Revista de Administração de Empresas and The European Journal of Finance.