Tânia Santos holds a PhD in Financial Economics and Accounting from the University of Extremadura - Spain, presenting the thesis "Financial Solvency of the Pension Systems of the European Union" and a Master's degree in Economics from the University of Coimbra – Portugal, presenting the thesis "master with the presentation of the thesis "Regional Disparities in Employment and Unemployment in Portugal". She is a researcher at the Interdisciplinary Center of Social Sciences (CICS.NOVA.IPleiria). Her main research interests are the themes of the Pension Systems, the Entrepreneurship, the Social Economy/Non Profit Organizations and Financial Education/Financial Literacy.