AIT Austrian Institute of Technology, University of Parma, affiliation not provided to SSRN, University of Lille, University of Lille, University of Lille, Danube Private University (DPU), Université Polytechnique Hauts-de-France, University of Parma, University of Parma, University of Parma, Université Polytechnique Hauts-de-France and affiliation not provided to SSRN