Krisdela Kaçani is a PhD student at the International Doctoral School at the University of Seville, Spain, in the Faculty of Economics, Business and Social Sciences. She graduated with a scientific master's degree in the "Banking Finance" department at the European University of Tirana in 2014, with high honors of the Faculty of Economics and Information Technology. During the second year of her master's studies, she had her first work experience in the banking sector as a Teller and Personal Banker in the Raiffeisen Bank". Since 2015 she has been part of the European University of Tirana staff as a lecturer at the Department of Finance and Economics.