Krisdela Kaçani is a PhD student at the International Doctoral School of the University of Seville, in Spain following the Doctoral Program in Economic, Business and Social Sciences. She is graduated in "Finance and Banking" at the European University of Tirana, in 2014, with maximum results. During the second year of master studies she had her first working experience in the banking sector, as Teller and Personal banker, in "Raiffeisen Bank". Since 2015 she is part of the staff of the European University of Tirana, as a lecturer assistant in the Department of Finance and Economics.