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		| Sandra  Montchaud | 
	
		| CHERPA - Sciences Po Aix | 
	
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		| CHERPA - Sciences Po Aix | 
	
		| 25 rue Gaston de Saporta | 
	
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		| Aix-en-Provence,  13625 | 
	
		| FRANCE | 
	
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		| sandra.montchaud@sciencespo-aix.fr | 
	
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		| JEL Areas: G2 : Financial Institutions and Services: General
 O3 : Technological Change; Research and Development: General
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