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Despoina I. Ntaikou, Ph.D., MPhil., MSc., CEFA, currently serves as an Associate Lecturer at UniOpen | E-Learning University and the Hellenic Open University while also holding positions as a Postdoctoral Research Fellow at Athens University of Economics and Business and Associate Research Fellow at E Learning Πανεπιστήμιο Αθηνών. Ntaikou has extensive experience in risk modeling as Senior Management at the Hellenic Financial Stability Fund and has previously worked in credit risk management at Alpha Bank, focusing on non-performing loans and small business banking. Educational qualifications include a Postdoc in Banking from Athens University of Economics and Business and a Ph.D. in Finance and Banking from Ethnikon kai Kapodistriakon Panepistimion Athinon, complemented by multiple master's degrees and certifications in finance and macroeconomic forecasting.