40  41  Some of the initiatives by early users are described in a survey-based analysis by D. Broeders and J. Prenio, “Innovative technology in financial supervision (suptech) – the experience of early users,” Financial Stability Institute, FSI Insights on policy implementation, No 9 July 2018.
Examples are M. Accornero and M. Moscatelli, “Listening to the buzz: social media sentiment and retail depositors' trust,” Bank of Italy Working Paper No. 1165, 2018; M. Loberto, A. Luciani and M. Pangallo, “The potential of big housing data: an application to the Italian real-estate market,” Bank of Italy Working Paper No.