John O S WilsonJohn O. S. Wilson is professor of banking and finance, head of the Department of Finance, and director of the Centre for Responsible Banking & Finance at the University of St Andrews. He has held visiting positions to University of Limoges, Helsinki chool of Economics, and University College Dublin. He has published over eighty articles in journals including the Journal of Banking & Finance, Journal of Money Credit & Banking, and the Journal of Corporate Finance. He is the author or coauthor of numerous books, including European Banking: Efficiency, Technology and Growth and Banking: A Very Short Introduction. He has written commissioned reports for the Scottish Government, the UK Financial Conduct Authority, and the South African Reserve Bank. He also advised the Irish Government. Read More Read Less