Aurelija Ulbinaite is an Associate Professor at Vilnius University, Faculty of Economics and Business Administration, Business Department, from where she received her PhD degree in Management and Administration, Social Science, in 2012. Her teaching curriculum involves Business Models, Business Diagnostics, Company Performance Evaluation, Business Operation Seminar, Insurance Process Management and Business Integrational Processes. Her research interests include risk management and insurance, consumer behavior, decision making, models for consumer behavior in insurance services; business process management; service industry, service marketing; European and Asian socio-economic, and cultural values.