1. Department of Banking & Finance, College of Business and Social Sciences, Covenant University, Ota, Nigeria
2. Department of Accounting and Finance, College of Business and Social Sciences, Landmark University, Omu-Aran, Kwara State
3. Department of Mass Communication, College of Business and Social Sciences, Covenant University, Ota, Ogun State
4. Department of Economics, College of Business and Social Sciences, Covenant University, Ota, Ogun State
5. Department of Business Management and Sustainable Development, School of Business, Information and Communication Technology University, USA – Cameroon Campus