1. Department of Business Management, HNB Garhwal (A Central) University, Srinagar, Uttarakhand, India
2. Department of Non-Financial Risk Tech, Morgan Stanley Advantage India Pvt Ltd., Nirlon Knowledge Park, Goregaon (E), Mumbai, Maharashtra, India
3. Center for Mountain Tourism and Hospitality Studies, HNB Garhwal (A Central) University, Srinagar, Uttarakhand, India