1. Wits Business School, University of the Witwatersrand, Johannesburg, South Africa
2. DSI/NRF/Newton Fund Trilateral Chair in Transformative Innovation, the Fourth Industrial Revolution and Sustainable Development, University of Johannesburg, Johannesburg, South Africa
3. Department of Banking and Finance, Simon Diedong Dombo University of Business and Integrated Development Studies, Wa, Ghana
4. Department of Business Administration, Ashesi University, Berekuso, Ghana