1. School of Accountancy and Finance, University of Lahore, Lahore, Pakistan;
2. Department of Business Technologies and Entrepreneurship, Vilnius Gediminas Technical University, Vilnius, Lithuania;
3. College of Business Administration, University of Bahrain, Manama, Kingdom of Bahrain;
4. Department of Financial Engineering, Vilnius Gediminas Technical University, Vilnius, Lithuania;
5. Faculty of Engineering Economics and Management, Riga Technical University, Riga, Latvia