1. Scientific Researcher, Jammu and Kashmir (J&K), Anantnag, India
2. Department of Management Studies, School of Business Studies, Islamic University of Science & Technology, Awantipora, Jammu and Kashmir, India
3. Department of Management Studies, Central University of Kashmir, Ganderbal, Jammu & Kashmir, India
4. Department of Human Resource, College of Business (COB), Dar Al Uloom University, Riyadh, Kingdom of Saudi Arabia
5. IRC for Finance and Digital Economy, King Fahd University of Petroleum and Minerals, Dhahran, Saudi Arabia