1. Department of Management Information Systems, Faculty of Economics and Administration, King Abdulaziz University, Jeddah, Kingdom of Saudi Arabia
2. School of Management, University of Bradford, Bradford, UK
3. Amman College of Banking and Financial studies, Al-Balqa Applied University, Amman, Jordan
4. Salford Business School, The University of Salford, Salford, UK
5. Emerging Markets Research Centre (EMaRC), School of Management, Swansea University Bay Campus, Swansea, UK