1. Business School, Business Technology Department, Al-Ahliyya Amman University, Amman, Jordan
2. School of Business, UPES, Dehradun, India
3. Himalayan School of Management studies, Swami Rama Himalayan University, Dehradun, India
4. Business Incubator, Al-Ahliyya Amman University, Amman, Jordan
5. Department of Accounting, Business School, Al-Ahliyya Amman University, Amman, Jordan