1. International Economics and Management Department, Graduate School of Economics and Management, Ural Federal University, Ekaterinburg, Russia
2. College of Business, Westcliff University, Irvine, CA, USA
3. Department of Financial Technologies, South Ural State University, Chelyabinsk, Russia
4. Faculty of Economics, Administrative and Social Sciences, Istanbul Gelisim University, Istanbul, Turkey
5. Faculty of Business and Economics, Department of Economics, Eastern Mediterranean University, Famagusta, Turkey