1. Faculty of Business, Department of Banking and Finance, Girne American University, Kyrenia, Turkey
2. Faculty of Economics, Administrative and Social Science, Department of Tourism Guidance, Istanbul Gelisim University, Istanbul, Turkey
3. Department of Economics and Management, South Ural State University, Chelyabinsk, Russia
4. Faculty of Business and Economics, Department of Business, Girne Amercian University, Kyrenia, Turkey
5. Faculty of Economics, Administrative and Social Science, Department of Economics and Finance, Istanbul Gelisim University, Istanbul, Turkey
6. Department of Financial Technologies, South Ural State University, Chelyabinsk, Russia
7. Aviola consult, Nigeria