1. Department of Business and Economics, School of Business and Information Systems, York College, The City University of New York (CUNY), Jamaica, NY, USA
2. Faculty of Business and Management, Universiti Sultan Zainal Abidin, Terengganu, Malaysia
3. Faculty of Business Administration, Iqra University, Karachi, Pakistan
4. Hailey College of Banking and Finance, University of the Punjab, Lahore, Pakistan