1. University of Kufa, Research and Information Qualifying Centre, Kufa, P.O. Box (21), Najaf Governorate, Iraq
2. University of Szczecin, Faculty of Economics and Management, Institute of Finance, Department of Insurance and Capital Markets, Mickiewicza 64, 71-101 Szczecin, Poland
3. University of Szczecin, Faculty of Economics and Management, Institute of IT in Management, Department of Computer Methods in Experimental Economics, Mickiewicza 64, 71-101 Szczecin, Poland