1. Bahria University, Lahore, Pakistan
2. School of Business, Management and Administrative Sciences (SBM&AS), Department of Islamic and Conventional Banking (ICB), The Islamia University of Bahawalpur (IUB), Pakistan
3. School of Business, Management, and Administrative Sciences, The Islamia University of Bahawalpur, Pakistan
4. Department of Management Sciences, University of Central Punjab, Bahawalpur, Pakistan
5. Awang Had Salleh Graduate School of Art and Sciences, Universiti Utara Malaysia (UUM), Malaysia