1. Department of Commerce, Manipal Academy of Higher Education, Manipal. Karnataka, 576104, India
2. “Constantin Brâncuși” University of Târgu Jiu, Faculty of Economic Science, Târgu Jiu, Gorj, Romania
3. Department of Accounting & Finance College of Business Administration, Kingdom University, Bahrain
4. University of Craiova, Doctoral School of Economic Sciences, Craiova, Romania
5. Department of Computer Science and Engineering, Manipal Institute of Technology, MAHE, Manipal, Karnataka, 576104, India
6. “Constantin Brâncuși” University of Târgu Jiu, Faculty of Engineering, Târgu Jiu, Gorj, Romania