1. Department of Information Systems, College of Computer and Information Sciences, Princess Nourah bint Abdulrahman University, P.O. Box 84428, Riyadh 11671, Saudi Arabia
2. Ajloun National University, Ajloun, Jordan, Iraq
3. The University of Mashreq, Research Center, Baghdad, Iraq
4. Department of Business Administration, Faculty of Business and Entrepreneurship, Daffodil International University, Dhaka, Bangladesh