1. School of Accounting and Finance, Center for Economic Sustainability and Entrepreneurial FinanceThe Hong Kong Polytechnic University Kowloon Hong Kong
2. Urban Institute, Department of Urban and Environmental Engineering, Faculty of EngineeringKyushu University Fukuoka Japan
3. Global Centre for Banking and Financial Innovation (GCBFI)Nottingham University Business School, University of Nottingham Nottingham UK
4. Othman Yeop Abdullah Graduate School of Business (OYAGSB), University Utara Malaysia, UUM Sintok Malaysia
5. Laboratory of Economic Policy and Strategic Planning, Department of EconomicsUniversity of Thessaly Volos Greece