1. Institute of Business Studies and Leadership, Abdul Wali Khan University Mardan, Mardan 23200, Pakistan
2. Banking and Finance Academy of the Republic of Uzbekistan, Tashkent 100000, Uzbekistan
3. DSc in Economics, Department of Finance and Accounting, Tashkent State University of Economics, Tashkent 100066, Uzbekistan
4. Department of Business, RISEBA University, LV-1048 Riga, Latvia
5. Department of International Economics and Business, Yeungnam University, Gyeongsan 38541, Republic of Korea