1. Department of Economics, University of Thessaly, GR-54124 Volos, Greece
2. Computer Technology Institute and Press “Diophantus”, GR-256504 Patras, Greece
3. Business Administration Department, University of Patras, GR-26504 Patras, Greece
4. Computer Engineering and Informatics Department, University of Patras, GR-26504 Patras, Greece