1. Department of Information Systems, Umm Al-Qura University, Makkah 21955, Saudi Arabia
2. UTS Business School, University of Technology Sydney, Sydney 2007, Australia
3. Muma College of Business, University of South Florida Sarasota-Manatee, Sarasota, FL 34243, USA
4. Saudi Telecommunication Company, Riyadh 11564, Saudi Arabia
5. Centre for Sustainable AI, Sydney 2000, Australia
6. Department of Finance, Commonwealth Bank Health Society, Sydney 2000, Australia
7. Australian Artificial Intelligence Institute, School of Computer Science, University of Technology Sydney, Sydney 2007, Australia