1. Department of sustainable development finance, Plekhanov Russian University of Economics, 117997 Moscow, Russia
2. Department of Computer Software, Platov South Russian State Polytechnic University (NPI), 346428 Novocherkassk, Russia
3. Center for Islamic Finance, Azerbaijan State University of Economics, 1001 Baku, Azerbaijan
4. Department of Innovative Economics and Finance, Belgorod National Research University, 308015 Belgorod, Russia