1. Scholar School System,Department of Business Management,Birmingham,United Kingdom
2. Ekiti State University,Department of Banking and Finance,Ado Ekiti,Ekiti State
3. Sunway University,School of Engineering and Technology,Department of Computing and Information Systems,Selangor,Malaysia
4. Cebu Technological University,Moalboal, Cebu,Philippines
5. Federal University of Uberlandia,Faculty of Architecture and Urban Design,Uberlandia,Brazil