1. University of Anbar,Faculty of Computer Science and Information Technology,Department of Information Systems,Ramadi,Iraq
2. School of Business Management, Universiti Utara Malaysia,Social Security Management Center of Excellence,Utara,Malaysia
3. University of Fallujah,Faculty of Administration and Economics,Business Administration Department,Fallujah,Iraq
4. Universitas Amikom Yogyakarta,Faculty of Computer Science,Sleman,Indonesia