1. University of Szczecin,Department of Economics, Finance and Management,Szczecin,Poland
2. Wrocław University of Science and Technology,Department of Artificial Intelligence,Wrocław,Poland
3. The John Paul II Catholic University of Lublin,Department of Finance and Accountancy,Lublin,Poland
4. West Pomeranian University of Technology,Department of Information Systems Engineering,Szczecin,Poland