1. Irbid National University,Faculty of Business and Financial Science,MIS, BI and Data Analysis Department,Irbid,Jordan
2. Ajloun National University,Faculty of Business,Department of Management Information Systems,Ajloun,Jordan
3. UniSZA,Faculty of Informatics and Computing,Malaysia
4. Al-Madinah International University,Faculty of Finance & Administrative Sciences,Malaysia
5. Jain Deemed To Be University,Bangalore,India