1. IRC for Finance and Digital Economy, KFUPM Business School, Kind Fahd University of Petroleum & Minerals, Dhahran, Saudi Arabia
2. Indepedent Marketing Researcher, India
3. Universiti Teknologi PETRONAS, Malaysia
4. Karakuram International University, Pakistan
5. Shaheed Zulfikar Ali Bhutto Institute of Science and Technology, Pakistan
6. Staffordshire University, UK