[1] King Fahd Univ Petr & Minerals, KFUPM Business Sch, IRC Finance & Digital Econ, Dhahran, Saudi Arabia
[2] Ghulam Ishaq Khan Inst Engn Sci & Technol, Topi, Pakistan
[3] Univ Teknol PETRONAS, Dept Management & Humanities, Seri Iskandar, Perak, Malaysia
[4] City Sch, Islamabad Campus, Islamabad, Pakistan
[5] Namal Univ, Mianwali, Pakistan
[6] Univ Dayton, Dayton, OH 45469 USA