Fatih Cura, Tishk International University, Iraq

Karwan Sherwani, Tishk International University, Iraq
Ahmet Arabaci, Tishk International University, Iraq

Kadhim Saeed, Tishk International University, Iraq
Karwan Talaat, Tishk International University, Iraq

Ahmet Arabacı, Tishk International University, Iraq
Ahmet Demir, Tishk International University, Iraq
Abdurrazakov Odiljon, Akfa University, Uzbekistan
Andrzej Rzeczycki, University of Szczecin, Poland
Anna Borawska, University of Szczecin, Poland
Elise Feron, Tampere University, Finland
Erkan Demirbas, University of Lincoln, UK
Fatih Cura, Tishk International University, Iraq
Firdous Ahmad Mallik, University of the People, USA
Giorgi Bagaturia, Georgia Technical University, Georgia
Gylych Jelilov, Philomath University, Nigeria
Ghousia khatoon, Tishk International University, Iraq
Hawraman Ali, University of Manchester, UK
Jarosław Korpysa, University of Szczecin, Poland
Kesra Nermend, University of Szczecin, Poland
Marta Szaja, University of Szczecin, Poland
Mateusz Piwowarski, University of Szczecin, Poland
Nurettin Can, Global Banking School, UK
Mahadi Hasan Miraz, Curtin University, Australia.
Mohammad Salih Mustafa, Tishk International University, Iraq
Md Mahmudul Alam, Universiti Utara Malaysia, Malaysia
Osman KOROGLU, Epoka University, ALBANIA
Samira Ben Belgacem, Princess Nourah bint Abdulrahman University, Saudi_Arabia
Wadi B. Alonazi ,King Saud University, Saudi_Arabia