Simon Grima, Ph.D, MSc(Lond), MSc(BCU) B.Com(Hons), is the Head of the Insurance dept and an Associate Professor at the University of Malta. He sits on the Boards of the Federation of European Risk Management Association, the Public Risk Management Organisation, the Malta Association of Risk Management and the Malta Association of Compliance Officers, for the latter two he has also served time as president.Ercan Özen received his BSc in Public Finance, MSc in Business-Accounting, PhD in Business Finance from University of Afyon Kocatepe. Now he is associate professor of finance in department of banking and finance, School of Applied Sciences, University of Uşak, Turkey.Hakan Boz is Assistant Professor at Usak University's School of Applied Sciences, Turkey. Prior to joining the academia he has held various positions in the tourism and hospitality sector. He carries out research to better understand consumer and employee behavior in the tourism and hospitality sectors.