Burak Darıcı is working at Bandirma Onyedi Eylul University in the Department ofEconomics. His research areas include banking, finance, capital markets, economics,financial institutions, monetary policy, and labour market.Fatih Ayhan is working at Bandirma Onyedi Eylul University in the Department ofEconomics . His research areas include macroeconomics, international economics,labor market, exchange and financial market, financial and applied economics.Candy Lim Chiu is a faculty member of the College of Business and Public Managementat Wenzhou-Kean University, China. She has 8 years of academic teaching andresearch experience and 8 years of international corporate experience as a banker,consultant, and business development manager. Her research areas are in marketing,operations management, the automotive industry, online banking, and entrepreneurship.