Munish Gupta is an Associate Professor at Chandigarh University's University School of Business.Soumi Dutta is an Associate Professor at Sister Nivedita University.Kiran Sood is a professor at Azerbaijan State University of Economics (UNEC), Baku, Azerbaijan.Simon Grima is the Deputy Dean of the Faculty of Economics, Management and Accountancy and the Head of the Department of Insurance and Risk Management at the University of Malta, Malta.Elisabeth T. Pereira is an Associate Professor at the Department of Economics, Management, Industrial Engineering and Tourism (DEGEIT), University of Aveiro, Portugal.