1. Faculty of Applied Sciences and Mathematical Education, Akenten Appiah-Menka University of Skills Training and Entrepreneurial Development, Kumasi, Ghana
2. Department of Business and Marketing, Academic City University College, Accra, Ghana
3. School of Information and Software Engineering, University of Electronic Science and Technology of China, Chengdu, P.R. China
4. School of Business, George Brown College, Toronto, Ontario, Canada