Ghilan Al-Madhagy Taufiq Hail
College of Business, University of Buraimi, Al Buraimi, Al Buraimi Governorate,
Oman

Shafiz Affendi Mohd Yusof
Department of Information Technology, Ajman University, Ajman,
United Arab Emirates

Ammar Rashid
Department of Information Technology, Ajman University, Ajman,
United Arab Emirates

Ibrahim El-Shekeil
Department of Computer Science and Cybersecurity, Metro State University, Minnesota 55106,
United States

Abdalwali Lutfi
4) College of Business Administration, The University of Kalba, Kalba, 11115, Sharjah, United Arab Emirates. 5) Department of Accounting, College of Business, King Faisal University, Al-Ahsa 31982, Saudi Arabia. 6) Applied Science Research Center, Applied Science Private University, Amman 11931, Jordan. 7) MEU Research Unit, Middle East University, Amman, 11831, Jordan.