[1] Imam Abdulrahman Bin Faisal Univ, Coll Architecture & Planning, POB 1982, Dammam 31441, Saudi Arabia
[2] Inland Norway Univ Appl Sci, CREDS Ctr Res Digitalizat & Sustainabil, N-2418 Elverum, Norway
[3] Istanbul Gelisim Univ, Fac Econ Adm & Social Sci, Istanbul, Turkiye
[4] Lebanese Amer Univ, Adnan Kassar Sch Business, Dept Econ, Beirut, Lebanon
[5] Univ Vaasa, Sch Accounting & Finance, Dept Econ, Vaasa 65200, FI, Finland