Mohammad Alsharif Finance and Economics Department, Taibah University, Medina, Saudi Arabia   8896 Yala Bin Habit Allah Alfadile Street, Medina. Medina, 42392 Saudi Arabia   alshareif1985@gmail.com   linkedin.com/in/dr-mohammad-alsharif-50806a35           JEL Areas: C6 : Mathematical Methods and Programming: General G2 : Financial Institutions and Services: General