First Author:   Konstantinos Eleftheriou College of Business Administration, Abu Dhabi University, United Arab Emirates k.eleftheriou@adu.ac.ae         Second Author: George Athanasiou Department of Mathematics, National Technical University of Athens, Greece athansgeo@gmail.com         Third Author: Periklis Kougoulis College of Business Administration, Abu Dhabi University, United Arab Emirates periklis.kougkoulis@adu.ac.ae