Javaid Iqbal is an Associate Professor in the Postgraduate Department of Computer Science, University of Kashmir, Srinagar Jammu and Kashmir, India. He obtained his PhD in Computer Science from the University of Kashmir in 2014. Alwi M. Bamhdi is Associate Professor in the Department of Computer Sciences, Umm Al-Qura University, Saudi Arabia. Bilal Ahmad Pandow is a distinguished academic and researcher specializing in financial education, sustainable finance, and entrepreneurial development. Currently serving as Assistant Professor of Finance at Bahrain Polytechnic. Faheem Syeed Masoodi is an Associate Professor at Bahrain Polytechnic University and a Research Fellow at INTI International University, Malaysia. Prior to this, he served as a Senior Assistant Professor in the Department of Computer Science, University of Kashmir. He also worked as an Assistant Professor at the College of Computer Science, University of Jizan, Saudi Arabia, and as a Research Scientist for the NMEICT-Edrp project sponsored by the Ministry of HRD, Government of India.