Kuchta, Dorota, Department of Management Systems, Faculty of Computer Science and Management, Wroclaw University of Science and Technology, Wybrzeże Wyspianskiego 27, 50–370, Wrocław, Poland
Kuznetsova, Natalia, <p class="03AFFILIATION">Risk Management and Insurance Department, Faculty of Economics St. Petersburg State University, Universitetskaja Naberezhnaja 7/9, 199034, St. Petersburg, Russian Federation</p>
Kwarteng, Michael Adu, Department of Management and Marketing, Faculty of Management and Economics, Tomas Bata University, Mostni 5139, 76001, Zlin, Czech Republic

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