Simon Grima, is the Head of the Department of Insurance, and an Associate Professor at the University of Malta. His research focus and consultancy is on Governance, Regulations, and Internal Controls.Ercan Özen, is associate professor of finance in department of banking and finance, School of Applied Sciences, University of Uşak, Turkey. His current research interests include different aspects of Finance.Rebecca Emily Dalli Gonzi, is an architect, project co-ordinator and Senior lecturer. She is a registered and certified civil engineer by the Chamber of Architects Malta, and a registered chartered member of the Royal Institute for British Architects London. She is a resident academic at the University of Malta.