Khairul Amri, Scopus ID: 57207084495 (Universitas Islam Negeri (UIN) Ar-Raniry Banda Aceh, Indonesia.)

Muhammad Wali , Scopus ID: 57211800100 (STMIK Indonesia Banda Aceh, Indonesia.)

Nasir (Universitas Serambi Mekkah, Indonesia.)

Syamsul Rizal (AKUBANK Nusantara, Indonesia.)

Taufiq Iqbal , Scopus ID: 57211797582 (STMIK Indonesia Banda Aceh, Indonesia.)

Bobby Reza (STIE ISM, Indonesia.)

IGN Mantra , Scopus ID: 57190735932 (Universitas Perbanas, Indonesia.)

Mukhtar (STMIK Indonesia Banda Aceh, Indonesia.)

Yu-Ming Wang, Scopus ID: 7601503766 (The National Chi Nan University, Taiwan)

Peter Newcombe, Scopus ID: 6602762502 (The University of Queensland, Australia)

Afrizal (KITA Institute, Indonesia.)