Dr. Ananda S. is currently Director of Postgraduate Studies and Research Department at College of Banking and Financial Studies, Oman. He has 30 years of expertise in the area of management education, research and consultancy. He has also served in Mutual Fund Industry for about four years. Dr. Dharmendra Singh is currently Assistant Professor (Finance) at Modern College of Business and Science, Oman. He has more than 20 years of experience in teaching and research in the banking and finance domain.