Chris Tsoumas, Ph.D.1, Angelos A. Antzoulatos, Ph.D.1, and Ekaterini Panopoulou, Ph.D.2. (1) Banking & Financial Management, University of Piraeus, 80 Karaoli & Dimitriou street, Piraeus, 18534, Greece, (2) Statistics & Insurance Science, University of Piraeus, 80 Karaoli & Dimitriou street, Piraeus, 18534, Greece