Nicholas Apergis, Ph.D., Department of Banking & Financial Management, University of Piraeus, 80 Karaoli & Dimitriou Str, Piraeus, 18534, Greece, Ekaterini Panopoulou, Ph.D., Statistics & Insurance Science, University of Piraeus, 80 Karaoli & Dimitriou street, Piraeus, 18534, Greece, and Chris Tsoumas, Ph.D., Banking & Financial Management, University of Piraeus, 80 Karaoli & Dimitriou street, Piraeus, 18534, Greece.