References and Recommendations (1)Prof. Ron Krate, Founder, International Professors Project on January 15, 2021. (2)Mohammed Sultan on January 16, 2019. (3) Prof. Ron Krate, Founder, International Professors Project on May 16, 2017. (4) Julio Aliaga Giraldo on November 18, 2016. (5) Paulina Anzaldo on January 28, 2016. References For Jayanta K Nanda Vijendra Agarwal, PhDProfessor Emeritus, Consultant, Social Entrepreneur, Speaker, and Writer.Ph: +1-6515286763 (Home) , +1 (701) 200-1960Email: agarwalvj@gmail.com Sripriya Sarathy,Transformational Leader in Organizational Excellence.Ph: +1-9802022922Email: sripriya.sarathy@gmail.com Gudaru Anand Rao, Ph.D.Vice President Treasury Transformation Lead at Citi.Ph: +1-2019826107Email: agudaru@gmail.com