First Author:   Noureddine Kouaissah Excelia Business School, CERIIM, La Rochelle, France nkouaissah@gmail.com   nkouaissah@gmail.com La Rochelle, France       Second Author: Amin Hocine International University of Rabat, RBS College of Management, BEARLab amin.hocine@uir.ac.ma