First Author:   Noureddine Kouaissah International University of Rabat, RBS College of Management, BEARLab noureddine.kouaissah@uir.ac.ma   noureddine.kouaissah@uir.ac.ma Rabat, Morocco       Second Author: Sergio Ortobelli lozza University of Bergamo, Department of MEQM sergio.ortobelli@unibg.it   Bergamo, Italy