First Author:   Ana Brochado Instituto Universitário de Lisboa (ISCTE-IUL), DINÂMIA´CET – IUL ana.brochado@iscte-iul.pt         Second Author: Carla Azevedo lobo Universidade Portucalense, Research on Economics, Management and Information Technologies (REMIT) cadsa@upt.pt         Third Author: Luís Pacheco Universidade Portucalense, Research on Economics, Management and Information Technologies (REMIT) Luisp@upt.pt         Fourth Author: Isabel Maldonado Universidade Portucalense, Research on Economics, Management and Information Technologies (REMIT) ianm@upt.pt