Cemil S¿enel works as an associate professor at Ankara Hac¿ Bayram Veli University, Türkiye. He teaches financial management and investment analysis courses at the undergraduate, master's and doctoral levels. His research areas include finance, banking, investment analysis and financial technology. Mücahit Burak Ünlüönen is an assistant professor at Ankara Hac¿ Bayram Veli University, Türkiye. He teaches management and organization, contemporary management approaches at the undergraduate level and competitive strategies at the graduate level. His research interests include strategic management and organizational behavior. Muhammed Veysel Kaya is a professor at Ankara Haci Bayram Veli University, Türkiye. He teaches macroeconomics and central banking in postgraduate and PhD programmes. His research interests include macroeconomics, banking, monetary policy and economic growth.