Al-Qaisi, Khaldoun M., and Rafat M. Al-Batayneh. “Risk Factors in Financial Services Industry: Application, Threats, Theoretical and Empirical Literature in Management of Risk”. International Journal of Economics and Financial Issues, vol. 8, no. 2, Mar. 2018, pp. 210-8, https://econjournals.com/index.php/ijefi/article/view/4527.