Nabaz Khayyat is an engineering economist with an MSc and a PhD in IT Engineering from Seoul National University (Seoul, South Korea). He has second PhD degree in Economics from Swiss Management University (Zurich, Switzerland). He is currently President of AWA Organization for Sustainable Development in Iraq, and working for the World Bank as a private sector specialist. He was Vice President for Academic Affairs, Knowledge University, and the Head of the Economics and Finance Department at the University of Kurdistan Hewler. He has also worked in the Faculty of Business at the University of Liverpool in the UK. Dr. Nabaz is very active in research and has published numerous books and articles in international journals. He also supervised numerous students in their master’s and Ph.D. studies at the University of Liverpool and the University of Kurdistan Hewler.  Goran M. Muhamad is an experienced economist with a M.Sc. in Economics from the University of Nottingham, UK, and a Ph.D. in Economics from University of Kurdistan Hewler. He has worked in academia, consultancy, and management in various industries. His research is internationally recognized focusing on a diversified range of subjects related to economics, with a particular focus on natural resource economics, private sector development, environmental economics, developing countries, and post-conflict affected areas

• Ch1 Assessing Innovation Capability and Technological Readiness for the KRG.- Ch 2 Examining Customer State Preferences of Mobile Services in the Kurdistan Region of Iraq.- Ch 3 Investigating the Factors affecting Mobile Money Adoption in the Kurdistan Region of Iraq.- Ch 4 Investigating the Determinant Factors of Telemedicine Adoption in the Kurdistan Region of Iraq.- Ch 5 Consumers’ Current State Preferences for Internet Banking Services.- Ch 6 Transferring Lean to Service: Application to the Kurdistan Banking Industry.- Ch 7 Adoption of Social Media in Small and Medium Enterprises in the Kurdistan Region of Iraq.- Ch 8 Online Reviews on Facebook and Their Influence on Customers’ Purchase Intention in the Kurdistan Region of Iraq Restaurants.

Nabaz Khayyat is an engineering economist with an MSc and a PhD in IT Engineering from Seoul National University (Seoul, South Korea). He has second PhD degree in Economics from Swiss Management University (Zurich, Switzerland). He is currently President of AWA Organization for Sustainable Development in Iraq, and working for the World Bank as a private sector specialist. He was Vice President for Academic Affairs, Knowledge University, and the Head of the Economics and Finance Department at the University of Kurdistan Hewler. He has also worked in the Faculty of Business at the University of Liverpool in the UK. Dr. Nabaz is very active in research and has published numerous books and articles in international journals. He also supervised numerous students in their master’s and Ph.D. studies at the University of Liverpool and the University of Kurdistan Hewler.  Goran M. Muhamad is an experienced economist with a M.Sc. in Economics from the University of Nottingham, UK, and a Ph.D. in Economics from University of Kurdistan Hewler. He has worked in academia, consultancy, and management in various industries. His research is internationally recognized focusing on a diversified range of subjects related to economics, with a particular focus on natural resource economics, private sector development, environmental economics, developing countries, and post-conflict affected areas

• Ch1 Assessing Innovation Capability and Technological Readiness for the KRG.- Ch 2 Examining Customer State Preferences of Mobile Services in the Kurdistan Region of Iraq.- Ch 3 Investigating the Factors affecting Mobile Money Adoption in the Kurdistan Region of Iraq.- Ch 4 Investigating the Determinant Factors of Telemedicine Adoption in the Kurdistan Region of Iraq.- Ch 5 Consumers’ Current State Preferences for Internet Banking Services.- Ch 6 Transferring Lean to Service: Application to the Kurdistan Banking Industry.- Ch 7 Adoption of Social Media in Small and Medium Enterprises in the Kurdistan Region of Iraq.- Ch 8 Online Reviews on Facebook and Their Influence on Customers’ Purchase Intention in the Kurdistan Region of Iraq Restaurants.

Nabaz Khayyat is an engineering economist with an MSc and a PhD in IT Engineering from Seoul National University (Seoul, South Korea). He has second PhD degree in Economics from Swiss Management University (Zurich, Switzerland). He is currently President of AWA Organization for Sustainable Development in Iraq, and working for the World Bank as a private sector specialist. He was Vice President for Academic Affairs, Knowledge University, and the Head of the Economics and Finance Department at the University of Kurdistan Hewler. He has also worked in the Faculty of Business at the University of Liverpool in the UK. Dr. Nabaz is very active in research and has published numerous books and articles in international journals. He also supervised numerous students in their master’s and Ph.D. studies at the University of Liverpool and the University of Kurdistan Hewler.  Goran M. Muhamad is an experienced economist with a M.Sc. in Economics from the University of Nottingham, UK, and a Ph.D. in Economics from University of Kurdistan Hewler. He has worked in academia, consultancy, and management in various industries. His research is internationally recognized focusing on a diversified range of subjects related to economics, with a particular focus on natural resource economics, private sector development, environmental economics, developing countries, and post-conflict affected areas

• Ch1 Assessing Innovation Capability and Technological Readiness for the KRG.- Ch 2 Examining Customer State Preferences of Mobile Services in the Kurdistan Region of Iraq.- Ch 3 Investigating the Factors affecting Mobile Money Adoption in the Kurdistan Region of Iraq.- Ch 4 Investigating the Determinant Factors of Telemedicine Adoption in the Kurdistan Region of Iraq.- Ch 5 Consumers’ Current State Preferences for Internet Banking Services.- Ch 6 Transferring Lean to Service: Application to the Kurdistan Banking Industry.- Ch 7 Adoption of Social Media in Small and Medium Enterprises in the Kurdistan Region of Iraq.- Ch 8 Online Reviews on Facebook and Their Influence on Customers’ Purchase Intention in the Kurdistan Region of Iraq Restaurants.