Affiliation: | 1.Centre for Responsible Banking and Finance, School of Management, University of St Andrews, The Gateway, North Haugh, St Andrews, KY16 9RJ, UK ;2.Henley Business School, University of Reading, Reading, RG6 6UD, UK ;3.Portsmouth Business School, University of Portsmouth, Portsmouth, PO1 3DE, UK ;4.Cardiff Business School, Cardiff University, Cardiff, CF10 3EU, UK ; |