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:// Ishikawa, K. (1985). What is Total Quality Control? The Japanese Way. London, England: Prentice Hall. Johnson, E., & Sherraden, M.S. (2007). From Financial Literacy to Financial Capability Among Youth. Journal of Sociology and Social Welfare, (34(3)), 119-145. Kivial, B., & Morduch, J. (2012). From Financial Literacy to Financial Action. A White Paper for the McGraw- Hill Research Foundation, (January 2012), 1-20. Lusardi, A., Mitchell, O.S., & Curto, V. (2010). Financial Literacy Among the Young. The Journal of Consumer Affairs, (44(2)), 358

References Alsaig, A., Alagar, V., Chammaa, Z., & Shiri, N. (2019). Characterization and Efficient Management of Big Data in IoT-Driven Smart City Development. Sensors , 19 (11), 2430. Arasteh, H., Hosseinnezhad, V., Loia, V., Tommasetti, A., Troisi, O., Shafie-khah, M., & Siano, P. (2016). Iot-based smart cities: A survey. 2016 IEEE 16th International Conference on Environment and Electrical Engineering (EEEIC) , 1–6. Basumatary, M. G., & Anand, S. (2018). Sustainable urban

References Alexander, C. (1977). A Pattern Language: Towns, Buildings, Construction. Oxford: University Press. Andress, J. (2014). The Basics of Information Security: Understanding the Fundamentals of InfoSec in Theory and Practice. Amsterdam: Syngress. Batty, M., Axhausen, K. W., Giannotti, F., Pozdnoukhov, A.,Bazzani, A., Wachowicz, M., et al. (2012). Smart cities of the future. European Physical Journal Special Topics, 214 (1), 481–518 Birkmann, J. J., & von Teichman, K. (2010). Integrating disaster risk reduction and climate change adaptation: Key challenges

.ecolecon.2019.01.025 Kareklas, I., Carlson, J.R., & Muehling, D.D. (2014). ‘I eat organic for my benefit and yours’: egoistic and altruistic considerations for purchasing organic food and their implications for advertising strategists. Journal of Advertising, (43), 18-32. [Accessed 20.03.2019]. Available from Internet: . Kilbourne, W., McDonagh, P., & Prothero, A., (1997). Sustainable consumption and the quality of life: a macromarketing challenge to the dominant social paradigm. Journal of Macromarketing , 17 (1), 4

economic development. Science and Public Policy , 45 (2), 286–287. G20 (2020). G20 2020 Saudi Arabia [Accessed 20.02.2020]. Available from Internet: Greenwood, D. T., & Holt, R. P. F. (2014). Local Economic Development in the 21st Century: Quality of Life and Sustainability: Quality of Life and Sustainability . Taylor & Francis. Hansun, S. (2013). A new approach of moving average method in time series analysis . 2013 International Conference on New Media Studies, CoNMedia 2013