||Point Of View Research Management [POVREMA] is an open access. This Journal published in (February, Mey, August and November). The scope of journal is: Finance and wealth management, Marketing, Human Resource Management, Strategic Management, Operations, Entrepreneurship, Banking Ethics, Banking Operation and Management. This journal aims to publish high quality significant original research, expert analyses, new case studies, and reviews in accounting and auditing. The journal welcomes theoretical, empirical, and case studies contributions. Its objective is to provide an international forum for the publication of double-blind peer reviewed submissions.This Journal published in (February, May, August and November).