1. Faculty of Economics and Business, Universitas Sebelas Maret, Surakarta, Indonesia
2. Centre for Fintech and Banking, Universitas Sebelas Maret, Surakarta, Indonesia
3. Faculty of Behavioural, Management and Social Sciences, University of Twente, Enschede, the Netherlands
4. Gabelli School of Business, Fordham University, New York, NY, USA