1. a Department of Decision and Information Sciences , School of Business Administration, Oakland University , Rochester, MI 48309-4493, USA
2. b MIS Department , Eller College of Business and Public Administration, University of Arizona , Tucson, AZ 85719, USA E-mail:
3. c Department of Decision and Information Sciences , School of Business Administration, Oakland University , Rochester, MI 48309-4493, USA E-mail: