1. Graduate School of Innovation and Practice for Smart Society, Hiroshima University, Kagamiyama, Higashi- Hiroshima, Japan
2. The IDEC Institute and the Graduate School of Humanities and Social Sciences, Hiroshima University, Kagamiyama, Higashihiroshima, Hiroshima, Japan
3. Graduate School of Humanities and Social Sciences, Hiroshima University, Kagamiyama, Higashi- Hiroshima, Japan
4. Bangladesh Bank, Head Office, Dhaka, Bangladesh