1. Institute of Information Management, National Cheng Kung University, Tainan, Taiwan
2. University of Economics and Law, Ho Chi Minh City, Vietnam
3. Vietnam National University, Ho Chi Minh City, Vietnam
4. HoChiMinh City University of Technology (HCMUT), Vietnam National University, Ho Chi Minh City (VNU-HCM), HCMC, Vietnam
5. Department of Industrial and Information Management, National Cheng Kung University, Tainan, Taiwan
6. Center for Innovative FinTech Business Models, National Cheng Kung University, Tainan, Taiwan