1. Department of Information Systems & Business Analytics, College of Business, California State University Sacramento, Sacramento, CA, USA
2. Department of Computer Science, College of Arts and Sciences, California State University Channel Islands, Camarillo, CA, USA
3. Department of Finance, Economics & Information Systems, Marilyn Davies College of Business, University of Houston-Downtown, Houston, TX, USA
4. Department of Finance, Zeigler College of Business, Bloomsburg University of Pennsylvania, Bloomsburg, PA, USA