1. College of Wealth Management, Ningbo University of Finance & Economics, Ningbo, People’s Republic of China
2. Department of Economics, Sejong University, Seoul, South Korea
3. School of Business, Hangzhou City University, Hangzhou, People’s Republic of China
4. Institute of Digital Finance, Hangzhou City University, Hangzhou, People’s Republic of China
5. Department of Logistics, Service & Operations Management, Korea University Business School, Seoul, South Korea