1. International Business School, Yunnan University of Finance and Economics, Kunming, China
2. School of Finance, Yunnan University of Finance and Economics, Kunming, China
3. Faculty of Management Sciences, Hazara University, Hazara, Pakistan
4. Faculty of Management Sciences, University of Central Punjab, Lahore, Pakistan
5. Division of Science & Technology Administration, Yunnan University of Finance and Economics, Yunnan Key Laboratory of Service Computing, Kunming, China