1. Department of Information Systems & Business Analytics, College of Business, California State University, Sacramento, CA, USA
2. Department of Information Systems, Finance, and Accounting, College of Business, California State University, Chico, CA, USA
3. Black School of Business, Penn State Erie, The Behrend College, Erie, PA, USA
4. Department of Information Technology and Decision Sciences, College of Business, University of North Texas, Denton, TX, USA