1. School of Information Management, Jiangxi University of Finance and Economics, Nanchang, People’s Republic of China
2. School of Business, Minnan Normal University, Zhangzhou, People’s Republic of China
3. School of Business Administration, Jiangxi University of Finance and Economics, Nanchang, People’s Republic of China
4. Faculty of Information Technology, University of Jyväskylä, Jyväskylä, Finland