1. Department of Intelligent Commerce, National Kaohsiung University of Science and Technology, Kaohsiung 82445, Taiwan
2. AI Fintech Center, National Kaohsiung University of Science and Technology, Kaohsiung 82445, Taiwan
3. Department of Finance and Information, National Kaohsiung University of Science and Technology, Kaohsiung 82445, Taiwan
4. The Faculty of E-Commerce, University of Economics, The University of Danang, Danang 550000, Vietnam