1. Department of Information Technology & Decision Sciences, G. Brint Ryan College of Business, University of North Texas, Texas, U.S.A
2. School of Business, Yeungnam University, 280 Daehak-ro, Gyeongsan, Gyeongbuk, Republic of Korea
3. Department of Computer Information Systems, College of Business Administration, California State Polytechnic University, Pomona, CA, USA