1. Department of Business Administration; Daegu University; Jillyang Gyeongsan Gyeongbuk 712-714 Korea
2. John B. Zellars Professor of Computer Information Systems, J. Mack Robinson College of Business; Georgia State University; P.O. Box 4015 Atlanta Georgia 30302-4015 USA
3. Sungkyunkwan University; Jongno-gu Seoul 110-745 Korea