1. Department of Information and Service Economy; Aalto University School of Business; Helsinki Finland
2. Department of Information Technologies; Åbo Akademi University; Turku Finland
3. RiskLab Finland; Arcada University of Applied Sciences; Helsinki Finland
4. Department of Computer Science and Engineering; University of Oulu; Oulu Finland
5. Information Systems Science, Department of Management and Entrepreneurship, Turku School of Economics; University of Turku; Turku Finland