1. Silc Business School, Shanghai University, Shanghai 200444, China
2. School of Economics and Management, Beijing University of Chemical Technology, Beijing 100029, China
3. Fundamental Technology Center, China Construction Bank Financial Technology Co., Ltd., Shanghai 200120, China
4. School of Management, Xi’an Jiaotong University, Xi’an 710049, China
5. International Business School, Shaanxi Normal University, Xi’an 710062, China