1. Department of Technology and Society, The State University of New York-Korea , 119-2 Songdo, Moonhwa-Ro, Yeonsu-Gu, Incheon 21985, Republic of Korea
2. Seoul Center for Finance and Innovation, World Bank , 37th Floor, Tower 2, 241 Incheon Tower Road, Yeonsu-gu, Incheon 22009, Republic of Korea
3. Technology Management, Economics and Policy Program, Seoul National University , 1 Gwanak-ro, Gwanak-gu, Seoul 08826, Republic of Korea
4. Department of Technology and Society, Stony Brook University , 1431 Computer Science, Stony Brook, NY 11794, United States