1. Department of Industrial and Information Management, Center for Innovative FinTech Business Models, National Cheng Kung University, Tainan 70101, Taiwan;
2. School of Computer Science and Software, Zhaoqing University, Zhaoqing 526061, China;
3. Department of Industrial and Information Management, National Cheng Kung University, Tainan 70101, Taiwan;
4. Department of Industrial, Manufacturing & Systems Engineering, University of Texas, El Paso, Texas 79968