1. Department of Information Management, National Taiwan University, Taipei City 106, Taiwan
2. Financial Technology Applications Program, Ming Chuan University, Taoyuan City 330, Taiwan
3. Department of Information Management, Tunghai University, Taichung City 407, Taiwan
4. Department of Computer Science and Information Engineering, National Taipei University, Sanxia District, New Taipei City 237, Taiwan
5. Department of Information Management, Chaoyang University of Technology, 168 Jifeng E. Rd., Wufeng District, Taichung City 413, Taiwan