1. Faculty of Engineering and Quantity Surveying, INTI International University, Persiaran Bandar Baru Nilai, 71800 Nilai, Malaysia
2. Institute of Actuarial Science and Data Analytics, UCSI University, 56000 Kuala Lumpur, Malaysia
3. Institute of Mathematical Sciences, Faculty of Science, Universiti Malaya, 50603 Kuala Lumpur, Malaysia