1. Ping An Property and Casualty Insurance Company of China Ltd., Shenzhen, China
2. Tepper School of Business, Carnegie Mellon University, Pittsburgh, PA, USA
3. Tandon School of Engineering, New York University, New York, NY, USA
4. SC Johnson Graduate School of Management, Cornell University, Ithaca, NY, USA
5. Department of Computer Science, Cornell University, Ithaca, NY, USA
6. College of Information Science and Electronic Engineering, Zhejiang University, Hangzhou, China
7. Sage IT Consulting Group, Shanghai, China