1. Curtin University Malaysia,Faculty of Business,Dept. of Acct., Finance, and Economics,Miri,Sarawak,Malaysia,98009
2. University of Southampton Malaysia,Computer Science Program,Nusajaya,Johor,Malaysia,79100
3. Curtin University Malaysia,Faculty of Engineering and Science,Dept. of Chemical and Energy Eng.,Miri,Sarawak,Malaysia,98009
4. Curtin University,Sch. of Acct., Economics, and Finance, Faculty of Business and Law,Bentley,Perth,Australia,6102
5. University of Southampton Malaysia,Dept. of Electrical and Electronic Eng.,Nusajaya,Johor,Malaysia,79100