1. School of Commerce, University of Southern Queensland, Toowoomba, Queensland, Australia
2. Centre for Health, Informatics and Economic Research, University of Southern Queensland, Toowoomba, Queensland, Australia
3. Economics Discipline, Social Science School, Khulna University, Khulna, Bangladesh
4. School of Accounting, Economics, and Finance, University of KwaZulu-Natal, Durban, South Africa