About the Authors

Sang Hak Sohn

Roles Conceptualization, Methodology, Project administration

Affiliation PPS Company, Seoul, Korea

Jong Mun Yoon

Roles Methodology, Writing – original draft

Affiliation The Credit Finance Association, The Credit Finance Research Institute, Seoul, Korea

Seongmin Jeon

Roles Conceptualization, Project administration, Writing – original draft

smjeon@gachon.ac.kr

Affiliation College of Business, Gachon University, Seongnam, Korea

Competing Interests

The authors have declared that no competing interests exist.