About the Authors

Ning Wang

Roles Conceptualization, Data curation, Formal analysis, Funding acquisition, Investigation, Methodology, Project administration, Resources, Supervision, Validation, Visualization, Writing – original draft, Writing – review & editing

2150091001@st.btbu.edu.cn (NW); wangfj@th.btbu.edu.cn (FJW)

Affiliations Business School, Beijing Technology and Business University, Beijing, China, School of Digital Finance, Beijing Institute of Economics and Management, Beijing, China

Fengjuan Wang

Roles Conceptualization, Supervision

2150091001@st.btbu.edu.cn (NW); wangfj@th.btbu.edu.cn (FJW)

Affiliation Business School, Beijing Technology and Business University, Beijing, China

Competing Interests

The authors have declared that no competing interests exist.