ihongmu@yahoo.co.jp
sylim@waseda.jp
seunghohwang@akane.waseda.jp
johnny.yao.01@gmail.com
© 2025 Hongmu Lee, Soyoung Lim, Seungho Hwang, Yangyang Yao, published by International Academy of Financial ConsumersThis work is licensed under the Creative Commons Attribution-NonCommercial-NoDerivatives 3.0 License.