[1] Tarleton State Univ, Dept Mkt & Comp Informat Syst, Stephenville, TX 76401 USA
[2] Univ North Texas, Dept Informat Technol & Decis Sci, Denton, TX USA
[3] Univ North Texas, G Brint Ryan Coll Business, Dept Informat Technol & Decis Sci, Denton, TX USA