Department of Information Systems, University of Maryland, Baltimore County, 1000 Hilltop Circle, MD 21050, USA. hfliu@umbc.edu|Department of Information Systems, University of Maryland, Baltimore County, 1000 Hilltop Circle, MD 21050, USA. hfliu@umbc.edu|Department of Information Systems, University of Maryland, Baltimore County, 1000 Hilltop Circle, MD 21050, USA. hfliu@umbc.edu