Published on in Vol 22, No 4 (2020): April
Preprints (earlier versions) of this paper are
available at
https://preprints.jmir.org/preprint/16526, first published
.
1 Shantou University Business School, Shantou, China
2 China Life Property & Casualty Insurance Company Limited, Beijing, China
3 Henan Foreign Trade School, Zhengzhou, China