First Author:   Chen-hsun Lee Department of Money and Banking, National Kaohsiung First University of Science and Technology leeblade@nkfust.edu.tw   No. 1, University Rd., Yanchao Dist., Taiwan Kaohsiung, 824, Taiwan (R.O.C.)   +886-7-6011000-3101(Phone) +886-7-6011000-3101(Fax) http:// Second Author: Ginny ju-ann Yang Department of Money and Banking, National Kaohsiung First University of Science and Technology ginny@nkfust.edu.tw         Third Author: Koyin Chang Department of Healthcare Information and Management, Ming Chuan University kychang@mail.mcu.edu.tw         Fourth Author: Yung-Hsiang Ying Undergraduate Program of Business Administration, National Taiwan Normal University yying@ntnu.edu.tw