Hendra Mayatopani^(1*),

(1) Information Systems Program, Pradita University, Indonesia

Ajang Sopandi^(1*),

(1) Department of Informatics Engineering, Faculty of Engineering, University of Muhammadiyah Tangerang, Indonesia

Qurrotul Aini^(1*), Jehad A H Hammad⁽²⁾, Taslim Taher⁽³⁾, Mohammed Ikhlayel⁽⁴⁾,

(1) Dept. of Information Systems, UIN Syarif Hidayatullah Jakarta, Indonesia
(2) Department of Computer Information Systems Al-Quds Open University, Palestine
(3) Department of Computer Science & Engineering International University of Business Agriculture and Technology, Dhaka, Bangladesh
(4) Dept. of Information Technology and Communications Al-Quds Open University, Palestine

Andhika Rafi Hananto^(1*), Silvia Anggun Rahayu⁽²⁾, Taqwa Hariguna⁽³⁾,

(1) Departement of Information Systems, Universitas Amikom Purwokerto, Indonesia
(2) Department of Information Systems, Universitas Amikom Purwokerto, Indonesia
(3) Departement of Information Systems, Universitas Amikom Purwokerto, Indonesia

Van-Dat Tran^(1*), Minh Dung Nguyen⁽²⁾, Thi Ngoc Linh Vo⁽³⁾, Thu Quynh Dinh⁽⁴⁾,

(1) Banking University of Hochiminh City, Vietnam
(2) Banking University of Hochiminh City, Vietnam
(3) Banking University of Hochiminh City, Vietnam
(4) Banking University of Hochiminh City, Vietnam