“…Following the procedures mentioned in Hasan and Bao (2020), Azim et al (2020) and Miah et al (2017), the present study adopted the mixed method-quantitative approach by conducting a pilot study and -qualitative method through an online focus group study among a group of potential respondents from diverse backgrounds, including different genders, educations, ages, incomes, geographical locations, etc. Finally, independent t-tests were run among the first 50 and last 50 responses to observe the stability of the construct at two different times (T1 and T2) and the nonresponse bias (Armstrong and Overton, 1977), and we observed no significant variance in T1 and T2 (Azim et al, 2019;Azim et al, 2020) with a significant correlation (p < 0.01) between T1 and T2 (Ding and Yu, 2020).…”