Funding for this research was provided by:
Ministry of Science and ICT (N/A)
Article History
Received: 22 March 2022
Accepted: 10 March 2023
First Online: 27 March 2023
Declarations
:
: The authors have no relevant financial or non-financial interests to disclose.
: This study uses deidentified confidential data collected and approved by Korea Credit Bureau. No ethical approval is required.