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Article History

Received: 7 May 2024

Revised: 5 May 2025

Accepted: 21 May 2025

First Online: 11 June 2025

Declarations

:

: The authors declare that there exists no competing financial interest or personal relationships that could have appeared to influence the work reported in this paper.

: Prior to the study commencing, we obtained ethical approval from the Research Ethics Committee of the Central University of Finance and Economics (approval number: AC-SB-CUFE-2021-0013). Before data collection, all interviewees were provided Participant Information Leaflets, gave written consent to be interviewed, and agreed to have their responses analyzed for this research. The consent forms adhered to the Declaration of Helsinki and related ethical standards. Researchers explained to potential participants the purpose, procedures, assessments, potential risks, and benefits of this study and outlined our intentions to publish findings in peer-reviewed journals or conference proceedings. Prior to their participation, participants had been clearly informed that their involvement was entirely voluntary and they could withdraw at any time without providing a reason. This study was performed in line with the Helsinki Declaration and its subsequent amendments or comparable ethical standards.

: Informed consent was obtained from all individual participants included in the study.

: All participants had agreed to publish findings based on their interview data in peer-reviewed journals or conference proceedings in the future before recruitment.