Information Systems and Management Science Conference Proceedings of 3rd International Conference on Information Systems and Management Science (ISMS) 2020 - Garg, Lalit; Kesswani, Nishtha; Vella, Joseph G.; Xuereb, Peter A.; Lo, Man Fung; Diaz, Rowell; Misra, Sanjay; Gupta, Vipul; Randhawa, Princy (Lecture Notes in Networks and Systems, 2022)