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