• Proceedings of the KAIS Fall Conference
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• 2010.05b
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• pp.928-932
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• 2010

본 논문은 한국 및 독일 보험회사의 해외 진출 모델을 비교 연구한다. 특히, 독일 법률비용보험회사의 한국 진출 사례를 분석하여 국내 보험회사의 해외진출에 주는 시사점을 제시한다. 연구방법론으로서 한국 및 독일 보험회사의 해외 진출사례를 수집하여 비교 분석한다. 이를 위하여 각 보험회사의 해외진출 담당자와 면담, 이메일(e-mail), 전화상담 방법을 사용한다. 그리고 문헌연구를 통하여 연구의 이론적 배경과 기존의 연구결과를 분석한다. 본 연구에서는 보험회사 해외진출의 이론적인 배경으로서 고객지향 현지화전략, 수익지향전략, 신규특화시장 개척전략, 성장시장 진출전략 4개 요인으로 구분한다. 국내 보험회사는 해외 성장시장 진출 측면에서 긍정적인 반면에 수익지향, 현지화전략과 해외 신규 특화시장 개척 부분에서 아직 개선될 부분이 있는 것으로 분석되었다. 독일 보험회사는 한국 시장에 진출하면서 철저한 현지화전략, 특화시장 개척, 성장시장에 진출의 3개 부분에서 모두 긍정적인 것으로 분석되었다. 보험회사 해외진출의 이론적 배경 4개 요인을 적용하여 비교 분석한 결과 독일 보험회사의 사례와 같이 한국 보험회사가 해외에 진출할 경우에 보다 철저한 현지화 전략과 특화시장 개척 전략이 필요하다는 점을 제시한다. 본 연구의 한계점은 독일 법률비용보험회사 1개사를 대상으로 하고 있다는 점이며, 진출 초기라서 아직 경영실적이 뒷받침되지 않고 있다는 점이다. 향후 연구과제로서 일정시점이 지난 후에 국내 보험시장에서 독일 법률비용보험회사의 발전추이를 분석하여 시사점을 분석하고 법률보험시장에서 도덕적 위태 방지 연구, 소비자 보호를 강화할 수 있는 방안 연구를 향후 연구과제로 제시한다.

• The Korean Journal of Applied Statistics
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• v.31 no.6
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• pp.771-783
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• 2018

The life insurance industry is interested in various factors that influence the long-term extensions of insurance contracts such as the necessity for the advisors' long-term management of consumers, product consulting, and improvement of the investment aspects. This paper investigates important factors leading to a long-term contract that forms an important part of the life insurance industry in Korea. For this purpose we used the data of contents (i.e., data from Jan 1, 2011 to Dec 31, 2016) of the contracts of xxx insurance company. In this paper, we present how to select important variables to influence the duration of the contract maintenance via a penalized Cox's proportional hazards (PH) modelling approach using insurance life data. As the result of analysis, we found that the selected important factors were the advisor's status, the reward type 2 (annuity insurance) and tendency 4 (safety-pursuing type).

• Journal of Information Technology Services
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• v.22 no.5
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• pp.1-16
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• 2023

This study aimed to provide fundamental insights into the digital customer experience by identifying its components and analyzing their importance and satisfaction levels among youths. To achieve this objective, the components of digital customer experience were identified through a review of prior research and consultation with experts. Subsequently, a survey was conducted with 200 youths in Seoul and Gyeonggi-do. The main findings of the study are as follows: First, The components of the digital customer experience consisted of 12 items grouped into three categories. Second, an analysis of the disparity between the importance and satisfaction levels of digital customer experience revealed statistically significant differences across all items. Third, By utilizing IPA (Importance-Performance Analysis), the digital customer experience was categorized into four quadrant, each with its own characteristics and recommendations for management: The first quadrant, the "current level maintenance area," encompassed items related to "entertainment" and "recommended service." This area is currently functioning well but necessitates continuous attention and management. The second quadrant, the "area to be supported first," included items such as "personalization," "security," "inducing participation," "privacy," and "individuality expression." Intensive management and improvements are imperative in this quadrant. The third quadrant, the "long-term improvement area," consisted of items like 'consistency,' 'information quality,' and 'convenience.' These items require focus on long-term enhancement efforts. The fourth quadrant, the "areas where efforts have already been invested," encompassed items like 'accessibility' and 'deliberation.' It appears that excessive investment has been made in these areas relative to their importance, calling for selective investments while considering the specific issues associated with each factor. These research findings serve as essential data for managing the digital customer experiences of youths.

• Journal of Service Research and Studies
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• v.9 no.3
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• pp.39-60
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• 2019

The purpose of this study is to analyze the determinants of insurance product cross selling performance. For the study, 11 insurance managers and 2 sales managers belonging to A insurance agency were selected and in-depth interviews were conducted. The analysis of the research data was done by the open coding method suggested by Strauss & Corbin(2001). As a result, 84 concepts, 28 subcategories and 10 categories were derived. The ten categories that were determinants of insurance product cross-selling performance were personal characteristics, consultation method, cross-selling ratio, sales culture, education, customer change, customer DB provision, satisfaction, business support system, and customer service. In order to verify the qualitative results, quantitative analysis was emplyed to the actual performance data of insurance planners belonging to A insurance agency during April 2016~March 2019. As a result of the analysis, the age, position, and the number of months worked in the insurance company had a statistically significant effect on the number of life insurance contracts in total insurance contracts and life insurance contracts in total insurance contracts. In addition, the age, position, and the number of months worked in the insurance company had a statistically significant negative impact on the number of non-life insurance contracts in the total number of insurance contracts and the total amount of insurance contracts in total insurance contracts. The result of this study can be an important basic data for the development of educational programs and job support systems for the training of insurance planners. Insurance companies should refer to ten categories derived from qualitative research in order to increase the performance of insurance planners and to promote long-term service. Especially, it is necessary to develop specialized education programs and job support systems so that cross sales that increase the proportion of life insurance sales increase.

• Journal of Service Research and Studies
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• v.11 no.2
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• pp.37-66
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• 2021

This study aims to provide self-development opportunities to hair salons service workers through e-learning and provide the foundation of sustainable hair salons management by cultivating good talents to hair salons service business executives. In particular, the factors affecting e-learning achievement are identified according to learner characteristics to see whether these factors affect the satisfaction of e-learning learners and also affect the performance of management. The results of the study are summarized as follows. As a result of hypotheses testing on the relationship between e-learning learning environment and e-learning satisfaction, it was found that the higher the level of e-learning content quality is, the higher the satisfaction of e-learning is, the higher the satisfaction of e-learning is, and that the higher the quality level of the support infrastructure is, the higher the satisfaction of e-learning is. The results of the hypotheses testing on the moderating effect of learner factors showed that the influence of the quality of the support infrastructure on the e-learning satisfaction differs according to the level of the learner's goal consciousness. However, it was found that the influence of content quality on e-learning satisfaction according to the level of the learners goal awareness, the influence of content quality on e-learning satisfaction according to the level of the aggressiveness of the learners learning attitude, and the influence of the quality of the support infrastructure on the e-learning satisfaction according to the level of the aggressiveness of learners learning attitude were found to identically demonstrate no moderating effects. The results of hypotheses testing on the relationships among e-Learning performance show that the higher the satisfaction of e-learning was, the higher the customer orientation was, and the higher the satisfaction of e-learning was, the higher the contribution of management performance was, and the higher the customer orientation was, the higher the contribution of management performance was. The implications of this study are as follows. First, the actual path of realiting e-learning performance could be identified that is this study provided organizational decision makers involved in the hair salons service operations with practical guidance for the introduction and expansion of successful educational systems. Second, the e-learning environment derived from the theoretical background is different from the e-learning environment required by the learners.

• Journal of the Korea Academia-Industrial cooperation Society
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• v.11 no.8
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• pp.2876-2881
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• 2010

This paper attempts to find out implications based on the comparative analysis of overseas expansion model between the Korean insurance companies and the German one. There are three types of the strategies of the overseas-expansion-model of insurer, i.e. customer-oriented localized strategy, niche market-oriented strategy, and growing market-oriented strategy. From the review of related literatures and through an interview conducted by the insurance specialist, the findings are some differences between Korean and German insurance companies, when they go into foreign insurance markets. Th significant differences between Korean and German insurers are a customer oriented localized strategy and niche market oriented strategy. The Korean insurer shows a strength on the overseas-expansion-strategy, but the most clients of the Korean insurer on overseas markets are also Korean companies and Korean immigrants. The Korean legal expenses insurance market is yet in its embryonic stage, while the German legal expenses insurance company is pushing ahead with a strategy focused on localization and niche market on the legal expenses insurance product. In conclusion, like a case of the German legal expenses insurance company, the Korean insurer needs a customer oriented localized strategy as well as a niche market oriented strategy on the overseas insurance market.

• Journal of Korea Society of Industrial Information Systems
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• v.26 no.6
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• pp.119-133
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• 2021

Research has been conducted in many fields to identify research trends using text mining, but in the field of emotional labor, no research has been conducted using text mining to identify research trends. This study uses text mining to deeply analyze 1,465 papers at the Korea Citation Index (KCI) from 2004 to 2019 containing the subject word 'emotional labor' to understand the trend of emotional labor researches. Topics were extracted by LDA analysis, and IDM analysis was performed to confirm the proportion and similarity of the topics. Through these methods, an integrated analysis of topics was conducted considering the usefulness of topics with high similarity. The research topics are divided into 11 categories in descending order: stress of emotional labor (12.2%), emotional labor and social support (12.0%), customer service workers' emotional labor (10.9%), emotional labor and resilience (10.2%), emotional labor strategy (9.2%), call center counselor's emotional labor (9.1%), results of emotional labor (9.0%), emotional labor and job exhaustion (7.9%), emotional intelligence (7.1%), preliminary care service workers' emotional labor (6.6%), emotional labor and organizational culture (5.9%). Through topic modeling and trend analysis, the research trend of emotional labor and the academic progress are analyzed to present the direction of emotional labor research, and it is expected that a practical strategy for emotional labor can be established.

• 한국노년학
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• v.30 no.4
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• pp.1163-1177
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• 2010

This study was conducted to establish the appropriate facilities criteria of the Korean welfare devices center. We e-mail surveyed 194 welfare devices centers and analysed 13 blueprints of them. We established the following proper principles of facilities. First, consist type and area of room should depend on the type of welfare devices centers. Second, The flow of human and welfare devices should be simple. Third, the area calculated on the base of intent of center owner and the size of beds, wheelchairs, etc. Fourth, exhibit room facing with roadside may obtain advertising effect. Fifth, the storage and disinfecting room should use different entrance, and avoid the intersection of flow to prevent cross-contamination. Sixth, the access road to the exhibition and consulting room should be able to approach by the wheelchair. seventh, office room should be invisible to keep customer's privacy. Direct Cleaning-disinfecting type center on the premise that the maximum 165m², middle 150m², intermediate 140m², display at least Consultation, Cleaning-disinfecting room, storage (clean, contaminated), the office, equipped with a parking space. Entrust Cleaning-disinfecting type center on the premise that a maximum 134m², middle 119m², intermediate 109m² exhibited minimal activity room, consultation room, office, equipped with a parking space, collecting welfare when importing equipment warehouse (clean, pollution) have been proposed to equip up to.

• Journal of Intelligence and Information Systems
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• v.25 no.3
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• pp.221-238
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• 2019

Recently, companies and public institutions have been actively introducing chatbot services in the field of customer counseling and response. The introduction of the chatbot service not only brings labor cost savings to companies and organizations, but also enables rapid communication with customers. Advances in data analytics and artificial intelligence are driving the growth of these chatbot services. The current chatbot can understand users' questions and offer the most appropriate answers to questions through machine learning and deep learning. The advancement of chatbot core technologies such as NLP, NLU, and NLG has made it possible to understand words, understand paragraphs, understand meanings, and understand emotions. For this reason, the value of chatbots continues to rise. However, technology-oriented chatbots can be inconsistent with what users want inherently, so chatbots need to be addressed in the area of the user experience, not just in the area of technology. The Fourth Industrial Revolution represents the importance of the User Experience as well as the advancement of artificial intelligence, big data, cloud, and IoT technologies. The development of IT technology and the importance of user experience have provided people with a variety of environments and changed lifestyles. This means that experiences in interactions with people, services(products) and the environment become very important. Therefore, it is time to develop a user needs-based services(products) that can provide new experiences and values to people. This study proposes a chatbot development process based on user needs by applying the design thinking approach, a representative methodology in the field of user experience, to chatbot development. The process proposed in this study consists of four steps. The first step is 'setting up knowledge domain' to set up the chatbot's expertise. Accumulating the information corresponding to the configured domain and deriving the insight is the second step, 'Knowledge accumulation and Insight identification'. The third step is 'Opportunity Development and Prototyping'. It is going to start full-scale development at this stage. Finally, the 'User Feedback' step is to receive feedback from users on the developed prototype. This creates a "user needs-based service (product)" that meets the process's objectives. Beginning with the fact gathering through user observation, Perform the process of abstraction to derive insights and explore opportunities. Next, it is expected to develop a chatbot that meets the user's needs through the process of materializing to structure the desired information and providing the function that fits the user's mental model. In this study, we present the actual construction examples for the domestic cosmetics market to confirm the effectiveness of the proposed process. The reason why it chose the domestic cosmetics market as its case is because it shows strong characteristics of users' experiences, so it can quickly understand responses from users. This study has a theoretical implication in that it proposed a new chatbot development process by incorporating the design thinking methodology into the chatbot development process. This research is different from the existing chatbot development research in that it focuses on user experience, not technology. It also has practical implications in that companies or institutions propose realistic methods that can be applied immediately. In particular, the process proposed in this study can be accessed and utilized by anyone, since 'user needs-based chatbots' can be developed even if they are not experts. This study suggests that further studies are needed because only one field of study was conducted. In addition to the cosmetics market, additional research should be conducted in various fields in which the user experience appears, such as the smart phone and the automotive market. Through this, it will be able to be reborn as a general process necessary for 'development of chatbots centered on user experience, not technology centered'.

• Journal of Nutrition and Health
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• v.47 no.5
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• pp.330-341
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• 2014

Purpose: The purpose of this study was to evaluate dietary habits, food intakes, nutrient intakes, and diet quality of non-alcoholic fatty liver disease in a health screening and promotion center. Methods: The total number of study subjects was 10,111 adults, where 3087 subjects (30.5%) were diagnosed as NAFLD. The dietary intakes were obtained using a food frequency questionnaire. They were then compared with the dietary reference intakes could be used in the future for development of diet and nutrition guidelines s (KDRIs). Results: Mean age of subjects in the normal group was $52.9{\pm}10.3yrs$ and body mass index (BMI) was $22.4{\pm}2.6kg/m^2$, and those of the NAFLD group were $55.1{\pm}9.2yrs$ and $25.4{\pm}2.9kg/m^2$. BMI, blood pressure of the NAFLD group were significantly higher than those of the normal group. The rates of skipping breakfast, overeating, and eating out were significantly could be used in the future for development of diet and nutrition guidelines er in the NAFLD group (p < 0.05, p < 0.000, p < 0.000 respectively). The speed of eating was fast in the NAFLD group (p < 0.000). The NAFLD group consumed significantly higher amounts of grains, meats, fish, seaweeds, kimchies, sugars, sweets, coffee, teas, and oils compared to the normal group (p < 0.05). Meanwhile, intakes of starch products, fruits, milk, and milk products were significantly lower in the NAFLD group compared with those of the normal group (p < 0.05). Riboflavin, calcium, and dietary fiber nutrient adequacy ratio (NAR) of the NAFLD group were significantly lower than those of the normal group. The Korean's dietary diversity score (KDDS) of the NAFLD group was lower than that of the normal group. Conclusion: In conclusion, we suggest that diet guidelines, such as increasing the intake of calcium and dietary fiber, reducing the intake of energy, fat, and simple carbohydrates, are necessary to improvement of NAFLD. The results could be used in the future for development of diet and nutrition guidelines for NAFLD.