• Annual Conference of KIPS
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• 2004.05a
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• pp.265-268
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• 2004

최근 사회의 다양성과 기업환경의 변화, 정보기술(IT)의 발달로 조직운영의 생산성 및 효율성 제고와 대고객 서비스 수준향상을 위해 업무처리를 자동화 시키고자 하는데 많은 관심을 가지게 되었다. 현재는 누가 무슨일을 하고 있는지 파악이 어렵고, 조직에 의해 정의된 룰과 시스템에 따르기 보다는 개인의 주관과 판단에 따른 업무 수행이 되고, 무엇보다 변화하는 시장환경에 유연하게 대응하는데 어려움이 많다. BPM(Business Process Management)은 조직내의 사람과 시스템, 어플리케이션을 통합하는 개념으로서 워크플로우와 응용프로그램통합기술(EAI)이 결합된 시스템으로 업무의 자동화는 물론 모니터링, 평가등을 통하여 획기적으로 ROI를 개선해 주며 적용을 위해서는 프로세스와 시스템을 아우러는 컨설팅과 구현이 따른다. 그러나 BPM의 개념적 만족은 하지만 초기단계로서 적용사례가 부족하여, 적용하기 위한 의사결정은 쉽지 않다. 본 논문은 BPM의 개념파악과 BPR, 워크플로우와 BPM의 차이점을 비교분석 하고, 대규모 대량의 트랜잭션과 수천명의 사용자 및 다수의 비즈니스 어플리케이션이 관여하는 금융여신 프로세스에 BPM을 적용하는 사례를 제시하고자 한다.

• Review of KIISC
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• v.31 no.1
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• pp.41-49
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• 2021

NIST(National Institute of Standards and Technology) 양자 내성 암호 표준화 사업이 3차 라운드에 접어들면서, 3라운드 후보자에 대한 실제 구현 결과 및 관심이 꾸준히 증가하고 있다. 3라운드 후보자 중 대부분(5/7)은 격자 기반 암호이며, 격자 기반 암호는 다른 기반의 양자 내성 암호보다 효율적인 연산 처리로 인해 제약적인 리소스를 가진 임베디드 환경에서도 적용이 가능한 장점이 존재한다. 그러나 특히 임베디드 환경에서는 암호 알고리즘이 동작 시 발생하는 추가적인 정보(전력, 전자파, 시간차, 오류주입 등)를 이용한 부채널 공격에 취약하다. 실제 다수의 연구가 양자 내성 암호의 부채널 공격에 대한 가능성을 제시하고 있다. 여전히 부채널 공격은 양자 내성 암호를 표준화하기 위해 상당한 장애물이며, 이에 대응하기 위해서는 구현 시 부채널 대응 기법이 적용되어야 한다. 따라서 본 논문에서는 NIST PQC 3라운드 격자 기반 암호의 부채널 대응 방안에 대한 최신 동향을 분석한다, 또한 향후, NIST PQC 3라운드 격자 기반 암호의 연구 전망을 논의한다.

• Review of KIISC
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• v.30 no.6
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• pp.47-53
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• 2020

4G/LTE로 일컫는 4세대 이동통신 이후 등장한 5세대 이동통신 기술은 초고속, 초연결, 초저지연 등을 기술적 요구사항으로 정의하다. 특히, 초연결을 위한 요구사항으로 1㎢단위 면적당 1백만개의 사용자 단말장치 또는 기기 등을 이동통신망에 연결토록 하는 것이고. 사용자 및 개체와 이동통신망 사이에서 식별을 포함하여 상호 인증 및 키 일치와 같은 암호기술을 요구하고 있다. 이때 사용자 및 개체 인증을 위한 많은 양의 난수가 소요되며, 이를 구현하기 위한 홈 네트워크 뿐만 아니라 단말 등에 적합한 난수기반의 암호장비 수요가 가시화 되고 있다. 본 논문에서는 5G 이동통신 환경에서 암호기술을 소개하고, 5G 이후 초연결을 위한 암호기술의 연구결과를 제시한다.

• Proceedings of the CALSEC Conference
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• 2001.08a
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• pp.543-557
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• 2001

- 시장의 경쟁환경 변화와 고객니즈의 다양화 --> 현업사용자의 다양한 정보 가공 및 분석 요구 - 분석적이고 과학적인 고객 맞춤형 마케팅 필요(중략)

• Journal of the Korea Academia-Industrial cooperation Society
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• v.17 no.2
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• pp.678-689
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• 2016

This study examined the effect of the internal marketing policies of financial institutions on the job satisfaction and customer orientation of employees. Many studies have examined internal marketing policies. On the other hand, these studies focused the employees in the service industries (e.g. travel agencies, airlines and hotel, etc.) With the drastic change in financial institutions in recent years, financial institutions are conscious of the importance of customer service and have increased their efforts to manage and train their employees (e.g. expansion of empowerment, education and training, management support, and compensation system). The authors conducted an empirical analysis based on the assumption that these internal policies are effective in increasing the job satisfaction of employees and further influence the customer orientation. The results showed that 'empowerment, management support and compensation system' of internal marketing policies have meaningful effects on job satisfaction, whereas the education and training does not. In addition, job satisfaction has a meaningful effect on the customer orientation and on a mediating effect between internal marketing policies and customer orientation. These results indicate that the internal marketing policies of financial institutions can help improve job satisfaction and customer orientation.

• Asia Marketing Journal
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• v.13 no.4
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• pp.191-212
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• 2012

With the introduction of the Capital Market Integration Act in 2009, the new competitive scope and paradigm is opened in Korean financial services market. The change of financial industry and institutions will lead to the behavioral change of customers who consume and choose financial services. While researches from the financial perspective have been conducted, works from the marketing or customer oriented approach has long been relatively ignored. The purpose of this study is to investigate influencing factors and process of financial services customers' choice behavior. More specifically, the main theme is how to enhance customer brand loyalty and purchase intention through the perception of overall quality of the service product. An integrated conceptual model including antecedents, mediating variables and consequences is established through comprehensive literature reviews of extant works on environmental change, customer behavioral change and choice behaviors. Hypothesis testing is done with SEM analysis. According to the results, the attractiveness of financial product, the reputation of financial firm, and self-brand image congruence among exogenous variables make a positive effect on perceived overall quality. And perceived overall quality has a significant effect on brand loyalty.

• Information Systems Review
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• v.25 no.4
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• pp.161-181
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• 2023

As the post-COVID-19 consumer life environment is rapidly becoming non-face-to-face, changing non-face-to-face financial life services are having a significant impact on consumers' daily lives. People who do not have access to digital devices and services that have become essential goods are at risk of being left behind in the "digital blind spot," where they are marginalized not only in their daily lives but also in society and the economy as a whole (Kim Min-Jeung A, Kim Min-Jung B, Park Joo-Yung, 2022). In this study, we examined the effects of perceived control factors, Cognitive control, behavioral control, and decisional control, on intention to use digital finance. For this study, we surveyed 133 customers who are aware of and intend to use digital finance. The results show that cognitive control, behavioral control, and decisional control have significant effects on intention to use digital finance. In this relationship, the moderating effect of privacy concerns differs from the effect of decision control on intention to use digital finance. These findings suggest that digital financial services firms should consider whether to reduce or increase customer control. Based on these findings, we discuss marketing strategies and implications for digital financial services companies.

• Journal of Digital Convergence
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• v.12 no.4
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• pp.193-200
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• 2014

The purpose of this research is to explore ways to raise the quality of the financial services of Suhyup Bank, to secure its customers' loyalty, and to help it achieve sustainable growth. The results of this research showed that the ways to improve the service quality of Suhyup Bank are as follows: establish a relationship between its customers' satisfaction with the usefulness, creativity, reliability, and safety of its services and its customer management based on its customers' decision-making factors; establish service improvement schemes that consider new customer needs and desires; and improve its service quality and raise its internal quality factors, which are the keys to its expansion to customized services.

• Korean Journal of Construction Engineering and Management
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• v.5 no.6 s.22
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• pp.218-225
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• 2004

The supply for the apartment complex in Korea has been accomplished by the sale before building system as a way of institutional means to support massive housing supply in the past. Although this sale before building system has helped the provision of the housing, the necessity of that has been weakened in the current housing market. As this market is changed to emphasize on consumer, the necessity of conversion to sale after building system was raised and finally enforced partially. However, the sale after building system has difficulty in ensuring construction fund and the safety of housing business. So, the diversification in the style of business structure we and the strategy for the activation of construction fund will solve these problems. Consequently, this essay examine the change and influence in the construction fund after adopting sale after building system and suggest the appropriate strategy in project financing for providing fund and reducing the risk in construction business.

• Asia-Pacific Journal of Business Venturing and Entrepreneurship
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• v.6 no.2
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• pp.25-50
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• 2011

The purpose of this study is to investigate the difference of performance between banks with electronic-based banking service and banks without electronic-based banking service in Korea. The performance indicators we use are DEA efficiency and profitability such as NI, ROA and ROE. The findings are that the performance of bank with electronic banking service are significantly different from that of bank without electronic banking service in DEA efficiency, financial efficiency(cost and revenue) and profitability. But there are some differences among the type of electronic-based service channel that banks provide. The banking channels comprise two major groups: the traditional channels and e-channels. E-channels provide cost-saving for banks and their clients. Among them, only card-related ATM significantly affects the profitability of banks in the positive direction, and technical efficiency also affects the bank's profitability. But the others do not affect.