• Journal of the Korean Data and Information Science Society
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• v.22 no.6
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• pp.1137-1143
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• 2011

The purpose of this paper is to analyse the preference for direct marketing according to the characteristics of policyholders and suggest implications for marketing strategies with regard to direct marketing. A marked characteristic of this paper is a good quality of data and the results gained from analysing the data can be trusted very much. Binary logistic regression is employed. A statistically significant preference is shown in the group such as male, a younger generation, a hazardous occupation, the metropolitan area, and the customer of foreign company. The results suggest that promotion for female is needed to revitalize direct marketing. A tight underwriting for a hazardous occupation is also required.

• The Journal of Korean Association of Computer Education
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• v.23 no.3
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• pp.71-79
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• 2020

This study investigates the rising issue of verbal violence at non-facing channels. Focus Group Interview(FGI) was conducted to examine verbal violence occurred during emotional labors in real-life cases. In addition, the distribution of verbal violence in the conversation was confirmed through a new big data technology called Speech Analysis(SA). The result findings highlighted the two perspectives as below. First, verbal violence occurred through calls, is classified into personal insult, swearing/verbal abuse, unreasonable demand, (sexual) harassment and intimidation/threat. Second, Speech Analysis result exhibited the most frequently appeared verbal violence were personal insult and swearing/verbal abuse. Informal language use and speaking in disrespectable manner was the highest rate in personal insult category. Moreover general cursing was the highest rate in swearing/verbal abuse category. In particular, the rate of using curse language was the highest in overall cases of verbal violence. This study summarizes the types of verbal violence that occur in non-facing channels and suggests a need for further investigation on how verbal stress affects working environment for emotional labor.

• The Journal of the Convergence on Culture Technology
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• v.4 no.3
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• pp.139-147
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• 2018

This study starts with the consciousness of what should be the public pension service that meets the 4th Industrial Revolution era. To do this, we review the current status of non-facing services of domestic and foreign public institutions, and draw out implications for revitalizing non-facing services of the National Pension over the medium to long term. First, we reviewed the status of non-face-to-face service and the authentication method of the National Pension Service. Next, we reviewed the status of non-facing services in public pension and private agencies in the United States, the United Kingdom, Canada, and Australia. Based on the results of the analysis, we needs to analyze the impact of the 4th Industrial Revolution on the National Pension Service and extract future strategies, to expand channels of non-facing by business, to introduce PinTech as a non-facing authentication method, and to propose a unified service channel through the construction of an internet integrated portal. In the 4th industrial revolution era, it is possible to secure the connectivity of government portal for civil affairs and intelligence and automation introducing artificial intelligence robots.

• Journal of the Korea Convergence Society
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• v.13 no.3
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• pp.217-225
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• 2022

We analyzed efficiency and productivity of the Indian non-life insurance market affected by the COVID-19 pandemic from 2020. Using data envelopment analysis(DEA), we examined non-life insurance companies selling health insurance products in India from FY2013 to FY2019. We found the followings. First, average efficiency of the entire non-life insurance industry worsened in the beginning yet improved later. Second, analyzing the efficiency measures by group, we found that private insurance companies had the highest efficiency, followed by state-run insurance companies and pure health insurance companies. Third, average annual productivity growth rate of companies operating distance selling channels including telemarketing is higher than that of traditional face-to-face channels. During and after the COVID-19 pandemic, therefore, Indian non-life insurance companies should focus their resources and efforts on the development of distance selling channels when establishing business strategies. Besides, it would be interesting to extend our analysis to the post-coronavirus period and we leave this for future research.

• Journal of the Korean Data and Information Science Society
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• v.25 no.6
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• pp.1207-1219
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• 2014

In this study, 1) we compare face channel and non-face channel of life insurance company and non-life insurance company with insurance employs' suitability opinion about channel type, channel property, channel evaluation items requiring when selling insurance products, 2) we construct two social networks for life insurance companies and non-life insurance companies and find/compare two networks' properties, and then want to suggest any direction about sale channel strategy. As the result of comparing social networks of life insurance company and non-life insurance company created by insurance selling channel fit evaluation, employs of life insurance companies have more common opinion than those of non-life insurance companies and so can have more same directional channel strategy. However, property insurance companies need to manage their own channel strategy based on their own circumstance.

• 한국벤처창업학회:학술대회논문집
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• 2019.11a
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• pp.153-155
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• 2019

최근 국내 외를 불문하고 IT기술의 비약적인 발전에 따라 금융분야에서도 금융과 기술이 결합된 새로운 형태의 금융서비스가 다양하게 개발되고 있다. 그러나, 개인금융시장의 비약적 발전에도 불구하고, 기업금융시장에서의 핀테크 활용은 아직까지 미미한 실정이다. 기업 신용평가는 재무제표 위주의 정태적(static) 과거 정보 위주로 이루어지고 있어 업력이 짧고 규모가 영세한 중소기업의 금융접근에 제약이 존재한다. 또한, 중소기업의 인력이 부족한 상황에서 모든 거래를 일일이 금융기관을 방문하여 처리해야 하는 불편함도 애로사항으로 파악되었다. 이러한 한계를 해소하기 위해 신용보증기금은 빅데이터 활용과 비대면 채널에 주목하였다. 본 보고서는 신용보증기금이 빅데이터와 비대면 채널을 활용하여 중소기업의 금융접근성을 향상시킨 사례에 대하여 소개하고자 한다. 첫 번째로, 신보는 기존에 활용되지 못한 동태적(dynamic) 빅데이터를 활용하여 기업의 현재 새로운 신용평가모형을 개발하였다. 두 번째로, 신보는 중소기업의 금융거래 편의성 향상을 위해 비대면 금융업무 플랫폼을 도입하였다. 신보는 이를, 데이터 수집이 체계적이고 정교해야 하며, 중소기업 관련 데이터가 공유되어야 한다는 정책적 시사점을 발견하였다. 이러한 정책적 시사점을 바탕으로 신보는 이제 기업 데이터 뱅크(Data Bank)로서의 역할을 도모하고 있으며, 더 나은 기업정보 생태계를 구현하고자 한다. 이를 통해 신보의 신기술을 활용한 중소기업 금융접근성 제고 사례가 핀테크를 활용한 공공기관의 금융정책 수립에 유용한 사례가 될 수 있을 것으로 기대한다.

• KIPS Transactions on Software and Data Engineering
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• v.3 no.4
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• pp.139-148
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• 2014

With the development of IT, the financial sector has grown dramatically in Non face-to-face channel. However, because the initial costs calculation model which reflects the characteristics of the financial system does not exist, deteriorating reliability of budget establishment and low-price booking competition appeared. This negative situation leads to degradation of Internet Banking systems and customers who use these financial products have many troubles. Therefore, this paper improves the Initial Costs Expectation Model based on FPA & Expert Judgement Model. And it verified the effectiveness of this model through the regression analysis. As a result, we developed the Initial Costs Expectation Model for Internet Banking systems based on FPA, which is increased in accuracy than existing Cost Expectation Models.

• KIPS Transactions on Computer and Communication Systems
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• v.6 no.10
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• pp.421-428
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• 2017

The need for various approaches to non-face-to-face identification technology for registering and authenticating users online is being required because of the growth of online financial services and the rapid development of financial technology. In general, non-face-to-face approaches can be exposed to a greater number of threats than face-to-face approaches. Therefore, identification policies and technologies to verify users by using various factors and channels are being studied in order to complement the risks and to be more reliable non-face-to-face identification methods. One of these new approaches is to collect and verify a large number of personal information of user. Therefore, we propose a big-data based non-face-to-face Identity Proofing method that verifies identity on online based on various and large amount of information of user. The proposed method also provides an identification information management scheme that collects and verifies only the user information required for the identity verification level required by the service. In addition, we propose an identity information sharing model that can provide the information to other service providers so that user can reuse verified identity information. Finally, we prove by implementing a system that verifies and manages only the identity assurance level required by the service through the enhanced user verification in the non-face-to-face identity proofing process.

• Journal of Digital Convergence
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• v.19 no.11
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• pp.425-438
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• 2021

The purpose of this study is to analyze local cultural festivals hosted contact-free in the corona era and to suggest the direction for sustainable festivals in the post-corona era. To this end, by analyzing the cases of well-known festivals held contact-free in 2020 and 2021, we tried to get implications for the festivals in the post-corona era from there. As a result of this study, contact-free festivals had the following characteristics. First, the on-tact method, which produces and transmits a video or allows interaction through real-time participation, was prominent. Second, in order to compensate for the shortcomings of the contact-free method, various efforts have been made to enable on-tact experience by making and delivering experience kits in the case of experiential elements of the festival in advance. Third, communication was secured through real-time comments, and fourth, products were sold through the Internet and live commerce channels, and a certain effect was obtained. In particular, in the case of online festivals, there is a problem of loss of the sense of place of the festival, but there are cases of online festivals with more participation than offline festivals. It is judged that the problem of how to achieve this will become a reference material for the future development of contact-free festival contents.

• Journal of Korea Entertainment Industry Association
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• v.14 no.7
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• pp.161-173
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• 2020

In-depth interview in the field of hospitality industry services was conducted in COVID- 19. Introduction of kiosks for non-face-to-face services using untact technology, reservation, pay systems, self-service, service improvement using room service should be carried out. It is also necessary to implement Instagram, Facebook, YouTube, P-blogs, online broadcasting and live commerce through the establishment of m-channel system through untact marketing sales channels in the hospitality industry now that the product composition to solve the pro -blem of untact marketing is drawing attention due to diversification of online sales channe -ls. Now, the recognition of important elements of service education and a establishment of differentiated system of untact marketing, expansion of untact sale channel, implementation of non-face-to-face counseling service and introduction of pre-booking, telecommuting were recognized as urgent parts. In particular, a service differentiation and importance of human services, which were recognized free of charge, have re-recognized as premium, and quality service aspect of the hospitality industry in untact and the direction to diversify marketing channels are presented.