• Journal of Convergence for Information Technology
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• v.10 no.3
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• pp.58-66
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• 2020

This paper aims to empirically analyze the factors of difference in trust level for Internet-only bank by age groups. The purpose of this study is to provide clues and a research data in developing differentiation strategies that can increase consumer's trust by age group. In this study, above all, the financial consumer group was divided into the 2030s and 4050s based on age. The study explored the trust determinants of the two groups and compared the differences between the two groups using a multi-group analysis method. As results, in all age groups, financial consumer's trust was seen as a determinant of convenience, security and benefit of financial transaction costs. The difference of the determinant of trust between 2030s and 4050s occurred in the factor of benefit. Moreover, it reconfirmed that consumer's trust is later strongly extended to relationship commitment. These findings suggest that trust is of paramount importance to the Internet-only bank, whose market competition will intensify in the future.

• The Journal of the Korea Contents Association
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• v.19 no.4
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• pp.63-78
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• 2019

The objective of this study is to verify the effects of private banking(PB) relation marketing on relationship quality between bank and customer and long-term business intention and to verify the mediating effect of the relationship quality. The subjects of this study were 431 PB customers in Seoul. The questionnaire data were utilized for verification of hypotheses through structural equation model analysis. As a result of verification, PB relation marketing presented a statistically significant positive correlation with relationship quality between bank and customer. The PB relation marketing showed a significant positive effect on the long-term business intention with the mediating effect of the relation quality. Finally, the result of this study is meaningful in a point of view of PB relation marketing of bank on the relationship quality and long-term business intention. It is worthwhile to verify the mediation effect of the relationship quality.

• The Journal of Society for e-Business Studies
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• v.23 no.3
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• pp.111-128
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• 2018

Today the paradigm of the financial services industry is shifting to mobile banking, and each financial company provides a variety of mobile banking services. Because of the innovation of mobile banking service, the Internet Only Bank has been launched recently. However, the actual number of users is far less than the number of subscribers. The purpose of this study is to investigate the factors affecting the intention to use of Internet only banking service by applying Task-Technology Fit (TTF) theory. In order to carry out this research, we conducted a survey on the user of the Internet only banking services, tested the measurement validity/reliability analysis and derived structural equation model. The results indicate that there are significant correlations between technology characteristics and task-technology fit and between task-technology fit and continuance intention. The results of this study are expected to provide implications for securing and maintaining the users of Internet banking providers.

• Proceedings of the Korea Institutes of Information Security and Cryptology Conference
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• 2002.11a
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• pp.257-260
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• 2002

확인 가능한 암호화는 암호문을 풀어보지 못해도 어떤 것이 암호화되어 있는지 확인 할 수 있는 암호화 기법이다. 이 기법은 공정한 교환에서 암호화된 물건을 우선 제시하여 상대방이 물건을 받을 수 있다는 확신을 가지게 하는데 사용된다. 지불의 원자성을 보장하기 위해 공정한 교환을 적용해 볼 수 있다. 이 논문에서는 확인 가능한 암호화 기법을 표현문제를 사용하는 화폐시스템에 적용하여, 지불의 원자성을 제공하는 방법을 제안한다. 확인 가능한 암호화를 사용하면 분쟁이 발생했을 때 신뢰기관이 은행으로부터 상점의 입금여부를 확인할 필요가 없어 분쟁해결이 간단하다. 반면에 지불과정에서 확인 가능한 암호화를 적용하기 위한 증명이 추가로 필요하다.

• Journal of the Korea Society for Simulation
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• v.21 no.4
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• pp.1-9
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• 2012

This paper suggests a two-phase look-ahead Banker's algorithm for efficient operation of capacitated automated production systems. The algorithm improves the ability of detecting safe states of the previous one by considering the possibility of processing each job to completion at once as well as partial movement between jobs. The improved performance of the proposed algorithm is testified by performing numerical experiment in terms of (i) detection rate of safe states and (ii) system throughput and verified by using paired t-test.

• Journal of the Korea Convergence Society
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• v.9 no.6
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• pp.89-98
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• 2018

To confirm the feasibility as raw materials for cosmetic formulation, ethanol, n-hexane, ethylacetate and normal butyl alcohol were extracted from 1kg of Ginko leaves. Ultimately, investigated chemical structure and physicochemical properties of ginkgetin and isoginkgetin. The purity of those two components have been evaluated higher than 99%. They are isomers with molecular weight as 566 and a molecular formular, $C_{32}H_{22}O_{10}$. Flavonoid's frame and NMR spectrum exhibited the existence of aromatic proton and the proper ratio of the carbon, which were expected structures exactly corresponded to the reported references.

• Korean Journal of Food Science and Technology
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• v.49 no.5
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• pp.532-537
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• 2017

The purpose of this study was to examine the best cooking condition to decrease 4'-O-methylpyridonxine (MPN, ginkgotoxin) and increase the antioxidative effect. We also examined the change in color of ginkgo biloba seeds after different cooking methods and times. MPN content was decreased with an increase in the cooking time. For the reduction of MPN content, the most efficient cooking method was pan-frying. In particular, MPN content was largely reduced after 8 min of pan-frying. 1,1-Diphenyl-2-picrylhydrazyl radical scavenging activity and total flavonoid content were increased after 11 min of pan-frying and this level was maintained until 14 min. The total phenolic compound content was maintained for up to 30 min by steaming and 11 min by pan-frying. Therefore, the optimum condition was established by pan-frying from 8 to 11 min.

• Journal of Digital Convergence
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• v.12 no.5
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• pp.131-138
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• 2014

Management consulting by a bank is expected to have a win-win relationship to the mutual development of the banks and client firms. Previous studies also claimed that consulting had a positive impact on the competitiveness and business performance of the firms. Nevertheless, few empirical studies were found to analyze the relationship and explain the result whether consulting had really enhanced the competitiveness and performance of the businesses after consulting. The present paper has empirically analyzed the impact of a management consulting by a bank on the business performance of the client firms and on the contribution to the bank. In terms of client firms, the financial results of the client companies such as stability, profitability and growth potential were compared before and after the consulting; in terms of the bank, the changes in the last three-month average outstanding of deposits and loans were measured and verified in order to measure the contribution of the client firms to bank. A significant effect was confirmed in this study of the consulting on the client firms' the debt ratio-an item of financial stability and sales growth-an item of the growth potential.

• KDI Journal of Economic Policy
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• v.26 no.2
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• pp.209-247
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• 2004

Although various publicly reserved funds have recently come to the fore of academic and policy-making attention in Korea, researchers rarely take up the issue of the reserve fund retained from annual profits by the central bank (i.e., the Bank of Korea). Starting with the general public choice premise that bureaucrats seek to maximize their discretionary budget, this paper first provides a theoretical reasoning why central bank's bureaucrats would prefer retaining annual profits to turning them to the Treasury. The major tenet to be emphasized is that retained profits as a reserve fund can give the central bankers discretionary power in their disposition. In particular, we focus on the close relationship between the reserve fund and the discount windows. The latter, as a monetary instrument, has traditionally been demonstrated to cause secrecy, arbitrariness, and other bureaucratic amenities in the previous literature. Subsequently, this paper, based on 61 countries data, empirically verifies that the central bank's reserve fund is at least partially used to additionally increase the discount windows. Since an excessive use of discount windows results in inflationary bias, we conclude the paper with some policy suggestions to have such bureaucratic power of discretion in check. This paper, if in its experimental nature yet, is expected to shed a critical implication for establishing the meaningful independence of the central bank to a host of countries.

• Journal of Convergence for Information Technology
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• v.8 no.3
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• pp.99-105
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• 2018

The purpose to this study is to analyze the difference of trust toward Internet-only bank into two groups according to the gender. We specially examined whether there is any gap in the determinant of trust. For this, we attempted to analyze the significance of the difference in the path coefficients between the gender through latent mean and path analysis. As a results, the difference of the determinant of trust between the male and the female group occurred in the factor of benefit and security. Moreover, it reconfirmed that trust are later strongly extended to relationship commitment. These findings suggest that it's very important to establish a trust with customers.