• Journal of the Korea Academia-Industrial cooperation Society
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• v.17 no.1
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• pp.225-233
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• 2016

This study examined how the level of competition in the banking industry affects the risk-seeking tendency of individual banks. In earlier studies, the NPL ratio was used as an indicator of the risk-seeking tendency, but this ratio has limits because it is an ex post indicator of the risk. Therefore, the asset risk was chosen as a new indicator of the risk-seeking tendency, which is an ex ante measure of the risk, and the data were analyzed. The results suggested that there is a negative correlation between the level of competition of the banking industry and the risk-seeking tendency. Interestingly, opposite results were obtained when the NPL ratio was applied as an indicator of risk-seeking tendency. Therefore, the correlation between the level of competition in the banking industry and the risk-seeking tendency depends on the indicator of the risk-seeking tendency. This means choosing the appropriate indicator is the key component leading to precise results. The asset risk is more consistent with the concept of risk-seeking tendency than the NPL ratio, and it is a more appropriate indicator considering that the asset risk is a relatively less affected indicator other than risk-seeking tendencies.

• Journal of KIISE:Computing Practices and Letters
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• v.9 no.4
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• pp.381-392
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• 2003

Component-based Development(CBD) based on the software reuse has been more attractive from software companies that want to enhance software productivity. However, since component identification process is mainly dependent on domain expert´s intuition and experience, it was very difficult to develop tools for supporting the component identification process. In this paper, we propose a systematic procedure of identifying reusable component by using object dependencies and object usages and provide a design and implementation of its supporting tool. In object-oriented domain models. there exists several diagrams which are described in different viewpoints. From these diagrams, object dependency and object usages are extracted and merged into an object dependency network, which is a basis for performing a comfonent identification algorithm. Finally, through a case study of internet banking system, we evaluate the applicability of the proposed identification process and tool.

• Journal of the Korean Home Economics Association
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• v.47 no.1
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• pp.13-24
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• 2009

The purpose of this study was to examine the effects of banking service quality on consumer satisfaction and positive word-of-mouth. A total of 330 bank consumers were investigated between Sept. 11 and Oct. 11, 2006. After sorting through the data, the responses of 299 consumer ( > 24 yrs old) were used for analysis. SERVPERF, the performance component of the Service Quality scale (SERVQUAL), was used to measure the four dimensions of reliability, responsiveness/empathy, assurance, and tangibles. Responses were partitioned by age and gender. The major findings were as follows; The effect of service quality by SERVPERF on consumer satisfaction and positive word-of-mouth did not differ according to gender. However, positive recommendation in males was directy related to the technical quality evaluate. In females, higher the functional quality evaluate was directly related to higher positive word-of-mouth recommendation. The effect of service quality by SERVPERF on consumer satisfaction was not revealed differently according to age. However, with respect to respondents under the age of 45, tangibles and assurance had a positive relationship with word-of-mouth recommendation. Furthermore, the higher the functional quality evaluate, the higher the level of positive word-of-mouth. Responsiveness/empathy was the most significant factor on positive word-of-mouth recommendation in respondents over the age of 45. In this age group, the higher the technical quality evaluate, the higher the level of positive word-of-mouth recommendation. These results have implications for banking service managers, particularly in improving service quality to increase consumer satisfaction and positive word-of-mouth. Future research is needed to replicate this study using more broad and representative samples in order to test the generalization of these findings.

• Journal of the Korea Society of Computer and Information
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• v.13 no.5
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• pp.171-177
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• 2008

CBD(Component-based Development), which refers to the method of treating software as parts of a larger whole and developing new information systems through the assembly and synthesis of existing software, has been popular among many methods for developing software. However, CBD has limitations in the mobile environment which requires frequent requirements change and flexible process. To overcome those limitations, we propose an improved mobile development process based on the UML(Unified Modeling Language) components. Our Proposal is the simple development process implemented as three phase of component diagrams for the mobile system having quickly evolving technology and small-size project. Through the implementation of a mobile banking service with the proposed development process, we show that our proposal works efficiently for the requirements change and flexible development.

• International Journal of Computer Science & Network Security
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• v.23 no.10
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• pp.81-88
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• 2023

In the present scenario, enormous amounts of data are produced every second. These data also contain private information from sources including media platforms, the banking sector, finance, healthcare, and criminal histories. Data mining is a method for looking through and analyzing massive volumes of data to find usable information. Preserving personal data during data mining has become difficult, thus privacy-preserving data mining (PPDM) is used to do so. Data perturbation is one of the several tactics used by the PPDM data privacy protection mechanism. In Perturbation, datasets are perturbed in order to preserve personal information. Both data accuracy and data privacy are addressed by it. This paper will explore and compare several perturbation strategies that may be used to protect data privacy. For this experiment, two perturbation techniques based on random projection and principal component analysis were used. These techniques include Improved Random Projection Perturbation (IRPP) and Enhanced Principal Component Analysis based Technique (EPCAT). The Naive Bayes classification algorithm is used for data mining approaches. These methods are employed to assess the precision, run time, and accuracy of the experimental results. The best perturbation method in the Nave-Bayes classification is determined to be a random projection-based technique (IRPP) for both the cardiovascular and hypothyroid datasets.

• Proceedings of the Korean Information Science Society Conference
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• 2000.10a
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• pp.451-453
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• 2000

소프트웨어의 경제성, 시장 경쟁력 확보를 위한 소프트웨어의 재사용은 소프트웨어 공학의 주요 이슈가 되고 있다. 그 중 컴포넌트와 컴포넌트 기반의 소프트웨어 개발은 재사용성을 확보할 수 있는 가장 주목받는 방안으로 제시되고 있으며 많은 기법이나 지침들이 제안되고 있다. 기존의 캡슐화와 정보은폐를 핵심 개념으로 하는 OOD(Object Oriented Development)에 의한 소프트웨어 개발방법은 이미 재사용성, 유지보수성, 무결성, 안정성 등의 많은 장점으로 인해 학계와 산업계에서 이미 많이 보편화되어 있고 널리 이용되어 지고 있다. 하지만 CBD(Component Based Development)와 EJB(Enterprise Java Beans)에 기반하여 컴포넌트 어플리케이션을 개발하는데 있어서는 그 적용사례가 드물고 활요성 또한 검증된 바가 거의 없다. 따라서 본 논문에서는 대형 분산 시스템이라 할 수 있는 뱅킹 시스템에 CBD, EJB, UML(Unified Modeling Language)을 적용해 봄으로써 소프트웨어 개발시의 그 실무적인 유용성을 검증해 본다.

• Proceedings of the Korea Information Processing Society Conference
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• 2001.10a
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• pp.497-500
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• 2001

EJB(Enterprise JavaBeans)는 컴포넌트 트랜잭션 모니터를 위한 표준 서버측 컴포넌트 모델로서 트랜잭션을 보장하고 확장성, 이식성, 안정성 등이 우수하며 분산 트랜잭션을 지원하므로 뱅킹시스템과 같은 복잡한 시스템을 구현하는데 적합한 모델이다. 새로운 어플리케이션을 개발할 경우에도 기존의 컴포넌트를 재사용함으로써 보다 쉽게 개발할 수 있으며 이런 장점은 사회의 변화와 시장환경에 민감하게 대처할 수 있는 신속한 상품개발과 배포 기능, 용이한 유지보수성을 요구하는 뱅킹시스템의 요건을 충족시킨다고 볼 수 있다. 본 논문에서는 EJB 뱅킹컴포넌트의 유용성을 예상해보고 트랜잭션처리에 있어서 시스템공통 처리부분과 업무단위별 처리부분으로 구분하므로써 구현의 복잡도와 구현상의 오류를 줄일 수 있는 보다 효과적인 아키텍쳐를 제안하며 그 처리흐름과 각 부분별 기능들을 정의해 본다.

• The KIPS Transactions:PartD
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• v.13D no.7 s.110
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• pp.947-958
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• 2006

In order to increase extensibility and reusability of business components, the variable things need to be analyzed from the analysis phase and identified as components. In this paper, we propose a rule-based analysis pattern, which can effectively extract object-based main concepts from a variable business process in the analysis phase and identify a variable business component by applying the pattern to the UML Components development process. It can make analysis artifacts consistent and readable for analysts with different level of knowledge and experience to apply the pattern to analysis of rule-based variable business processes. And also, variable business components can be easily identified by applying the pattern to the UML Components development process. In order to prove the feasibility of the pattern, we have applied the pattern the deposit and import/export subsystem of the banking domain. According to our experience, we can make the same business conceptual models between the deposit and import/export subsystem due to the main concepts suggested by the pattern and effectively identify a variable business components in the UML Components development process.

• The Journal of Asian Finance, Economics and Business
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• v.7 no.3
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• pp.167-175
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• 2020

The study aims to examine the relationships between service quality, experience value, relationship quality and behavior intentions. Validated measurements were identified from a literature review. The total of 309 valid respondents were used in this research. The measurement model and the conceptual model depicting hypothesized relationships were evaluated based on the 309 responses using confirmatory factor analysis and a structural equation modeling, accordingly. In addition, this study systematized the concepts, defined and tested the component scales of the relationship model between service quality, experience value, relationship quality and behavior intentions from the collected data, which helps to adequately identify the relationship between the factors in the model as well as the impact. The findings confirm that service quality influences experience values, relationship quality and purchase intention. Service quality, experience value, relationship quality and behavior intentions altogether are not well understood in current literature despite the important implication for managers, academicians and consumers alike. Contributes to a better fit between relationship marketing models and managerial practice in business markets. This study provides managerial implications regarding service quality and experience value so that firms and marketers can consult and apply. Managers should not only focus on the improvement of service quality but overall strategic planning.

• The Journal of Asian Finance, Economics and Business
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• v.7 no.11
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• pp.1113-1122
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• 2020

The purpose of this study is to examine how the Indian banks have adjusted their risk-based capital ratios during 2009-2018 to meet the regulatory requirements. Banks can, in principle, increase their risk-based regulatory capital ratio, either by increasing their levels of regulatory capital or by shrinking their risk-weighted assets by adjusting asset growth or risk in the portfolio. We investigate banks' capital behavior by decomposing the change in the capital ratio into the contribution of its components and analyzing their variance across regulatory regimes and banks' ownerships. We further investigate how each component of the capital ratio is adjusted by the banks by breaking down them into balance sheet items. We find that the banks' capital behavior significantly differed between public and private sector banks and between the two regulatory regimes. During Basel II, banks, in general, followed a strategy of aggressive asset growth with increased risk-taking. The decline in the CRAR because of such an expansionary strategy was adjusted by augmenting additional capital. However, during Basel III, due to higher capital requirements, both in terms of quantity and quality, banks followed a strategy of cutting back their asset growth and reducing the risk in their portfolio to maintain their CRAR.