• Journal of the Korean Operations Research and Management Science Society
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• v.37 no.3
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• pp.1-12
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• 2012

The research mainstream has focused on improving the competitiveness throughout the reinforcement of customer satisfaction and loyalty in the banking industry, but there is still a lack of research that reflects characteristics of banking services. From a customer point of view, this study considers a variety of bank characteristics such as levels of interest rate, numbers of transaction banks, monthly average balance, and age. In line with this observation, the main objective of the current research is to investigate the relationship between bank characteristics and ongoing transaction intentions with a particular bank using a categorial regression analysis and in turn, provide insights for managers. First, the findings show that deposit interest rate is insignificant for leading customers to ongoing transaction intentions, but loan interest rate is significant when customers are satisfied with a loan interest rate. Second, if customers only transact their banking services with a particular bank, they are more likely to deal with the bank, rather than customers who transact additional one or two banks. Third, in the case of monthly average balance, customers who have more than \100 million wons per month are likely to switch other competitors. Finally, old customers are more stable than young customers when they consider to switch the relationship with a bank. The author provides insights for bank managers and discusses research limitations and further directions of the study.

• Journal of the Korean Data and Information Science Society
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• v.24 no.3
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• pp.593-601
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• 2013

We often need to include categorial variables as explanatory variables in regression models. The categorial variables in regression models can be quantified through dummy variables. In this study, we provide an education tool using Excel VBA for displaying regression lines along with test results for regression models with a continuous explanatory variable and one or two categorical explanatory variables. The regression lines with test results are provided step by step for the model(s) with interaction(s), the model(s) without interaction(s) but with dummy variables, and the model without dummy variable(s). With this tool, we can easily understand the meaning of dummy variables and interaction effect through graphics and further decide which model is more suited to the data on hand.

• Journal of Korean Society of Industrial and Systems Engineering
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• v.32 no.3
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• pp.135-141
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• 2009

A variety of statistical methods are applied to model and optimize responses, related to product or system's quality, in terms of control and noise factors at design and manufacturing stages. Most of them assume continuous response variables but, assessing the performance of a product or system often involves categorical observations, such as ratings and scores. Although most previous works to deal with the categorical data provide sorhisticated response models and ensure unbiased outcomes, they require heavy computation to estimate the model parameters, as well as enough replications. In this study, we present some practical approaches for optimal parameter design with ordered categorical response when only a few or no replication is available. Two real-life examples are given to illustrate the presented methods.

• Lingua Humanitatis
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• v.2 no.1
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• pp.287-301
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• 2002

Either in music or in language, sound plays its role by taking up the fixed multi-spaces in one's consciousness. Music space differs from auditory space whose aim Is to perceive the positions and identities of the outer things. While auditory space is based on the interests of the outer things, music space is based on the indifference. We discuss the notion of space because it is where symbols reside. Categorial perception about the phonemic restoration describes the ability of a listener how to use his own intelligence to acknowledge and fill the missing points; however, musical perception can be explained as a positive regression to avoid colloquial logic and danger of segmentation in the course of auditory experience and phonation acquisition by an infant. About the question on the difference of the listening to the language sound and other sound, auditory mechanism proceeds language sound the same as other types of sound. But there are another theories which claim that brain proceeds the farmer differently from the latter. The function of music has not been discovered as clear as that of language; music has much more meanings in comparison with language.