• The Journal of Asian Finance, Economics and Business
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• 제8권3호
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• pp.1171-1180
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• 2021

This study aims to investigate the impact of the multimarket contract on risk-adjusted profitability. Risk-adjusted profitability is measured in terms of risk-adjusted return on assets. This study employs dynamic panel data of 27 commercial banks in Vietnam using the GMM estimator to test the multimarket contact hypothesis in the Vietnamese banking sector. The results show that there is a negative impact of multimarket contact on the profitability of banks. Multimarket contact, deposit to asset ratio, non-interest income to total income, GDP growth rate, Worldwide Governance Indicator (WGI), and operating cost to assets are the major determinants of risk-adjusted profitability of commercial banks. Our main findings show that Vietnamese banks' focus to increase the multimarket contact may lead to lower profitability and there is evidence that supports theory predictions, since the average number of contacts among banks, bank size, and capitalization are positively related to risk-adjusted profitability. The study has policy implications for commercial banks in that they should not only focus on interest as a source of income and diversify their income source from non-interest income as well since it helps to improve risk-adjusted profitability for them.

• Journal of Distribution Science
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• 제20권8호
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• pp.69-79
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• 2022

Purpose: In the context of the emergence of industry 4.0, using mobile phones as a modern distribution channel to execute financial services is a significant solution for commercial banks' retail services and a gateway to promote financial inclusion and market development. Despite that service quality and customer satisfaction are two diverse notions and closely related to each other in the service sector, there is hardly a research which empirically examines the impacts of each dimensions of mobile banking service quality and customer satisfaction. Research design, data and methodology: This study first employs in-depth interview to explore various aspects of mobile banking service quality dimensions, including empathy, responsiveness, tangibility, assurance, and reliability that serves to develop measurement scales and hypothesis development. A quantitative survey is followed to collect data from 265 Vietnamese bank customers to empirically test the conceptual model. Resutls: Our findings indicate that more human-related factors including empathy, assurance, and responsiveness show the strongest impacts on customer satisfaction with mobile banking service while tangibility and reliability, as technical aspects, are less influential factors. Conclusions: Finally, some crucial implications are drawn for the banks to manage consumer behavior in mobile banking.

• The Plant Pathology Journal
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• 제26권2호
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• pp.130-138
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• 2010

Orchid fleck virus (OFV) is an unassigned plant virus in the family Rhabdoviridae. OFV was isolated from Cymbidium sp. showing oval necrotic lesions on their leaves in Korea, and designated as OFV-NHHS1. The complete nucleotide sequence of the RNA1 (6,413 nt) (GenBank accession no. AB516442) and RNA2 (6,001 nt) (GenBank accession no. AB516441) was determined in this study. RNA1 and RNA2 contained five and one ORF respectively. RNA1 encodes nucleocapsid (N) of 49 kDa, ORF2 of 26 kDa, ORF3 of 38 kDa, ORF4 of 20 kDa and glycoprotein (G) of 61 kDa proteins, whereas RNA2 encodes a single polymerase of 212 kDa. OFV-NHHS1 shared extremely high similarity of 98.6-100% and 98.9-99.6% in nucleotidle and amino acid sequences with a Japanese isolate, OFV-so, respectively. However, the N, G and L of OFV-NHHS1 revealed 6.9-19.3%, 7.3-12.0%, and 13.4-26.6% identities to those of 29 Rhabdoviruses, respectively. To survey the infection rate of OFV in commercial orchids in Korea, 51 Cymbidium sp., 10 Phalaenopsis sp., 22 Oncidium sp. and 21 Dendrobium sp. plants that showed typical viral symptoms were collected. RT-PCR with specific primers for detection of Cymbidium mosaic virus (CymMV), ORSV and OFV showed high infection rate by ORSV alone and double infection by ORSV and CymMV. One of the orchids tested was infected with OFV. This is the first report of the complete nucleotide sequences of OFV isolated in Korea.

• The Journal of Information Systems
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• 제20권1호
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• pp.107-126
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• 2011

Model-based decision support system (DSS) has acted as a crucial role in strengthening the business competitiveness by providing a way of modeling and solving real-world decision problems in a quantitative and scientific manner. It is even more important for trading OTC derivatives, which requires extensive financial-engineering expertise while actively reacting to the continuously changing financial market. This paper proposes a flexible model-based DSS architecture that can support user-friendly interface for executing and analyzing the models and can adapt to the changes of financial market seamlessly. For user-friendliness, we implement the user-interfaces (UIs) using Microsoft Excel, a very widely used spreadsheet program for its great generality and extensibility. Users can utilize the analysis results of DSS or reprocess them for their special needs through the UIs in the form of familiar spreadsheets easily. For adaptiveness to the markets, the proposed architecture is constructed based on the object-oriented concepts, which enables such changes as release of a new financial product can be updated into the system without any delay at the lowest cost. We investigate the practical benefits and limitations of the proposed architecture by a case study on the construction of Model-based Trading Support System (MTSS), performed by a commercial bank in Korea.

• The Korean Journal of Applied Statistics
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• 제24권2호
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• pp.217-225
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• 2011

In this paper, a seasonal variable selection method using the spectral analysis accompanied with seasonal linear model is suggested. The suggested method is applied to the prediction of intra-day call arrivals at a large North American commercial bank call center and a signi cant intra-month seasonal variable I detected. This newly detected seasonal factor is included in the seasonal linear model and is compared with the seasonal linear models without this variable to see whether the new variable helps to improve the forecasting performance. The seasonal linear model with the new variable outperformed the models without it in one-day-ahead forecasting.

• Korean Management Science Review
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• 제20권2호
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• pp.1-16
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• 2003

Previous research on data extraction and integration for data warehousing has concentrated mainly on the relational DBMS or partly on the object-oriented DBMS. Mostly, it describes issues related with the change data (deltas) capture and the incremental update by using the triggering technique of active database systems. But, little attention has been paid to data extraction approaches from other types of source systems like hierarchical DBMS, etc. and from source systems without triggering capability. This paper argues, from the practical point of view, that we need to consider not only the types of information sources and capabilities of ETT tools but also other factors of source systems such as operational characteristics (i.e., whether they support DBMS log, user log or no log, timestamp), and DBMS characteristics (i.e., whether they have the triggering capability or not, etc), in order to find out appropriate data extraction techniques that could be applied to different source systems. Having applied several different data extraction techniques (e.g., DBMS log, user log, triggering, timestamp-based extraction, file comparison) to S bank's source systems (e.g., IMS, DB2, ORACLE, and SAM file), we discovered that data extraction techniques available in a commercial ETT tool do not completely support data extraction from the DBMS log of IMS system. For such IMS systems, a new date extraction technique is proposed which first creates Index database and then updates the data warehouse using the Index database. We illustrates this technique using an example application.

• The Plant Pathology Journal
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• 제23권3호
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• pp.151-154
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• 2007

Phytoplasma was identified from leaf lettuce (Lactuca sativa) cultivated in commercial green-house in Korea. Diseased leaf lettuce revealed proliferation of shoots, and yellowing and shrinking of leaves (lettuce proliferation-K). Polymerase chain reaction (PCR) with universal primer pair P1/P6, and aster yellows (AY) specific primer pair R16F1/R1 amplified 1.5kb and 1.1kb length of DNA fragments, respectively. Nucleotide sequences of 16S rRNA gene were determined (Gen Bank accession no EF489024). Phylogenetic analysis of 16S rDNA showed the closest relationship with AY phytoplasma (GenBank accession no. AY389822 and AY389826), indicating that lettuce proliferation-K is a member of AY. Phytoplasma bodies were detected in phloem sieve tubes of diseased lettuce by transmission electron microscopy. The structures had round or pleomorphic shapes with a diameter of 130-300nm. Phylogenetic analysis of 16S rRNA gene, microscopic observation of phytoplasma bodies and symptomatology indicated that lettuce proliferation-K is caused by phytoplasma in the AY group. This is the first report of phytoplasma disease in lettuce in Korea.

• Journal of the Korean Institute of Illuminating and Electrical Installation Engineers
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• 제25권8호
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• pp.70-81
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• 2011

In this paper, a multi-agent control system for DC-coupled photovoltaic (PV), fuel cell (FC), ultracapacitor(UC) and battery hybrid power system is studied for commercial buildings & apartment buildings microgrid. In this proposed system, the PV system provides electric energy to the electrolyzer to produce hydrogen for future use and transfer to the load side, if possible. Whenever the PV system cannot completely meet load demands, the FC system provides power to meet the remaining load. A multi-agent system based-power management and control algorithm is proposed for the hybrid power system by taking into account the characteristics of each power source. The main works of this paper are hybridization of alternate energy sources with FC systems using long and short storage strategies to build the multi-agent control system with pragmatic design, and a dynamic model proposed for a PV/FC/UC/battery bank hybrid power generation system. A dynamic simulation model for the hybrid power system has been developed using Matlab/Simulink, SimPowerSystems and Stateflow. Simulation results are also presented to demonstrate the effectiveness of the proposed multi-agent control and management system for building microgrid.

• The Journal of Asian Finance, Economics and Business
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• 제8권3호
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• pp.479-485
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• 2021

Although corporate social responsibility (CSR) is an extensively studied topic, its determinants in the field of Islamic banking are scarce. In Bangladesh, CSR plays a vital role in gaining customer loyalty and confidence. Therefore, this research aims to identify and analyze the influence of the Shariah Supervisory Board (SSB) and the Shariah Audit Committee (SAC) on CSR adoption in Islamic banks in Bangladesh. The study population is managers and second managers of 160 Islamic bank branches of different commercial banks in Dhaka, Bangladesh. The sampling technique used is convenience sampling where the first available primary data source was used for the research without additional requirements. The study developed a survey questionnaire from examining previous related studies in Islamic banking and CSR context. The final sample size in this research was n = 309, indicating the survey response rate was about 97%. The study used SPSS 23.0 software to interpret the statistical findings, and the findings revealed that support from the SSB and the presence of a strong and effective SAC has a strong correlation with CSR adoption and significantly influence CSR adoption in Islamic banks in Bangladesh. Finally, the study proposes several significant and crucial policy guidelines for Islamic bank branches to adopt CSR activities.

• The Journal of Asian Finance, Economics and Business
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• 제8권1호
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• pp.741-750
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• 2021

The research aims to analyze the level of efficiency by grouping banks during the period 2017 - 2018 into category 1 and category 2 banks and then dividing them as Regional Development Banks (BPD) and Non-BPD Conventional Commercial Banks (BUK) within each category. The research objects are banks within the categories BPD and BUK comprised 18 BPDs and 35 BUKs. The research methodology uses 3 stages, first, using Data Envelopment Analysis (DEA) we measure the level of bank efficiency; second, using the Tobit regression model we evaluate the effect of financial performance on DEA efficiency, and third, using the Mann-Whitney test we determine whether there is a difference in the efficiency of category 1 and 2 banks. The results showed that there was a decrease in the efficiency of category 1 and 2 banks but on average, the efficiency of category 1 banks is higher than category 2 banks. The estimation results of the Tobit regression model show that only the ROA variable affects the efficiency level of category 1 banks, while category 2 banks are influenced by NPL and ROA variables. In the Mann-Whitney test, it was proven that there were differences in efficiency between BUK and BPD in category 1 and 2 banks.