• 제목/요약/키워드: Customer Characteristic

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고객의 투자상품 선호도를 활용한 금융상품 추천시스템 개발 (Financial Products Recommendation System Using Customer Behavior Information)

  • 김효중;김성범;김희웅
    • 경영정보학연구
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    • 제25권1호
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    • pp.111-128
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    • 2023
  • 인공지능(AI) 기술이 발전함에 따라 빅데이터 기반의 상품 선호도 추정 개인화 추천시스템에 관심이 증가하고 있는 추세이다. 하지만 개인화 추천이 적합하지 않은 경우 고객의 구매 의사를 감소시키고 심지어 금융상품의 특성상 막대한 재무적 손실로 확대될 수 있는 위험을 가지고 있다. 따라서 고객의 특성과 상품 선호도를 포괄적으로 반영한 추천시스템을 개발하는 것이 비즈니스 성과 창출과 컴플라이언스 이슈 대응에 매우 중요하다. 특히 금융상품의 경우 개인의 투자성향과 리스크 회피도에 따라 고객의 상품 선호도가 구분되므로 축적된 고객 행동 데이터를 활용하여 맞춤형 추천서비스를 제안하는 것이 필요하다. 이러한 고객의 행동 특성과 거래 내역 데이터를 사용하는 것뿐만 아니라, 고객의 인구통계정보, 자산정보, 종목 보유 정보를 포함하여 추천 시스템의 콜드 스타트 문제를 해결하고자 한다. 따라서, 본 연구는 고객의 거래 로그 기록을 바탕으로 고객의 투자성향과 같은 특성 정보와 거래 내역 및 금융상품 정보를 통해 고객별 금융상품 잠재 선호도를 도출하여 딥러닝 기반의 협업 필터링을 제안한 모형이 가장 성능 우수한 것을 확인하였다. 본 연구는 고객의 금융 투자 메커니즘을 기반으로 금융상품 거래 데이터를 통해 미거래 금융상품에 대한 예상 선호를 도출하는 추천 모델을 구축하여, 선호가 높을 것으로 예상되는 상위 상품군을 추천하는 서비스를 개발하는 것에 의의가 있다.

Study on The Customer Service of Hospitals and Clinics According to Franchised Form or Not

  • Lee, Kyung-Soo;Nam, Seok-Woo;Choi, Young-Soo
    • 한국임상보건과학회지
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    • 제2권2호
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    • pp.148-157
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    • 2014
  • Purpose. This study compares and analyzes customer service on customer satisfaction and customer royalty on customer satisfaction targeting the customers visiting a hospital or a clinic which is franchised or not. And it aims at helping business rationalization for a medical institution. Methods. This paper conducts a survey and selects a sample of 670 customers except the missing value targeting the customers of 4 primary health care institutions and 4 bigger health care institutions in Seoul and Gyeonggi province. It conducts frequency analysis for the purpose of investigating the respondents' generic characteristic and factor of their medical institution selection, and factor analysis, reliability analysis and regression analysis for the hypothesis testing. Results. The first hypothesis testing result is significant in level of significance of 0.01. The second one is the same as the first one, but the dummy variable shows a negative regression coefficient(-0.479). The third one is significant in level of significance of 0.01, but the forth one is not significant. And the respondents prioritize website(Home page) and convenience in use of a hospital procedure for selecting a hospital or a clinic. Conclusions. The additional analysis finds that the franchised group has more satisfaction than none franchised group. But in case of their royalty, the average of franchised and none franchised groups are not significantly different. Therefore, the results of this paper reveal to support the results of the advanced researches.

Airbnb 고객들의 재구매 의도에 관한 실증 연구: 감정과 Airbnb 특성 요인의 역할 (The Empirical Study on the Effects of Repurchase Intention on Airbnb: The Role of Emotions and Key Components of Airbnb)

  • 김병수;김대길
    • 지식경영연구
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    • 제21권4호
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    • pp.89-108
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    • 2020
  • 본 연구에서는 Airbnb 고객들의 재구매 의도에 영향을 미치는 선행 요인들을 살펴보고자 하였다. 고객들이 경험 뒤 형성된 긍정적 감정과 부정적 감정이 재구매를 결정하는 핵심요인으로 고려하였다. Airbnb 특성 요인으로는 진정한 경험, 숙소 시설, 가격 공정성을 선정하였다. 그리고 재구매 의사 결정에서 주관적 규범과 트렌드 추구 경향의 역할에 대해서도 살펴보았다. 제안한 연구 모형은 306명의 Airbnb 사용 경험이 있는 고객들을 대상으로 연구 모형을 분석하였으며, 구조 방정식 모형을 활용하였다. 연구 분석 결과 Airbnb에 대한 긍정적 감정과 부정적 감정 모두 재구매 의도에 유의한 영향을 미침을 알 수 있었다. 또한 Airbnb의 특성 요인들이 재구매 의사 결정에 미치는 영향을 확인할 수 있었다. 마지막으로 주관적 규범과 트렌드 추구 경향은 재구매 의도에 유의한 영향을 미치지 않았다. 본 연구 결과를 통해 Airbnb의 지속적 성장을 위한 고객 경험 관리와 마케팅 전략을 수립하는데 도움을 줄 수 있을 것으로 기대된다.

선형부하가 고려된 고조파 전류 특성 및 방출값 평가 (A Study on the Harmonic Current Characteristic and Emission Value Assess Method Considering the Linear Load)

  • 박용업;최성훈;장준수
    • 전기학회논문지
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    • 제59권1호
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    • pp.33-39
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    • 2010
  • In order to operate the power system satisfactory for both system operators and customers, it is important to limit the harmonic currents to the allowable levels which injected into the system from the distorting installations. In this regard, the principles for the allocation of emission limits on individual customer were introduced in the technical report of IEC61000-3-6. According to these general principles, the emission limits are dependent on the agreed power of the customer, the power of the harmonic-generating equipment, and the system characteristics. The considerations in this report are very comprehensive and the process introduced is practical enough to implement as it is. However, there is a fact not appropriately dealing in the report that could be a very tickle but has a huge impact on determining the emission limit. This is the effect of non-harmonic load currents. More precisely, these are from the equipments which do not emit any harmonic or may emit harmonics but this specific order under the consideration by themselves if the source power is sinusoidal. The load currents originated from these equipments have an effect of active filter against the specific order of harmonic therefore, these should be dealt as a significant factoron the process of determining the emission limits for individual customer.

온라인 소비자의 의류 제품 및 가격 속성에 대한 쇼핑성향 차이와 만족도에 관한 연구 (A Study on On-line Consumer's Shopping Propensity and Satisfaction based on Apparel Product Attributes and Price Attributes)

  • 나윤규;서현석
    • 한국의류산업학회지
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    • 제10권2호
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    • pp.164-172
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    • 2008
  • This study explores the attributes of the on-line shopping products and prices, and their effects on the customer satisfaction. In doing so, the sample population has been segmented according to their shopping propensity of consumption on clothing to understand the group differences. Based on the previous researches, the researcher have chosen four important characteristics of the customer's shopping propensity. The number of iteration on factor analysis revealed that the sample population can be classified into three different groups; the convenience/pleasure-seeking group, the fashion/utility-seeking group, and the unconcerned group. The significant group differences resulted on the following study variables; the product assortment, the price rationality, and the value of the price. Also, from the product aspect, the characteristic, the assortment, and the expression in order, explained the significant portion of the Y variance. While, on the aspect of price, the rationality, and information in order, significantly contributed on the customer satisfaction.

거래가시성: 성공적인 SIS의 재해석을 통한 새로운 e-Commerce 프레임워크 (Transaction Visibility: Re-Interpretation of Successful SIS Cases, and Implications for E-Commerce)

  • 양희동;최인영
    • Asia pacific journal of information systems
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    • 제13권1호
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    • pp.73-101
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    • 2003
  • Firms can create additional customer values by changing the visibility characteristic of business transactions. Both visible and invisible transactions can provide distinctive values to the customers. Visible transactions are those that are open to the customer: the customer can see the detailed logic of the transaction and may manipulate specific variables to control the transaction process. Invisible transactions mean that customers have little ability to control the transaction flow and may even be insulated from seeing the transaction. These invisible transactions will be taken care of only by suppliers, and be regarded as a process performed by suppliers. This paper pursues finding out the contingencies of successful transaction visibility change by answering to the following question; "when does increasing(or decreasing) transaction visibility make sense to customers?" This archival case study finds out that transaction visibility change should fit to the need and capabilities of customers. Increasing transaction visibility makes sense when customers need a certain supplier's performance and have a confidence in the capabilities of executing the performance. By the same token, decreasing transaction visibility makes sense when customers have substantial troubles in conducting their current transaction actions or when customers don't feel it necessary to conduct them separately because they can be derived from other action.

KS제품 품질우수성지수 모델 개선 방안에 관한 연구 (A Study on the Model Improvement of Korean Industrial Standards-Quality Excellence Index(KS-QEI))

  • 김태규;김명준
    • 품질경영학회지
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    • 제41권3호
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    • pp.327-335
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    • 2013
  • Purpose: The purpose of this study is to suggest the modified 'Korean Standard-Quality Excellence Index' model and analyze the improvement effect with survey data by comparing the properness between current and suggested model result. Methods: The collected data through the survey were analyzed using paired t-test and unbalanced ANOVA method for testing the consistency of two customer satisfaction evaluating categories and comparing the current model to suggested model for confirming the improvement of performance. Results: The statistical analysis result shows that adjusted model using prior information improves the consistency between two customer satisfaction in case of short life-cycle product. Also long life-cycle product case, the result shows difference gap decreasing with same direction. Conclusion: Considering statistical model for QEI reflecting the characteristic of product group such as life cycle seems to be meaningful. Since index may be compared yearly base for checking the trend, careful approaching without big change should be considered for application.

손실함수의 형태를 고려한 생산자 규격한계의 결정 (Decision of Producer's Specification Limits Considering Types of Loss Function)

  • 김동혁;정영배
    • 산업경영시스템학회지
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    • 제41권3호
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    • pp.145-153
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    • 2018
  • Taguchi regarded the concept of quality as 'total loss to society due to fluctuations in quality characteristics from the time of supplied to the customer.' The loss function is a representative tool that can quantitatively convert the loss that occurs due to the deviation of the quality characteristic value from the target value. This has been utilized in various studies with the advantage that it can change the social loss caused by fluctuation of quality characteristics to economic cost. The loss function has also been used extensively in the study of producer specification limits. However, in previous studies, only the second order loss function of Taguchi is used. Therefore, various types of losses that can occur in the process can't be considered. In this study, we divide the types of losses that can occur in the process considering the first and second loss functions and the Spiring's reflected normal loss function, and perform total inspection before delivering the customer to determine the optimal producer specification limit that minimizes the total cost. Also, we will divide the quality policy for the products beyond the specification limits into two. In addition, we will show the illustration of expected loss cost change of each model according to the change of major condition such as customer specifications and maximum loss cost.

수용가 전력 소비 패턴을 고려한 배전용 변압기 과부하 판정기준 (Overload Criteria of Distribution Transformers Considering the Electric Consumption Patterns of Customers)

  • 윤상윤;김재철
    • 대한전기학회논문지:전력기술부문A
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    • 제53권9호
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    • pp.513-520
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    • 2004
  • In the paper, we summarize the result of the experimental research for the overload criteria of domestic distribution transformers considering the electric consumption patterns of customers. For the basic characteristic data of distribution transformer overload, the actual experiments are accomplished. The field data of loads are surveyed from sample transformers for analyzing the consumption pattern of customer load. The load data acquisition devices are equipped, and the algorithm of load pattern classification is applied. In addition to this efforts, various load pattern data. in past are gathered. Then the representative load pattern of each customer type in domestic is extracted. The final results of overload criterions are presented as tabular form through the results of experiments and survey are combined. The field test of the experiment results is peformed using the special manufactured transformers, which can measure both the load and top-oil temperature of transformer. Through this, we verify that the results of field test are similar to the laboratory one and the Proposed overload criteria can be effectively applied to the real system.

백화점의 서비스에 대한 품질측정과 만족도에 관한 연구 (A Study on Quality Measurement and Customer Satisfaction in Department Store Service)

  • 전태유
    • 복식
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    • 제56권5호
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    • pp.163-175
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    • 2006
  • Department store service is undergoing a rapidly changing social phenomena that is, the qualitative evaluation is getting more attention than the quantitative evaluation. Therefore, in this study, a standard has been prepared according to a service quality evaluation and the result has been analyzed to prepare major points for quality improvement. The differences in perception between department store consumers and department store employees were verified based on these factor categories. Also an attempt was made to reveal the relationship between satisfaction and service quality. When considering all the results of this study, the department store consumers and the department store employees perceived service quality differently from each other. The result is that the characteristics of the users and the suppliers reflect exactly as they are because of the characteristic of the distribution environment.