• 제목/요약/키워드: Customer Services

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한국 금융회사 마케팅 현황에 대한 탐색 연구 (An Exploratory Study on Marketing of Financial Services Companies in Korea)

  • 천성용
    • Asia Marketing Journal
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    • 제12권2호
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    • pp.111-133
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    • 2010
  • 투자상품의 확산, 고령화 등으로 인한 금융니즈 다양화와 자본시장법 시행으로 인한 금융회사간 치열한 경쟁으로 인해 금융산업 내에서 마케팅의 역할이 더욱 중요해지고 있다. 그러나, 지금까지 다른 산업에 비해 금융산업의 마케팅 연구는 상대적으로 부족하였다. 본 연구는 향후 구체적인 금융마케팅 연구들이 진행되기에 앞서 국내 금융마케팅 연구들을 정리하고, 국내 금융회사 마케팅 담당자를 In-depth 인터뷰하여 실제 국내 금융 마케팅 현황을 조사하였다. 이를 통해 향후 금융마케팅 연구에 필요한 시사점을 얻고자 하였다. 분석 결과, 다른 산업의 마케팅과 다른 금융 마케팅만의 고유 특징에 대한 이론적인 연구가 부족하였고, 금융산업 내에서 은행, 증권, 보험, 카드 산업 간의 마케팅 특징 차이에 대한 연구도 부족하였음을 알 수 있었다. 소비자행동 관점에서 금융고객의 의사결정 과정에 관한 연구도 부족하였다. 또한, 우리나라의 금융회사의 마케팅 현황은 외형적으로 어느 정도 성숙 단계에 접어들었다고 볼 수 있으나, 실제 업무는 여전히 과거의 영업지원, 혹은 프로모션 및 CRM 데이터 분석 등 단기적인 부분에 치중되어 있었다. 그리고, 은행, 증권, 보험, 카드 회사 등 각 세부 금융산업별 마케팅 담당자들이 중요하게 생각하는 금융마케팅의 키워드와 문제 인식 정도도 서로 다름을 알 수 있었다. 본 연구는 이러한 분석 결과를 바탕으로 향후 금융마케팅 연구를 위한 시사점과 함께 6가지의 연구명제를 제안하였다.

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베트남 모바일결재시스템 수용의도에 영향을 미치는 요인에 관한 실증연구 (An Empirical Study on Factors Affecting Customer Intention to Use Mobile Payment System in Vietnam)

  • 응엔프엉이;이성택;강위만;김정석;김광용
    • 한국IT서비스학회지
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    • 제14권4호
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    • pp.171-184
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    • 2015
  • Nowadays, mobile commerce is having an increasingly profound impact on our daily lives, and offer interesting and advantageous new services. Mobile payment is an emerging and important application of mobile commerce in smart work, enabling users to use their mobile devices (especially mobile phones) for paying goods and services wherever they go. The appearance of m-payment is expected to provide us a convenient and bright future to enjoy. That is the common trend on over the world, but in Vietnam, although the number of smart phone users has been increasing rapidly, the adoption of m-payment system still didn't succeed completely. The research reviewed literature regarding mobile payment services, analyzed the impact of customer characteristics and system characteristics on m-payment adoption in Vietnam. To analyze the adoption behaviors of m-payment users, m-payment research model which consists of three customer-characteristics (m-payment trust, personal innovativeness, m-payment knowledge) and four m-payment system characteristics (mobility, reachability, convenience, compatibility) were studied. The results indicate that perceived usefulness, trust, and compatibility are the important predictors to the intention to use m-payment. This study will assist m-payment services suppliers in implementing appropriate business models and service strategies to successfully attract customer to use m-payment in Vietnam, allowing managers to exert appropriate investment, time, and effort for m-payment system development in designing smart working.

스마트 홈 어플리케이션의 고객반응리뷰분석을 통한 기업별 서비스개선전략에 대한 연구 : 스마트 홈 사용성 가치의 기능적요소와 디자인적 요소 분류를 바탕으로 (A Study on the Service Improvement Strategies by Enterprise through the Analysis of Customer Response Reviews in Smart Home Applications : Based on the Classification of Functional Elements and Design Elements of smart Home Usability Values)

  • 허지연;김민지;차경진
    • 한국IT서비스학회지
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    • 제19권4호
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    • pp.85-107
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    • 2020
  • The Internet of Things market, a technology that connects the Internet to various things, is growing day by day. Besides, various smart home services using IoT and AI (Artificial Intelligence) are being launched in homes. Related to this, existing smart home-related studies focus primarily on ICT technology, not on what service improvements should be made in customer positions. In this study, we will use smart home application customer review data to classify functional and design elements of smart home usability value and examine the ways customers think of service improvement. For this, LG Electronics and Samsung Electronics" Smart Home application, the main provider of Smart Home in Korea, customer reviews were crawled to conduct a comparative analysis between them. In this study, the review of IoT home-applications was analyzed to find service improvement insights from customer perspective, and related analysis of text mining, social network analysis and Doc2vec was used to efficiently analyze data equivalent to about 16,000 user reviews. Through this research, we hope that related companies effectively seek ways to improve smart home services that reflect customer needs and are expected to help them establish competitive strategies by identifying weaknesses and strengths among competitors.

설문조사를 통한 신규 통신서비스의 수요예측 방안

  • 김지표;홍정식;안재경;강원철;이병철;한권훈
    • 한국경영과학회:학술대회논문집
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    • 한국경영과학회 1998년도 추계학술대회 논문집
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    • pp.245-248
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    • 1998
  • In this paper, as a forecasting method, the market survey for forecasting demand is introduced for the estimation of subscriber line demand in the optical access networks. The market survey method for the new multimedia services is attempted to collect information directly from customers using the questionnaires for home-users and business-users in local loops. Analysis rationale of questionnaires is suggested to estimate the number of subscriber lines. Also, two measures are presented to quantify the credibility on survey responses; one is the probability that the customer will use the multimedia services and the other is the rate that the subscriber line demand will be actually realized. The former measure is calculated based on the information on customers and the Logit analysis. The latter is obtained by the degree of customer's knowledge about specific services and the customer's willingness to use the services. Based on the values of two measures, the number of subscriber line demand can be developed for installing the optical access networks.

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증권사 영업점과 고객센터 통합운영에 관한 연구: IPT와 IPCC 통합운영을 중심으로 (A Study on Integrated Operation of Securities Branch and Customer Center: Focusing on Integrated Operation of IPT and IPCC)

  • 조재현;정기주
    • 경영정보학연구
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    • 제17권2호
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    • pp.29-48
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    • 2015
  • 본 연구는 대표적인 유선문의 접점인 고객센터의 정보통신기술을 기반으로 증권사 영업점과 고객센터와의 통합운영 모델에 관한 제언과 개선방향에 대한 것이다. 증권사 영업점과 고객센터 간 통합운영 모델은 시각을 다투는 증권업종의 특성상 고객이 원하는 시각에 매매를 하거나 문의하고 싶은 내용에 따라 해당하는 고객접점 매체를 선택하게 하고, 그 매체별 특성에 맞게 서비스를 지원함으로서 고객 만족과 가치는 증가하게 된다. 더불어 증권사는 보유 자원의 통합을 통해 내부자원의 효율성을 높을 수 있는 이점을 함께 갖는다. 고객이 선택한 매체별 특성에 따라 인적자원과 시스템자원을 배분하고 직원의 경우 자신의 해당업무에 맞는 고객과 통화함으로써 더 신속하고 정확한 고객응대를 할 수 있게 된 것이다. 또한 고객과의 만나는 순간마다 고객으로부터 최신의 정보를 다양하게 수집하게 됨으로서 이후 고객성향에 맞는 맞춤형 서비스를 제공할 수 있는 기초를 마련한다고 할 수 있겠다. 제시된 모형이 증권사 영업점과 고객센터를 찾는 유선고객에게 최상의 맞춤형 서비스를 지원하기 위해서는 영업점 직원들과 고객센터 상담사간 유기적인 상호작용과 시스템 모형에 대한 이해가 전제되어야 하며 통합운영 모형이 가지는 기능을 원활히 수행하기 위해서는 고도화된 기술적 환경이 구축되어야만 가능한 모델이라 말할 수 있다.

정보서비스품질이 고객로열티에 미치는 영향에 관한 연구: 고객관계관리 관점 (The Effect of Information Service Quality on Customer Loyalty: A Customer Relationship Management Perspective)

  • 김형수;김승하;김영걸
    • Asia pacific journal of information systems
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    • 제18권1호
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    • pp.1-23
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    • 2008
  • As managing customer relationship gets more important, companies are strengthening information service using multi-channels to their customers as a part of their customer relationship management (CRM) initiatives. It means companies are now accepting such information services not as simple information -delivering tools, but as strategic initiatives for acquiring and maintaining customer loyalty. In this paper, we attempt to validate whether or not such various information services would impact on organizational performance in terms of CRM strategy. More specifically, our research objective is to answer the next three questions: first, how to construct the instruments to measure not information quality but information service quality?; second, which attributes of information service quality can influence corporate image and customer loyalty?; finally, does each information service type have unique characteristics compared with others in terms of influencing corporate image and customer loyalty? With respect to providing answers to those questions, the previous studies had been limited in that those studies failed to consider the variety of types of information service or restricted the quality of information service to information quality. An appropriate research model answering the above questions should consider the fact that most companies are utilizing multi channels for their information services, and include the recent strategic information service such as customer online community. Moreover, since corporate information service could be regarded as a type of products or services delivered to customer, it is necessary to adopt the criteria for assessing customer's perceived value when to measure the quality of information service. Therefore, considering both multi-channels and multi-traits may enable us to tell the detailed causal routes showing which quality attributes of which information service would affect corporate image and customer loyalty. As information service channels, we include not only homepage and DM (direct mail), which are the most frequently applied information service channels, but also online community, which is getting more strategic importance in recent years. With respect to information service quality, we abstract information quality, convenience of information service, and timeliness of information service through a wide range of relevant literature reviews. As our dependant variables, we consider corporate image and customer loyalty that both of them are the critical determinants of organizational performance, and also attempt to grasp the relationship between the two constructs. We conducted a huge online survey at the homepage of one of representative dairy companies in Korea, and gathered 367 valid samples from 407 customers. The reliability and validity of our measurements were tested by using Cronbach's alpha coefficient and principal factor analysis respectively, and seven hypotheses were tested through performing correlation test and multiple regression analysis. The results from data analysis demonstrated that timeliness and convenience of homepage have positive effects on both corporate image and customer loyalty. In terms of DM, its' information quality was represented to influence both corporate image and customer loyalty, but we found its' convenience have a positive effect only on corporate image. With respect to online community, we found its timeliness contribute significantly both to corporate image and customer loyalty. Finally, as we expected, corporate image was revealed to provide a great influence to customer loyalty. This paper provides several academic and practical implications. Firstly, we think our research reinforces CRM literatures by developing the instruments for measuring information service quality. The previous relevant studies have mainly depended on the measurements of information quality or service quality which were developed independently. Secondly, the fact that we conducted our research in a real situation may enable academics and practitioners to understand the effects of information services more clearly. Finally, since our study involved three different types of information service which are most frequently applied in recent years, the results from our study might provide operational guidelines to the companies that are delivering their customers information by multi-channel. In other words, since we found that, in terms of customer loyalty, the key areas would be different from each other according to the types of information services, our analysis would help to make decisions such as selecting strengthening points or allocating resources by information service channels.

인터넷뱅킹 사이트의 서비스품질과 인터넷 이용자 개인특성이 고객충성도에 미치는 영향 (The Effect of Service Quality of Internet Banking Site ad Characteristic of lInternet User on Customer Loyalty)

  • 전병호;윤종훈;송인암;김병곤
    • 한국정보시스템학회지:정보시스템연구
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    • 제14권1호
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    • pp.197-226
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    • 2005
  • Recently, internet as well as internet banking are growing rapidly. Most banks in Korea provide internet banking services for customers. Internet banking became a major trend in the financial marketplace. There are a few empirical research in this area. Although quality of internet banking service is an important concept, there is a lack of theory-based empirical research in this area. Therefore, this paper is aimed at finding whether service quality of internet banking influence customer satisfaction, and whether characteristic of internet banking user influence relationship between customer satisfaction and service quality of internet banking. Furthermore, this paper identify whether customer satisfaction influence customer loyalty. The research model proposed thirteen hypothesis and tested empirically. A total of 269 responses were received from internet banking users and analyzed. The analyses showed partial support for the affirmative effect of customer satisfaction and characteristic of internet banking user. But the relationship between customer satisfaction and customer loyalty is significant. Implications of these findings are that internet banking sites should concentrate on providing a high quality of banking services; information, trust, ease of use, and security of system and thereby strengthen customer loyalty.

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대학행정 서비스품질 평가 연구 - 6시그마 DMAIC 프로세스 이용 - (A Study on the Service Quality Evaluation of University Administrations - The utilization of DMAIC process 6sigma -)

  • 구일섭;조인희;정경희
    • 대한안전경영과학회지
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    • 제10권4호
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    • pp.209-218
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    • 2008
  • The growth in services has focused issues of service quality both for commercial enterprises and across a range of public services and government institutions. The education sector, in particular, has undergone radical change to meet the needs of its varied constituents. This paper examines key issues in internal service, customer satisfaction, service quality, relational commitment as they apply in one particular education sector. The purpose of this study is to analyze effect of internal service on customer satisfaction, educational service quality. First, In the dimension of internal service, many factors affect internal customer's evaluation for overall satisfaction. They are categorized as five factors; tangibles, reliability, responsiveness, assurance, empathy. The results of this study supported the proposed conceptual framework overall. Therefore, we identified that internal service quality is the antecedent of an internal customer satisfaction, and the consequent variables of an internal customer satisfaction are educational service quality, external customer satisfaction. The major findings of this study are summarized as follows. First, some factors(tangibles, reliability, responsiveness, assurance, empathy) affected positively internal customer satisfaction. Second, external service quality affected positively educational service quality, external satisfaction. In other words, the more internal customers have experienced internal service, the higher internal service quality deliver educational service quality.

Customer Perspective Analysis on Ubiquitous Healthcare Services

  • 이윤미;한현수
    • 한국경영정보학회:학술대회논문집
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    • 한국경영정보학회 2008년도 춘계학술대회
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    • pp.114-120
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    • 2008
  • While ubiquitous healthcare (u-health) services were expected to propagate along with conventional healthcare services, recent progress indicated rather limited market acceptance. In this paper, we investigated the fundamental causes of why the consumer acceptance level of u-health services has been low. We draw upon innovation adoption theories to analyze the consumer readiness of the typical u-health services. The comparative analysis between innovative u-health services and conventional services was performed using analytic hierarchy process (AHP). Subsequently, policy and business implications including technological breakthrough insights were discussed based on the customer perspective comparative adoption analysis. The propositions captured through this study provide useful insight to further studies on u-health services.

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고객별 구매빈도에 동적으로 적응하는 개인화 시스템 : 음료수 구매 예측에의 적용 (The Adaptive Personalization Method According to Users Purchasing Index : Application to Beverage Purchasing Predictions)

  • 박윤주
    • 지능정보연구
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    • 제17권4호
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    • pp.95-108
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    • 2011
  • 인터넷 비즈니스의 활성화에 따라서 기업은 고객의 인물정보 및 거래정보를 활용하여 보다 맞춤화된 개인화 서비스를 제공하고 있다. 기존의 고객군별 예측기법은 유사한 고객들을 군집화하여 고객군별로 예측모델을 수립하는 것으로, 구매가 많고 충성도가 높은 핵심고객에게 요구되는 일대일 서비스를 제공하는 데는 한계가 있다. 반면 일대일 고객별 예측기법은 각 고객에게 고도로 맞춤화된 서비스를 제공하지만, 과거 구매이력이 많지 않은 고객 이나 신규 고객에게는 정확한 개인화 서비스를 제공하지 못한다. 본 연구는 고객의 구매빈도에 따라서 유사 고객들과의 군집화 수준을 동적으로 조정하는 새로운 지능형 개인화 시스템을 제안한다. 제안된 시스템은 과거 구매가 많은 고객들에 대해서는 일대일 예측모델을 수립하지만, 구매 빈도가 낮은 고객의 경우 다른 고객들과의 최적화된 군집화를 통해 예측모델을 수립한다. 본 기법을 Neilsen의 음료수 구매 데이터셋에 적용하여 고객의 일회 구매금액 및 구매품목을 예측한 결과, 기존 두 예측기법들에 비하여 적정한 계산비용(computational cost)으로 더욱 정확한 개안화 서비스를 제공할 수 있음을 확인하였다.