• Journal of the Korea Convergence Society
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• v.6 no.1
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• pp.85-91
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• 2015

Recently government has distributed precautionary measure and response procedures for smishing(SMS phishing), pharming, phishing, memory hacking and intensified Electronic Financial Transaction Act because of the sharp increase of electronic bank frauds. However, the methods of electronic bank frauds also developed and changed accordingly so much it becomes hard to cope with them. In contrast to earlier voice phishing targeted randomizing object, these new methods find out the personal information of targets and analyze them in detail making a big data base. And they are progressed into new kind of electronic bank frauds using those analyzed informations for voice phishing. This study analyze the attack method of voice phishing blended with the Big Data of personal informations and suggests response procedures for electronic bank frauds increasingly developed. Using the method to save meaningless data in a memory, attackers cannot deduct accurate information and try voice phishing properly even though they obtain personal information based on the Big Data. This study analyze newly developed social technologic attacks and suggests response procedures for them.

• The Journal of Korean Association of Computer Education
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• v.21 no.4
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• pp.11-20
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• 2018

This study is to propose a problem bank of problem solving programming using Online Judge System as one of the ways to motivate learners and increase for immersion to students who take Data Structure lecture that is the basis of problem solving ability using information science. In order to do this, we developed a question bank for each major topic in the Data Structure, by developing 70 problem solving programming problems suitable for the main topics of the Data Structure. By mounting it on an Online Judge System and applying to actual classes, and by analyzing the motivation for learning and the degree of immersion according to the result after the application of the lesson, we propose a teaching-learning contents and usage for problem solving programming and Data Structure classes at the teacher training university which give motivation for learning and immerse in problem solving programming.

• Journal of Digital Convergence
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• v.12 no.11
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• pp.215-223
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• 2014

To provide evidence of bank's management consulting effect on client firms' performance and contribution to the bank, this study adopts Matching Sample Design and OLS regression using financial and consulting data from A Bank, which allowed us for empirically testing bank's management consulting effect on client firms. Specifically, We examine difference between ante-post performance of consulting client firms and difference between performance of consulting client firms and the other client firms. Empirical results show that management consulting by a Bank can increase interdependency, while It does not cause significant improvement of growth, activity, and profitability. This result provides further understanding of effect of management consulting by a bank on consulting client firms and some implication which banks should consider for management consulting.

• Korean Architects
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• s.539
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• pp.70-75
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• 2014

This study strives to seek the background in Ho-Seo Bank(HQ)'s foundation and its urban meaning. First, the thesis intends to understand the autonomous characteristics of Ho-Seo Bank which had been supported by Korean capitalists(landowners and merchants), keeping their pure capitals acquired by regular traditional marketplaces and farming works around Yesan. Second, through quantification data, it deals with reasons that the Ho-Seo Bank have been situated on a triangular corner that meets three roads toward a main thoroughfare toward Gongju to Hongseong, a railroad station, and a downtown area(Honmachi(本町通)) each. Third, it discusses the subsequent changes of Yesan's urban landscape that resulted from the Ho-Seo Bank's foundation(1913). In other words, thanks to a newly founded Ho-Seo Bank's headquarter(1922) and partly opening of a railway(Gyeongnam, 1922), Yesan became more advanced constructing both a political venue for a military police, a county office, et cetera, and then an educational place for schools. In conclusion, such urban phenomena shows there would be a dual combination between Korean people(aboriginal landowners and intellectuals) in autonomous efforts and Japanese officials in heteronomous controls. This thesis further contends that Ho-Seo Bank architecture itself reflects their status in the locality, who envisioned a 'cultural equality,' competing with Japanese aggressors, and its firm and massive form shows a new building type of bank architecture, literally representing the safeness and firmness, so differentiated from other buildings with the 'Secession' style in colonial areas under the control of the world powers.

• The Journal of Fisheries Business Administration
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• v.47 no.1
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• pp.87-100
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• 2016

Suhyup Bank became to be subject to regulation of capital ratio by Basel III which was introduced in order to enhance stability of the financial institution. Accordingly, Suhyup Bank will require recapitalization. It is important to estimate the risk-weighted assets in calculating of Suhyup Bank's recapitalization scale. Therefor, this study aimed to present a scientific model as estimated the risk-weighted assets. Risk-weighted assets are calculated by applying different risk weights for loans, may have a certain relationship with the loans. Results show that the risk-weighted assets is affected by the previous year's risk-weighted assets and influenced the increase in loans during the year. Since the required basic capital adequacy ratio was specified, the risk-weighted assets should be predicted reasonably. Accordingly, on this study it was tried to derive the accounting equation to predict the risk-weighted assets based on management data of a bank since introduction of Basel III. As the risk-weighted assets were weighted differently according to the type of loans, if the accounting equation is derived by using the type of loans, then it would be helpful for the risk management of banks in the long-term. According to this, the increase of loan would be predicted on the basis of past management performance of Suhyup Bank, and for this reason, the future risk-weighted assets of Suhyup Bank were predicted. The result of this study was showed that 98.3% of risk-weighted assets of the previous year, 62.4% of the secured loan changes and 95.1% of the credit loan changes affected risk-weighted assets.

• Journal of Korea Multimedia Society
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• v.23 no.9
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• pp.1210-1218
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• 2020

This study selected brand logos of six South Korean and Chinese banks including KB, IBK, SH, ICBC, ABC, and SISB, conducted Eye Tracking experiment among 36 South Korean and Chinese university students(Nine male and female students, respectively), and analyzed the difference of visual attention of consumers on bank brand logo, symbol, Korean/Chinese character logo types as well as the difference of visual attention of these consumers on English logo types. Results were represented by using statistics and visualization including GAZEPLOT, HEATMAP, and visual expression. Results showed that most generally gazed logo types more often and longer than symbols when they watched bank brand logos. A slight difference was observed between both groups in terms of gazing English logo types. This study has a implication that it proposed the possibility of drawing quantitative and reliable outcomes by utilizing eye tracking device and approaching in an objective standpoint beyond a methodological aspect on bank brand logo primarily leaning over the analysis of case research or design development. Moreover, findings are expected to serve as basic data for proposing the direction of special bank brand logo design and marketing strategies.

• The Journal of Asian Finance, Economics and Business
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• v.6 no.3
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• pp.9-18
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• 2019

The purpose of this study is to investigate the relation between conservative loan loss accounting practice of banks, defined as accounting behavior that increases loan loss allowances against expected credit losses, and bank lending. Furthermore, we specify the macroeconomic conditions reflecting debtors' borrowing environments and analyze how these conditions affect the relation between conservative loan loss allowances and bank lending. Although existing literature reports that accounting conservatism has a direct effect on non-financial firms' investment behavior, there is little evidence about an effect of conservatism on banks' lending behavior. By exploiting data showing the links between individual Japanese firms and their individual lenders to control both loan demand and supply, we estimate OLS regressions to test the relationships among conservative loan loss allowance, bank lending, and macroeconomic conditions using a unique dataset containing bank-firm-year observations between 2001 and 2013. We find banks that have conservative loan loss allowances tend to provide fewer loans to firms with financing needs when macroeconomic conditions are good and these conservative banks are likely to provide more loans to firms when macroeconomic conditions are bad. Our findings suggest that reflecting expected credit loss into loan loss allowances can mitigate the procyclical behavior of banks.

• Journal of the Korean Professional Engineers Association
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• v.30 no.4
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• pp.99-116
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• 1997

In order to obtain safe drinking water, free from surface contamination, a study to determine the potential for developing a bank-filtrate system in the Iryong and Yongsan, Nakdong River Basin, Korea was conducted. The main type of aquifer In the study area is alluvial, consisting mostly of sand and gravel. The hydraulic conductivity(k) of the Iryong and Yongsan test areas were 8.63${\times}$10$^-2$cm/s and 9.90${\times}$10$^-2$cm/s, respectively, indicating that these areas are satisfactory for bank filtrate production. Pilot plants(IRPL and YSPL) were set up In Iryong and Yongsan to monitor the change in the quality of bank-filtered water and to determine the effect pumping had on the surrounding hydrogeologic system. The pilot plants operated continuously for about two months and the data obtained were used to validate the groundwater flow model. Computer simulations were conducted to predict the effects of producing bank filtrate using MODFLOW. MODPATH was also linked with the flow model to analyze particle tracking. According to the results of the model simulations and the hydrogeologlc study, long-term pumping, the minimization of drawdown and the availability of uncontaminated sell and groundwater conditions for the catchment area were all Important factors for successful bank-titrate system development.

• The Journal of Information Systems
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• v.29 no.3
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• pp.77-101
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• 2020

Purpose Internet only bank is one of the promising untact businesses which are rising in COVID-19 pandemic. Kakaobank and Kbank have been offering banking services since 2017 in Korea and WeBank and MYbank in China opened the services since 2015. It is necessary to examining determinants of customer loyalty beyond intention to use. The purpose of the present study is to analyze factors influencing customer loyalty and their determinants. A research model integrating the relationships among customer loyalty, service satisfaction, trust, and social influence, and their determinants was proposed. Design/methodology/approach Structural equation modelling for validating the research model was employed. 235 valid data were collected from users of Internet only bank in China. Nine latent variables grouped from 38 indicators were reliable and valid and nine hypotheses were tested by using SmartPLS. Findings All nine hypotheses were supported at significant levels of 0.001 and 0.01. Trust, service satisfaction, and social influence had influenced on customer loyalty. Trust not only affected customer loyalty directly, but also had influence on it indirectly through service satisfaction. Empathy and convenience are determinants of trust. Perceived expertise and dispositions believing acquaints had a positive influence on social influence, whereas users' anxiety for technology or change had a negative influence on social influence. Implications for academics and practitioners were suggested.

• The Journal of Asian Finance, Economics and Business
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• v.7 no.8
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• pp.117-130
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• 2020

The purpose of this study is to provide benefits and ethically-rooted managerial implications based on theoretical underpinnings through an empirical study using correlation between wages, bank credit, government expenditure on economic growth, and employment via a case study in Indonesia. Besides that, managerial implications strive to provide benefits to the government regarding the importance of establishing effective and pro-development regulations to realize economic growth and employment through the efficient role of wages, bank credit, and government spending. This study uses secondary macroeconomic data from the period 2010-2019 with analysis using the correlation test with the Pearson correlation method. Out of eight hypotheses tested, two hypotheses do not have a significant correlation. The details of the statistical results obtained the following correlations: the correlation between bank credit and wages has a significant, but indirect (negative) correlation. However, the correlation between bank credit and economic growth has a direct and significant (positive) correlation. Government expenditure correlates positively with wages, but correlates negatively with bank credit. Wages are positively correlated with economic growth, but have no significant effect on employment. Finally, economic growth has a positive correlation with government expenditure, but does not have a significant correlation with employment.