• Journal of Service Research and Studies
• /
• v.13 no.2
• /
• pp.130-145
• /
• 2023

The digital transformation of finance is accelerating, and digital banking has already become a major banking channel. Banks have traditionally placed importance on CRM(Customer Relationship Management) and have tried to retain their loyal customers, who contribute significantly to the bank, such as long-term transactions, holding accounts with a certain balance or more, and holding loans. In this situation, this study exploratorily analyzed the consumer behavior of digital banking deposits in a major bank of Korea(1,145 samples). Statistical analysis was performed using SPSS. The main findings of the study are summarized as follows. It was found that there were differences of consumer behavior in digital banking deposits by generation, and the MZ generation used digital banking more on holidays than other generations. As a result of analyzing the behavior of existing loyal customers and regular customers of digital banking deposit, there was a significant difference in both the amount and period of the deposit. It was confirmed that the existing loyal customers of the bank also engage in consumer behavior that contributes to the bank in digital banking. In addition, the interaction between the customer type and the date of sign up for the deposit period, which is the goal setting of financial consumers, it was found that there was a significant effect. This study empirically analyzed the consumer behavior of digital banking in a situation where decrease of bank branches and encounters with digital banking. The major concepts of the consumer behavior theory are Loyal Customer, Goal Pursuit, and Habit, which were confirmed in an example of digital banking. The results of this study can suggest practical implications for existing banks and Internet-only banks, including the importance of customer management in digital banking.

• Journal of the Korea Institute of Information and Communication Engineering
• /
• v.18 no.4
• /
• pp.861-866
• /
• 2014

The scale of national research and development work is expanded gradually and grows bigger, so necessity of building system rises to guarantee more objective and fairer selection of business and clarity of budget administration according to active progress of convergence between study territories. In the study, standard frame work is suggested for information connection between dissimilarities, and based on this work; the study considers the system for information connection of digital budget accounting system handling budget and accounting of national finance and national science technology knowledge information system that is in charge of result administration and result evaluation of national research and development work, so suggests application plan of standard frame work connected with information solving current state and problems for connection.

• Journal of Digital Convergence
• /
• v.15 no.1
• /
• pp.381-391
• /
• 2017

Biometric technology is a technology for authenticating a user using the physical or behavioral features of the inherent characteristics of the individual. With the necessity and efficiency of the technology in the fields of finance, security, access control, medical welfare, inspection, and entertainment, the service range has been expanding. Biometrics using biometric information such as fingerprints and faces have been exposed to counterfeit and disguised threats and become a social problem. Recent studies using a bio-signal from the inside of the body other than the bio-information of the external body are being developed. This paper analyzes the recent research and technology of biometric systems using bio-signals, ECG, heart sounds, EEG, and EMG to present the skills needed for the development direction. In the future, utilizing the deep learning to build and analyze database to manage bio-signal based big data for the complex condition of individuals, biometrics technologies suitable for real time environment are expected to be researched.

• Journal of Digital Convergence
• /
• v.14 no.12
• /
• pp.13-25
• /
• 2016

This paper analyses the impacts of the characteristics of policyholder and contract on the lapse of Voluntarily Insured Person in National Pension, using the recent lapse data from National Pension Service. The logistic regression model is used in examining lapse odds with several independent variables. The result demonstrates several hypotheses of the lapse behaviors. First, the lapse odds of men is lower than that of women. Second, the effect of age on lapse odds shows concave shave with the peak at 37. Third, insured period has a negative effect on lapse odds in entrants sample. Fourth, standard monthly income has little effect on lapse in either sample. Fifth, the lapse odds decreases as the expected benefit ratio increases. Sixth, 2013 pension bill resulted in the sharp increase of lapse odds and the effect was greater for entrants. Last but not least, spatial environment such as residence also affects the lapse behavior.

• Journal of Digital Convergence
• /
• v.16 no.7
• /
• pp.409-418
• /
• 2018

This study aims to find improvements to problems including investigation public affairs for the activities of artists focusing on the Korean Artists Welfare Foundation since established in 2012. Hence, Gilbert and Terrell's analytical framework for social policy is used with these public affairs in terms of allocation, benefit, service delivery system and finance for this research and pointed at issue. As a result of analysis, the identification of artist is vague for the allocation and the benefit and delivery are not effective in actual practice. In addition to this, the source of fund should become independent financially not to depend on the public funding. Therefore, the follow-up research is necessary that the system of verification for the artists to benefit from the public supports with fair and effective opportunities and developments to secures the funds prospectively.

• Knowledge Management Research
• /
• v.22 no.2
• /
• pp.189-208
• /
• 2021

The purpose of this study was to identify the effect of education service quality (quality of professor service, quality of curriculum service) on career decision-making, self-efficacy, career decision level, and career preparation behavior. Appropriate measures were developed and tested on 426 respondents of Gyeongnam province in South Korea with a cross-sectional questionnaire survey. To ensure the reliability and validity of the questionnaire, frequency analysis, reliability analysis, and validity analysis were conducted. To ensure the reliability and validity of the measurement model, the CFA(confirmatory factor anlaysis) were conducted. The SEM(structural equation modeling) analysis was undertaken to perform the path analysis among the variables and to assess the suitability of the model. MCFA(multi group CFA) and MSEM(multi group SEM) were performed to confirm the moderation effect. Results of the study are summarized as follows: Firstly, education service quality has positive effects on career decision-making self-efficacy. Second, career decision-making self-efficacy has positive effects on career decision level and career reparation behavior. Third, career decision level has positive effects on career reparation behavior. Finally, it was found there exists a moderating effect of freshman/registered student between education service quality, career decision-making self-efficacy, career decision level, career preparation behavior. As a result of this study, it is suggested that investigation of extraneous variables which help to improve career preparation behavior and career decision level as for career of university student will contribute to university education.

• Journal of Digital Convergence
• /
• v.12 no.3
• /
• pp.161-176
• /
• 2014

Social commerce is a new internet business model which are types of joint purchase, social link, promotion, and on-off association etc. The recent public organization has the dual target to increase sound finance, and to improve customer satisfaction and the quality of public service. The purpose of this study is to propose the strategy of public social commerce which makes it's customers become positive purchasers. We analyzed 31 public organizations, and found that the type of social link interlocking with SNS site in the various purpose of public, and the offline association type using the service of location base would be utilized very highly. We also found that the joint purchase type and the promotion type would be used in the area of public and private selective services intending to make a profit. The anticipated performance are as follows: rapidity and reliance, customer made thing and goodwill, convenience for the service environment quality, publicity and diffusion, and sales promotion, productivity increase and new finding of revenue model for the profit increase outcome.

• Journal of Technology Innovation
• /
• v.18 no.2
• /
• pp.59-89
• /
• 2010

One of the key words that represent the culture and social phenomena in this 21st century is 'Digital Convergence'. Presently our society is going through the second evolving phase of the convergence, integration between industries. Integration between industries refers to the phenomenon of integrating various industrial areas such as broadcasting, communication, finance, automobile, and medical treatment as the range of IT utilization becomes extended. The telecommunication-broadcasting bundling is a typical example of integration between industries. This study analyzed the effect of the service features of the bundling on the customer's acceptance intention by applying the innovative technology product acceptance model, TAM, in the process of accepting the telecommunication-broadcasting bundling. This study suggests three independent variables, the 'low cost(discount)', 'service integrity', and 'selectability', which affect perceived usefulness, perceived ease of use, and perceived risk, and figures out the actual influence as follows. In conclusion, these results suggest that in order to accept and spread the telecommunication-broadcasting bundling, it is necessary to establish (1) the cost discounting strategy realize (price strategy), (2) the fee noticing system, payment system, call-service system, and systemic integration including installation and A/S system integration, and develop (service strategy), (3) the bundling or related options that can provide users with selectability (product strategy).

• Journal of Intelligence and Information Systems
• /
• v.29 no.3
• /
• pp.287-316
• /
• 2023

As global energy crisis and the COVID-19 pandemic have emerged as social issues, there is a growing demand for companies to move away from profit-centric business models and embrace sustainable management that balances environmental, social, and governance (ESG) factors. ESG activities of companies vary across industries, and industry-specific weights are applied in ESG evaluations. Therefore, it is important to develop strategic management approaches that reflect the characteristics of each industry and the importance of each ESG factor. Additionally, with the stance of strengthened focus on ESG disclosures, specific guidelines are needed to identify and report on sustainable management activities of domestic companies. To understand corporate sustainability strategies, analyzing ESG reports and news articles by industry can help identify strategic characteristics in specific industries. However, each company has its own unique strategies and report structures, making it difficult to grasp detailed trends or action items. In our study, we analyzed ESG reports (2019-2021) and news articles (2019-2022) of six companies in the 'Finance,' 'Manufacturing,' and 'IT' sectors to examine the sustainability strategies of leading domestic ESG companies. Text mining techniques such as keyword frequency analysis and topic modeling were applied to identify industry-specific, ESG element-specific management strategies and issues. The analysis revealed that in the 'Finance' sector, customer-centric management strategies and efforts to promote an inclusive culture within and outside the company were prominent. Strategies addressing climate change, such as carbon neutrality and expanding green finance, were also emphasized. In the 'Manufacturing' sector, the focus was on creating sustainable communities through occupational health and safety issues, sustainable supply chain management, low-carbon technology development, and eco-friendly investments to achieve carbon neutrality. In the 'IT' sector, there was a tendency to focus on technological innovation and digital responsibility to enhance social value through technology. Furthermore, the key issues identified in the ESG factors were as follows: under the 'Environmental' element, issues such as greenhouse gas and carbon emission management, industry-specific eco-friendly activities, and green partnerships were identified. Under the 'Social' element, key issues included social contribution activities through stakeholder engagement, supporting the growth and coexistence of members and partner companies, and enhancing customer value through stable service provision. Under the 'Governance' element, key issues were identified as strengthening board independence through the appointment of outside directors, risk management and communication for sustainable growth, and establishing transparent governance structures. The exploration of the relationship between ESG disclosures in reports and ESG issues in news articles revealed that the sustainability strategies disclosed in reports were aligned with the issues related to ESG disclosed in news articles. However, there was a tendency to strengthen ESG activities for prevention and improvement after negative media coverage that could have a negative impact on corporate image. Additionally, environmental issues were mentioned more frequently in news articles compared to ESG reports, with environmental-related keywords being emphasized in the 'Finance' sector in the reports. Thus, ESG reports and news articles shared some similarities in content due to the sharing of information sources. However, the impact of media coverage influenced the emphasis on specific sustainability strategies, and the extent of mentioning environmental issues varied across documents. Based on our study, the following contributions were derived. From a practical perspective, companies need to consider their characteristics and establish sustainability strategies that align with their capabilities and situations. From an academic perspective, unlike previous studies on ESG strategies, we present a subdivided methodology through analysis considering the industry-specific characteristics of companies.

• Journal of Digital Convergence
• /
• v.14 no.5
• /
• pp.165-176
• /
• 2016

The purpose of this study is to examine the effects of the IT resources on the work efficiency and corporate performance in Mobile Smart-Work Environment with IT convergence Technology by applying the Resource-Based View. The study has an academic meaning by empirically analyzing the effects of factors identified based on the existing study on the IT resources in Mobile Smart-Work, and practical implications to identify how the significance of the Mobile Smart-Work used as a platform of variety industries in manufacturing, logistics, service, distribution, finance, public institutions, and so on positively affects improvement of corporate efficiency and performance. The results showed that IT Infrastructure and IT skills in the Mobile Smart-work environment were found to bring positive effects on individual work efficiency, and IT skills had positive influence on team work efficiency. Also, we confirmed the individual and team work efficiency positively affect financial and market performance of business firms. Finally, we expect that business firm equipped with IT resources in the Mobile Smart-Work environment with IT convergence Technology. It can improve this work efficiency and the performance, which leads to strengthening the core competency.