• The Journal of Asian Finance, Economics and Business
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• 제5권1호
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• pp.63-72
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• 2018

Social entrepreneurship is increasingly gaining interest in developing countries for the great benefits of society. In Vietnam, the concept of social entrepreneurship is still quite new. Entrepreneurial intention is regarded as a useful and practial approach for understanding actual entrepreneurial behavior. The purpose of this paper is to develop an integrated model based on planned behavior to examine the direct and indirect effect of perceived access to finance on social entrepreneurial intention. The confirm factor analysis to study the latent constructs underlying determinants of planned behavioral theory, perceived access to finance and social entrepreneurial intention. Then, it applies the technique of structural equation modeling to explore relationships among latent constructs. There is no direct relationship between perceived access to finance and social entrepreneurial intention. Perceived access to finance only indirectly increases entrepreneurial intention through attitude towards behavior and perceived behavioral. This study focuses on the perceptual factor of financial access that affects entrepreneurial intentions. The study does not cover other in-depth issues of social entrepreneurship such as decision making, leadership, personality traits, social capital, and human capital. To establish an environment with a strong social entrepreneurial intention, a focus on developing perceived access to finance is an extremely important factor. This study also suggests that attitude towards behavior and perceived behavioral have a strong impact to social entrepreneurship.

• The Journal of Asian Finance, Economics and Business
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• 제9권9호
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• pp.191-203
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• 2022

The ecosystem for digital payments in India has expanded quickly during the last decade. A synthesis of technical advancements and progressive governmental laws and regulations has fuelled this expansion. Particularly, the UPI system has assisted India in transitioning from a nation heavily reliant on cash for daily transactions to one with fewer cash transactions. The study attempted to determine how Financial Inclusion (FI) through a socio-techno-ecosystem impacts digital payment systems. FI involves ensuring financial services, products, and an adequate amount of credit without discrimination against the weaker section of society. The study has established that FI impacts the UPI. The finance infrastructure thus helps to develop an ecosystem where financial access and the awareness level help people to transit to new channels of payment. We have used secondary data of 27 banks for sixteen quarters and four years, i.e., for the financial years 2016-17 to 2019-20. It is observed from the current study that the offsite_ATM plays a significant role in the value creation of the UPI. Our study implies that it will help retailers, individuals, and business houses to use UPI platforms for swift payments without hassle. Also helpful for industries that are still not digitally disrupted and industry-specific UPI transactions.

• Management Science and Financial Engineering
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• 제12권1호
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• pp.127-142
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• 2006

In this paper, we present a frequency reassignment problem (FRP) that arises when we add new base stations to resolve hot-spots or to expand the coverage of a code division multiple access (CDMA) network. For this problem, we develop an integer programming (IP) model along with some valid inequalities and preprocessing rules. Also, we develop an effective heuristic procedure that solves two sub-problems induced from the original problem in repetition. Computational results show that the proposed heuristic procedure finds a feasible solution of good quality within reasonable computation time. Also, the lower bound by-produced from the heuristic procedure is quite strong.

• 한국전자거래학회지
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• 제19권4호
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• pp.119-134
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• 2014

금융회사는 인터넷뱅킹, 스마트폰뱅킹 등 비대면 서비스를 위해 다양한 사용자 단말 환경을 통해 전자금융거래 서비스를 제공하고 있다. 그러나, 이러한 서비스는 기본적으로 사용자의 보안인식 및 기술적 대응의 한계로 인한 금전사고가 빈번하게 발생하고 있어 금융 감독 당국으로부터 보다 근본적인 보호대책이 요구되고 있다. 이에 따라, 금융권에서는 전자금융거래에서 발생하는 금전사고를 예방하기 위해 사용자의 전자정보, 접속정보, 거래내용 등을 종합적으로 분석하고 탐지하여 이상 금융거래를 차단하는 금융보안연구원에서 제시한 "이상 금융거래 탐지시스템 구축 가이드"에 따른 시스템을 구축하거나 계획하고 있다. 본 논문에서는 금융회사에 구축되어 운영 중인 이상 금융거래 탐지 및 차단시스템의 구축사례와 운영현황을 살펴보고, 좀 더 개선된 방식의 시스템을 구성하여 분석을 통한 사고예방의 효과성과 이후 보안대책에 대한 개선방안을 제안하고자 한다.

• Journal of Korea Trade
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• 제26권4호
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• pp.63-82
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• 2022

Purpose - Drawing on relational institutional theory, we explored how demographic similarity between board members of a firm and newly emerged political elites led to firms' increased financial resource acquisition such as leverage ratio and decreased export intensity amidst the Asian financial crisis. We also studied how a firm's leverage ratio and export intensity can further affect firm profitability and financial credit rating. Design/methodology - We revisited and explored a unique, unprecedented crisis that affected most Korean firms: the Asian financial crisis that coincided with a governmental shift from a conservative to a liberal party. We collected demographic information from 432 listed Korean firms' board members and 43 political elites of the Blue House from 1998-2000 to create a demographic similarity measurement. We collected firms' financial information, built panel data, and used ordinary least squares regression to test our theory. Findings - Our results showed that demographic similarity between a firm's directors and newly emerged politicians had a positive association with a firm's leverage ratio but a negative association with a firm's export intensity. A firm's leverage ratio had a negative relationship with firm performance measured by firm profitability and financial credit rating. A firm's export intensity showed a positive effect on firm performance. Originality/value - We highlighted that during an economic crisis that coincided with a governmental shift and change of leading political actors, firms exerted efforts to survey the environment and build new external stakeholder relationships to cope with the changing landscape. We proposed that in an emerging market like Korea where low levels of trust and favoritism are prevalent across society, one of the relational institutional strategies that firms can employ is the selection of directors with similar demographic characteristics to political elites based on factors including birthplace and school affiliations. We examined the efforts of firms to build political networks with newly empowered political elites during a financial crisis, and the consequences of establishing such networks. We highlighted that during a financial crisis, the demographic similarity between a firm's board members and newly emerged politicians can provide firms with access to financial resources but can also result in poor management and reduced effort to enhance its international competitiveness.

• 한국임상약학회지
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• 제28권2호
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• pp.124-130
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• 2018

Objective: This study examined the Risk Sharing Agreement (RSA) on pharmaceutical pricing system in Korean national health insurance. Through RSA, the insurer was able to maintain the principles in the price listing process while managing the budget effectively and improving patient access to new drugs. Despite these positive effects, there are still issues raised by some stakeholders, such as lack of transparency in the listing process and doubts about its effectiveness. Therefore, we investigated the impacts of RSA on national health insurance financing and patient access to analyze the effects of RSA. Methods: The impact of RSA was investigated by analyzing the health insurance claims data for 2014~2016. The degree of improvement in patient access was determined by the decreased amount of patients' payment. Results: Results showed that the financial impact of RSA was not significant and patients' access to the new drug greatly improved. Conclusion: These results show that RSA is a good system for improving patient access to new drugs without additional expense on insurance.

• 대한장애인치과학회지
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• 제15권1호
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• pp.14-22
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• 2019

The aim of this study was to determine the factors contributing to the barrier of dental treatment for special needs patients perceived by the main caregivers of the patients. A questionnaire was developed with three parts: patient-related factors, caregiver-related factors, and factors for treatment barriers. Patient- and caregiver-related factors were analyzed for correlations with the barrier factors. Fisher's exact test and Chi-square test were used at the level of 0.05. A total of 52 caregivers (mean age [SD]=50.2 [11.5] years) for the patients with intellectual and cognitive disabilities (mean age [SD]=38.9 [21.3]) responded to the questionnaires. Oral hygiene status, need for assistance in tooth brushing, and cooperation for tooth brushing were correlated with the level of treatment cooperation of the patients (p<0.05). The above three factors were also correlated with the treatment barrier despite patients presenting oral symptoms (p<0.05). Two thirds of the caregivers felt the treatment cost as severe or a considerable financial burden. For patients, insurance types and need for assistance in tooth brushing, and for caregivers, education levels and financial status were significant factors contributing to financial burden (p<0.05). There were background factors of the patients and their caregivers associated with access to dental treatment for special needs patients. Deficient cooperative skills and financial burdens were the main obstacles to treatment access. Tooth brushing skills and oral hygiene status can be proxy measures to cooperative ability for dental treatment.

• 정보보호학회논문지
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• 제33권5호
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• pp.813-826
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• 2023

조직 구성원들은 업무 시간에 사적인 목적으로 인터넷을 종종 사용하는데, 이것을 사이버로핑(cyberloafing)이라고 한다. 특정 사이버로핑(예를 들어, 웹하드, 성인 및 도박 사이트 접속)은 악성코드 감염으로 이어질 수 있기 때문에 조직의 정보보호 리스크를 증가시킬 수 있는데, 이것은 궁극적으로 조직에 상당한 피해를 줄 수 있다. 따라서, 정보보호 측면에서, 사이버로핑의 영향을 살펴보는 것은 조직 입장에서 매우 중요하다. 국내 금융기관 직원 680명의 인터넷 필터링 시스템 로그정보 118,942건을 분석한 결과, 조직 구성원이 블랙리스트 사이트에 접속할수록 악성코드 감염 가능성이 높아지는 것으로 나타났다. 즉, 조직 구성원의 사이버로핑은 조직의 정보보호 리스크를 증가시킨다. 따라서, 조직은 조직 구성원의 인터넷 사용을 적절한 방식으로 모니터링하고 통제할 필요가 있다.

• 한국정보시스템학회지:정보시스템연구
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• 제15권4호
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• pp.247-268
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• 2006

We introduce about XBRL, eXtensible Business Reporting Language, which is widely accepted as the international standard language for business financial reporting. XBRL is a language for the electronic communication of business and financial data which is revolutionizing business reporting around the world. It provides major benefits in the preparation, analysis and communication of business information. It offers cost savings, greater efficiency and improved accuracy and reliability to all those involved in supplying or using financial data. XBRL is a kind of XML application based on the open Internet technologies. We propose a framework for enterprise information supply chain using XBRL Web services. A Web service is defined as a software system based on XML and designed to support interoperable machine-to-machine interaction over a network by the W3C. Web services are frequently just application programming interfaces (API) that can be accessed over a network, such as the internet and executed on a remote system hosting the requested services. An XBRL Web service-based enterprise information supply chain enables for companies to implement seamless information supply chains from businesses to financial institutions, to supervisory authorities, and to other stake holders for real time information access. And thereby it is expected to contribute to the increase in the value of companies due to the enhanced visibility and transparency of accounting and management.

• 산경연구논집
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• 제5권4호
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• pp.23-29
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• 2014

Purpose - This thesis aims to propose a method to help financial institutions improve their customers' convenience online and offline through a Bluetooth based App using the tool of a beacon. The emergence of smartphones in the 21st century and their increasing use makes it possible to search for information easily. Research design, data, and methodology - With the short-distance Bluetooth technology for smartphones, which finds users within a radius of 50m to provide the functions of message transmission and mobile payment, users can access information services and use mobile coupons in certain premises. Thus, beacon-based O2O technology has been developed. Results - This study offers a method of attracting customers through an O2O marketing strategy that overcomes the existing limitations of Web and Offline media. Conclusions -Since beacon technology has the advantage of more accurate positioning than GPS, financial institutions provide their product information for users through the basic function of a beacon, using an O2O (Online to Offline) marketing solution and, therefore, effectively enable customers to make relevant payments online and conduct their financial actions offline.