• The Journal of Asian Finance, Economics and Business
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• 제8권12호
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• pp.509-518
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• 2021

Amid the Covid pandemic surge last year, customers and businesses started embracing digital transactions. Digital banking, as an answer to the cash-less-contact-less way of doing financial transactions, was highly convenient during the pandemic, especially in the Philippines. This position examines the Gen Y and Gen Z in the Philippine case and its willingness to encourage digitalization of the financial sector. This study aimed at evaluating the intention to use digital banking services using the factors (1) ease of use; (2) perceived usefulness; (3) perceived risk; (4) trust; (5) convenience. A total of 226 respondents were selected by random sampling method and linear regression was used to analyse the collected data. Analysis of the results show that the components (1) perceived ease of use; (2) perceived usefulness; (3) perceived risk; (4) trust; (5) convenience had a significant effect on intention to use digital banking while the demographics - gender, age, monthly income, and educational attainment do not have any significance on the intention to use digital banking. The relevance of the study can be used for marketing and financial strategies to increase the intention to use digital banking and to contribute to the enhancement of technology acceptance concerning digital banking.

• 산업경영시스템학회지
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• 제43권1호
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• pp.50-60
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• 2020

The omni-channel customer system is the communication system between enterprise and customer via multiple channels such as mail, email, SMS, and mobile. The omni-channel customer system complements each other channel through the integration of each channel. The purpose of this research is to derive key factors and calculate the weights that a financial enterprise considers when adopting the omni-channel customer system. For this research, we analyzed the request for proposal documents used for the omni-channel customer system implementation projects in the financial enterprise. Also, we derived, classified, and stratified the key factors to be considered for the introduction of the omni-channel customer system in the financial enterprise. As a result of analyzing the key factors, customer experience, operations, and security were identified as the components of the top category in introducing the omni-channel customer system in the financial sector. Furthermore, the weight for each key factor was calculated by using ANP. As a result of ANP, operations, customer experience, and security were important in order. Also, the degree of easiness for connecting with other systems and the various abilities for representing the contents of the omni-channels were derived as the important key factors.

• 산업경영시스템학회지
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• 제35권1호
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• pp.93-100
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• 2012

The purpose of this study is to present the green management requisites effect on corporate performance. Corporate performance consists of customer and green performance, work satisfaction and financial performance. In order to carry out this research we obtained 175 survey sheets, inspect the twelve assumptions focused on reliability, appropriateness of the model. Validation results of hypothesis are summarized as follows. First, the green management components : system, resource/energy affect significantly to the customer and green performance. Second, the green management components : system, resource/energy influence significantly to work satisfaction. Finally, the strategy has on effect to the financial performance. This paper shows that the green management requisites have an effect on the corporate performance directly and significantly.

• International Journal of Computer Science & Network Security
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• 제22권7호
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• pp.109-116
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• 2022

The article is devoted to perfecting the system of management of the financial potential of transport enterprises. It is established that transport as an integral part of the state economy has to organically enter the market economy and provide sustainable transport services to national economy enterprises regardless of ownership, as well as ensure passenger transportation. It is also determined that in the conditions of market relations, transport highways must perform their functions with sufficient economic benefit to keep their material and technical resources in good order, conduct an investment policy with extensive use of scientific and technological progress, as well as a social policy guaranteeing the conditions for employees' motivated work. The study reveals an association between the financial and strategic goals of transport enterprises and the minimization of their economic risks, the prevention of bankruptcy and profit margin shortfalls. It is found that transport enterprises need to strive for the overall improvement of their financial potential through increasing the components of financial potential and assessing the impact of risk factors on them: the capacity of fixed assets, the capacity of financial resources, the capacity of services, and the capacity of credit opportunities. These are the elements of transport enterprises' financial potential that ensure its desired level. It is demonstrated that of critical importance in managing the financial potential of a transport enterprise is the role of financial resources, as a subject cannot reach the desired strategic goals without them.

• 대한가정학회지
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• 제41권9호
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• pp.105-120
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• 2003

This study has conducted to develop the computer program for households portfolio management to enhance their financial well-being. The study has divided into two parts. First, descriptive statistics has used to analyze as a basis of computer program and it includes the comparison of household asset allocations between households in Korea and U. S. A., Second, it shows the components of the portfolio program developed to manage households efficiently. For both two countries, recent four years data has been used and in part two, total sample size of households in Korea is 2155. From the statistical analysis, households in U. S. A. tend to invest more on the stock & bonds as their net-asset is increased. However households in Korea tend to have less financial assets and it might be found the fact that they prefer to own real-estate because of the inflation. In the part of computer program, it is included the average financial asset responding to the demographic variables and households could refer those average amount as a reference planning their asset portfolio.

• International Journal of Quality Innovation
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• 제7권3호
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• pp.1-14
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• 2006

Economic value added (EVA) is introduced on two levels: as index for evaluation of corporation and as index for evaluation of business unit. In the latter case, application of one and the same cost of capital to all business units of a business corporation may be possible, but it is a fundamental policy for EVA to apply different cost of capital to business units with different risks. Estimate of cost of capital of business units is a problem to be resolved. The author, focusing on the question of the estimate of cost of capital of business units, has conducted a demonstrative study on risk structure of cost of capital estimates by using financial indices of Japanese manufacturers (37 automotive industries, 141 electrical and electronic machinery industries, 63 food processing industries, 98 chemical industries, 125 general machinery industries) for a period of 5 years from 1995 to 1999. The author presumes that $\beta$ is explained by a regression formula ${\beta}=B_0+{\Sigma}B_iY_i+{\alpha}$ ($Y_i$: financial indices) and selects 40 explanatory variables from financial statements as risk components. Using their financial indices, the author concludes through a series of statistical analyses that there is a good likelihood of estimating cost of capital for Japanese industries and is convinced that it will lead to more reliable and practical results by assigning averages and variances to 40 primary financial indices for a period of 3 to 5 years selected in this demonstrative study.

• The Journal of Asian Finance, Economics and Business
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• 제7권11호
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• pp.827-834
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• 2020

The use of different proxies to measure good corporate governance (GCG) may be a probable cause of the mixed results. Therefore, the application of a new single measure to enhance comparable empirical studies is required. The purpose of this study is to examine the relationship between corporate governance and firm's performance. This study involved all manufacturing companies listed on the Indonesia Stock Exchange (IDX) from 2014 to 2016 through purposive sampling with specific criteria. out of 144 qualified companies, 110 companies could be processed because of completed data in the form of financial information from their financial statements during the research period. The data were obtained from the official websites of IDX. This study applies a new measure of the corporate governance: the efficiency of the GCG. The corporate governance is calculated by relating inputs of components of the corporate governance and outputs of sales, assets and firm equity capital. By using financial data from firms listed on the Indonesian Capital Market, this study finds that the corporate governance significantly improved firm's performance. More importantly, the study confirms and supports the new single measure of the GCG. This result is very important to avoid dealing with different indicators of the corporate governance.

• The Journal of Asian Finance, Economics and Business
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• 제9권10호
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• pp.147-158
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• 2022

This study examines the relationship between employee engagement and goal orientation toward competence. In addition, it also examines the relationship between competence and employee performance in financial institutions in Indonesia. Questionnaires were distributed to several employees who work at financial institutions in Aceh, North Sumatra, and Riau. The basis for selecting the research object was that most financial institutions have similar business products. The similarities are the marketing of home loan ownership products and multipurpose investments. The three study regions are located in western Indonesia's most central provinces and have a significant amount of trade. The sampling technique used was purposive sampling based on specific criteria for the respondents. 275 employees made up the research sample, and partial least squares data analysis methods were applied. In data analysis, initial testing was carried out on the components of the research statement items to see their validity and reliability. The results of this study indicate that employee engagement behavior can improve employee performance, which improves financial institutions' organizational performance. The study's findings offer suggestions for policies and guidelines that will encourage productive work behavior among employees and boost organizational performance. The fact that employees must think and act creatively to develop their competence and become superior employees is another distinctive feature of this research.

• 한국산학기술학회논문지
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• 제21권5호
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• pp.179-190
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• 2020

본 연구의 주제는 국내 자본시장에서 기업의 연구개발비 비중에 영향을 줄 수 있는 재무적 결정요인들을 심층적으로 분석하고자 하는 것이다. 최근까지 다른 국가들에서 정기적으로 수입하여 왔던 국내 기업들의 핵심 소재와 부품들에 대한 부족 현상이 지속되고 있는 상황 속에서, 해당 핵심소재들의 자급을 위한 국내 연구개발비 투자와 관련된 추가 연구에 더 많은 관심을 기울이는 것은 이론적 그리고 실무적 측면에서 더욱 중요하다고 판단된다. 연구개발비 투자 확대를 위한 정부와 기업들의 정책을 기준으로, 국제금융위기 이후 코스닥 상장기업들의 연구개발비 비중의 결정요인들 분석하기 위하여, 3가지의 가설들이 본 논문에서는 검정되었다. 분위회기모형을 응용한 첫번째 가설 검정 결과, 총 설명변수들 중, 전년도의 연구개발 비중(Lag_RD), 비선형성을 검정을 위한 Lag_RD의 제곱 항, 그리고 하이텍 기술군과 Lag_Rd 간의 교호작용 등이 연구개발비 비중에 유의한 영향을 보였다. 두번째 가설에서 총 설명 변수들 중 과반수 이상의 재무변수들이 연구재발비 비중이 높은 기업군과 낮은 기업군을 통계적으로 구분하는 요인들로 판명되었으다. 본 연구의 결과들은 향후 기업의 연구개발비의 적정 수준을 측정하기 위한 재무적 결정요인으로서 활용되어, 주주의 측면에서 기업가치의 극대화에 기여할 수 있을 것으로 기대된다.

• 한국콘텐츠학회논문지
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• 제16권2호
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• pp.729-739
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• 2016

본 연구의 주된 수행 동기는 국내,외 기업재무 분야에서 현재 학문적 관심이 점증되고 있는 현금유보 수준의 결정요인에 대한 기존의 유사주제 연구들에 대한 추가적인 실증분석이다. 연구설정 기준과 관련하여, 국제금융위기 이후의 표본기간 (2009-2013)과 국내 재벌기업들의 표본을 대상으로 구도화되었으며, 본문에 설명되었듯이 2가지의 주요가설들이 검정되었다. 첫 번째 가설 검정에서는 조건부 분위회기모형을 응용한, 현금유동성 분위 (계층) 수준별 유의성있는 재무변수들을 계량적으로 측정하는 것이었으며, 두 번째 검정에서는 다중로지스틱 모형을 활용한 국제금융위기 이후 기업들의 현금 유동성 수준 증감과 관련된 비교그룹들 상호 간에 대한 비교연구가 수행되었다, 결과적으로, 전자에서는 유동성, 대리인비용, 그리고 현금전환기간과 관련된 변수들이 유의성있는 재무변수로서 판명되었으며, 후자에서는 현금보유 수준의 변화가 상대적으로 큰 재벌계열사들이, 비교그룹 (즉, 기준그룹)에 속하는 계열사들 보다 유동성, 기업규모, 그리고 배당수익률 등의 측면에서 유의성 있는 통계적 차별성을 보이는 것으로 판명되었다.