• The Journal of Information Technology
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• v.8 no.3
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• pp.35-49
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• 2005

This study examines that pricing multiple on and incremental explanatory power of equity book value(earnings) increase(decrease) as financial health decrease. Test using a sample of 75 bankrupt firms and test using a cross-sectional, pooled sample both yield inference consistent with predictions. It is thus hypothesized that the more bankrupt time we, the higher(lower) pricing multiple book value of equity(earnings) obtained. Findings are robust to inclusion of for debt/assets ratio, ROA, and ROIC. Overall, the results is the hypothesis.

• Human Ecology Research
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• v.57 no.1
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• pp.1-13
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• 2019

Internet-based financial services are being increasingly integrated into consumers' daily lives. Internet-only banks have emerged as a powerful tool accelerating financial inclusion. This study investigates the satisfaction and continuous use intention predictors for Internet-only banks. We employed an extended post-acceptance model and used six antecedent factors that included perceived usefulness, perceived ease of use, privacy risk, functional risk, subjective norms, and network externality. All 351 participants used Internet-only banks and were 20-40 years of age. A self-administration online survey was conducted. SPSS 23.0 analyzed the frequency, description, and multiple regression analysis. The results of current study are as follows. The education, perceived usefulness, perceived ease of use, and network externality positively influenced the satisfaction of Internet-only banks. Privacy risk negatively influenced satisfaction with Internet-only banks. Perceived ease of use, subjective norm, network externality, and satisfaction positively influenced the continuous use intention of Internet-only banks. The results of our study provide a better explanation of important factors that could enhance the understanding of satisfaction and continuous use intention for Internet-only banks. Furthermore, this study extends the antecedent variables to the knowledge of financial services and enlarges the understanding of users' post-adoption behaviors.

• Journal of Information Technology Services
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• v.22 no.4
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• pp.171-184
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• 2023

FinTech, which has brought innovation to the financial industry thanks to the advancements in ICT since 2010, has contributed to the growth of the financial ecosystem and increased consumer benefits. Furthermore, there has been a growing demand for social responsibility and sustainability in financial institutions, which have a significant impact on governments, businesses, and people's lives. Despite this, many FinTech companies and traditional financial institutions are still in the early stages of establishing ESG (Environmental, Social, and Governance) management philosophy or lack long-term plans. In this study, we aim to examine the impact of ESG management on the FinTech industry, focusing on representative domestic cases, and derive policy and institutional measures to spread it in the financial industry. Specifically, we will adopt MSCI rating indicators, which are internationally accepted by various industries such as manufacturing, healthcare, and transportation, to evaluate the 35 ESG management subcategories of FinTech companies. As a result, a total of 22 compliance items were disclosed in the ESG report, and it was possible to confirm the detailed management. Through this, we intend to propose effective management strategies for the organizational structure, operations, programs, and performance evaluation of FinTech companies, which are positioning themselves as sustainable growth drivers in the domestic industry.

• Journal of Information Technology Applications and Management
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• v.17 no.1
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• pp.11-33
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• 2010

The majority of graphs and visuals made publicly available by Thai listed companies tend to be disjointed and minimal. Only a little over fifty percent of the total 478 companies included graphic representations of their business operations and performance in the form of two or three dimensional spreadsheet based graphs in their annual reports, investor relations documents, websites and so on. For novice users, these visual representations are unlikely to give the big picture of what is the company's financial position and performance. Neither will they tell where the company stands in its own operating environment. The existing graphics and visuals, in very rare cases, can provide a sense of the company's future outlook. For boundary users such as audit committees whose duty is to promote good governance through transparency and disclosure, preliminary interview results show that there is some doubt as to whether the inclusion of big-picture visuals can really be of use to minority shareholders. These boundary users expect to see more insightful visuals beyond those produced by traditional spreadsheets which will enable them to learn to cope with the on-going turbulence in today's business environment more quickly. However, the debate is still going on as to where to draw the line between internal or external reporting visuals.

• Asian Journal of Business Environment
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• v.10 no.3
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• pp.13-22
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• 2020

Purpose: Vietnam's financial sector has grown substantially but microfinance institutions (MFIs) still face up many challenges in providing financial services to underserved customer segments, including small businesses, rural populations, and urban migrants. The recent worldwide explosion of fintech, including in Vietnam, promises to fill this gap. The purpose of this paper is to analyze fintech activities in microfinance sector and recommend for fintech adoption of MFIs in Vietnam. Research Design, Data and Methodology: The paper's data is mainly based on international organizations such as Asia Development Bank (ADB), Food and Agriculture Organization of the United Nations (FAO) and Vietnamese organizations such as Vietnam Microfinance Working Group. The authors suggest new directions for microfinance activities in Vietnam. Results: In recent years, the application of fintech in microfinance sector has brought many good results, such as improving the quality of products and services, easy access to many customer groups, and scaling up the operating model. Conclusion: MFIs in Vietnam have developed new products and services by applying fintech. The application of technology and digital solution has supported MFIs in Vietnam to gradually achieve targeted growth through expanding geographical inclusion/scale, enhancing product supply/provision, helping in-depth customer understanding as well as improving operational efficiency.

• Journal of Distribution Science
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• v.20 no.8
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• pp.69-79
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• 2022

Purpose: In the context of the emergence of industry 4.0, using mobile phones as a modern distribution channel to execute financial services is a significant solution for commercial banks' retail services and a gateway to promote financial inclusion and market development. Despite that service quality and customer satisfaction are two diverse notions and closely related to each other in the service sector, there is hardly a research which empirically examines the impacts of each dimensions of mobile banking service quality and customer satisfaction. Research design, data and methodology: This study first employs in-depth interview to explore various aspects of mobile banking service quality dimensions, including empathy, responsiveness, tangibility, assurance, and reliability that serves to develop measurement scales and hypothesis development. A quantitative survey is followed to collect data from 265 Vietnamese bank customers to empirically test the conceptual model. Resutls: Our findings indicate that more human-related factors including empathy, assurance, and responsiveness show the strongest impacts on customer satisfaction with mobile banking service while tangibility and reliability, as technical aspects, are less influential factors. Conclusions: Finally, some crucial implications are drawn for the banks to manage consumer behavior in mobile banking.

• Asia pacific journal of information systems
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• v.32 no.3
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• pp.630-655
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• 2022

This paper examines the integrated QR code payment service (QRIS) adoption by retailers in Indonesia. Indonesia started its cashless journey in 2017 by using electric money in card form. As the country keeps developing, Indonesia has planned to integrate its payment towards a cross-border payment using QR codes by 2025 in the South East Asian region. Facing government vision, MSMEs that act as the significant economy wheel in Indonesia was required to be prepared to face the multi-cultural, multi-currency, and the new tech innovation for doing transactions. However, as a developing country, Indonesia faced significant problems with its infrastructure, which made it hard for merchants to access digital payment. As infrastructure was a common problem for developing countries, Indonesia also faced financial inclusion, lack of digital knowledge, a high amount of cash use, and socialization that made low digital payment penetration. Therefore, as there was a need to increase digital payment penetration for ASEAN integrated payment, this study found that merchant compatibility, facilitating conditions, trust, and relative advantages are drivers for MSMEs using this payment method. Further, this research provides propositions for banks, financial institutions, and governments to develop and evolve towards a cashless ecosystem, especially for a country lacking infrastructure.

• Quality Improvement in Health Care
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• v.23 no.1
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• pp.69-90
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• 2017

Purpose: The purpose of this study was to analyze the impact of healthcare accreditation and to provide empirical evidence to validate positive effectiveness. Methods:Six electronic databases (KERIS, KoreaMed, NDSL, Ovid-medline, Embase, Cochrane library) were accessed in May 2016. Keywords used were 'accreditation' and 'Joint Commission on Accreditation of Healthcare Organization (JCAHO)'. Of the initially identified 3,008 articles, 60 studies on healthcare accreditation were selected based on inclusion criteria that are hospital accreditation, accreditation by disease and clinical center accreditation. These were retrieved and analyzed. Result: The 60 study results were on the impact of healthcare accreditation. Results were classified into four perspectives of Balanced Score Card (Financial, Customer, Internal Process, Learning & Growth). In internal process perspective, results revealed that healthcare accreditation has made a positive impact on "care process and procedure". In learning & growth perspective, healthcare accreditation has made a positive influence on "leadership", "organizational cultures" and "change mechanisms". However, it revealed that healthcare accreditation does not directly affect financial performance. It is also difficult to reach a definitive conclusion that healthcare accreditation programs affect patient satisfaction of customer and clinical outcome of the internal process. Conclusion: Healthcare accreditation programs provide positive impact on change of care process and building communication-oriented hospital culture. However, more rigorous and diverse research is needed on financial effects and clinical outcomes of healthcare accreditation.

• Proceedings of the KSME Conference
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• 2008.11a
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• pp.1113-1118
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• 2008

In the hot forging process, The forging defects that are caused by metal were strain, temperate, and inclusion. In this paper, the computer simulation analyzed the effective plastic strain and temperature behaviors. The quantitative analyses which proposed the effective mold design of S/CAM shaft was executed. The parameters of forging shape that affected on the optimize conditions that was calculated with simple equation were investigated. it is expected that the developed analysis model and design technique would greatly contribute to the drum brake optimal design considering temperature affected and material behaviors. This development could save more than 20% of production cost and reduced failure rate to more than 30%. By improving the life span of mold from 15,000 to 25,000, financial difficulty of company imposed on a mold manufacture could be overcome.

• International Journal of Computer Science & Network Security
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• v.22 no.5
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• pp.168-174
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• 2022

The article defines the organizational conditions for effective management, the actions of the team to implement the concept of marketing management using the tools of pedagogical and strategic management. Due to this, results are achieved - indicators, since in our study they will be indicators of managerial efficiency: improving the "organization" function through the construction of new organizational structures; improving the functions of "analytical activity and planning" through enriching managerial work with economic and gnostic methods, analytical activities with the mandatory inclusion of financial activities, introspection of all participants, widespread use of licensed automated systems; synthesis of educational, economic, social results.