• The Journal of Asian Finance, Economics and Business
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• v.9 no.9
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• pp.205-216
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• 2022

This study investigates the effect of serv-qual and reputation on customer loyalty through the trust of deposit customers in Micro Finance Institutions. The population was deposit customers at BMT distributed into 5 provinces of the Special Region of Yogyakarta, and a survey was conducted from January 2021 to February 2022. The probability random sampling technique was used to select the final sample, and a total of 221 responses were collected using a questionnaire. Technical data analysis was done using the Structural Equation Modeling (SEM), supported by AMOS 22.0 program. The results showed that serv-qual and reputation have a positive and significant impact on the trust and loyalty of deposit customers at BMT. Customers positively and significantly impact the relationship between serv-qual and reputation on customer loyalty. The biggest contribution to loyalty was generated by the variable customer trust (0.399), followed by service quality (0.359) and reputation (0.166). Micro Finance Institution needs to improve the management of deposit customers by improving serv-qual, reputation, and customer trust and conduct comparative research between conventional financial institutions and other informal financial service institutions.

• Iberoamérica
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• v.23 no.2
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• pp.243-271
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• 2021

The influence of international organisms in education has already been documented by research; nevertheless it is necessary to study and deep in the different mechanisms used to direct the education policies in Latin America. At this point, this study describes and analyzes this phenomenon based in a review of the annual informs of the Interamerican Development Bank (IDB) and the research realized by this financial instrument in the last decade. The article presents three parts: the first one, analyses the importance of the United States in the IDB's financial policy; the second one, describes the Bank loans to educational polities; and the third one, identifies the mechanisms uses this financial institution to intervene in education policies. Finally the article presents some conclusions.

• Asian Journal of Business Environment
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• v.8 no.2
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• pp.5-13
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• 2018

Purpose - The aim of this study is to investigate the problems, challenges, opportunities and future prospects of Islamic banking and finance in the UK. However, this study brings forward into 3 main purposes. Firstly, to explore the development of financial institutions, products and regulatory reforms. Secondly, to find out the performance of Islamic banking institutions. Lastly, to identify the problems, challenges and Islamic banking future prospects. Research design, data, and methodology - An in-depth literature review was carried out to fulfil the research objectives. Results - The findings point out the basic problems of Islamic banking industry in UK such as unfavorable regulatory environment, unfamiliarity with the Islamic Banking System, lack of portfolio management, absence of liquidity instruments, in need of professional bankers, and blending of approach of Islamic scholars with the approach of the conventional bankers. The findings also indicate that there are greater opportunities in the UK for development and growth of Islamic financial system because Muslim community is eager to take financial products. Conclusions - It is hoped that issues pertaining to Islamic banking products can be resolved through consensus of Shariah scholars. There is need to educate the Muslim community about Islamic financial products and service.

• Proceedings of the Korean Institute of Information and Commucation Sciences Conference
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• 2015.05a
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• pp.699-702
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• 2015

Financial information systems play such a pivotal role in the financial institution services that are provided for a large customers on the basis of various information including the personal information. As for the personal information collected during the transactions in the financial information systems, huge efforts and investment have been made to protect previously them from being inappropriately misused or illegally used if they could be released. Unfortunately, the frequent accidents on the leakage of sensitive personal information have occurred recently not only by external service users but even by internal system users. Therefore, the aim of this study is to suggest a model of advanced two-channel authentication for internal users in order to increase the stability of financial information systems with enhanced security.

• KSII Transactions on Internet and Information Systems (TIIS)
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• v.11 no.2
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• pp.1105-1117
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• 2017

Financial technology, also known as FinTech, is one of the fast growing global businesses in since its inception in 2008. Fintech is a new economic industry, comprised of companies that adopted the latest technologies to provide more efficient financial services than the traditional financial services. Fintech companies are generally small to medium sized startups trying to disintermediate existing financial systems. FinTech companies can be differentiated in several areas, based on its business solutions and target customers. In Korea, the Peer-to-Peer (P2P) lending companies are the most prominent in the FinTech sector. P2P lending is a method of borrowing or lending money to individuals through online services without the use of an official financial institution as an intermediary. The P2P lending companies operate their services entirely online or mobile environment. Consequently, mobile P2P lending application users are dramatically increasing. Thus, it is worth evaluating the acceptance of the mobile apps of the P2P lending companies from a user's perspective. This paper discusses user acceptance of the mobile P2P lending apps, guided by the Technology Acceptance Model. We conclude that the users' acceptance of mobile P2P lending apps are significantly influenced by perceived ease of use, perceived usefulness, and user satisfaction. These in turn influenced their attitude towards using mobile P2P lending apps and intention to use.

• Journal of Information Technology Services
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• v.18 no.4
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• pp.83-95
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• 2019

It is becoming more and more difficult to cope with new knowledge and technology required by society by the efforts of one person or organization according to the development of science and technology. As a method to overcome this, collaborative research is becoming important. This tendency is increasing in the government R&D projects as well, and the 'A' test research institute, which is the subject of this paper, is also increasing a collaborative research. The purpose of this study is to analyze the network characteristics among the participating researchers in the government R&D project conducted by the institution A, and to ascertain how the network characters of the researchers actually affect the financial performance of the team. The results of the analysis show that 'closeness centrality' and 'degree of centrality' contribute positively to the financial performance of the team. On the other hand, 'betweenness centrality' and 'eigenvector centrality' have a negative effect on the financial performance of the team because they are not directly related to financial performance.

• The Journal of Industrial Distribution & Business
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• v.5 no.4
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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.

• International Journal of Computer Science & Network Security
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• v.21 no.12spc
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• pp.611-619
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• 2021

This article is devoted to the study of digital finance development in the global economy. The study aims to show the digital finance development level in different states and its impact on their economic development. In the course of the study, three hypotheses are put forward: 1) increased spending on innovation contributes to the competitiveness of financial services; 2) digital technology makes the financial systems of states more developed; 3) the development of digital finance contributes to the competitiveness at the level of states. Correlation and regression analysis are applied for building the empirical study. The results of the study helped to understand the digital finance concept. It also shows the main stages of digital finance development, the digitalization rank of the countries, the impact of digitalization on the financial and economic sphere. According to the results of empirical analysis, it is confirmed that the countries that invest more in innovative technologies are more developed. Therefore, digitalization has a significant value for the financial system and has a synergistic effect on all areas of the economy.

• International conference on construction engineering and project management
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• 2015.10a
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• pp.683-684
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• 2015

Project Financing (PF) is the long-term financing of infrastructure and industrial projects based upon the projected cash flows of the project rather than the balance sheets of its sponsors. However, the financial institution, the subject of financing in the case of PF in Korea, the lack of validation system of business, rather than to assess the feasibility of the project, requested a credit reinforcement to the construction company, the fact is Construction Company on loans of the employer is the guarantor or debt argument commitments accordingly. As a result, PF contingent liabilities, which are indirect debt, are triggered in the construction company, not included in the financial statements, along with the disclosure standards established according to 2009 PF contingent liabilities, and major can be a management item. In this study, PF contingent liabilities is of Pearson of the index and the PF debt ratio showing the main financial ratios and risk by classifying the credit rating and contractors Ranking of construction companies in order to analyze the impact on the financial condition of the company was performed correlation analyzes, through the Pearson correlation coefficient analysis indicated quantitative or negative relationship to derive the explicit indication.

• Journal of the Korea Institute of Information Security & Cryptology
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• v.28 no.3
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• pp.743-763
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• 2018

It has been 10 years since the concept of cloud system has emerged. Despite the fact that the cost-effectiveness and security of cloud systems has been proven, financial companies are reluctant to adopt cloud systems. Financial institutions are reluctant to adopt the cloud system because of the strong regulation of financial authorities in relation to the leakage of customer information However, more important reason why financial institutions hesitate to introduce cloud systems is the lack of direction and standards for the introduction of cloud systems by financial institutions. This study examines the legal and institutional constraints on the introduction of cloud systems in financial institutions and suggests decision models for determining whether cloud systems can be applied and how cloud systems are configured when financial institutions construct IT systems. We hope that this research will be helpful for establishing direction of cloud system introduction of many financial institutions.