• Title/Summary/Keyword: Financial Literacy

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Fintech Users' Information Privacy Concerns and User Resistance: Investigating the Interaction Effect with Regulatory Focus (핀테크 사용에 대한 정보프라이버시 염려와 이용자 저항에 대한 연구: 조절초점성향과의 상호작용 효과 고찰)

  • Lee, Ae Ri;Ahn, Hyo Young
    • Journal of the Korea Institute of Information Security & Cryptology
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    • v.26 no.1
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    • pp.209-226
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    • 2016
  • Recently, there is a growing interest in Fintech which is a business based on using IT to provide financial services. At the early stage of diffusion of Fintech, one of the issues raised is the concern for information security. This study examines actual users' information privacy concern and user resistance to Fintech services. We also investigates the effects of social influence and mobile Internet literacy on information privacy concern and user resistance. In particular, this research verifies the interaction effect between regulatory focus and information privacy concern to influence user resistance. Based on the findings, the results of this study provide strategic implications for firms which attempt to reduce user resistance to Fintech services and proliferate Fintech usage.

Investor Sentiment Timing Ability of Mutual Fund Managers: A Comparative Study and Some Extensions

  • CHUNHACHINDA, Pornchai;WATTANATORN, Woraphon;PADUNGSAKSAWASDI, Chaiyuth
    • Journal of Distribution Science
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    • v.20 no.9
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    • pp.83-95
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    • 2022
  • Purpose: This study aims to explore an ability to time market-wide investor sentiment of mutual fund managers in an emerging market. Research design, data, and methodology: Based on data of Thai mutual fund market over the period of 2000-2019, our sample includes 283 equity funds, consisting of 204 bank-related funds and 79 nonbank-related funds. We perform our regression analyses at the aggregate and portfolio levels. Results: Under the non-normal distribution of return, we find different behaviors between the best- and worst-performing funds in an ability to time market-wide investor sentiment in Thailand, which is dissimilar to the findings in the U.S. Bottom fund managers act as sentiment hedgers, who decrease (increase) an exposure of investment portfolios when the investor sentiment is high (low). Oppositely, top fund managers are likely to chase investor sentiment. Conclusion: We find that only the worst-performing fund managers, especially for bank-related funds are able to time the market-wide investor sentiment. An advantage of gaining information from their bank's clients is a key success. A competition in the mutual fund industry, an ability to predict fundamentals, and financial literacy are possible reasons to explain the main findings found in this study.

Librarians' Experiences of Facilitating Makerspace in Public Libraries (공공도서관 메이커스페이스 담당자의 운영 경험 연구)

  • Kim, Soojung;Lee, Jongwook;Oh, Sanghee
    • Journal of Korean Library and Information Science Society
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    • v.50 no.4
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    • pp.249-272
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    • 2019
  • This study aims to investigate the experiences of librarians/staff members who are responsible for facilitating makerspaces in public libraries, including their works and core competencies, their needs and experiences of training, and future plans in makerspaces. To do that, we carried out semi-structured interviews with 11 librarians/staff members and 1 library director from 7 public library makerspaces. Findings show that the participants received financial supports from the government agencies or/and relied on their library budget to run makerspaces. They identified competencies such as technology literacy, domain knowledge, teaching/programming, willingness to learn and curiosity, communication skills, leadership, and design-thinking. They have future plans for expanding spaces, purchasing equipments, program development, and so on. We believe findings could be useful for those who currently manage or plan to implement a public library makerspace by understanding practical issues and training needs in makerspaces.

Related factors to dental care utilization and oral health status in immigrant workers in Korea (외국인 이주노동자의 구강건강수준과 치과 의료이용 관련요인)

  • Nam, In-Suk;Lee, Kyeong-Soo;Jang, Eun-Jin
    • Journal of Korean society of Dental Hygiene
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    • v.15 no.1
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    • pp.19-29
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    • 2015
  • Objectives: The purpose of the study is to investigate the related factors to dental care utilization, oral health behaviors, and oral health status in immigrant workers in Korea. Methods: The subjects were 504 foreign immigrant male workers over 20 years old who visited Daegu labor consultation center for oral health survey and oral examination. The questionnaire included 5 questions of socioeconomic characteristics, 8 questions of oral health practice behavior, 6 questions of dental clinic visit, 8 questions of social relations and Korean language proficiency. The question for health behavior was measure by body mass index(BMI). Social relations and Korean language proficiency instrument was modified by Seol from "Family welfare survey in Korean international marriage" and scored by Liker 5 scale. Results: The oral health examination of the immigrant workers was as follows: decayed teeth - 76.6%, filling teeth - 27.4%, missing teeth - 69.8%, dental caries experience above five or more - 60.2%, periodontal pocket tissues - 58.9%. Simplified Oral Hygiene Index was very poor and accounted for 49.0%. Dental care utilization experience was closely associated with social relation indexes including attendance in family events, household stuff help, financial help and counseling for hard work(p<0.01). Dental care utilization experience proportionally increased with proficiency in Korean literacy including speaking, listening, and writing abilities of Korean language(p<0.01). Conclusions: In order to improve the oral health condition of the immigrant workers, it is important to provide social network, Korean language proficiency support, and health insurance coverage through economic burden reduction by the Korean government.

Cancer News Coverage in Korean Newspapers: An Analytic Study in Terms of Cancer Awareness

  • Min, Hye Sook;Yun, E Hwa;Park, Jinsil;Kim, Young Ae
    • Journal of Preventive Medicine and Public Health
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    • v.53 no.2
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    • pp.126-134
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    • 2020
  • Objectives: Cancer diagnoses have a tremendous impact on individuals and communities, drawing intense public concern. The objective of the current research was to examine news coverage and content related to cancer-related issues in Korean newspapers. Methods: Primarily using the database system of the Korea Press Foundation, we conducted a content analysis of 2806 articles from 9 Korean daily newspapers during a recent 3-year period from 2015 to 2017. Thematic categories, the types of articles, attitudes and tone, and the number of sources in each article were coded and classified. Results: Many news articles dealt with a diverse range of themes related to cancer, including general healthcare information, the latest research and development, specific medical institutions and personnel, and technology and products, which jointly accounted for 74.8% of all articles. Those thematic categories differed markedly in terms of article type, tone, and the number of cited sources. News articles provided extensive information about healthcare resources, and many articles seemed to contain advertising content. However, the content related to complex social issues such as National Health Insurance did not include enough information for the reader to contextualize the issues properly or present the issues systematically. Conclusions: It can be assumed that the media exert differential influence on individuals through news coverage. Within the present reporting framework, the availability and usefulness of information are likely to depend solely on individuals' capabilities, such as financial and health literacy; this dependency has a negative impact on knowledge gaps and health inequities.

Economics During Global Recession: Sharia-Economics as a Post COVID-19 Agenda

  • ARFAH, Aryati;OLILINGO, Fahruddin Zain;SYAIFUDDIN, S.;DAHLIAH, D.;NURMIATI, N.;PUTRA, Aditya Halim Perdana Kusuma
    • The Journal of Asian Finance, Economics and Business
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    • v.7 no.11
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    • pp.1077-1085
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    • 2020
  • This research is a literacy study regarding the implementation and management of the economic role of haria as a new strategy in overcoming the problem of the global financial crisis that has hit the middle of the COVID-19 pandemic. The research method comes from previous studies to compare the capitalist, socialist, and sharia economic systems. In response to various economic uncertainties, both internal and external, the ability to seize opportunities and transform has become the key to economic resilience. Islamic economics can be an alternative in responding to the dynamics of the global and national economy. Several things need to be taken into consideration in fulfilling the sharia economy and the primary strategy chosen must come from the inputs given by the stakeholders, including business actors, associations, regulators as well as experts, and academicians. The primary strategy in implementing the sharia economy also requires the support of various parties in order to develop sustainability. Strengthening regulation and governance is one of the fundamental factors. Optimization of the sharia economy based social sector such as Zakat, Infaq, Sadaqah, and Waqaf can be optimized both for collection and distribution so that the concept of sharing can certainly support the development and the economy both nationally and globally.

Study on analysis of the Corporate requirements and CPND Value chain for e-book Market Activation (전자책 시장 활성화를 위한 기업 요구사항과 CPND 가치사슬 분석)

  • Na, Yun-Bin;Yu, Jong-Sun;Lee, Seoung-Ha
    • Journal of Digital Convergence
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    • v.14 no.4
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    • pp.163-171
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    • 2016
  • This study derived the policy implications and market strategies by analysis the e-book companies requirements & the CPND value chain structure, in order to revitalize the e-book market in Korea. Specifically, we examined the prospect of e-book market in Korea, current situations of production and distribution, awareness of service utilization and requirements for support policy with targets of 30 companies. As a research, the most needed item for e-book companies is 'PR and marketing support to enter and open the markets'(27%), which is the highest. 'Financial support such as labor costs and business expenses', 'support for retraining personnel to develop the expertise in respective fields' are followed and they account for 22%. Currently, the most effective support item is the external support program(35%) and funding power(30%) is followed. Unlike a paper book market, e-book is turned into a platform business in terms of the value chain. Based on these research content, e-book market activation and corporate competitive strategy was derived as follows : 1)literacy reinforcement about SNS marketing and e-pub3 authoring tool. 2)statistical DB construction of retail sales channels. 3)diversification of the billing system. 4)The quality of the e-book content certification.

The Reinterpretation of Comic-Animation by Content Users - The Reproductions in Korean Cosplay Culture (콘텐츠 유저에 의한 만화-애니메이션의 재해석에 관한 연구 - 한국 코스프레 문화에서의 재생산)

  • Yoon, Wn-Ho
    • Cartoon and Animation Studies
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    • s.41
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    • pp.487-510
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    • 2015
  • In recently, thanks to the development of computer and internet, and reinforcement of digital media literacy of ordinary people, many users of comics and animations recombine contents into various ways, including UCCs. In a glance, it seems these outputs violates the copyrights of contents. But in reality, they helps the growth of the ecosystem of contents market, with increase of contents users. The reason of these reproductions inclines the characteristics of animation media. Animation, which are constituted by plastic symbols, auditory symbols, and narrative symbols, and Comic, which supports stories of Animations, affects as 'Imaginary signifier'. These signifiers helps users of contents to dismantle and reassemble stories. These aspects are seen in doujin culture, animation soundtrack fandom, and voice actor fandom. But In this article, we will concentrate into cosplay culture. Cosplay culture shows more active appearances than another fandoms. In especially, cosplay stage and daily cafe show more active reproductions of characters and communications. However, they are done by youth fans, which has not enough financial abilities: therefore, events are not sustainable and discontinued. And they have another limits, like lack of opportunity of performance. In the reality of Korean society, which needs of community making by community member, and hybrid culture, comics and animation productions in Korea are in need of access positively and encourage reproductions of active receivers of animations.

A Study on the Factors Affecting the Intention of Chinese Users to Discriminate Against Fake News on Social Media - Focusing on attitude, social capital, and risk detection - (중국 이용자 소셜미디어 가짜뉴스 판별의도에 미치는 요인에 관한 연구 -태도, 사회자본, 위험감지를 중심으로-)

  • Tan, KeHong;Lee, Hwa Haeng
    • The Journal of the Korea Contents Association
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    • v.22 no.4
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    • pp.337-351
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    • 2022
  • With the full spread and rapid development of social media, the trend of decentralization of social media information propagation is becoming clearer day by day, and the segmentation of time by audiences using social media information is clearly progressing. Therefore, this study aims to study the influence relationship between social media attitudes toward fake news, social capital, risk perception, and discriminant intentions based on existing studies. Accordingly, the research model presented related research questions and organized a questionnaire to collect a total of 500 valid surveys. The SPSS 26.0 program and the AMOS 24.0 program were used to analyze the data. The research results are as follows. First, the more positive the user's attitude towards the fake news identification intention of social media, the more they want to use various methods or tools to identify the authenticity of online information. Second, the more positive the user's attitude towards social media fake news, the more aware of the potential threats social media fake news poses to their own physical, psychological, financial and so on. At the same time, by raising one's own awareness of the dangers, counterintelligence intentions against fake news on social media will also increase. Third, the richer the social capital the user has, the stronger the information literacy, and therefore the stronger the identification intention of social media fake news. Fourth, the higher the value of social capital Chinese users have, the greater the damage they have suffered from fake news, and the higher the risk awareness of fake news to protect their interests. Fifth, it means that Chinese users recognized information suspected of social media and took corresponding measures.

Understanding Factors Associated with Unmet Need for Outreach Community Health Service among Older Adults in Seoul (노인 방문건강관리 서비스 미충족 영향요인: 서울시 찾아가는 동주민센터 사업을 중심으로)

  • Shon, Changwoo;Lee, Seungjae;Hwang, Jongnam
    • 한국노년학
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    • v.39 no.2
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    • pp.213-229
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    • 2019
  • The purpose of this study was to examine various factors influencing the needs of Seoul's newly implemented outreach community services for older adults, and to suggest the direction of the outreach community health services in Seoul. A multi-level regression was conducted using data collected by face-to-face interviews from 1,000 individuals aged 65 and 70 in 17 districts, where participated in the Seoul's outreach community services. The results demonstrated that socioeconomic status (higher income and living alone), health status (having multiple chronic conditions and depression, lower health literacy), limited experience of the outreach community services, and low government trust at the individual level were associated with higher unmet need for the community outreach services. In addition, shorter participation period of the outreach services and financial independency at the district level were associated with higher unmet need for the services. The findings from this study implies the need for improving the quality of services by focusing on vulnerable groups such as individuals with lower income and worse health status. In addition, the outreach community health services may need to target individuals aged 66 to increasing efficiency of the services through utilizing results of life-cycle health checkup by the National Health Insurance Corporation.