• Title/Summary/Keyword: Financial service industry

검색결과 362건 처리시간 0.028초

e-BANK에서의 유비쿼터스 센서 컴퓨팅을 이용한 e-CRM 연구 (A Study on e-CRM in e-BANK Using Ubiquitous Sensor Computing)

  • 홍순복;정기호;황종호
    • 한국콘텐츠학회논문지
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    • 제5권6호
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    • pp.351-359
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    • 2005
  • 최근 IT 분야에서 관심사는 유비쿼터스 기술의 도입을 통해 사회, 경제전반의 효율화를 추구하기 위한 연구가 활발하게 진행되고 있다. 이 가운데 본 연구에서는 서비스 분야의 하나인 금융기관의 고객 서비스 지원기술 개발과 관련해서 e-CRM에 신기술 개념인 유비쿼터스 기술 접목을 통해 on-line상에서 진행되어 오던 고객 서비스를 효과적으로 지원하기 위한 기술개발 개념을 제시하고자 한다.

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정보기술(情報技術) 지출(支出)이 조직의 경영성과(經營成果)에 미치는 영향(影響) : 한.미(韓.美) 기업(企業)을 대상으로 한 실증연구(實證硏究) (The Relationship Between Expenditures for Information Technology and Organizational Performance : Empirical Evidence From Korean and American Firms)

  • 김창수
    • Asia pacific journal of information systems
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    • 제7권1호
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    • pp.25-48
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    • 1997
  • This study examines whether expenditures in information technology (IT) are associated with increases in the Tobin's q ratios a measure of organizational performance. It uses two groups of sample, Korean and American firms that disclose IT expenditures. For the all-firms group of each country, the association between IT expenditures and Tobin's q ratios is positive and statistically significant. But the association varies among industries. For Korean firms, IT expenditures appear to increase Tobin's q ratios for the machine and equipment manufacturing industry group (SIC3-2). IT expenditure ratio of this group as a percent of total sales is highest among the industry groups. For all service industry groups(SIC4&5), the estimated coefficient of IT expenditures is positive but statistically insignificant. For American firms IT expenditures in most of the manufacturing industry groups appear to increase only a little, if at all, for the Tobin's q ratios. But IT expenditures appear to have a greater impact on Tobin's q ratios for all service industries (SIC4-7). For three service industries tested (transportation and telecommunication- SIC4, financial- SIC6, consulting and other service industry- SIC7), the estimated coefficient of IT expenditures is positive and statistically significant. The evidence from both Korean and American firms suggests that IT expenditures in service industries provide a greater impact on an organizational performance than ones in manufacturing industry. To test whether service industries use a competitive strategy utilizing IT as a core competence, the samples ore divided into two groups, service and manufacturing industry. For Korean firms, both IT and R&D expenditures in manufacturing industry are associated with increases in Tobin's q ratios. But for service industry, the estimated coefficient of only IT expenditure is positive. For American firms, the estimated coefficients of both IT and advertising and R&D (ARD) expenditures in manufacturing industry are positive but the coefficient of only ARD is statistically significant. For service industry, the estimated coefficient of only IT expenditure is positive and statistically significant. The evidence may suggest that manufacturing industry uses both R&D and IT strategies to increase a competitive advantage but uses R&D strategy as a core competence. However, service industry uses IT strategy as a core competence to increase a competitive advatage.

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종합슈퍼마켓(GSM)에서 서비스품질, 보증 및 서비스가치의 영향요인에 관한 연구 (A Study on the Effects of factor of Service Quality, Service Guarantee and Service Value in General Super Market.)

  • 김종락
    • 유통과학연구
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    • 제13권1호
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    • pp.93-103
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    • 2015
  • Purpose - This study plans to adopt a more sophisticated approach toward service recognition by customers in general supermarkets in order to revise the service quality measurement methods that suit the context of Korean distribution channels. In particular, in general supermarkets, where much of the shopping process is in the form of self-service, there is high reliance on the service recognized by the consumers; therefore, it is highly likely that consumers would make their purchasing decisions based on their recognition of service quality or guarantees. It also utilized service quality elements of a basic level in the KD-SQS development model in order to indicate that the quality recognized by consumers impacts their loyalty to the stores with financial value and abstract value. Research design, data, and methodology - The study suggested a theoretical model comprising 13 hypotheses on relations between theoretic variables, and conducted surveys with consumers using discount stores in Seoul and Gyunggi Metropolitan area in order to verify the hypotheses, while using SPSS 20.0, AMOS 21.0 as the verification program. The survey sheets used amounted to 332, and a structural equation model was used to analyze the reliability and validity of constituent elements and to verify the suggested hypothesis. Therefore, this study analyzes the interrelations between service quality and guarantee factors in the distribution channel and their relations with the loyalty to stores as a dependent variable. Results - First, the results of the hypotheses tests helped identify the relations between service quality, service guarantees, service value, and customer loyalty, providing an opportunity to define the relations between constituent elements. In particular, service convenience in service quality has no impact on financial values. Further, stores' service policy had no impact on abstract values. Service recognition by service convenience has an impact on abstract values such as good image, comfort, and usability, while mileage systems promote financial values for consumers. In order to improve consumer values in service quality and values, general supermarkets should improve their service convenience, membership, and mileage programs using various strategies. Conclusion - In order to improve consumer values in service quality and values, general supermarkets should improve their service convenience, membership, and mileage programs using various strategies. Further, as service guarantee systems have a significant and direct impact on customer loyalty, rather than customer value recognition, service guarantees should be used to encourage customers to re-visit the stores. Finally, this study applied the findings of preceding studies in terms of service quality measurement; it had limitations in referencing preceding studies in a comprehensive manner. It also had limits in expanding upon various preceding studies because it was difficult to apply new measurement tools due to the lack of service quality measurement tools for general supermarkets. Therefore, it is necessary to conduct more studies on service quality to measure service quality and develop measurement tools by incorporating various industry characteristics.

A Study on Satisfaction of Third Party Mobile Payment Service in China

  • Moon, Jae-Young
    • 한국컴퓨터정보학회논문지
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    • 제26권1호
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    • pp.259-264
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    • 2021
  • SNS는 최근 금융산업과 정보기술이 융합한 핀테크를 이용하여 기존의 결제시스템을 넘어선 모바일 결제시스템을 통해 금융서비스를 고객에게 제공하는 수준에 이르고 있다. 이러한 모바일 결제시스템은 시간이 갈수록 그 규모가 증가하고 있으며 그 기능 또한 일반 시중의 금융서비스와 같은 수준에 이르고 있다. 본 연구는 현재 핀테크 도입률이 가장 높은 중국의 인터넷 뱅크 이용자들 중 위쳇페이를 이용하는 사용자들을 대상으로 하여 사용자들이 인터넷 뱅킹에 있어서 가장 중요한 요인은 무엇인지를 살펴본 실증연구이다. 이를 알아보기 위해 본 연구에서는 유형성, 편리성, 정확성, 공감성, 신뢰성이 인터넷 뱅킹의 수용의도와 고객만족에 긍정적으로 영향을 주는 요인이 무엇인지 알아보기 위해 요인분석을 실시한 결과 제시한 2개의 요인이 수용의도와 고객만족에 어떠한 영향을 주는지 알아본 결과 모두 긍정적인 영향을 주는 것으로 나타났다. 이러한 결과는 이미 중국에서는 핀테크 기술을 이용한 인터넷 뱅킹이 사회전반에 고루 사용되고 있으며 인터넷 뱅킹에서 제공하는 다양한 서비스에 대해 대부분 만족한다고 할 수 있다.

국내 핀테크 기업의 기술 환경 분석 (Analysis of technical environment of domestic fintech companies)

  • 최유정;최훈
    • 한국정보통신학회논문지
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    • 제24권10호
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    • pp.1384-1389
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    • 2020
  • 핀테크 산업은 전세계적으로 급속도로 발전하고 있지만, 그 속도에 비해 국내의 발전 상황은 다소 느린 편이다. 따라서 국내의 핀테크 산업 발전의 방향성을 제시하기 위해 현재의 핀테크 산업 현황을 분석함으로써 추후 발전 방향을 설정할 수 있다. 국내의 핀테크 산업에 속하는 기업들이 주요하게 제공하는 서비스는 송금결제, 금융투자, 자산관리, 크라우드펀딩, P2P금융, 해외송금, 핀테크 SI, 인슈어테크, 가상통화, 보안 및 인증 등의 분야로 구분된다. 본 연구에서는 해당 서비스에서 활용되는 주요 기술을 확인하고, 현재의 국내 현황을 파악한다. 또한 각 서비스별 종사자들의 분포 현황에 대한 분석을 진행한다. 본 연구는 핀테크 회사의 기술적 분석을 통해 금융산업 분야 발전에 큰 역할을 할 것으로 예상된다.

인천지역 단체급식소별 조리종사자의 위생실천도 및 위생지식 비교 조사 (A Comparative Study on Sanitary Practices and Perception of Employees in Elementary School, Hospital and Industry Food Service in the Inchon Area)

  • 이윤주
    • 대한영양사협회학술지
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    • 제9권1호
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    • pp.22-31
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    • 2003
  • The purposes of this study were to compare performance of HACCP-based sanitary management and sanitation knowledge of employees in some food services (hospitals, elementary school, industry) in Inchon. Therefore, the survey questionnaire consisted of general background, sanitation performance, sanitation knowledge evaluation. The subjects were 370 employees in hospital, elementary school, industrial food service. The statistical analysis of data was completed using SPSS program. The results were summarized as follows: 99.3% of surveyed employees were female. 95.7% of employees were attended sanitation education and 76.8% of them were educated once a month. Employees in school food service showed higher academic career than the other food service employees. The food service employees' performance level was high(4.48). The performance level of school employees was significantly higher compared to other food services(p<0.001). Average score of sanitation knowledge was 16.36/20. The school food service employees' knowledge 17.03 was also higher compared to other food services. There was no significant correlation between sanitary performance and knowledge for total score. But among items of sanitary performance, a personal hygiene and food sanitary was significantly correlated with sanitation knowledge. The results of survey imply that the suitable contents and methods of education and training must be developed. Also, Financial supports to install necessary sanitary facilities are very important in order to raise effectiveness of education.

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i-fashion을 향한 제조업과 서비스업의 융합: 한국사례중심으로 (Tracking Convergence of Manufacturing and Service Sectors Toward i-fashion: A Case of Korea)

  • 김준모;임성욱
    • 품질경영학회지
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    • 제49권4호
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    • pp.641-654
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    • 2021
  • Purpose: One distinctive trend in the recent industrial and technological development has been the change in the structures of industries brought by information technology, boosting the productivity of different sectors. This relation has clearly opened a path for the fourth industrial revolution to reform numerous industrial sectors, including i-fashion sectors. Therefore, in this research, we would like to present the direction of the direction policy for the fusion of the manufacturing industry and the service industry of i-fashion. Methods: In this study, an empirical time series data analysis of machinery investment efficiency and capital investment efficiency of 43 industrial sectors in manufacturing and service was conducted to show their potential and ongoing convergence toward i-fashion. Results: Most impressive as a finding in this research was that those sectors previously underinvested due to a combination of technological and financial reasons found an exit for growth. In textile and apparel sectors, that could be the i-fashion. Conclusion: One strong implication of this study is that sectoral level convergence based on technology and industry is occurring, and i-fashion is one of the industrial convergence case to be observed.

Corporate Social Responsibility and Financial Performance in Korean Retail Firms

  • Lee, Jeong-Hwan;Kang, Yun-Sik;Kim, Sang-Su
    • 유통과학연구
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    • 제16권5호
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    • pp.31-43
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    • 2018
  • Purpose - We examine how a Korean retail firm's social responsibility is related to its financial performances. The traditional view of corporation expects a negative relationship, while the stakeholder theory expects a positive one. Research design, data, and methodology - We adopt the ESG score, published by Korean Corporate Governance Service to measure the level of socially responsible activity for the Korean retail firms. The ordinary least square method is adopted to investigate this relationship. The publicly traded retail firms are examined from 2011 to 2016. Results - We find that the total ESG score is negatively related to ROE but shows no statistically significant relationship with ROA and Tobin's Q value. However, a firm's environmental score is negatively related with both of ROE and ROA. Its social score is no conclusive relationship with the performance measures. The governance score is negatively related to the value of Tobin's Q. Conclusions - This paper generally supports the traditional view of corporate theory, especially in terms of ROE. This evidence is not well aligned with the existing study for Korean corporations generally documenting positive relationships. We find almost no empirical evidence supporting the stakeholder theory of corporation in the Korean retail industry.

다중 LBP 피처를 이용한 지문 정보 마스킹 알고리즘 (Fingerprint Information Masking Algorithm By Using Multiple LBP Features)

  • 김진호
    • 한국콘텐츠학회논문지
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    • 제17권12호
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    • pp.281-288
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    • 2017
  • 금융위원회는 2019년도까지 금융기관 및 공공기관 등에서 보유하고 있는 문서에서 지문 정보를 폐기 조치하라고 통보했다. 이를 위해 문서 영상에서 지문 정보를 검출하고 마스킹하기 위한 상용 솔루션들이 발표되고 있다. 본 논문에서는 문서 영상에 다양한 형태로 기록된 지문 후보들을 분할한 다음 인공신경망 분류기로 지문인지 여부를 판단할 때 지문의 특징이 잘 반영된 피처를 추출하기 위해 다중 LBP 피처를 설계하고 이를 이용해서 지문 정보를 마스킹하는 알고리즘을 제안하였다. 제안한 지문 정보 마스킹 알고리즘을 이용하여 금융권에서 보유하고 있는 3,497장의 문서 영상을 대상으로 지문 마스킹 실험을 수행한 결과 96.4%의 지문을 마스킹 할 수 있어서 본 알고리즘이 실제 지문 정보 마스킹 작업에 효과적으로 활용될 수 있음을 확인하였다.

MZ 세대 접점 확보를 위한 금융권 메타버스 플랫폼 활용 방향 연구 (A Study on the Application Direction of Financial Industry Metaverse Platform to secure MZ Generation Contact Points)

  • 유기중;박기범;조성원;김동호
    • 한국인터넷방송통신학회논문지
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    • 제23권3호
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    • pp.127-137
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    • 2023
  • COVID-19는 사회 전 분야 및 경제, 정치에 영향을 미쳤을 뿐만 아니라 산업계에도 막대한 영향을 미쳤다. 감염병 예방 차원에서의 비대면 교류 방식은 필수적이었으며, 이를 경험한 세대는 언제 어디서나 빠르게 접근할 수 있는 플랫폼의 중요성을 인식하고 이를 잘 수용할 수 있는 메타버스(Metaverse)에 관심이 쏠리고 있다. 금융업계마다 차별화된 메타버스 플랫폼 전략을 이용하고 새로운 고객 응대 및 수익 창출에 집중하고 있으며, 내외부의 의사소통 창구로도 활용되고 있다. 본 논문은 금융권 메타버스의 이론적 배경과 국내외 사례를 분석하고, MZ 세대 접점 확보를 위한 금융권 메타버스 플랫폼 활용 방향에 관하여 연구하고 기술해 보고자 한다.