• Title/Summary/Keyword: Importance rating

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Impact of Digitalization On the Banking System Transformation

  • Shcherbatykh, Denis;Shpileva, Vira;Riabokin, Maryna;Zham, Olena;Zalizniuk, Viktoriia
    • International Journal of Computer Science & Network Security
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    • v.21 no.12spc
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    • pp.513-520
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    • 2021
  • The purpose of the article is to study the impact of digitalization on the transformation of the banking system, taking into account current innovative development trends. The article analyzes the impact of key factors on the development of the digital economy. Ukraine's ranking positions in terms of digital competitiveness are shown. The necessity of using digital technologies in the sphere of banking activity is substantiated. The dynamics of changes in the number of operating banks in Ukraine is analyzed. The directions of introduction of information technologies in the sphere of banking activity are determined. An analysis of changes in the share of the population of individual EU member states that use the Internet for Internet banking. It is noted that modern transformation trends, digitalization of the economy have a significant impact on the landscape of the banking sector, in this context, the rating of Ukrainian banks in the categories of "Internet Banking" and "Mobile Banking". The advantages and disadvantages of using the capabilities of Internet banking are identified. Based on the study, the importance of expanding the boundaries of digitalization of the domestic banking system is substantiated, which will further increase the level of availability of online services in the field of banking. Prospects for further research are identified in the study of the impact of digitalization on the development of the banking system of foreign countries.

Quality Indicators of ICT-Related Support for Blended-Learning in Traditional Universities

  • CHOI, Kyoung Ae;KIM, Dongil;PARK, Chunsung
    • Educational Technology International
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    • v.6 no.1
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    • pp.81-101
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    • 2005
  • Campus-based universities have provided face-to-face instruction traditionally. But recently, it is becoming a trend that they provide blended learning which combines e-learning and f2f instruction. Therefore, traditional university has been installing the ICT related convenience for the faculty and students to use easily to their classes. The purpose of this study is to develop quality indicators of ICT-related support for proper blended learning in traditional campus-based universities. This indicators are used for measuring the quality of ICT-related services at university level for quality education. To this end, first, we reviewed literature about quality indicators of university evaluation and e-learning. Second,we did case study. We selected and analyzed one university for a case, And we identified what elements are perceived important to faculty for more efficient use of technology to their class. Third, we summarized all this data and established the quality indicators framework of ICT-related components for blended learning in campus-based universities. Then, these indicators were revised after the expert evaluation. And then 10 experts and practitioners scored importance rating. Finally, we sum them up to 17 indicators and 48 sub-indicators in three phases (input, process, output). Among them, e-learning related organization or body, usability of Learning Management System, and quality assessment system got the highest scores. These indicators are supposed to contribute to measure the quality of ICT-related environment for blended learning and to provide informations about what is required for efficient blended learning in the campus-based universities.

Core Keywords Extraction forEvaluating Online Consumer Reviews Using a Decision Tree: Focusing on Star Ratings and Helpfulness Votes (의사결정나무를 활용한 온라인 소비자 리뷰 평가에 영향을 주는 핵심 키워드 도출 연구: 별점과 좋아요를 중심으로)

  • Min, Kyeong Su;Yoo, Dong Hee
    • The Journal of Information Systems
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    • v.32 no.3
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    • pp.133-150
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    • 2023
  • Purpose This study aims to develop classification models using a decision tree algorithm to identify core keywords and rules influencing online consumer review evaluations for the robot vacuum cleaner on Amazon.com. The difference from previous studies is that we analyze core keywords that affect the evaluation results by dividing the subjects that evaluate online consumer reviews into self-evaluation (star ratings) and peer evaluation (helpfulness votes). We investigate whether the core keywords influencing star ratings and helpfulness votes vary across different products and whether there is a similarity in the core keywords related to star ratings or helpfulness votes across all products. Design/methodology/approach We used random under-sampling to balance the dataset. We progressively removed independent variables based on decreasing importance through backwards elimination to evaluate the classification model's performance. As a result, we identified classification models that best predict star ratings and helpfulness votes for each product's online consumer reviews. Findings We have identified that the core keywords influencing self-evaluation and peer evaluation vary across different products, and even for the same model or features, the core keywords are not consistent. Therefore, companies' producers and marketing managers need to analyze the core keywords of each product to highlight the advantages and prepare customized strategies that compensate for the shortcomings.

A Collaborative Filtering System Combined with Users' Review Mining : Application to the Recommendation of Smartphone Apps (사용자 리뷰 마이닝을 결합한 협업 필터링 시스템: 스마트폰 앱 추천에의 응용)

  • Jeon, ByeoungKug;Ahn, Hyunchul
    • Journal of Intelligence and Information Systems
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    • v.21 no.2
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    • pp.1-18
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    • 2015
  • Collaborative filtering(CF) algorithm has been popularly used for recommender systems in both academic and practical applications. A general CF system compares users based on how similar they are, and creates recommendation results with the items favored by other people with similar tastes. Thus, it is very important for CF to measure the similarities between users because the recommendation quality depends on it. In most cases, users' explicit numeric ratings of items(i.e. quantitative information) have only been used to calculate the similarities between users in CF. However, several studies indicated that qualitative information such as user's reviews on the items may contribute to measure these similarities more accurately. Considering that a lot of people are likely to share their honest opinion on the items they purchased recently due to the advent of the Web 2.0, user's reviews can be regarded as the informative source for identifying user's preference with accuracy. Under this background, this study proposes a new hybrid recommender system that combines with users' review mining. Our proposed system is based on conventional memory-based CF, but it is designed to use both user's numeric ratings and his/her text reviews on the items when calculating similarities between users. In specific, our system creates not only user-item rating matrix, but also user-item review term matrix. Then, it calculates rating similarity and review similarity from each matrix, and calculates the final user-to-user similarity based on these two similarities(i.e. rating and review similarities). As the methods for calculating review similarity between users, we proposed two alternatives - one is to use the frequency of the commonly used terms, and the other one is to use the sum of the importance weights of the commonly used terms in users' review. In the case of the importance weights of terms, we proposed the use of average TF-IDF(Term Frequency - Inverse Document Frequency) weights. To validate the applicability of the proposed system, we applied it to the implementation of a recommender system for smartphone applications (hereafter, app). At present, over a million apps are offered in each app stores operated by Google and Apple. Due to this information overload, users have difficulty in selecting proper apps that they really want. Furthermore, app store operators like Google and Apple have cumulated huge amount of users' reviews on apps until now. Thus, we chose smartphone app stores as the application domain of our system. In order to collect the experimental data set, we built and operated a Web-based data collection system for about two weeks. As a result, we could obtain 1,246 valid responses(ratings and reviews) from 78 users. The experimental system was implemented using Microsoft Visual Basic for Applications(VBA) and SAS Text Miner. And, to avoid distortion due to human intervention, we did not adopt any refining works by human during the user's review mining process. To examine the effectiveness of the proposed system, we compared its performance to the performance of conventional CF system. The performances of recommender systems were evaluated by using average MAE(mean absolute error). The experimental results showed that our proposed system(MAE = 0.7867 ~ 0.7881) slightly outperformed a conventional CF system(MAE = 0.7939). Also, they showed that the calculation of review similarity between users based on the TF-IDF weights(MAE = 0.7867) leaded to better recommendation accuracy than the calculation based on the frequency of the commonly used terms in reviews(MAE = 0.7881). The results from paired samples t-test presented that our proposed system with review similarity calculation using the frequency of the commonly used terms outperformed conventional CF system with 10% statistical significance level. Our study sheds a light on the application of users' review information for facilitating electronic commerce by recommending proper items to users.

Study on Controlled Horticulture Farmers' Attitude of Energy-Saving Facilities using the IPA method (시설원예 농가의 에너지 절감시설에 대한 만족도 분석: IPA방법을 이용하여)

  • Kim, Yean-Jung;Han, Hye-Sung;Choi, Chil-Koo
    • Journal of the Korea Academia-Industrial cooperation Society
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    • v.15 no.10
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    • pp.6114-6125
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    • 2014
  • This paper analyzed the issues related to focus on farmers behaviors of energy saving facilities. This study conducted questionnaire and field surveys of controlled horticulture farmers and economic analysis using an IPA(Importance-Performance Analysis) matrix. According to the research results, the performance level was low on average ranging from 2.33 to 2.56 in a five point Likert-scale on greenhouse mandarin and grape-related facilities. On the other hand, the importance levels were high in the mean rating from 2.69 to 4.8. The results show that energy loss reduction of complementary facility and alternative energy supply support for low cost implementation are more important in terms of the respondents concerns than performance quadrant III. Therefore, it is important to provide financial support to energy-saving facilities to promote the use of energy efficiency improvement. In addition, the government should invest continuously in research and development.

The Differences of Consumer Perception toward the Components of Apparel Store (의류점포 구성요인에 대한 소비자 지각의 차이)

  • 김관일;김미영
    • Journal of Distribution Research
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    • v.6 no.1
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    • pp.1-21
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    • 2001
  • This study introduced the components of apparel store, which include product and service factor to reflect the modified conception of service. The purposes of this study were to investigate the dimensions of the components of apparel store and to examine consumers' rating of importance on the components of apparel store. In addition, this study explored the effect of clothing involvement and demographic variables on importance perception. Data were collected via a questionnaire from young adult females in their twenties. The results of this study revealed five dimensions of service factor: environmental service, salesperson service, attitude and policy service related to exchange and refund, policy service related to promotion, and policy service related to convenience. Factors related to product were identified price, quality, variety, fashion, design and brand. Attitude and policy service related to exchange and refund is the most important factor that consumer perceived. Salesperson service and product quality were the second important factors. The relatively important factor in each service dimension was this : display in the environmental service, the ability of salesperson to resolve customer's complaints in the salesperson service, sales person’s courtesy in managing exchange or refund in policy service. Clothing involvement and demographic variables do affect consumers’perception on importance.

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Importance and Satisfaction Rating Assessment of users Regarding BRT Facility and Operation : The Case of Busan (BRT 시설 및 운영에 관한 이용자의 중요도 만족도 평가 : 부산광역시를 중심으로)

  • Kim, Seong Eun;Jung, Hun Young
    • KSCE Journal of Civil and Environmental Engineering Research
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    • v.39 no.5
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    • pp.595-603
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    • 2019
  • To alleviate the demand on private car that is constantly increasing, Busan Metropolitan City (BMC) has established Bus Rapid Transit (BRT) to revitalize public transportation. But there are no unified lane system between BRT and general bus stations, which makes off-lane turning general bus to contribute to congestion. And as the bottleneck phenomenon at entrance/exit accelerates the congestion, there has been huge dissatisfaction among commuting drivers. Therefore, this study identifies efficient methods to operate better through measuring civilian awareness. We evaluate both satisfaction and drawbacks on BRT service with Importance-Performance Analysis (IPA). We first distinguish the groups by the awareness on BRT and their main transit usage, and then clarify the difference between the groups. And as a result, the group who is positive to BRT and uses buses often demands improvement in bus indoor comfort and curbing jaywalking. On the other hand, group who is negative to BRT and uses private cars often demands improvement in lane changing and the moving speed of private cars. We next examines the groups with MDPREF, one method of Multidimensional Scaling (MDS). And we have clarified that the evaluating criteria and the individual attributes of the groups corresponds very well.

A Study on Attributes to Select the Physical Education Institutes for Preschoolers in Directors of Educational Institutes for Preschoolers (유아교육기관장의 유아체육교육기관에 대한 선택속성 연구)

  • Choo, Nayoung
    • 한국체육학회지인문사회과학편
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    • v.55 no.4
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    • pp.241-252
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    • 2016
  • The purpose of this study was to suggest rating factors of the importance and the satisfaction for selecting physical education institutes for preschoolers and to provide an implication of vitalizing physical education class for preschooler with comparative analysis between importance and satisfaction using IPA analysis. 253 directors of educational institutes for preschooler have chosen through a convenience sampling method, and 430 was used for analysis. The results were as follows. First, the instructor qualification items and the program items ranked highly positions in physical education institute for preschooler. Second, the instructor qualification items, the program items, tuition items of discount benefit and institution image items of reputation had the significant difference between importance and satisfaction. Lastly, The quadrant I is "the keep up the good work" part and includes 8 items such as the expertise of the physical education teacher for preschooler. The quadrant II is "the concentrate here" part and includes 2 items such as teaching ability of the physical education teacher for preschooler. The quadrant III is "the low priority" part and includes 6 items such as reasonable prices of tuitions.

How to improve the accuracy of recommendation systems: Combining ratings and review texts sentiment scores (평점과 리뷰 텍스트 감성분석을 결합한 추천시스템 향상 방안 연구)

  • Hyun, Jiyeon;Ryu, Sangyi;Lee, Sang-Yong Tom
    • Journal of Intelligence and Information Systems
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    • v.25 no.1
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    • pp.219-239
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    • 2019
  • As the importance of providing customized services to individuals becomes important, researches on personalized recommendation systems are constantly being carried out. Collaborative filtering is one of the most popular systems in academia and industry. However, there exists limitation in a sense that recommendations were mostly based on quantitative information such as users' ratings, which made the accuracy be lowered. To solve these problems, many studies have been actively attempted to improve the performance of the recommendation system by using other information besides the quantitative information. Good examples are the usages of the sentiment analysis on customer review text data. Nevertheless, the existing research has not directly combined the results of the sentiment analysis and quantitative rating scores in the recommendation system. Therefore, this study aims to reflect the sentiments shown in the reviews into the rating scores. In other words, we propose a new algorithm that can directly convert the user 's own review into the empirically quantitative information and reflect it directly to the recommendation system. To do this, we needed to quantify users' reviews, which were originally qualitative information. In this study, sentiment score was calculated through sentiment analysis technique of text mining. The data was targeted for movie review. Based on the data, a domain specific sentiment dictionary is constructed for the movie reviews. Regression analysis was used as a method to construct sentiment dictionary. Each positive / negative dictionary was constructed using Lasso regression, Ridge regression, and ElasticNet methods. Based on this constructed sentiment dictionary, the accuracy was verified through confusion matrix. The accuracy of the Lasso based dictionary was 70%, the accuracy of the Ridge based dictionary was 79%, and that of the ElasticNet (${\alpha}=0.3$) was 83%. Therefore, in this study, the sentiment score of the review is calculated based on the dictionary of the ElasticNet method. It was combined with a rating to create a new rating. In this paper, we show that the collaborative filtering that reflects sentiment scores of user review is superior to the traditional method that only considers the existing rating. In order to show that the proposed algorithm is based on memory-based user collaboration filtering, item-based collaborative filtering and model based matrix factorization SVD, and SVD ++. Based on the above algorithm, the mean absolute error (MAE) and the root mean square error (RMSE) are calculated to evaluate the recommendation system with a score that combines sentiment scores with a system that only considers scores. When the evaluation index was MAE, it was improved by 0.059 for UBCF, 0.0862 for IBCF, 0.1012 for SVD and 0.188 for SVD ++. When the evaluation index is RMSE, UBCF is 0.0431, IBCF is 0.0882, SVD is 0.1103, and SVD ++ is 0.1756. As a result, it can be seen that the prediction performance of the evaluation point reflecting the sentiment score proposed in this paper is superior to that of the conventional evaluation method. In other words, in this paper, it is confirmed that the collaborative filtering that reflects the sentiment score of the user review shows superior accuracy as compared with the conventional type of collaborative filtering that only considers the quantitative score. We then attempted paired t-test validation to ensure that the proposed model was a better approach and concluded that the proposed model is better. In this study, to overcome limitations of previous researches that judge user's sentiment only by quantitative rating score, the review was numerically calculated and a user's opinion was more refined and considered into the recommendation system to improve the accuracy. The findings of this study have managerial implications to recommendation system developers who need to consider both quantitative information and qualitative information it is expect. The way of constructing the combined system in this paper might be directly used by the developers.

The Effects of Enterprise Value and Corporate Tax on Credit Evaluation Based on the Corporate Financial Ratio Analysis (기업 재무비율 분석을 토대로 기업가치 및 법인세가 신용평가에 미치는 영향)

  • Yoo, Joon-soo
    • Journal of Venture Innovation
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    • v.2 no.2
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    • pp.95-115
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    • 2019
  • In the context of today's business environment, not only is the nation or company's credit rating considered very important in our recent society, but it is also becoming important in international transactions. Likewise, at this point of time when the importance and reliability of credit evaluation are becoming important at home and abroad, this study analyzes financial ratios related to corporate profitability, safety, activity, financial growth, and profit growth to study the impact of financial indicators on enterprise value and corporate taxes on credit evaluation. To proceed with this, the financial ratio of 465 companies of KOSPI securities listed in 2017 was calculated and the impact of enterprise value and corporate taxes on credit evaluation was analyzed. Especially, this further study tried to derive a reliable and consistent conclusion by analyzing the financial data of KOSPI securities listed companies for eight years from 2011, which is the first year of K-IFRS introduction, to 2018. Research has shown that the significance levels among variables that show the profitability, safety, activity, financial growth, and profit growth of each financial ratio were significant at the 99% level, except for the profit growth. Validation of the research hypothesis found that while the profitability of KOSPI-listed companies significantly affects corporate value and income tax, indicators such as safety ratio and growth ratio do not significantly affect corporate value and income tax. Activity ratio resulted in significant effects on the value of enterprise value but not significant impacts on income taxes. In addition, it was found that the enterprise value has a significant effect on the company's credit and corporate income taxes, and that corporate income taxes also have a significant effect on the corporate credit evaluation, and this also shows that there is a mediating function of corporate tax. And as a result of further study, when looking at the financial ratio for eight years from 2011 to 2018, it was found that two variables, KARA and LTAX, are significant at a 1% significant level to KISC, whereas LEVE variables is not significant to KISC. The limitation of this study is that credit rating score and financial score cannot be said to be reliable indicators that investors in the capital market can normally obtain, compared to ranking criteria for corporate bonds or corporate bills directly related to capital procurement costs of enterprise. Above all, it is necessary to develop credit rating score and financial score reflecting financial indicators such as business cash flow or net assets market value and non-financial indicators such as industry growth potential or production efficiency.