• The Journal of Asian Finance, Economics and Business
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• 제7권7호
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• pp.293-302
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• 2020

Capital mobilization is a traditional business of commercial banks and is one of the core foundations for the development of a bank. Capital mobilization is the main input in the operation of a bank, and this is also the basis for generating output for credit activities as well as other banking activities. This study aims to determine the main factors that affect the decisions of individual customers to put savings deposit in Vietnamese commercial banks. Survey data collected from 403 individual customers were analyzed to provide evidence. The results from the multiple regression analysis by using SPSS software revealed that all scales in this study were reliable, and there were six components impacting the savings deposit decision of individual customers from the strongest to the weakest in the following order: the form of promotion, bank brand, service quality, interest rate policy, and employee knowledge and attitude. Besides, the finding showed customers who have high income tend to have a stronger decision on savings deposits in commercial banks. The main findings of this article provide some empirical implications for marketers in banks and serve as a suggestion to improve these factors in order to retain and attract individual customers' savings deposit decisions.

• Asia pacific journal of information systems
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• 제15권4호
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• pp.89-107
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• 2005

As new information technology(IT) adoption continues to produce many investment opportunities, imperfectly informed IT managers keep trying to acquire credible external signals to update their knowledge on new technologies. Such learning processes usually help them to reach better IT adoption decisions. In some cases, however, the opposite of the goal is achieved. Most IT managers quickly converge to the same adoption decision independent of their private information. Interestingly, such information cascade is the outcome of each individual decision maker's rational choice. A technology acceptance model(TAM) is adopted that has been widely used to predict the end-user's acceptance of a new technology. A model with individual charact-eristics and information cascade variables is constructed to explain user's intention in adopting blogging. The model is empirically tested with surveyed data. The results show that individual characteristics and information cascades have significant impacts in the case of blogging.

• The Journal of Asian Finance, Economics and Business
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• 제7권11호
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• pp.541-548
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• 2020

This study aimed to explain the factors that influenced an individual's decision to migrate. The method of analysis in this study was the estimation of the probit regression model with data from the Indonesian Family Life Survey (IFLS-5), which covered 30,000 individuals from 13 provinces in Indonesia. Data from IFLS-5 were longitudinal data, meaning that the study was looking for data consistently to get reliable data from respondents. The research variables to determine the individual's decision to migrate were education level, income level, employment status, marital status, land ownership status, health quality, gender, residence status, and poverty status. Individual decision to migrate as a dependent variable was placed as a dummy variable. The results showed that the level of education, income level, employment status, marital status, land ownership status, health quality, and poverty status significantly influenced an individual's decision to migrate. Meanwhile, gender and residence status did not significantly affect an individual's decision to migrate. This research recommends that it is necessary to pursue a policy of economic equality between regions because economic factors are the main trigger for an individual's decision to migrate. Policies to overcome economic disparities among regions will reduce the individual's decision to migrate.

• 인지과학
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• 제27권3호
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• pp.407-420
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• 2016

본 연구는 최후통첩 게임 패러다임을 활용하여 의사결정자의 역할 주체 (개인 vs. 대표자)와 상대그룹과의 사회적 관계 (중립적 vs. 경쟁적)에 따른 행동적 불연속성을 검증하였다. 참가자들은 모두 최후통첩 게임에서 제안자가 아닌 응답자의 역할을 하였으며, 그룹의 대표자로 의사결정할 때 더 많은 제안을 수락함으로써 개인으로서 의사결정할 때보다 더 경제적으로 합리적인 행동패턴을 보였다. 하지만 이러한 개인-대표자 행동 불연속성은 중립적 관계에서만 유지되었다. 상대방 그룹이 참가자 그룹과 경쟁적인 관계에 있는 조건에서는 역할 주체가 그룹의 대표자일 때 오히려 더 많은 제안을 거부함으로써 경제적으로 더 비합리적인 행동패턴을 보였다. 특히, 경쟁적 관계와의 최후통첩 게임에서는 상대방 그룹에 대한 마음 귀인의 정도에 따라 다른 수준의 의사결정 편향을 관찰할 수 있었다. 구체적으로, 경쟁적 관계에 있는 그룹에 대해서 더 많은 마음을 귀인하는 참가자일수록 더 높은 수준의 거부 비율을 보임을 알 수 있었다. 본 연구는 그룹 맥락에서의 개인 의사결정 패턴 - 때로는 전체 그룹의 금전적 이익을 포기하고 궁극적으로는 사회적 잉여의 준최적화를 초래할 수 있는 - 에 대한 이해를 제공한다는 데 그 중요성이 있다.

• 한국심리학회지 : 문화 및 사회문제
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• 제11권1호
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• pp.59-84
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• 2005

보통 사람들이 보이는 인지적 방략(cognitive heuristic)인 정박 방략(anchoring heuristic), 대표성 방략(representativeness heuristic), 그리고 사고 틀 효과(framing effect)가 고도의 판단 전문가인 현역 판사들의 의사결정 과정과 대학생들로 구성된 집단의 의사결정 과정에서도 발견되는지를 알아보기 위해 세 개의 연구가 수행되었다. 연구1에서는 한국의 법률상황에 맞는 시나리오를 구성하여, 전문영역에서 많은 경험과 정형화된 훈련을 통해 증거를 평가하는 고도의 판단 전문가인 158명의 현역판사들의 의사결정 과정에서도 이러한 인지적 방략이 발견되는지를 알아보고자 하였다. 연구 2에서는 토의과정을 거쳐서 만장일치에 의해 도출되는 집단적 판단에서도 인지적 방략의 효과가 발생할 것인가를 검증해 보고자 하였다. 연구 3에서는 연구 2의 집단판단에 관한 결과를 보다 명확히 해석하기 위한 목적으로 일반인들의 개인판단을 알아보았다. 연구 1의 결과, 현역 판사들의 판단에서는 '저 정박점'에 의한 정박 방략 효과가 강하게 나타나는 것이 확인되었으나, '고 정박점'에 의한 정박 방략 효과는 나타나지 않았다. 사고 틀 효과는 전혀 발견되지 않았으며, 판사들의 사후확률 추론은 조건확률보다는 사전확률에 의해 더 크게 영향을 받는 것으로 나타났다. 연구 2와 연구3의 결과에 따르면, 정방 방략 효과는 개인판단과 집단판단에서 모두 나타났으나, 개인판단보다 집단판단에서 더 크게 나타났다. 사고 틀 효과는 개인판단에서 부분적으로 나타났으나, 집단판단에서는 전혀 나타나지 않았다. 대표성 방략 효과는 현역판사의 판단과 모의배심 판단에서 모두 발견되지 않았다. 각 연구의 결과가 사법제도에 대하여 가지는 시사점이 논의되었다.

• The Journal of Asian Finance, Economics and Business
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• 제8권3호
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• pp.845-853
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• 2021

The stock market shows the current health of an economy, and investment performance represents it. This study aims to clarify the relationship between financial behavior and investment decisions as well as its impact on investment results. Determine the influence of behavioral factors on individual investors' investment decisions and investment performance on the Vietnam stock market. The study surveyed 250 investors. The main analytical methods used are Exploratory Factor Analysis (EFA), Confirmatory Factor Analysis (CFA), and Structural Equation Modeling (SEM). Research results show that Heuristic, Prospect, Market, and Herding directly and positively affect investment decision-making. Besides, the above factors have a direct and positive effect on investment performance. In particular, the Prospect factor has the strongest influence on investment decision-making and investment performance. The major findings of this study suggested that the important role of Heuristic, Prospect, Market, and Herding on Investment Decision-making and Investment Performance. Prospect had the strongest impact on Investment decision-making (β = 0.275). Heuristic had the second strongest impact (β = 0.257), then Herding (β = 0.202), and finally Market (β = 0.189) had the weakest effect. Regarding Investment Performance, the Prospect factor has a higher degree of impact than Heuristic Herding and Market.

• 한국통신학회논문지
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• 제34권2A호
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• pp.132-138
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• 2009

무선인지 기술은 비어있는 스펙트럼을 검출하고 이를 사용하여 통신하는 기술로서 주파수 부족 현상을 해소하기 위한 방안으로 활발히 연구가 이루어지고 있다. 무선인지 기술을 도입하기 위해 핵심적인 요소는 부사용자가 주사용자의 통신을 방해하지 않으면서 주파수 사용의 효율성을 최대화하는 것이다. 이를 위해서는 주사용자의 스펙트럼 점유 여부를 정확하게 판단하는 센싱 기술이 필요하다. 각각의 부사용자가 독립적으로 센싱을 수행하는 개별 센싱 기술은 음영지역, 잠복 터미널 문제 등이 있어서 최근 여러 부사용자가 협력하여 센싱을 수행하는 협력 스펙트럼 센싱 기술이 주목받고 있다. 본 논문은 협력 스펙트럼 센싱에 있어서 각 부사용자가 개별적으로 센싱한 결과의 경판정 값을 취합하여 이를 효과적으로 결합하는 방법을 제안한다. 제안한 방법은 과거의 협력 센싱 결과를 이용하여 각 부사용자의 개별 센싱 결과에 신뢰도를 나타내는 가중치를 부여하여 결합함으로써 협력 센싱 성능을 향상시킨다. 다양한 환경에서 제안한 방법의 검출 성능을 평가하여 기존의 가중치 없는 경판정 결합 방법과 비교한 결과를 제시한다.

• 보건행정학회지
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• 제31권3호
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• pp.255-260
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• 2021

Background: Korea National Health Checkup Programs are aimed at the prevention and early detection of cardiovascular disease in adults. To establish a countermeasure for this tendency, The current Korea National Health Checkup Programs have been providing Health Risk Appraisal (HRA) since 2009, thereby focusing on individual lifestyle correction. However, from 2018, the dyslipidemia screening exam cycle has been changed from 2 to 4 years. Methods: In this study, we try to investigate whether policy decisions are valid based on domestic reports that have influenced policy decisions. First, considering the epidemiology of the domestic cardiovascular disease, dyslipidemia, and metabolic syndrome, the change of the 4-year cycle is appropriate or not. Second, whether the research method that applies came to make policy decisions appropriate or not. Third, our study also investigates whether the direction of policy decision was suitable for the second comprehensive national examination plan. Results: The data that are used in the previous study were that of 10 years ago and there also was a problem in selecting the data, especially the use of one of the research methods to calculate the signal to noise ratio that was aimed at improving health had some problems. This is a research method that does not match with the aim itself. Conclusion: Changing the screening cycle for dyslipidemia does not match the recent trend of general screening to effectively prevent cardiovascular disease in improving individual lifestyles in the national health checkup plan. Studying the relationship with metabolic syndrome, which can be an intermediate stage of cardiovascular disease, could be a policy direction that is more suitable for the national health examination comprehensive plan.

• 가정과삶의질연구
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• 제26권5호
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• pp.109-127
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• 2008

There are few studies on the characteristics of debtors in individual rehabilitation procedures, though research in this field is needed. The scarcity of research means that public policy and perception are being made with inadequate information and, to a certain extent, based on personal prejudices and misconceptions. The purpose of this study was to find out demographic, economic and psychological characteristics of debtors in individual rehabilitation procedures. For this study, an in-depth interview was used. The major findings were as follows : The focus of this study is debtors in individual rehabilitation procedures. They were all under 40 and received relatively high educations. Interestingly, they showed a high tendency to use debt and an inability to manage their money. They had short time horizons and imperfect self-control in consumption and borrowing decisions. Monthly income, expenditures, asset and debt of the debtors, and monthly payment to creditors were reported. There were a lot of reasons for their bankruptcy : business failure, job loss, the cost of raising children, and expenditures for entertainment causing them to file for individual rehabilitation procedures. One of the major conclusions of this study was the discovery that their psychological characteristics were nearly the same. The implications of the study suggest that financial education and counseling must consider psychological characteristics.

• 대한건축학회연합논문집
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• 제8권4호
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• pp.123-130
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• 2006

This paper discusses issues faced by individual building industry clients. These form the majority of clients but, because they do not possess high purchasing power, they attract less attention in the industry. Given that key decisions on project definition and procurement strategy are made at the pre-project stage, the industry would benefit from knowing relevant aspects of its clients' attitudes and behaviors, so that it can support them. There is a lack of research on this subject, and so we first describe a theoretical framework and research methodology that were developed for this specific group of clients. Theory adopted from consumer behavioral research was introduced to develop a general behavioral model of individual clients. In this model, individual clients are assumed to seek and then process information after acknowledging normative activities. To validate our model, a field survey was conducted using randomly selected individual clients. Their opinions on the importance and difficulty of 12 normative activities were analysed to establish a general attitude. Information seeking behaviour was investigated by measuring the frequency and type of source that they contacted to conduct the normative activities. The attitudes and information seeking behaviour presented in this research will contribute to the development of project tools for supporting these clients.