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Voluntary Insurance for Ensuring Risk-Free On-the-Go Banking Services in Market Competition: A Proposal for Bangladesh

  • Rahman, Akim M.
    • The Journal of Asian Finance, Economics and Business
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    • v.5 no.1
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    • pp.17-27
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    • 2018
  • In 21st Century business world, services are carried out in multifaceted, competitive and rationality manner that are characterized by evolving many factors, which are often unpredictable. On-the-go banking is a product in financial sector. However, it faces serious pitfalls being it riskiness. Bank customers compete for time-saving options. On contrary, PCBs compete for marginalizing its operating costs for enhancing its revenues. On strategic tactics, PCBs targets city customers in multi-facets including offering incentives for enhanced usages of on-the-go banking. Influencing customer's intention, attitude and behavior in banking, PCBs also offers incentive under market system along with often informational asymmetry. However, it causes exploitation. In most cases customers don't read terms & conditions of services. They don't save contract-copy. These weaknesses cause abuses. Customer faces hidden charges, extra fees, account hacked. Addressing the issue, Voluntary Insurance Option is proposed where PCBs will introduce it as a product of bank-services. Transferring risk away from customer will benefit both PCBs and bank-customers. This product can attract new customers who were on the brink using digital banking but just felt it was too risky. This model can facilitate the parties involved for increasing usage of on-the-go banking-services while customers can maintain optimal utility of usages.

A Study of the Factors in Influencing Satisfaction with the National Education Information System (교육행정정보시스템(NEIS) 사용자 만족도에 영향을 미치는 요인에 관한 연구)

  • Kang, Youn-Jung;No, Yun-Seok;Lee, Mon-Jun
    • The Journal of Information Systems
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    • v.17 no.1
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    • pp.1-22
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    • 2008
  • As National Education Information Systems (NEIS) is supposed to broadly introduced all over the country, we need to understand factors that would affect its successful use. Studies regarding the NEIS have been made in terms of a social issue according to its introduction and use, however there has been only little research made in terms of the use of the system so far. Therefore, this study aims to investigate the factors that would have effect on a successful use of the NEIS. A research model of the study is based on the extended DeLone and McLean's information systems success model with two characteristics of computer self-efficacy and perceived fairness. Based on the survey data from 168 subjects, the present study performs SEM analysis with PLS. The results show that perceived usefulness and computer self-efficacy improves the user satisfaction. However, the user' satisfaction does not cause system characteristics- system quality, information quality, service quality -and perceived fairness not effect. The study provides characteristics which can effectively and smoothly introduce the NEIS for its successful use on the upcoming full scale execution on the NEIS.

A Study on the Evaluation Algorithm of Distribution Systems Interconnected with Dispersed Generations (분산전원의 배전계통연계 자동판정 알고리즘 개발에 관한 연구)

  • Rho, Dae-Seok;Kim, Jae-Eon
    • The Transactions of The Korean Institute of Electrical Engineers
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    • v.56 no.11
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    • pp.1910-1920
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    • 2007
  • This paper deals with the optimal evaluation algorithms for voltage regulation in the case where new dispersed generations(DG) are operated in distribution systems. It is very difficult and complicated to handle the interconnection issues for proper voltage managements, because professional skills and enormous amounts of data for the evaluations are required. The typical evaluation algorithms mainly depending on human ability and quality of data acquired, inevitably cause the different results for the same issue, so unfair and subjective evaluations are unavoidable. In order to overcome these problems, the paper proposes reasonable and general algorithms based on the standard model system and proper criterion, which offers the fair and objective evaluations in any case. The proposed algorithms are divided by two main themes. One is an optimal algorithm for the voltage control of multiple voltage regulators in order to deliver suitable voltage to as many customers as possible, and the other is a proper evaluation algorithm for the voltage management at normal and emergency conditions. The results from a case study show that the proposed methods can be a practical tool for the voltage management in distribution systems including dispersed sources.

A Study on the Healing working space through Aesthetic Office Landscape -Focused on the Psychological Healing theory of Max Lṻscher- (감성적 오피스 랜드스케이프를 통한 치유적 사무공간에 관한 연구 -막스 뤼셔의 심리치유이론을 중심으로-)

  • Jin, Dal-Rae;Kim, Kwang-Ho;Kim, Hye-Yeon
    • Journal of The Korea Institute of Healthcare Architecture
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    • v.13 no.3
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    • pp.7-14
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    • 2007
  • The concept and spatial composition of office have endlessly changed according to social trend. And according to social change, members of office, namely, concept of organization has been changed. Presently, our society finds and needs appearance of office suitable for our society. According to a concept of ecological environment and a concept laying stress on human, various trials have been performed but still, stress of salaried men is treated as social issue. By having connection between psychological healing theory of Max $L{\ddot{\bar{u}}}scher$ and spatial expression elements (content : refuge, self-esteem : prospect, confidence : flow, liberty : void) as a theory, we discussed possibility of aesthetic office landscape could be developed to a type of office which could control emotion that can be a cause of stress and we intended to examine limitation and possibility through case analysis.

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The characteristic analysis and model of PEM fuel cell for residential application (가정용 고분자 연료전지의 모델과 특성해석)

  • Cho, Y.R.;Kim, N.H.;Han, K.H.;Joo, K.D.;Yun, S.Y.;Baek, S.H.
    • Proceedings of the KIEE Conference
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    • 2005.04a
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    • pp.277-279
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    • 2005
  • The imbalance of energy demand and supply caused by rapid industrialization around the world and the associated environmental issues require and alternative energy source with possible renewable fuels. Political instability and depletion of cruel oils are other factors that cause fluctuation of oil price. Securing a new alternative energy source for the next century became an urgent issue that our nation is confronting with. As a matter of fact, the fuel cell technology can be widely used as next generation energy regardless of regions and climate. Specially, the ability of expansion and quick installation enable one to apply it for distributed power, where the technology is already gaining remarkable attentions for the application. Particularly, leading industrialized nations are focusing on the PEM fuel dell with anticipation that this technology will find their place of applications in the vehicles and homes. In this study, demonstrate the multi physics modeling of a proton exchange membrane(PEM) fuel cell with interdigitated flow field design. The model uses current balances, mass balance(Maxwell-Stefan diffusion for reactant, water and nitrogen gas) and momentum balance(gas flow) to simulate the PEM fuel cell behavior.

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Design of Accident Situation ID Recording System using JPMP-SID Security Tag (보안 JPMP-SID Tag를 활용한 사고 상황 ID 기록 시스템 설계)

  • Choi, Jang-Sik;Choi, Sung-Yeol;Kim, Sang-Choon
    • Convergence Security Journal
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    • v.11 no.3
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    • pp.85-90
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    • 2011
  • JPMP SID Tag is the security senor tag to provides physical information protective function using sensor module, has impossible feature to copy and fake the data which is stored in the tag. So data which is stored in the JPMP SID Tag has authenticity, integrity, originality. Therefore JPMP SID Tag could be applied in the place where the security of data is demanded. This paper propose the system using the JPMP SID Tag to acquire and protect digital evidence where cause investigation of accident is necessary. Also, proposed systems is complement of software security with composition secondary control logic for JPMP SID tag access control.

Software Pipeline-Based Partitioning Method with Trade-Off between Workload Balance and Communication Optimization

  • Huang, Kai;Xiu, Siwen;Yu, Min;Zhang, Xiaomeng;Yan, Rongjie;Yan, Xiaolang;Liu, Zhili
    • ETRI Journal
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    • v.37 no.3
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    • pp.562-572
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    • 2015
  • For a multiprocessor System-on-Chip (MPSoC) to achieve high performance via parallelism, we must consider how to partition a given application into different components and map the components onto multiple processors. In this paper, we propose a software pipeline-based partitioning method with cyclic dependent task management and communication optimization. During task partitioning, simultaneously considering computation load balance and communication optimization can cause interference, which leads to performance loss. To address this issue, we formulate their constraints and apply an integer linear programming approach to find an optimal partitioning result - one that requires a trade-off between these two factors. Experimental results on a reconfigurable MPSoC platform demonstrate the effectiveness of the proposed method, with 20% to 40% performance improvements compared to a traditional software pipeline-based partitioning method.

Numerical Analysis of Effects of Velocity Inlet and Residual Layer Thickness of Resist on Bubble Defect Formation (레지스트 잔류층 두께와 몰드 유입속도가 기포결함에 미치는 영향에 대한 수치해석)

  • Lee, Woo Young;Kim, Nam Woong;Kim, Dong Hyun;Kim, Kug Weon
    • Journal of the Semiconductor & Display Technology
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    • v.14 no.3
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    • pp.61-66
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    • 2015
  • Recently, the major trends of NIL are high throughput and large area patterning. For UV NIL, if it can be proceeded in the non-vacuum environment, which greatly simplifies tool construction and greatly shorten process times. However, one key issue in non-vacuum environment is air bubble formation problem. In this paper, numerical analysis of bubble defect of UV NIL is performed. Fluent, flow analysis focused program was utilized and VOF (Volume of Fluid) skill was applied. For various resist-substrate and resist-mold angles, effects of velocity inlet and residual layer thickness of resist on bubble defect formation were investigated. The numerical analyses show that the increases of velocity inlet and residual layer thickness can cause the bubble defect formation, however the decreases of velocity inlet and residual layer thickness take no difference in the bubble defect formation.

A Study on the Parents' Perceptions of Children's Favorite Foods (어린이 기호식품에 대한 학부모 인식 조사)

  • Jung, Ji-Hye;Song, Kyung-Hee;Yoon, Ji-Young
    • Korean Journal of Community Nutrition
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    • v.14 no.1
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    • pp.67-76
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    • 2009
  • The purpose of this study was to investigate the parents' perceptions of children's favorite foods. Mothers of elementary school students in Seoul were asked in a survey about their perceptions of children's favorite foods and their opinions of the related policy. Respondents pointed out the problems of children's favorite foods including insufficient sanitation, concerns with food additives, untrustworthy manufacturer, unsafe food distribution system and overuse of MSG. Overall hazardous perceptions of children's favorite foods were 2.71 out of 4.00. Most respondents believed that the children's favorite foods contained some harmful ingredients or over nutrients, and 69.2% of those respondents knew exactly which ingredients may cause children's health problems. The hazardous perception of chocolate, yogurt, sport drink and fruit drink were low compared to others, whereas hazardous perceptions and accuracy were high in candies, icebars, hamburgers and pizza, In terms of comprehensive countermeasures against unsafe children's foods, the respondents perceived that the establishment of standard amounts of nutrient value and food additives was the most important issue.

Design of launch pad for mitigating acoustic loads on launch vehicle at liftoff (우주발사체 발사 시 음향하중 저감을 위한 발사대 설계)

  • Tsutsumi, Seiji
    • The Journal of the Acoustical Society of Korea
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    • v.39 no.4
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    • pp.331-341
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    • 2020
  • At liftoff, launch vehicles are subject to harmful acoustic loads due to the intense acoustic waves generated by propulsion systems. Because these waves can cause electronic and mechanical components of launch vehicles and payloads to fail, predicting and mitigating acoustic loads is an important design issue. This article presents the latest information about the generation of acoustic waves and the acoustic design methods applicable to the launch pad. The development of the Japanese Epsilon solid launcher is given as an example of the new methodology for launch pad design. Computational fluid dynamics together with 1/42 scale model testing were performed for this development. Effectiveness of the launch pad design to reduce acoustic loads was confirmed by the post-flight analysis.