• Proceedings of the Korean Operations and Management Science Society Conference
• /
• 2003.05a
• /
• pp.44-52
• /
• 2003

인터넷 뱅킹은 다른 정보시스템이나 웹기반 시스템에 비해 보안에 대한 우려가 높으면서, 다른 거래자들과의 사용자간 거래가 지원되는 P2P적 요소를 가지고 있다. 따라서 보안우려와 거래파트너는 인터넷 뱅킹 사용에 많은 영향을 주는 중요한 요소로 간주될 수 있다. 본 연구에서는 기존의 기술수용모형에 보안우려와 거래파트너 영향을 외부변수로 도입한 확장된 기술수용모형을 제안하였다. 이를 위해 기존에 사용하고 있던 유용성 대신에 편리성을 도입하였고 보안우려와 사용용이성 및 사용은 부( )의 관계, 거래파트너 영향과 편리성 및 사용은 정(+)의 관계에 의해 기존의 기술수용모형에 확장하였다. 실증적 검증을 위해 설문조사를 하였고 조사결과는 구조방정식에 의해 분석하여 만족할만한 모형적합도를 얻었고, '보안우려-사용용이성' 관계를 제외한 모든 가설이 채택되었다.

• Journal of the Korean Operations Research and Management Science Society
• /
• v.14 no.2
• /
• pp.161-161
• /
• 1989

This research examines the importance of IT training/education, present situation and possible suggestion for the successful training/education. The research method adopts a comparative analytical approach based on questionnaire survey responses from three work groups - managers, employees, and union representatives - drawn from five sample Korean banks. The evidence indicates that all three groups agree that IT improves banking efficiency and reduces job repetitiveness, but their job satisfaction level with IT-based work is surprisingly very low. The main reasons are mainly lack of training/education and poor user manuals. Also the research shows that most respondents would like to get further training/education to more adequately fit them for their jobs. Those from banks which invested in continuing training/education revealed more positive work attitudes and higher job satisfaction.

• Journal of the Korean Operations Research and Management Science Society
• /
• v.14 no.2
• /
• pp.139-139
• /
• 1989

Recently banking industry is experiencing fundamental changes by advancement of information technology. The traditional role of branches is rapidly being replaced with new electronic service channels such as ATM. Phone and PC for they are time-saving and convenient. Automated service channel strategy of retail banks is divided into two different ways, automation and networking. Automation is mainly focused on cost reduction related to the branch operation, while networking is on expansion of customer contact points. Strategic types of banks can be defined from a matrix model where the positioning is determined by the extent of automation and networking. The effectiveness of automated channel strategy depends on how separate strategic types show their performance. Results for deposits and productivity will be given to verify the economic performance of each strategic type.

• The Journal of Asian Finance, Economics and Business
• /
• v.7 no.9
• /
• pp.1-10
• /
• 2020

The purpose of this study is to investigate the relationship between diversification and the performance of commercial banks, while taking into account the ownership status of these banks in Sri Lanka. Two-way relationship between diversification and performance was scrutinised by employing the 2SLS regression technique. The data consists of 17 registered commercial bank in Sri Lanka between 2001-2016. The results show a strong significant bidirectional relationship exists between diversification and bank performance. The performance of Sri Lankan banks has been significantly improved by their diversification attempts. In other words, the banks whose incomes are more diversified from various sources, they are more profitable and successful in long-term. On the other hands, the results also reveal that bank performance positively and significantly affects diversification. This finding suggests that the banks with great profitability are more capable in diversify their operations. Furthermore, private sector banks, both listed and unlisted, are significantly more diversified than their government-owned counterparts, but their performance is not necessarily superior to government-owned banks. This may be the result of the economic environment and the perception of the public, which have allowed the government-owned banks to entertain significant market power over the private sector banks in the country.

• The Journal of Asian Finance, Economics and Business
• /
• v.8 no.1
• /
• pp.247-255
• /
• 2021

The study aims to determine the influence of intellectual capital and education on public financial services in increasing financial inclusion. This study applied a survey technique by selecting respondents according to the purposive sampling method. The number of respondents in this study was 500 people and came from various regions in Indonesia. Data analysis was performed using Structural Equation Modeling (SEM) techniques. The results indicate that intellectual capital has a positive effect on financial inclusion. Conversely, education about public financial services has no influence in increasing financial inclusion. The results of this study indicate that the success of financial inclusion programs in Indonesia is caused more by the role of public intellectual capital. Studies show that the public does not have the courage to be involved in banking institutions because the image of this institution tends to be inflexible in its operations. The results of this study are expected to make a real contribution, especially for the government and banks, that in order to achieve the success of the financial inclusion program in Indonesia; the related parties should educate the public directly to citizens who have not been reached by banking services continuously and with a more down to earth approach.

• The Journal of Asian Finance, Economics and Business
• /
• v.9 no.5
• /
• pp.239-250
• /
• 2022

A business's Enterprise Resource Planning (ERP) solution is software that fully integrates the services that businesses require, continuously updates business processes and department operations in real-time, and so aids in the successful management of enterprise resources. Previously, ERP solutions were often deployed for large enterprises, but along with the strong digital transformation process, many small and medium enterprises have been deploying Cloud ERP (CERP) solutions. The objective of the study is to measure the factors affecting the successful implementation of CERP solutions at small and medium enterprises and the impact of successful implementation of CERP solutions on business process re-engineering and enterprise performance. Using a quantitative method based on data collected from 230 small and medium enterprises in Vietnam that have been implementing CERP solutions, the results show that there are 5 factors affecting, which are Organizational ERP Strategic, Top management Commitment, Data Security, Training in ERP Projects, Organizational Culture. Research results also show that Successful implementation of CERP has a direct impact on business process re-engineering and business performance. Based on the results, the study has made a number of policy implications in the successful implementation of CERP towards re-engineering business processes to improve the performance of small and medium enterprises.

• Proceedings of the Korean Operations and Management Science Society Conference
• /
• 2002.05a
• /
• pp.835-840
• /
• 2002

The information systems of the Korea Postal Service are developed not for integration based on strategic purposes but for improvement of low-level business processes within each functional unit. Hence. the as-is level of the information systems is very insufficient for information integrity, and also shows substantial gaps. when compared to recent advances in information envconment such as internet, electronic govemment and so on in this study we suggest the design of the integrated platform to achieve integrity of postal service and banking servive. After briefly addressing the issues on information systems of the Korea Postal Service. we provide the framework of the integrated platform and action plan. We believe when this framework is put into use. It can contribute to competitive performance by giving the integrity and consistency in implementing infomation systems of the Korea Postal Service.

• The Journal of Asian Finance, Economics and Business
• /
• v.8 no.1
• /
• pp.343-352
• /
• 2021

This study aims to identify the impact of the audit approach based on business risks (i.e., external environment risk, operations risk, information risk) in reducing unsystematic risks (i.e., operational risk, credit risk, liquidity risk, capital risk, and administrative risk) in Jordanian banks. To reduce the effect of unsystematic risks and, thus, improve banking performance, an audit approach based on business risks has emerged. To achieve the objectives, this study relied on descriptive statistics and the regression approach to study twenty-five Jordanian banks. The researcher used the intentional sampling method represented by employees of the accounting, financial and control departments in Jordanian banks. Seventeen banks contributed to the study, with a percentage of 68%, totaling 356 employees. A questionnaire was designed to obtain the data, and due to homogeneity among the sampling members, a purposive sample was drawn and 300 questionnaires were distributed. The results of the study found a statistically significant effect of the audit approach based on business risks with its combined dimensions on reducing unsystematic risks in Jordanian banks. The results of the study also found a statistically significant effect of the business risk-based audit approach with its combined dimensions on reducing operational risks in Jordanian banks.

• KSII Transactions on Internet and Information Systems (TIIS)
• /
• v.4 no.3
• /
• pp.411-427
• /
• 2010

Data sharing is an essential process for collaborative works particularly in the banking, finance and healthcare industries. These industries require many collaborative works with their internal and external parties such as branches, clients, and service providers. When data are shared among collaborators, security and privacy concerns becoming crucial issues and cannot be avoided. Privacy is an important issue that is frequently discussed during the development of collaborative systems. It is closely related with the security issues because each of them can affect the other. The tradeoff between privacy and security is an interesting topic that we are going to address in this paper. In view of the practical problems in the existing approaches, we propose a collaborative framework which can be used to facilitate concurrent operations, single point failure problem, and overcome constraints for two-party computation. Two secure computation protocols will be discussed to demonstrate our collaborative framework.

• Korean Management Science Review
• /
• v.30 no.3
• /
• pp.55-70
• /
• 2013

In this study we suggested two optimization models to determine conversion weight of convertible bonds. The problem of this study is same as that of Park and Shim [1]. But this study used Value-at-Risk (VaR) for risk measurement instead of CVaR, Conditional-Value-at-Risk. In comparison with conventional Markowitz portfolio models, which use the variance of return, our models used VaR. In 1996, Basel Committee on Banking Supervision recommended VaR for portfolio risk measurement. But there are difficulties in solving optimization models including VaR. Benati and Rizzi [5] proved NP-hardness of general portfolio optimization problems including VaR. We adopted their approach. But we developed efficient algorithms with time complexity O(nlogn) or less for our models. We applied examples of our models to the convertible bond issued by a semiconductor company Hynix.