• Korean Management Science Review
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• v.14 no.2
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• pp.161-184
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• 1997

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.

• Korean Management Science Review
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• v.14 no.2
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• pp.139-159
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• 1997

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 shere 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.

• Asian Journal of Business Environment
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• v.3 no.1
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• pp.5-16
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• 2013

Purpose - Micro-finance institutions (MFIs) are critical to Vietnam's quest for poverty alleviation among the poor in the rural and agrarian communities. The current study attempts to investigate the impact of microfinance outreach programs undertaken by formal and semi-formal MFIs in Vietnam targeting the poor rural and agrarian communities. Research design, data, methodology - An enquiry was made as to whether the poor and rural communities accessed the micro credit offered by Government supported MFIs and NGOs through their microfinance outreach programs. Furthermore, the current study attempted to explore if the current mode of operations adopted by MFIs in Vietnam is sustainable. Results -The findings indicate that significant progress has been made in Vietnam to alleviate poverty among the poor rural communities through micro finance outreach programs. Conclusions - There are also pointers of MFIs sustainability in Vietnam. However, it still remains to be seen if the current sustainability pointers are long lasting without government subsidies or some international organizations financial support to microfinance outreach programs.

• Management Science and Financial Engineering
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• v.19 no.1
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• pp.43-47
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• 2013

We investigate the effect of bank's market power on financing constraints of non-financial firms in 11 Asian countries between 1995 and 2009. Using firm-level data we analyze financial constraints with the Euler equation derived from the dynamic investment model. We find that with a highly concentrated banking sector firms which have high market power are less financially constrained. These results are consistent with an information-based hypothesis that more market power increases bank's advantage to produce information on potential borrowers.

• The Journal of Information Systems
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• v.14 no.3
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• pp.17-22
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• 2005

Location management is very important in location-based services to provide services to the mobile users like banking, city guides and many more. Ubiquitous and mobile devices are the source of data in location management and its significant operations are update and search method. Some studies to improve these were presented by using optimal sequential paging, location area scheme and hierarchical database scheme. In addition, not all location services have the same access methods on data and it lead to difficulties of providing services. A proposed location management of multi-agent architecture is presented in this study. It shows the coordination of the agents on the distributed database of location-based services. The proposal focuses on the location management of the mobile object presented in a hierarchical search and update. Also, it uses a nearest neighbor technique for efficient search method of mobile objects.

• The Journal of Korean Academy of Orthopedic Manual Physical Therapy
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• v.10 no.2
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• pp.73-82
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• 2004

Objectives : In order to develop the measuring tool of visual display terminal (VDT) syndrome and investigate the variables affecting the development of VDT syndrome. Methods : A questionnaire study accompanied with the evaluation of working environment was performed with 42 VDT users from banking operations. Results : As a results of analysis with data colleted by newly developed questionnaire, VDT syndrome included five factors named as eye-related component, and psychological component. general body discomfort component. musculoskeletal component, and skin-related component. The scores of eye-related symptoms was 15.17, scores of psychological symptoms was 7.36, scores of general body discomfort symptoms was 10.52, scores of musculoskeletal symptoms was 9.38, scores of skin-related symptoms was 3.67, and total scores was 46.10. Scores of 2.05 eye fatigue in the level of eye-related symptoms were higher significantly. Scores 50.52 of female was statistically higher than scores 41.67 of male. Conclusions : The subjective symptoms of VDT syndrome scores was significantly associated with gender and age.

• The Journal of Asian Finance, Economics and Business
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• v.9 no.4
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• pp.197-212
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• 2022

The study uses the audited financial statements of 26 Vietnamese commercial banks listed on the Ho Chi Minh City Stock Exchange (HOSE) and Hanoi Stock Exchange (HOSE) during the 2008-2018 period to estimate the system GMM model, which provides empirical evidence on the effect of the variables of customer deposit to total assets (DEPO) ratio, loan to assets (LTA) ratio, liquidity of commercial banks (LIQ), credit development (CRD) ratio, external funding (EFD) ratio, and credit loss provision (LLP) ratio on liquidity risk. The study confirms that commercial banks' internal factors play the most important role, and there is no empirical evidence on macro variables that affect liquidity risk. Finally, in accordance with the theoretical framework, the study uses an estimation method with the R language and the bootstrap methodology to give empirical proof of the nonlinear correlation and U-shaped graph between commercial bank size and liquidity risk. The importance of commercial bank size in absorbing and moderating the effects of liquidity shocks is demonstrated, however, excessive growth in commercial bank size would increase liquidity risk in commercial bank operations.

• Journal of Digital Contents Society
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• v.1 no.1
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• pp.23-37
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• 2000

EDI is basically the concept of computer-to-computer exchange of messages relating to various types of activities or business areas, such as banking, trade, medicine, publishing, etc. Therefore, security, reliability and special functionality will be implicit requirements of EDI systems. We will design access control model to content security of these requirements. Access controls in information systems are responsible for ensuring that all direct access to the entities occur exclusively according to the access modes and rules fixed by security policies. On this paper, security policies for access control model are presented from the viewpoints of identity-based, rule-based, role-based policy. We give a design of access control model for secure EDI service based on the derived access control rules and operations to enforce the defined security policies. The proposed access control model provides integrity, confidentiality and a flow control of EDI messages.

• Korean Management Science Review
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• v.28 no.1
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• pp.107-116
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• 2011

The automated teller machine (ATM) is developed as a system to provide customers with an easy deposit and withdrawal of their money without time restriction and be served for 24 hours. Today, ATM is come up to the level of an unmanned branch. The automatic financing system is developed as an essential one for dealing with the rationalization of management and the globalization of financing in order to improve the efficiency of financial management work and increase the customer service quality. With reducing the operational cost of financial organizations through the efficient maintenance operation of ATM and increasing the service quality through the maximization of its processing efficiency, this study is to draw the scheme to ensure the competitiveness among the finance companies. The importance of ATM is highly recognized as the utilization of ATM is increased and the processing function is extended, but ATM is quite vulnerable to the malfunction occurred during the nighttime after banking hours. The ATM maintenance is done through consignment to the specialized maintenance company. The efficient operation of ATM maintenance work is important to the satisfaction of customer using ATM in the nighttime.

• Asian Journal of Business Environment
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• v.8 no.1
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• pp.23-29
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• 2018

Purpose - The purpose of this research is to make a comparative assessment of People Credit Funds (PCFs) ranking in Vietnam between the Circular No. 42/2016/TT-NHNN dated December 20, 2016 with the Decision No. 14/2007/QD-NHNN dated 09/4/2007 issued by the Governor of the State Bank. Research design, data, and methodology - This study is mainly based on the Circular No. 42/2016/TT-NHNN dated December 20, 2016 and the Decision No. 14/2007/QD-NHNN dated 09/4/2007 issued by the Governor of the State Bank on PCFs ranking. Results - The study paper has shown positive changes in PCFs ranking in Vietnam in accordance with the Circular No. 42/2016/TT-NHNN, such as increasing Capital Adequacy Ratio (CAR), maintaining CAR, improving assets quality, developing indicators of governance, management and control capability. These changes have implications for the development and efficient performance of PCFs in Vietnam. Conclusions - The classification and evaluation of PCFs will contribute to its healthy development. These finding support PCFs to understand more about rating methodology, significance of rating system and the importance of improving their rating. PCFs in Vietnam desire to develop their business effectively, they need to understand exactly and comply fully with regulations related to their field of operations.