• Health Policy and Management
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• v.16 no.1
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• pp.73-94
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• 2006

This study was carried out to show how the Analytic Hierarchy Process technique could be used in setting the priority among selected diseases to increase the range of health insurance benefit. Thirty experts, including doctors (group1), experts for preventive medicine or public health(group2), and representatives of the insured(group 3), participated in the study panel that is conducted for priority setting. They were asked to evaluate the priorities among 6 selected criteria and then 42 selected diseases. The results were as follows; First, representatives of the insured think that the magnitude of out-of-pocket payment should have high priority while doctors think that effectiveness of treatment should have high priority. Second, all experts think that catastrophic diseases such as malignant neoplasm, major heart disease, and cerebral vascular disease should have high priority in health insurance coverage even though there is little difference among groups. These results can be useful to establish a systematic strategy for expanding health insurance benefit package.

• The Journal of the Korea Contents Association
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• v.16 no.5
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• pp.638-650
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• 2016

The purpose of this study was to do an exploratory analysis on the expectation of Chinese high-school students on the benefits of higher education. Higher education benefits were categorized into monetary-investment benefit, non monetary-investment benefit and consumptive benefit. The differences in expectation according to independent student factors and family background were analyzed. The survey data on every high school's 300 students and 300 their parents total 1200 in 2 high schools in YanTai was put into the analysis. The differences among groups and items were analyzed using Cross tabulation, ANOVA, etc with SPSS. The major findings are as follows. First, Chinese high-school students' overall expectation on higher education benefits was high. Second, Expectation on higher education benefits differed according to independent student factors, such as gender, academic year, grade, etc. Third, expectation on higher education benefits differed according to factors of family background. Fourth, level of expectation on higher education benefits between parents and students differed. In the future, the government should consider such various expectations and differences when dealing with higher education policies and university operation.

• Journal of Convergence for Information Technology
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• v.10 no.3
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• pp.58-66
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• 2020

This paper aims to empirically analyze the factors of difference in trust level for Internet-only bank by age groups. The purpose of this study is to provide clues and a research data in developing differentiation strategies that can increase consumer's trust by age group. In this study, above all, the financial consumer group was divided into the 2030s and 4050s based on age. The study explored the trust determinants of the two groups and compared the differences between the two groups using a multi-group analysis method. As results, in all age groups, financial consumer's trust was seen as a determinant of convenience, security and benefit of financial transaction costs. The difference of the determinant of trust between 2030s and 4050s occurred in the factor of benefit. Moreover, it reconfirmed that consumer's trust is later strongly extended to relationship commitment. These findings suggest that trust is of paramount importance to the Internet-only bank, whose market competition will intensify in the future.

• Asia Marketing Journal
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• v.12 no.2
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• pp.155-175
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• 2010

Most of the service industries including finance and telecommunications have become matured and saturated. The competitions have become severe while the differences among brands become smaller. Therefore maintaining good relationships with customers has been critical for the service providers. In case of credit card and debit card, the similar patterns are shown. It is important for them to maintain good relationships with customers, and therefore, they have used marketing program which provides customized services to customers and utilizes the membership programs. Not only do they build and maintain good relationships, but also highlight their brands from the emotional aspects. For example, KB Card or Hyundai Card uses well-known designers' works for their credit card design. As well, they differentiate the designs of credit cards to stress on their brand personalities. BC Card introduced the credit card with perfume that a customer would like. Even though the credit card is small and not shown to public easily, it becomes more important for those companies to touch the customers' feelings with the brand personalities and their images. This is partly because of changes in consumers' lifestyles. Y-generations becomes highly likely to express themselves in many different ways and more emotional than X-generations. For the Y-generations, therefore, even credit cards in the wallet should be personalized and well-designed. In line with it, credit cards with good design can be seen as an example of brand identity, where different design for each customer can be used to recognize the membership groups that customers want to belong. On the other hand, these credit card companies offer the special treatment benefits for those customers who are heavy users for the cards. For example, those customers who love sports will receive some special discounts when they use their credit cards for sports related products. Therefore this study attempted to explore the relationships between relational benefits, brand identification and loyalty. It has been well known that relational benefits and brand identification lead to loyalty independently from many other studies, but there has been few study to review all the three variables all together in a research model. Furthermore, as reviewed above, in the card industry, many companies attempt to associate the brand image with their products to fit their customers' lifestyles while relational benefits are still playing an important role for their business. Therefore in our research model, relational benefits, brand identification, and loyalty are all included. We focus on the mediating effect of brand identification. From the relational benefits perspective, only special treatment benefit and confidence benefit are included. Social benefit is not applicable for this credit card industry because not many cases of face-to-face interaction can be found. From the brand identification perspective, personal brand identity and social brand identity are reviewed and included in the model. Overall, the research model emphasizes that the relationships between relational benefits and loyalty will be mediated by the effect of brand identification. The effects of relational benefits which are confidence benefit and special treatment benefits on loyalty will be realized when they fit to the personal brand identity and social brand identity. In the research model, therefore, the relationships between confidence benefit and social brand identity, and between confidence benefit and personal identity are hypothesized while the effects of special treatment benefit on social brand identity and personal brand identity are hypothesized. Loyalty, then, is hypothesized to have positive relationships with personal brand identity and social brand identity. In addition, confidence benefit among the relational benefits is expected to have a direct, positive relationship with loyalty because confidence benefit has been recognized as a critical factor for good relationships and satisfaction. Data were collected from college students who have been using either credit cards or debit cards. College students were regarded good subjects because they are in Y-generation cohorts and have tendency to express themselves more. Total sample size was two hundred three at the beginning, but after deleting those data with many missing values, one hundred ninety-seven data points were remained and used for the model testing. Measurement items were brought from the previous literatures and modified for this research. To test the reliability, using SPSS 14, chronbach's α was examined and all the values were from .874 to .928 exceeding over .7. Using AMOS 7.0, confirmatory factor analysis was conducted to investigate the measurement model. The measurement model was found good fit with χ²(67)=188.388 (p= .000), GFI=.886, AGFI=.821, CFI=.941, RMSEA=.096. Using AMOS 7.0, structural equation modeling has been used to analyze the research model. Overall, the research model fit were χ²(68)=188.670 (p= .000), GFI=.886, AGFI=,824 CFI=.942, RMSEA=.095 indicating good fit. In details, all the paths hypothesized in the research model were found significant except for the path from social brand identity to loyalty. Personal brand identity leads to loyalty while both confidence benefit and special treatment benefit have a positive relationships with personal and social identities. As well, confidence benefit has a direct positive effect on loyalty. The results indicates the followings. First, personal brand identity plays an important role for credit/debit card usage. Therefore even for the products which are not shown to public easy, design and emotional aspect can be important to fit the customers' lifestyles. Second, confidence benefit and special treatment benefit have a positive effects on personal brand identity. Therefore it will be needed for marketers to associate the special treatment and trust and confidence benefits with personal image, personality and personal identity. Third, this study found again the importance of confidence and trust. However interestingly enough, social brand identity was not found to be significantly related to loyalty. It can be explained that the main sample of this study consists of college students. Those strategies to facilitate social brand identity are focused on high social status groups while college students have not been established their status yet.

• Journal of Preventive Medicine and Public Health
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• v.38 no.1
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• pp.82-92
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• 2005

Objective : To evaluate the relationships among sociodemographic characteristics, health behaviors, levels of pros and cons and stages of change in Pap testing for uterine cervical cancer. Methods : A questionnaire survey was performed on 560 randomly sampled people who were assigned to participate in a Pap testing program by the National Cancer Screening Project in 2003' between 25 September and 10 October in Gyeonggi, Korea. Data about the behaviors and intentions of Pap testing, sociodemographic characteristics, health behaviors, and levels of acknowledged benefit (pros) and barrier (cons) for Pap testing was collected. The stages of change were grouped according to behaviors and intentions of Pap testing as passive, active, and relapse. Results : Logistic analysis between the passive and active groups showed that city dwellers, 'high' and 'middle' groups in terms of the individual s health belief, those who had undergone a health examination within the past 2 years, and those who had undergone hormone replacement therapy had a higher odds ratios to be in the active group. As the 'benefit' scores increased and the 'Unnecessity' scores decreased, the probabilities to be in the active group increased. According to the logistic analysis results between the active and relapse groups, those who were 60 years or older, members of the National Heath Insurance, and those who had not undergone a health examination within the past 2 years had a higher odds ratio to be in the relapse group. The 'Benefit' scores were not significant in this relationship. The probabilities of being in the relapse group increased as the Unnecessity and 'Shamefulness' scores increased. Conclusions : In conclusion, health planners should inform women in the passive group of the benefits and necessity of Pap testing. It would be better to reduce the barriers to the active group of undergoing Pap smear. This study might be a useful guide for future planning of Pap testing program.

• Journal of the Korean Society of Costume
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• v.50 no.7
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• pp.97-111
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• 2000

The purpose of this study were to segment the hair care cosmetics market according to the benefits sought, to categorize the information sources on the hair care cosmetics, and to characterize the profiles of the segmentized groups of university students. Self-administered questionnaires were distributed to 457 university students in Chonbuk province from Jul. 10 to Jul. 21, 1999. Frequencies and percentages were calculated, and factor analysis, cluster analysis, one-way ANOVA, and $\chi$$^2$-test were used. The results were: 1. University student's benefit variables on hair care cosmetics were classified into special function, fashion, practicality, brand, fragrance, styling, nutritional reinforcement, and economy. And they were segmentized into the feeling pursuit, the multi-benefit pursuit, the practicality pursuit, the benefit unconscious, and the function pursuit. The information sources were classified into marketer-dominated sources, neutral sources and consumer -dominated sources. 2. The feeling pursuit strongly sought for fashion, brand and fragrance pursuit, but considered economy less, chiefly used the marketer-dominated and neutral information sources, and showed much interests in hair care cosmetics, and were consisted of women dominantly. The multi-benefits pursuit sought for various kinds of benefits from hair care cosmetics, depended heavily on various kinds of information sources, were well aware of their hair types and instructions on the hair care cosmetics label, and were consisted of women dominantly. The practicality pursuit highly sought for practicality, but low on the fashion, were not aware of their hair style, haler care, hair health status and hair type, and almost half of them are men. The benefit unconscious showed low concern about, all kinds of benefits and hair care cosmetics, and were consisted of more men than women. The function pursuit highly sought for special function and nutritional reinforcement, mainly depended on the consumer-dominated sources. and showed low concern about their hair style and hair care.

• Journal of the Korean Society of Clothing and Textiles
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• v.25 no.2
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• pp.303-314
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• 2001

The purposes of this study were 1) to identify different sub-segments of tourism market in Cheju island based on fashion image of clothing souvenir and 2) to provide manufactures with useful information for developing cultural fashion goods related to Cheju island. The data were collected via a self-administered questionnaire from 192 female tourist(20-59 years old) in Cheju and analyzed by factor analysis, cluster analysis, one-way ANOVA and $\chi$$^2$-test. Six factors of fashion image were found image were found and labeled as: Sexy/feminine, wild/mannish, easy/simple, Cheju, ecology, natural image. Four factors of benefit sought were also identified: Practicality/economic-value, fashionability/preference of design, reputation and souvenir-value. Three groups were identified based on fashion image sought: Image of primitive nature(G1: 37.7%), image of nature in the city(G2: 20.1%), sexy/feminine image(G3: 42.2%). There were significant differences among sub-groups in age, fashion innovation, benefit sought and intention of buying Gal-ot. Younger females(20-30 ages) were included more in group 1 than group 2 while older females(40-50 ages) were included more in group 2. Group 1 had a higher score of fashion innovation comparing group 3. Group 1 had the highest scores on practicality/economic-value and souvenir-value. However, group 2 placed the highest importance on reputation as well as practicality/economic-value and group 3 had the lowest scores on all types of benefit. Group 1 and group 2 had intention of buying Gal-ot more than group 1. Based on the results of this study, manufactures may implement target marketing strategies on group 1 which sought the image of primitive nature and group 2 which sought the image of nature in the city.

• The Korean Journal of Health Service Management
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• v.5 no.2
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• pp.157-172
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• 2011

The purpose of this study is to provide basic information for improving medical security between the Korean National Health Insurance Corporation and the private health insurance in Pusan Metropolitan area by investigating of the recognition with the benefit groups. Questionnaires of 431 were taken between Feb. 11th and Feb. 25th 2008. The survey was carried out to gather information about SES and contents of insurance and recognition between the benefit group of the Korean National Health Insurance and the private health insurance on the financial conditions and the stability. The result of survey is as follows. First, there is a difference between the National Health Insurance and the private health insurance on the financial conditions and the stability of the Korean National Health Insurance. Second, there is a high score at the private health insurance on the financial conditions and the stability of the private health insurance. Third, privatizing of a National Health Insurance is high score at increase of the premium, medical payments of the National Health Insurance group and is high score at enhance of quality of medical service and decrease of loss of medical payment of the private health insurance group. Therefore, to provides more information and improved medical security with the benefit group. it is necessary for concerns to put more efforts in creating Conflicting vs. Complementing of systemic base.

• The Research Journal of the Costume Culture
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• v.16 no.5
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• pp.910-923
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• 2008

This study investigated the difference in the influence of shopping orientations, attributes evaluation, and benefits sought on brand loyalty between Korean and American consumers within a clothing purchase context. Questionnaires were administered to 237 Korean consumers and 184 American college students who had purchase experience of casual wear in recent six months through off-line. The results were as follows. First, the hedonic shopping orientation had a positive impact on brand loyalty in both groups, whereas efficient shopping orientation had a positive impact on brand loyalty in American group. Second, the aesthetic attribute had a positive impact on brand loyalty in both groups, whereas utilitarian attribute had a positive impact on brand loyalty in Korean group. Third, brand value benefit sought had a positive impact on brand loyalty in Korean group and body expression/complement had a positive impact on brand loyalty and economic benefit sought had a negative impact on brand loyalty in American group.

• Journal of Fashion Business
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• v.17 no.4
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• pp.107-123
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• 2013

This study identified market segments by fashion leadership and appearance interest and compared each group in clothing benefits and makeup benefits pursued as well as makeup behaviors. The data were collected from 20~30 women during September, 2012, and a total of 302 surveys were analyzed. About 46.5% was in their twenties, and more than 39% was students and 35.4% was office workers. Findings were as follows. First, according to fashion leadership and appearance interest, three groups were identified, fashion leader group, appearance interest group, and uninterested group. Second, uninterested group showed the oldest average age among three groups. Fashion leader group showed the higher proportion of students and professional. Third, fashion leader group showed the highest mean score of self-esteem, while uninterested group showed the lowest level. Fourth, fashion leader group pursued attractive body image, social benefit, and individuality for clothing benefits, while uninterested group valued convenience. Fifth, with respect to makeup benefits pursued, fashion leader group presented a high level of esthetic, self-confidence, and functional pursuit, whereas uninterested group showed the opposite. Sixth, respondents tended to depend on internet most as cosmetic information sources, followed by family/friends, and magazine in order. Implications for cosmetic business were provided.