In the fintech field, financial transactions with smart phones are actively conducted. User authentication technology is essential for safe financial transactions. PIN authentication through the existing security keypads is convenient to input but has weaknesses in security and others. The biometric authentication technique is secure, but there is a possibility of false positive and false negative authentication. To compensate for this, two-factor authentication is used. In this paper, we propose the 1.5-factor authentication that can increase convenience and security through PIN input with biometric authentication. It provides the stability of fingerprint authentication and convenience of two or three PIN inputs, and this makes safe financial transaction possible. Since biometric authentication is performed at the same time when entering PIN, while security is required by applying fingerprint authentication to the area touched while entering PIN. The User authentication is performed while ensuring convenience to input through additional PIN input in situations where high safety is required, and Safe financial transactions are possible.
There are increasing interest and need for information on health care consumer with the significance of hospital marketing and strategic planning being increasingly emphasized. This study was conducted to investigate the criteria for selection of medical facilities according to the characteristics of health care consumer by the types of medical services on a sample of 1,500 population aged 20 years and above. Major findings are as follows ; 1. When considering the criteria for selection of medical facilities into two factors, namely, quality or convenience factors, convenience factor was the major contributor for outpatient and dental services whereas it was quality factor for inpatient services. 2. Females and those residing in large cities selected medical facilities based on convenience factor in the outpatient services. In the case of inpatient service, persons who considered their present health status to be good and whose ages were 50 years old and above choose medical facilities based on quality factor. 3. Persons who considered medical facilities to be profit-making tended to choose medical facilities based on convenience factor for outpatient services. There were no differences in the cases of inpatient and dental services. 4. There was no significant difference on the criteria for selection of medical facilities according to the decision maker for selection or trust on medical facilities. On the use of health service information, selection of medical facilities was based on quality factor for those who made more use of the information in the cases of outpatient and dental services. 5. Analysis using the logistic regression model on the criteria for the selection of medical facilities with the characteristics of health care consumer as independent variables was performed. The selection of medical facilities was significantly related with residential area, sex, and use of information on medical facilities for outpatient services and with age, average monthly income, and perception of health status for inpatient services. For dental services significant association with residential area and use of information on medical facilities was seen. The results of this study, despite some limitations, can be used as baseline data for marketing and strategic planning of hospital management.
The main purpose of this research was to examine what were the factors of shopping value that consumers perceived, if there is any difference between male and female, and if male and female consumer group were divided into different groups according to the pursuing shopping value type. Data were solicited from convenience sample of 347 adults(156 male and 191 female) who were between 19 to 49 years of age. Sources for the sample were companies and apartment complexes and several colleges in Seoul and Chonan to diversify by such demographics as age and social status. The statistical methods used for this study are factor analysis and cluster analysis and Scheffe test using a SPSS 10.00 GLM. The main findings are as follows: First, four dimensions of clothing shopping values were identified as pleasure, planned, leisure, and convenience value. For male, it appeared in the order of pleasure, leisure, planned, and convenience shopping value and for female, it appeared in the order of pleasure, planned, leisure, and convenience shopping value. The most important subdimension of clothing shopping value was 'pursuing pleasure' and the least important one was 'convenience' regardless of gender. Second, three types of consumer groups for male & female were identified. For male consumers, it appeared as planned, leisure/convenience, and pleasure pursuing group. For female consumers, it appeared as pleasure, convenience, and leisure shopping pursuing group. Here, pleasure is a common factors to affect shopping itself free from gender, but male does shopping with plan and female with pleasure.
Journal of the Korean Society of Clothing and Textiles
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v.21
no.6
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pp.1082-1093
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1997
The purpose of this study was to identify characteristics and consumer attitude on purchasing apparel through Cable TV home-shopping. The questionnaire was administered to 4y5 May through September in 1996 and the data were analyzed by using frequency, factor analysis, crosstab, 1-test, ANOVA, MANOVA, scheffe with utilizing SPSS/PC+ The results of this study were as follows: 1. The most favorite media in purchasing apparel through home-shopping was Cable TV in all over ages except 50's. Women showed Cable TV the most interested, whereas men showed printed media and computer on-line shopping as home shopping media. 2. Home-shopping favor in region' was higher than that of Seoul. In the degree of favor, college students showed the highest, followed by part time employees, housewives and full time employees. Those who lived individual houses in other than Seoul area showed higher purchasing intention. 3. Sweater item was shown as the highest purchasing interested item and coat/business suit items were shown as lower among 10 different apparel items. 4. Five dimensions of Perceived benefits of apparel purchasing through Cable TV were derived by factor analysis such as variety of merchandise information, purchase convenience, efficiency, saving time, and convenience of physical inactivity. The convenience of physical inactivity showed the most important benefit through Cable TV home-shopping. Perceived risk of apparel purchasing through Cable TV was factor analyzed as merchandise related risk, size and appearance related risk, delivery related risk, TV watching related risk, and unplanned purchasing related risk. The sixte and appearance related risk was shown as the highest risk.
The purpose of this research study is to analyze the effect of servicescape on customer orientation of skin beauty professionals. To attain the purpose, this study conducted self-administered survey of skin beauty professionals who have been working in Seoul cities and Gyeonggi provinces. by handing out total 438 copies of questionnaire. But 400 copies except for 38 ones of those respondents deemed to be unfaithful responses were analyzed and researched. A total of 400 questionnaire responses were used for data analyses. According to the results of factor analysis, Factor analysis revealed five factors of servicescape-surrounding factors, functionality, aesthetics, safety, and convenience- and three factors of customer orientation of beauty professional-understanding customer needs, beauty professional needs to offer services and meeting customer needs of beauty professionals. The result of regression analysis revealed that as for understanding customer needs of skin beauty professionals, convenience and functionality, safety and aesthetics has significant effects. All five factors of servicescape, safety, aesthetics, functionality, surrounding factors and conveniences, have significant effects on meeting customer needs. Regarding beauty professional needs to offer services, safety, functionality and convenience factor were significant factors. The study is to provide preliminary data on information useful in developing the method for managing and improving servicescape.
This study examined and analyzed the demographical characteristics of the study target and their expectancy level on the factors in selecting dental medical institutes (basic elements of dental clinics, traffic convenience, physical environment of dental clinic and explicit qualification of dentist) with the questionnaire survey method with 222 questionnaires answered and returned (return rate 88.8%) out of 250 copies distributed to the 1st, 2nd and 3rdyear college students attending technical colleges located in Cheongwon-Gun, Chungbuk, Korea from March 26 to April 7, 2009. The results of this study are as follows: 1. The demographical characteristics of the study target group consisting of 225 college students include 92.3% of age 20s (205 students); 123 males (55.4%) and 99 females (44.6%); the number of those who had at least one experience to visit dental clinic was 199 (89.6%) and 23 (10.4%) of those with no-visiting experience. 2. The descriptive statistics for the selection factor showed that basic elements, traffic convenience, physical environment and explicit qualification of dentist were regarded important as in order. In particular, the factors considered in selecting dental clinic was ordered from most to least in their importance beginning with cleanness of dental clinic as the most important factor, dentist's trustworthiness, kindness of medical staffs, low medical fee, dentist's knowledge level, modernized medical equipments and convenience in using medical facilities as the least. On the contrary, brand name of dental clinic, age, college, sex and appearance of dentist were rated low in order in terms of their importance in selecting dental clinic. 3. As for the difference in the selection factors across demographical characteristics, while male students placed importance on traffic convenience and physical environment of dental clinic, female students placed more importance on dentist's qualification and basic elements of dental clinic. With respect to the difference in the selection factors across the visiting experiences, while those with visiting experience regard traffic convenience more importantly, those without visiting experience regarded physical environment of dental clinic, dentist's qualification and basic elements of dental clinic. 4. In terms of pearson correlation coefficient, the result showed that all aspects in selecting dental clinic were positively correlated. Particularly, the correlation between physical environment of dental clinic and dentist's explicit qualification were correlated highest. Significant positive correlations were found high in traffic convenience, physical environment of dental clinic, dentist's explicit qualification and basic elements of dental clinic in order.
The Journal of Asian Finance, Economics and Business
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v.7
no.3
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pp.191-199
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2020
This study aims to investigate what selection attributes of customer value are more crucial when consumers choose the dessert at convenience store, which is the fastest growing retail format in Korea recently. Factors considered to be important when customers buy dessert, such as economics, diversity, convenience, and safety were examined and also relationship between customer value and satisfaction was analyzed. The survey was conducted through online (including SNS) from April 6, 2019 to April 30, 2019. A total of 303 questionnaires were used for empirical analysis. Factor analysis was performed to verify the validity and reliability of the measured variables. And the structural equation model (SEM) was used as a statistical method for hypothesis testing. As a result, factors as 'diversity', 'safety' were revealed to significantly affect hedonic customer value, while 'convenience' was shown to affect utilitarian customer value significantly. In addition, the path that customer value leads to satisfaction was also found to be significant. The result of the study suggests that selection attributes of convenience store dessert and providing meaningful implications of related hedonic and utilitarian values when customers purchase dessert at convenience store. This study provided practical implications for managers of the fiercely competitive dessert industry.
Journal of the Korean Society of Clothing and Textiles
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v.25
no.6
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pp.1057-1068
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2001
The purpose of this study was to clarify service quality of apparel stores and find out related variables. The related variables are contained customer's characteristics (shopping orientation, demographic characteristics), store types and store patronage behavior in apparel store. The subjects selected for the final analysis were 363 females aged from 20 to 59 who lived in Taejon. And the data were collected using a questionnaire and analyzed through factor analysis, ANOVA, cluster analysis, regression, Duncan test, Tukey test. The results of this study were as follows; 1. Services quality of apparel stores consisted of seven dimensions ; ability of salesperson, belief in policy, convenience of facility, attractiveness of physical environment, convenience of using credit cards, convenience of space movement. and apparence of salespeople. 2. Shopping orientation consisted of four dimensions; recreational shopping orientation, rational shopping orientation. convenience-oriented shopping orientation, price-conscious shopping orientation. Shopper types consisted of three dimensions ; recreational-economical type shopper, rational type shopper, convenience-oriented type shopper. Significant relationships were found out between those shopper types and service quality. Significant difference was caused by demographic characteristics(age, marital status, education, income. job) except for places of residence and service quality. 3. The significant difference was found out between store types and service quality. 4. Service quality(ability of salespeople. belief in policy, convenience of facility, convenience of using credit cards. apparence of salespeople) were influenced store patronage behavior.
The aim of this study was to classify Korean consumers based on their food-related lifestyle type, and to investigate the relationship between sushi consumption and food-related lifestyle type. Self-reported questionnaires were completed by 300 Korean adults. The SPSS 18.0 program was used to analyze the samples. Data was analyzed by frequency, descriptive factor, reliability, cluster analysis, ANOVA, and chi-square test. A factor analysis extracted four factors comprising foodrelated lifestyle, which we named Health-seeking (factor 1), Taste-seeking (factor 2), Convenience-seeking (factor 3), and Economy-seeking (factor 4). According to a cluster analysis based on those four factors, consumers were classified into three clusters. Cluster 1 was the Taste and Health-seeking cluster, Cluster 2 was the Convenience-seeking cluster, and Cluster 3 was the Passive Eating Habits cluster. The results also indicated that the selection attributes of each cluster were significantly different in terms of perception, the global state of sushi, sushi preference, frequency, companions, place of sushi consumption, and preference for different sushi sub-ingredients. Based on these results, consumer characteristics in the sushi market are discussed.
The purpose of this study is to analyze the gap in perceived importance-satisfaction rates of foreign Chinese students regarding the university foodservice selection attributes. All statistical analyses are conducted by the SPSS package program (ver 20.0). The results of the statistical analyses are as follows: The validity of the 22 food service selection attributes is being evaluated via the exploratory factor analysis and then five factors are extracted. The five factors are: 'Factor 1. Cleanness and service quality', 'Factor 2. Food quality and price', 'Factor 3. Physical environment', 'Factor 4. Convenience', and 'Factor 5. Service environment'. According to the results of one-way ANOVA, physical environment showed that significant differences across the periods of residence in Korea and the eating frequency at on campus foodservices. On the other hand, the food quality and price, convenience, and service environment showed that significant differences across the periods of residence in Korea. In addition, according to the Importance-Satisfaction Analysis results, 'ventilation of dining room' is the key aspect that university food service managers should reinforce. In conclusion, in order to increase the customer satisfaction rates, the food service managers should not only improve the quality of food and service but also the physical environments of the food service facility.
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