• Asia pacific journal of information systems
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• v.14 no.2
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• pp.1-20
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• 2004

Finding the factors to affect the success of the business web sites is critical to enhance their competitiveness. This paper categorizes these factors into 4 quality measures: system, information, service and entertainment. The success is measured via user's satisfaction and loyalty. It surveys 474 Internet users to explore the effect of the quality measures on web site success. We confirm the causal effect of quality factors on users' satisfaction and loyalty. Furthermore, a comparative study is performed for web site types, such as finance, e-commerce(shopping mall), and entertainment. We note that the effect differs in web site types.

• Proceedings of the Korea Inteligent Information System Society Conference
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• 2003.05a
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• pp.349-359
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• 2003

Finding the factors to affect the success of the business web sites is critical to enhance their competitiveness. This paper categorizes these factors into 4 quality measures: system information, service and entertainment. The success is measured via user's satisfaction and loyalty. It surveys 474 Internet users to find the effect of the quality measures on web site success empirically. We confirm the causal effect of quality factors on users' satisfaction and loyalty. Furthermore, a comparative study is performed fur Web site types, such as finance, e-commerce (shopping mall), and entertainment. We note that the effect differs in web site types.

• Journal of the Korean Mathematical Society
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• v.56 no.4
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• pp.857-867
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• 2019

Suppose that G = (V, E) is a connected locally finite graph with the vertex set V and the edge set E. Let ${\Omega}{\subset}V$ be a bounded domain. Consider the following quasilinear elliptic equation on graph G $$\{-{\Delta}_{pu}={\lambda}K(x){\mid}u{\mid}^{p-2}u+f(x,u),\;x{\in}{\Omega}^{\circ},\\u=0,\;x{\in}{\partial}{\Omega},$$ where ${\Omega}^{\circ}$ and ${\partial}{\Omega}$ denote the interior and the boundary of ${\Omega}$, respectively, ${\Delta}_p$ is the discrete p-Laplacian, K(x) is a given function which may change sign, ${\lambda}$ is the eigenvalue parameter and f(x, u) has exponential growth. We prove the existence and monotonicity of the principal eigenvalue of the corresponding eigenvalue problem. Furthermore, we also obtain the existence of a positive solution by using variational methods.

• KIPS Transactions on Software and Data Engineering
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• v.2 no.12
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• pp.841-848
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• 2013

Nowadays, the finance changes so rapidly that the time period of developing a e-banking system has been shorter. As a result, the risk of developing in the new e-banking system has increased. Therefore financial institutions constantly ask to review the quality test of their system during the project development. However, from the developer's point of view, additional system quality inspection will delay the development time for a new project, so financial investors and developers, because this problem will cause conflict. In order to solve this problem, in this paper define priority that considered characteristics of e-banking system and thereby design range priority decision criteria for efficient code inspection. Even in the e-banking system development, it is expected that using newly designed range of code inspection will allow high efficient quality performance.

• The Journal of Asian Finance, Economics and Business
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• v.8 no.10
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• pp.129-138
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• 2021

Several studies have revealed that information on borrower characteristics plays an important factor in approving their credit requests. Though the extent to which such characteritics are also applicable to the case of fintech lending remain uncertain. The aim of this study is, thus, to investigate the determinant factors that influence MSEs in obtaining credit through fintech lending. Here, we emphasize virtual trust in fintech lending encompasing the dimension of social network, economic attributes, and risk perception based on several indicators that are used as proxies. Primary data used in the study was gathered from an online survey to the respondents of MSEs in Java. The result of the study indicates that determinants of MSEs in obtaining credit from lender through fintech lending are statistically influenced by internet usage activities, borrowing history, loan utilization, annuity payment system, completeness of credit requirement documents and compatibility of loan size with the business need. These factors have a significant effect on credit approval because they can generate virtual trust of fintech lender to MSEs as potential borrowers. It concludes that the probability of obtaining fintech loans in accordance with their expectations are influenced by the dimensions of social network, economic attributes and risk perception.

• The Journal of Society for e-Business Studies
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• v.23 no.4
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• pp.153-169
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• 2018

Previous e-financial anomalies analysis and detection technology collects large amounts of electronic financial transaction logs generated from electronic financial business systems into big-data-based storage space. And it detects abnormal transactions in real time using detection rules that analyze transaction pattern profiling of existing customers and various accident transactions. However, deep analysis such as attempts to access e-finance by insiders of financial institutions with large scale of damages and social ripple effects and stealing important information from e-financial users through bypass of internal control environments is not conducted. This paper analyzes the management status of e-financial security programs of financial companies and draws the possibility that they are allies in security control of insiders who exploit vulnerability in management. In order to efficiently respond to this problem, it will present a comprehensive e-financial security management environment linked to insider threat monitoring as well as the existing e-financial transaction detection system.

• The Journal of Asian Finance, Economics and Business
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• v.7 no.12
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• pp.1175-1184
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• 2020

This research examines the personal (i.e., Machiavellianism) and situational factors (i.e., tax climate) that are believed to be psychologically salient aspects in tax compliance. To the best of our knowledge, no research has been carried out to investigate the interaction effect of the two factors. This study uses a paper-and-pencil laboratory experiment 2x2 between-subject factorial design that involved 158 participants. The results indicate that a taxpayer who has a low Machiavellianism score or who is in a high synergistic tax climate reports a higher level of income. In the high synergistic tax climate, where tax norms apply, personal ethics do not play a significant role in tax compliance decisions. Where the synergistic relationship between taxpayer and authorities is low, personal ethics play an important role, i.e., low Machiavellians report a higher reported income than high Machiavellians do. This research contributes to the literature that deviates from the traditional model of tax compliance. Taxpayers are not always rational, but they might pay tax for reasons other than financial motives (Alm, 1991, 2018), that is, personal ethics in this study. This research implies the need for policymakers to consider other approaches rather than only relying on audits and fines.

• Journal of Information Technology Applications and Management
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• v.15 no.3
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• pp.91-110
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• 2008

Trust is emphasized as one of the most important factors in various e-commerce related studies. It is no exaggeration to say that in the area of e-commerce, trust-building with customers determines a company's success or failure. That is why most e-commerce based companies spare no time and effort in building trust with customers. Without exception, trust is one of the most critical factors influencing a customer's decision making process of whether to purchase Internet automobile insurance. This study attempts to provide useful guidelines for the sales-enhancing strategies of Internet automobile insurers, by delving into research questions concerning 1) gender differences in Internet automobile insurance customers' recognition of trust, and 2) gender differences in the effective trust factors influencing one's intention to purchase of Internet automobile insurance. The study finds that while the shape of trust-recognition toward three types of trust factors is very similar for both gender groups, the intensity of trust for each gender group in overall is pretty different. The results indicate that there exist gender differences in the trust factors influencing one’s intent to purchase Internet automobile insurance. The results of this study will provide useful guidelines for Internet automobile insurers in establishing effective and differentiated marketing strategies.

• The Journal of Asian Finance, Economics and Business
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• v.5 no.4
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• pp.107-116
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• 2018

The aim of this study is to delve deeper into the online brand community study. This study tests (a) the effects of online brand community on its outcomes, (b) the impact of value creation practice construct as a whole, (c) the effects of value creating practice construct on the two types of loyalty, loyalty toward the brand and the community. Participants of this study (N=353) are members of four types of online brand communities (e.g., business-to-consumer virtual product support community, firm-hosted online community, user-generated online community, peer-to-peer problem-solving community, and social media based brand community). Data were collected online using Amazon Mechanical Turk from April 10, 2016 to May 10, 2016. The data were analyzed through structural equations modeling using AMOS 20. The three community markers (e.g., consciousness of kind, rituals and traditions, and moral responsibility) and the four value creation practices (e.g., social networking, impression management, community engagement, and brand use) are proved to be significant indicators of online brand community and value creation practice constructs, respectively. Test results showed that strong and effective online brand communities generate value creation practices, and value creation practices enhance brand loyalty. The mediating effects of community loyalty between value creation practices and brand loyalty were revealed.

• The Journal of Asian Finance, Economics and Business
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• v.5 no.4
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• pp.101-105
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• 2018

Price discount is one of the commonly used promotion strategies to increase sales and revenue. If a discount is perceived before the purchase (i.e., pre-purchase discount), consumers are likely to perceive it as a potential gain. If it is noticed after making a regular-priced purchase (i.e., post-purchase discount), consumers may develop negative emotions and attitudes. Based on the rising transparency and omnipresence of price and discount information through web and mobile platforms, we attempt to tackle an understudied topic on the negative effect of post-purchase price discount. Specifically, post-purchase discount information may increase consumers' perception of monetary loss, which may affect consumers' decision to return the product, potentially increasing the operating costs borne by retailers. Based on a close scrutinization of the current market environment and previous academic literature, we suggest a novel conceptual framework to understand consumers' perception, attitude, and behavior (perception of loss, willingness to return) upon perceiving various formats of discount promotion (absolute value vs. percentage discount) posterior to the purchase of a product. We also look at the effect of price level (low-priced vs. high-priced). For marketing practitioners, we intend to suggest optimal promotion formats that can alleviate consumers' negative perceptions and prevent additional operation costs.