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Factors Affecting Cross-Buying Intentions in the Banking Industry (은행서비스 산업에서 교차구매 의도의 영향요인에 관한 연구)

  • Kim, Jihea;Kim, Sanghyeon
    • Asia Marketing Journal
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    • v.11 no.3
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    • pp.57-89
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    • 2009
  • This study aims to shed light on the new insights on the cross-buying intentions in the banking industry and suggests an integrated model of the cross-buying intentions. Recently with globalization in the financial sector, financial companies are trying to retain current customers and attract new one by developing various financial products. In South Korea, this trend is especially apparent in the banking sector. Cross-selling of various financial products such as beneficiary certificates, bankasurance and etc. is becoming more important in retaining competitive advantage in Korean banking industry. However, there are few studies which are trying to find out the factors affecting cross-buying intentions and explain their interrelationships comprehensively. Based upon the previous studies, this study finds out the factors affecting cross-buying intentions and classifies them into two dimensions: affective and instrumental. Affective dimension includes trust, satisfaction and commitment. Instrumental dimension includes the factors such as geological convenience, one-stop convenience, professionality, and direct mail. The results from this study are as follow. All the factors in the affective dimension(trust, satisfaction and commitment) have significant impacts on cross-buying intentions. Also all the factors in the instrumental dimension(geological convenience, one-stop convenience, professionality, and DM) significantly affect cross-buying intentions. Some implications of this dissertation are as follow; First, this study identifies the antecedents of cross-buying intentions comprehensively. Second, this paper provides practical guidelines for the banks attempting to intensify cross-selling activities. Third, banks need to develop sophisticated plans which can consolidate the emotional ties with customers through positive service experiences as the affective dimension is important in influencing cross-buying intentions. Finally, regarding the instrumental dimesnion, the implications are: 1) Developing various new financial products in addition to traditional product such as deposits and installment savings for improving customer convenience, 2) Enhancing the professionality of employees by strengthening education programs on numbers of financial products, 3) Increasing cross-buying intentions through the DM.

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A Study on students' consciousness regarding their plans after graduation Education of Guard and Security Major (경호관련학과 대학생의 진로의식에 관한 연구)

  • Kim, Chang-Ho;Jung, Jsug-Suk;Lee, Young-Oh
    • Korean Security Journal
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    • no.11
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    • pp.21-36
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    • 2006
  • This study aims to grasp the general conditions regarding university students in security related majors in Korea. Followings will be covered here: what motivated them to choose those majors, how much are they satisfied with major curriculum course after matriculation, whether they got jobs through the education, what is their consciousness on their majors, jobs, and courses like, and what effects their job preference. And this study also aims at helping the students with their future plans such as admission to a school of higher grade and choosing their job. For this study, we distributed 340 cpoies to the students in security related majors at 4 four-year colleges and 1 two-year college, and collected 298 copies by means of quota sampling method. For collected questionnaires, we used individual T-test verification and one-way ANOVA analysis to grasp the situation. Significance standard for the test results was set as p<0.05. Following are the test results. First, the analysis on students' satisfaction rate resulted in male students' average of 2.42, compared to female students' average of 2.10, which shows female students have higher satisfaction rate in choosing their majors than male students. Secondly, The results on analysis of satisfaction rate on their curriculums, classes, and majors show that students in security-related majors showed different satisfaction rate and different averages according to their sex and the year of the college. The study indicates that males have higher satisfaction rate on curriculum than females, with male students' average of 2.63 and female students' average 2.88. According to the year of the college, there was a significant difference statistically, Statistics show that students at two-year college have higher satisfaction rate than those at four-year college, with two-year college students' average of 2.48 and four-year college students' of 2.74. students have the average of 3.56. The higher year they were in, the more improvement the curriculum required. When it comes to convenience offer for employment, male students expected more from school than female students, with males' average of 2.74 and females' average of 4.07. Male students marked higher than female students in the extent of job information offer, with males' average of 2.96 and females' average of 2.59. Fourthly, when students in security-related majors were surveyed on their consciousness of their future plans such as getting jibs, two-year college students had more certificates of qualification for employment than four-year college students. What they do preponderantly in preparation for employment was studying foreign languages, which took up 40.4%. And when they were asked on their confidence for employment, positive answers were far more than negative ones with the percentage of 39.6%, while negative took up just 14.0%. Fifthly, when it come to the students in security-related students' job preferences, 49.2% preferred safe job conditions in public security area and 34% preferred private guard or private security organizations. And in the public security area, the highest percentage of 28.6 preferred to work in presidential security service. In the area of private security, 21.2% showed interests in private guard and private security organizations.

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A study on the employment preparation cost and attitude of college student for Job-seeking (국내 대학생의 취업태도 및 취업준비 비용에 관한 연구)

  • Chung, Bhum-Suk;Jeong, Hwa-Min
    • Management & Information Systems Review
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    • v.33 no.4
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    • pp.1-19
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    • 2014
  • This Study focuses on the university students' job attitude and cost of employment preparation. Nowadays, many university and college students spend a big money improving their employment preparation such as studying on foreign language, getting various kinds of certificates and tooth correction, clothing etc. for employment interview. This study investigated the cost of employment preparation and Job attitude of the 484 students of universities and colleges, the analysis of the collected data was conducted with SPSS 12.0 program by using frequency analysis, factor analysis, reliability assessment, correlation test, t-test, one way ANOVA. The university students paid more costs of employment preparation such as a language training abroad, a private training, and clothing than the college students. Also, Allied social science students paid more costs of the language training abroad, and clothing than allied computer science and allied design students. The female students paid more money than male students for tooth correction. The costs of language training abroad, private training and clothing are affected the students' socioeconomic background of a home. Regarding the job attitude of students, the university students are feeling more positive than the college students of the employment efficacy and cognition of the education environment. As result, the differences in the cost of employment preparation by the university type, faculty major course, their sex, and socioeconomic background of a home. The student's employment-efficacy and cognition of the education environment are also differences between the university and the college students. So, to improve the job attitude, developing their ability for employment preparation, educational programs should be arranged in school and continuous researches are needed.

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Horticultural Therapy: Job Analysis, Performance Evaluation, and Educational Needs (원예치료사의 직무 및 수행평가와 교육요구 분석)

  • Kim, Soo-Yun;Park, Sin-Ae;Son, Ki-Cheol;Lee, Chan
    • Horticultural Science & Technology
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    • v.32 no.6
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    • pp.887-900
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    • 2014
  • This study was conducted to provide a job analysis for, and assess the job performance of horticultural therapists, as well as examine future educational needs. To this end, a chart developed using the DACUM method was chosen as the appropriate tool for the job analysis of horticultural therapists (Study 1). Based on the chart, a survey using an evaluation form was produced to investigate the current level of job performance and future required level of horticultural therapists (Study 2). A total of 8 duties and 45 tasks were classified to examine job performance, based on analysis of the DACUM Council (Study 1). These duties include A. Decide execution organization for horticultural therapy (HT) program, B. Diagnose and assess clients before starting the HT program, C. Plan HT program, D. Develop HT program, E. Prepare to implement HT program for each session, F. Implement HT program for each session, G. Implement overall assessment for HT program, and H. Develop oneself as a horticultural therapist. Their duties were broken down further into five to eight tasks per duty, totaling 45 tasks. Based on the horticultural therapist job performance sheet developed through this process, an assessment of the current job level of horticultural therapists was performed and future required level were examined (Study 2). The evaluation forms were sent to 779 horticultural therapists with level 1 or 2 certification via email or mail delivery. The analysis of 242 questionnaires (31.1%) revealed that horticultural therapists with level 1 certificates have a significantly higher job performance level for 34 of the 45 tasks. Regarding future required level, 20 out of 45 tasks were assessed as higher for level 1 horticultural therapists than level 2. In addition, a Borich formula was utilized to identify the priority of educational needs for the 45 horticultural therapist tasks. The results revealed the following top three tasks: H1. Receive feedback from the supervisor for the horticultural therapy program; A1. Distribute promotional materials about the horticultural therapy program; and H2. Submit a grant proposal for horticultural therapy program to organizations such as welfare foundations. The results of this study are anticipated to facilitate understanding and improve work conditions for current horticultural therapists or horticultural therapists-in-training. In addition, institutions that train horticultural therapists will be able to use this as basic research to develop a practical training curriculum.

Demand and Awareness of Dental Hygienists for Academic Credit Bank System According to Different Regions (지역별 치과위생사의 학점은행제에 대한 인식 및 요구)

  • Yang, Seung-Kyeong;Kim, Eun-Hee
    • Journal of dental hygiene science
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    • v.8 no.4
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    • pp.313-322
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    • 2008
  • The purpose of this study was to examine the awareness of dental hygienists in different regions about credit bank system and their needs for that. The subjects in this study were 312 dental hygienists in dental hospitals and clinics in Seoul, Gyeonggi province, metropolitan cities, Gangweon province and Gyeongsang province. After a survey was conducted in 2008, the collected data were analyzed with SPSS 11.5 program. The findings of the study were as follows: 1. In regard to perception of the credit bank system, 68.3 percent of the dental hygienists were cognizant of that. The dental hygienists from most of the geographic areas were aware of it, but all the forty three dental hygienists from Gangweon province who accounted for 13.8 percent didn't know about that. As for media by which they acquired information on that, many of the dental hygienists learned about it from their acquaintances (46.2%), but that was not the case for the dental hygienists from Seoul and Gyeonggi province. 2. As for expectations for the credit bank system, those from Gyeongsang province had the greatest expectations for that in six out of nine items, which included academic or job performance improvement, acquisition of credits, degree or certificates and access to new technology. 3. Concerning educational spending on the credit bank system, 18.9 percent and 8.7 percent from Seoul/Gyeonggi province and Gangweon province spent less than 30 thousand won, and 19.9 percent from the metropolitan cities spent 30 thousand to less than 50 thousand won. 4. As for the importance of the categories of their major in the credit bank system, those from Gangweon province attached the most importance to oral health education ($3.56{\pm}1.259$), and the dental hygienists from the metropolitan cities put the most stress on preventive treatment ($3.64{\pm}1.191$).

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