• 한국전자통신학회논문지
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• 제6권6호
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• pp.921-928
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• 2011

베이비붐 세대의 은퇴와 더불어 이들 세대가 점진적으로 고령계층에 진입함에 따라 향후 주택수요 감소 및 보유자산 처분 압력이 증가하는 등 주택시장 내에 일대 변화가 예고되고 있다. 이러한 배경 하에 본고에서는 우리나라 베이비붐 세대의 특성과 가계자산 구성 현황 등의 분석을 통해 베이비붐 세대의 은퇴가 주택시장에 미치는 영향을 분석하였고, 이를 토대로 금융권의 대응방안을 모색하여 제시하였다.

• 지식경영연구
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• 제20권4호
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• pp.99-118
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• 2019

Online financial counseling services are increasingly expanding with the rise of artificial intelligence-based chatbots. It is very important to examine the effects of emoticons noted as alternatives for communicating emotions in online communication between consumers and companies. In this paper, we examine how the use of emoticons affects the consumer's response and investigate the moderating roles of type of counseling agents (human vs. chatbot) and the consumer's subjective financial knowledge. The results show that the use of emoticon in the conversation brings a positive effect on the consumer's intention to use of online chat counseling service. When participants had relatively low subjective financial knowledge, they had higher intention to use online chat counseling services with emoticons only when the agent type was chatbot. When the type of counseling agent was human, this positive effect of the emoticon did not occur. On the other hand, when participants had relatively high subjective financial knowledge, they had higher intention to use online chat counseling service with emoticons only when the agent type was human. This study contributes to providing practical implications to build online chat counseling service using chatbot in the financial industry by studying users' intention depending on the type of agents and the level of their subjective knowledge.

• 대한가정학회지
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• 제37권3호
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• pp.63-84
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• 1999

The purpose of this study was to explore how family type based on intra system dynamics explained housewives'objective and subjective family financial well-being. The data were collected by means of questionnaire distributed to a stratified sample of 662 housewives in Seoul who usually managers household finances. The questionnaire included family cohesion and adaptability scale, communication scale, financial management scale, and subjective family financial well-being scale. Frequency, percentile, mean, Х$^2$ Pearson’s correlation, one-way ANOVA, multiple regression were used to analyze the data. The study had resulted in five major findings: 1. Among four intra system dynamics elements were highly relationships 2. Families were categorized tv four types, named personal-oriented(N: 164), managerial-oriented(N=169), dynamics(N=154), and non-dynamic(N=134) family. 3. The four types of family were influenced tv age of housewives, duration of marriage, and job status of husbands. 4. The four types of family were significantly related with subjective family financial well-being. The personal-oriented family type was significantly related with objective family financial well-being. 5. The dynamic family type showed the highest effect of subjective family financial well-being. The personal-oriented family type showed the greatest effect of objective family financial well-being. The recommendation for future research and better ways to enhance level of intra system dynamics elements and family financial well-being.

• The Journal of Asian Finance, Economics and Business
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• 제9권7호
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• pp.231-237
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• 2022

Intellectual Capital, a valuable intangible organizational asset, is primarily linked to a company's financial performance and is divided into three categories: human, structural, and relational capital. This paper investigates the impact of intellectual capital on the financial performance of selected Pakistani companies in the Information and Communication sector, as this sector is heavily reliant on intellectual capital. The data for 11 firms was gathered from the State Bank's Financial Statements Analysis of Companies Listed on the Pakistan Stock Exchange from 2015 to 2020. Pulić's (2004) Value Added Intellectual Coefficient (VAICTM) has been used to assess a company's IC efficiency. VAIC^TM and its components, the efficiency of intellectual capital, and the efficiency of capital employed are calculated. Financial performance is measured through return on assets, return on capital employed, and asset turnover ratio. Multiple regression, fixed-effect, and random-effect Panel Data estimation are used in the empirical study. The findings suggest that intellectual capital efficiency has a large impact on major profitability metrics, but little effect on company productivity. It can be inferred from the results that the companies must invest in advanced technology, the latest machinery, and well-equipped offices to improve financial performance and productivity and gain a competitive advantage.

• Asia pacific journal of information systems
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• 제29권1호
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• pp.117-143
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• 2019

Advances in information technology (IT) bring about technological innovation in financial businesses, referred to as financial technology (fintech), beyond the traditional financial industry. While fintech implies more convenient and various financial services to customers, it leads to more complexity in the financial sector, as different industry players (e.g., IT firms) can participate in financial businesses. The complexity of fintech causes controversial issues related to policies and the appropriate development direction. In order to provide insight into the current state of fintech, this study explores the fundamental understanding of the fintech phenomenon from the perspective of the major stakeholders (i.e., financial authorities, financial companies, IT firms) in South Korea. This study analyzed news articles, where those stakeholders expressed their arguments, by using a content analysis. The study also conducted an intensive examination of their arguments by using a core-periphery approach of social representations. This study found that while the three beholders had a common opinion on deregulation of the fintech industry, each of them had different knowledge of the phenomenon. By revealing each beholder's structure of representations of fintech, this study not only provides common knowledge regarding fintech but also explicates the perceptual gaps among stakeholders. Findings of the study offer a big picture of current fintech initiatives, which can be useful knowledge for future research on fintech.

• 한국정보통신학회논문지
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• 제24권5호
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• pp.670-673
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• 2020

Recent advances in artificial intelligence have allowed for easier sentiment analysis (e.g. positive or negative forecast) of documents such as a finance reports. In this paper, we investigate a method to apply text mining techniques to extract in the financial report using deep learning, and propose an accounting model for the effects of sentiment values in financial information. For sentiment analysis with keyword detection in the financial report, we suggest the input layer with extracted keywords, hidden layers by learned weights, and the output layer in terms of sentiment scores. Our approaches can help more effective strategy for potential investors as a professional guideline using sentiment values.

• 한국인터넷방송통신학회논문지
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• 제15권4호
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• pp.25-31
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• 2015

핀테크(FinTech: Financial Technology)는 IT 기술을 이용하여 금융 서비스를 효율적으로 만드는 기술로 정의한다. 핀테크 기술은 빅 데이터와 IT플랫폼을 통한 혁신적인 기술이며, 기존의 금융시스템의 보안성 및 문제점을 개선하는데 크게 개선할 것으로 기대되고 있다. 국내의 금융기관에서는 효율성 있고 안전한 서비스를 사용자로부터 제공하기 위해 기술도입과 투자를 하고 있다. 그러나 금융환경에서는 정보유출, 보안사고가 발생하여 고객의 신뢰를 얻지 못하고 있으며, 신규 및 변종의 보안위협 및 공격기법이 발생하고 있다. 그러므로 본 논문에서는 핀테크 환경에서 사용자로부터 안전한 결제 시스템에 관하여 연구하여 인증기법을 설계하도록 한다. 제안된 논문은 금융환경에서 발생한 공격기법에 대해서 안전성을 분석하여 기존의 시스템과 보안성을 평가하였다.

• 한국인터넷방송통신학회논문지
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• 제15권6호
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• pp.25-30
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• 2015

금융기관 보안의 가장 큰 화두는 정보에 대한 유출이다. 시중 대형 은행을 비롯한 금융기관에서도 각종 해킹과 취약점을 통하여 빈번이 유출하려는 시도를 받고 있고, 이 정보의 중심은 금융기관이 보유하고 있는 고객의 개인정보 이다. 금융기관의 보안 담당자들이 개인정보 유출 방지를 위해 다각적으로 노력하고 있으나 실상은 어떤 개인정보가 어디에 있는지도 모르는 경우가 많음을 이번 논문을 준비하며 더욱 확실하게 알게 되었고, 어디에 있는지 알고 있다고 추정을 하여 검색하더라도 다른 곳에서의 발견이 빈번하며, 일일이 수동으로 검색하여 인적/시간적 낭비가 많아 IT컴플라이언스 대응이 어렵다. 본 논문은 개인정보의 주요 보관소인 PC 및 Server를 주기적으로 자동화된 시스템으로 점검 관리하여 개인정보 유출 방지 및 IT컴플라이언스 대응에 효율성을 극대화 하고자 함이다.

• International Journal of Internet, Broadcasting and Communication
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• 제13권2호
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• pp.1-6
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• 2021

For competitive hotel business, the hotel must have a sound prediction capability to balance the demand and supply of hospitality products. To have a sound prediction capability in the hotel, it should be prepared to be equipped with a new technology such as quantum computing. The quantum computing is a brand new cutting-edge technology. It will change hotel business and even the whole world too. Therefore, we study the impact of quantum computing on supply chain management (SCM) and hotel performance. Toward the goal we have developed the research model including six constructs: quantum (computing) prediction, communication, supplier relationship, service quality, non-financial performance, and financial performance. The result of the study shows a significant influence of quantum (computing) prediction on hotel performance through the mediating role of SCM in the hotel. Quantum prediction is highly significant in enhancing the SCM in the hotel. However, the direct effect between the quantum prediction and hotel performance is not significant. The finding indicates that hotels which would install the quantum computing technology and utilize the quantum prediction could hugely benefit from the performance improvement.

• 한국정보전자통신기술학회논문지
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• 제14권1호
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• pp.70-77
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• 2021

본 논문에서는 산업연관표와 한국표준산업분류를 비교하여 4차 산업혁명 관련 산업을 제조업, 정보통신서비스, 금융 및 보험서비스 그리고 과학기술서비스 4부문으로 재분류하였다. 그리고 수요유도형 모형을 이용해 4부문 산업을 외생화하여 경제적 파급효과를 분석하였다. 생산유발효과, 부가가치유발효과, 취업유발효과에 대한 분석결과, 제조업, 정보통신서비스 그리고 과학기술서비스 부문에서는 도소매 및 상품중개서비스가 큰 것으로 계측되었고, 금융 및 보험서비스 부문에서는 금융 및 보험서비스가 큰 것으로 분석되었다. 수입유발효과는 4차 산업 모든 부문에서 광산품이 가장 큰 것으로 분석되었다. 전후방연쇄효과 분석결과, 제조업과 정보통신서비스 부문은 경기변동에 민감한 중간수요적 원시사업형이고, 금융 및 보험서비스와 과학기술서비스 부문은 최종수요적 원시사업형임을 확인하였다.