• 제목/요약/키워드: financial perspective

검색결과 489건 처리시간 0.024초

Integrated QR Payment System (QRIS): Cashless Payment Solution in Developing Country from Merchant Perspective

  • Nathan Eleazar Rafferty;Ahmad Nurul Fajar
    • Asia pacific journal of information systems
    • /
    • 제32권3호
    • /
    • pp.630-655
    • /
    • 2022
  • This paper examines the integrated QR code payment service (QRIS) adoption by retailers in Indonesia. Indonesia started its cashless journey in 2017 by using electric money in card form. As the country keeps developing, Indonesia has planned to integrate its payment towards a cross-border payment using QR codes by 2025 in the South East Asian region. Facing government vision, MSMEs that act as the significant economy wheel in Indonesia was required to be prepared to face the multi-cultural, multi-currency, and the new tech innovation for doing transactions. However, as a developing country, Indonesia faced significant problems with its infrastructure, which made it hard for merchants to access digital payment. As infrastructure was a common problem for developing countries, Indonesia also faced financial inclusion, lack of digital knowledge, a high amount of cash use, and socialization that made low digital payment penetration. Therefore, as there was a need to increase digital payment penetration for ASEAN integrated payment, this study found that merchant compatibility, facilitating conditions, trust, and relative advantages are drivers for MSMEs using this payment method. Further, this research provides propositions for banks, financial institutions, and governments to develop and evolve towards a cashless ecosystem, especially for a country lacking infrastructure.

웹과 연계된 공간디자인 연구동향에 관한 연구 (Study on Web-related Spatial Design Research Trend)

  • 안소미
    • 디지털융복합연구
    • /
    • 제12권8호
    • /
    • pp.481-492
    • /
    • 2014
  • IT산업과 공간디자인의 융합에 관한 종합적이고 체계적인 기본 자료를 마련하기 위하여 시도된, 본 연구의 목적은 웹과 연계된 공간디자인 분야의 연구 흐름을 분석하고, 연구 카테고리별 동향을 파악하는 것이다. 연구결과, 최근 5년간 웹과 연계된 공간디자인 연구는 감소를 보이고 있으나 새로운 가능성이 잠재된 상태로 분석된다. 초기의 다양한 디자인 정보에 대한 데이터베이스 구축 시도에서 최근에는 공간디자인교육과 디자인프로세스 측면의 IT기술과의 융합시도가 증가하고 있고, 공간 거주자는 디자인과 관리에 이르기까지 능동적 참여자로 변화하고 있으며, 환경적 측면에서 건물의 예측 및 관리에 대한 연구도 성장하고 있는 것으로 나타났다. 이에 근거하여 창의적 교육과 디자인프로세스, 친환경적 IT기술의 공간디자인 접목에 대한 다양한 연구와 정책적 지원이 요구된다.

BSC에 의한 농촌마을 그린투어리즘 성과지표 개발에 관한 연구 (A Study on the Development of Green-tourism Performance Indicators by Using BSC on Rural Village)

  • 엄대호;김대식;김태철;김은순
    • 농촌계획
    • /
    • 제12권3호
    • /
    • pp.43-55
    • /
    • 2006
  • Recently, increases of leisure activities and 5-day workweek system enforce government employ rural tourism policy and projects. Operating projects are Green Rural Experience Village, Rural Tradition Theme Village, etc. In this study under investigation of Green Rural Experience Village site, Green-Tourism performance indicators were developed. Green-Tourism performance indicators of rural village were developed by BSC(balanced scorecard) and AHP(Analytic hierarchy process). Four perspective of BSC are divided into financial perspective, customer, internal-business process, and teaming and growth perspectives. To develop green-tourism performance indicators of rural village, low perspectives of BSC are converted into investment effect, visitor, internal process, and village inhabitants perspectives. By these perspectives, green-tourism performance indicators of rural village were developed. Weighting values on importance were calculated by AHP. Performance indicators developed in this study applied in 12 villages. With the result, generally well-known villages gained high score, and in accord with survey content.

Development of an Electronic Greenhouse Gas Emission Management Platform: Managerial Implications

  • BAE, Deogsang;CHO, Yooncheong
    • 산경연구논집
    • /
    • 제11권11호
    • /
    • pp.7-18
    • /
    • 2020
  • Purpose: The Emission Trading Scheme (ETS), which enables structuring emission credits as a financial product, is taking a crucial position of global collaboration against climate change. Previous studies that have covered ETS subjects from the macro perspective contribute to facilitating legal enactment of this scheme. However, they have rarely addressed challenges aligned with issues arising from labor burdens for ETS works from the business perspective. Research Design, data and methodology: This study presents conceptual models that are expected to help design an electronic system. The study model contains four modules: emission allocation, data interface, reduction technology sharing, and emission trading. Two validation approaches, the Analytic Hierarchy Process (AHP) and regression analysis, are applied in confirming the feasibility of the proposed model. Results: This study suggests an IT system methodology to help improvement of the current K-ETS mechanism. In particular, this study addresses effectiveness for real businesses and the adaptability of this mechanism to other nations. Conclusions: The proposed IT platform diagram can contribute to successful operation of ETS by providing multiple benefits to participating companies through in-house allocation mechanisms, the soft-landing of ETS adoption to participating companies through reduction of technology-sharing, group purchases, and transaction costs through the trading system.

The Importance of the University Education System for Trade Workforce: the Person-Organization Fit Perspective

  • Kim, So Yeon;Moretti, Raul
    • 무역상무연구
    • /
    • 제56권
    • /
    • pp.57-76
    • /
    • 2012
  • As globalization accelerates and the trade environment rapidly changes, a more prepared trade workforce is required for the business world. The trade department is an important educational institution that educates and trains future trade talent. Thus, in the evolving trade environment, their role has significant implications for the economic growth of Korea. The present paper is a comparative study of the importance of the university education system in terms of the trade work force through the Person-Organization fit (P-O fit) perspective. We observe that the American trade education system is more oriented to meet and reflect the needs from the real world. It contains a support structure through various governmental organizations that offer financial incentives as well as educational opportunities through internships and other hands-on experiences. The trade education systems in universities in Korea are still static by comparison and are recommended to implement changes that will give students more practical exposure to trade. The governmental and business sectors are also encouraged to support universities in achieving these goals through building a strong cooperative network with university trade departments.

  • PDF

전원지역 회귀도시민의 거주만족도에 관한 연구 (A Study on Residential Satisfaction of Urban People returning to Rural Areas)

  • 윤준상;김준호;김성록;이종상
    • 한국지역사회생활과학회지
    • /
    • 제21권4호
    • /
    • pp.539-550
    • /
    • 2010
  • In this study, the living standard and satisfaction level of urban people who moved to rural areas researched. Through these criteria, we could analyze people's perceptions of the current rural life. We would like to present this study as a base for improvement for those who seek a better life in a rural environment. The result of this study is as follows; The specific goals and need of our target group depend on individual characteristics, occupation and age etc. Therefore, the support system should sensibly consider their personal needs. In addition to this, the flow of information between these people should be changed from theoretical perspective to factual perspective. The new rural tenants obtained information on rural life mostly from private channels such as their acquaintances. Organizations responsible for providing information do not offer useful factual information on agrotechnology and financial support. Nevertheless, they are mainly focused on conceptual and ideological information.

출연연구기관의 연구회 단위 기관평가제도의 적합성 분석 (Relevance Analysis of Performance Evaluation Systems of Government S&T Research Groups)

  • 남영호;김병태
    • 기술혁신연구
    • /
    • 제14권3호
    • /
    • pp.117-154
    • /
    • 2006
  • This research examines performance evaluatees' opinions regarding the current institutional performance evaluation systems of Government S&T Research Institutes (GRIs). Under the current evaluation systems, twenty GRIs are grouped into three Research Groups and each Group has its own evaluation systems. One problem of the current institutional evaluation systems is that the systems cannot reflect individual GRIs' characteristics. The following methods are used. First, based on four perspectives of Kaplan & Norton(1992)'s Balanced Scorecard(BSC) model, six perspectives appropriate to GRUs' characteristics are derived. Second, experts classify current performance evaluation measures into the six perspectives. This enables different evaluation systems of three GRI Research Groups to be compared under the same evaluation measures. Third, GRIs' evaluatees are asked to allocate appropriate weights on the performance measures. Evaluatees' weights of a GRI are compared with average weights of the related Group. Finally in every BSC's perspective, GRIs that have extraordinarily over-scored or under-scored weights are analyzed in terms of GRIs' missions, customers, capability of human resources, etc. In the Basic Research Group, the Korea Basic Science Institute is deviated in the financial perspective and the strategic direction perspectives. In the Public Research Group, Korea Institute of Construction Technology is significantly different from other GRIs in three perspectives. Five out of eight GRIs in the Industrial Research Group, GRIs are significantly different each other in several perspectives. It could be concluded that the current institutional evaluation systems are least appropriate in measuring performance of the GRIs of the Industrial Research Group.

  • PDF

The Belt and Road Initiative (BRI): Opportunities and Risks from Vietnamese Perspective

  • NGUYEN, Long Duc Bao;LY, Tracy Trang;TRAN, Doan Cong;TRAN, Ai Van;LE, An Quoc;HUDSON, Alan
    • The Journal of Asian Finance, Economics and Business
    • /
    • 제9권4호
    • /
    • pp.229-238
    • /
    • 2022
  • The goal of this research is to look at the Belt and Road Initiative's (BRI) goals, principles, and priorities, as well as criticisms and concerns. Another goal is to determine the Vietnamese government's best response to the BRI. Finally, the study looks at the Vietnamese viewpoint. Document review is used in conjunction with PESTELED analysis and EIU country risk model technique in this study. The study is focused on in-depth interviews with 38 top government leaders, researchers, and scholars by adopting the Delphi technique to determine major factors of risks and opportunities as well as obtain a clearer view on the Vietnamese perspective of the BRI. The main conclusion is that Vietnam's participation in the BRI could result in a variety of benefits and risks, including economic development, connectivity and integration, development finance, cooperation, coordination, trade facilitation, and people-to-people communication, as well as diplomatic and political risks, financial risks, environmental challenges, and job creation. Another conclusion is suggested that careful and case-by-case negotiation with China is needed for Vietnam to exploit the future benefits of BRI. There is a need to set up the strategy to mitigate the risk impacts, reduce the risk level, avoid risk, at last turn the risk into opportunities.

국내 경영혁신 활동의 핵심 성공요인 문헌 연구 - 6시그마, TQM, 린 6시그마, ERP, TPM, BPR, Project Management, System Engineering 중심으로 - (Literature Review of Key Success Factors of Management Innovation Actions in Domestic - Focused on Six Sigma, TQM, Lean Six Sigma, ERP, TPM, BPR, Project Management, System Engineering -)

  • 문제옥;윤성필
    • 품질경영학회지
    • /
    • 제44권3호
    • /
    • pp.639-648
    • /
    • 2016
  • Purpose: Existing precedent studies include success factors of individual management innovation activities constantly. However, those studies have limitations about the common key success factors of individual management innovation activities. Methods: For this study, we investigate the key success factors using literature research of the most typical management innovation activities adopted and implemented by many companies in Korea, such as 6sigma, TQM, Lean 6sigma, ERP, TPM, BPR, Project Management, System Engineering. Factors emerging repeatedly was combined into common factors and inherent factors that are necessary for the success of individual management innovation activities are designated to essential factors. Results: 'Essential factors for Six Sigma' consist of 5 items. Black belt operating system, personnel management system linkage, the correct management of the data, perform improvement projects associated with financial performance financial result, linked to financial performance improvement project, project progress management. 'Essential factors of TQM' are arranged 4 items. Quality team's independence and role, goal-setting, Quality Information System, corporate's philosophy of quality first. 'Essential factors of Lean Six Sigma' are the selection of value stream which is based on the customer needs and the value creation and identify the project based on the selected value in the company. 'Essential factors of ERP' are investigated 6 items. Ongoing system maintenance and upgrades, the measurement and support of user satisfaction, the operating systems and the policies for the maintenance, IT infrastructure, change adaption condition monitoring, focusing on improving business performance. 'Essential factors for TPM' are arranged 4 items. Motivated and energetic Bottom-Up, CEO's recognition of the importance facility management, long-term perspective of necessity and ongoing patience. 'Essential factors for BPR' are the pursuit of change process and the staff's sense of crisis management. 'Essential factors for Project Management' are the strategy that reduce the risk management skills through risk management and the understanding and organized management for the project participant's needs. 'Essential factors for System Engineering' consist of 2 items. The first is the design for the best balanced system with pre-analysis about the compromise the cost, schedule and the performance. The second is the analysis of large problem into small problems which can solved. We have found the solution considering components of the interface through the systematic perspective. Conclusion: Common factors and essential factors presented in this study will properly help to introduce the individual management innovation activities for the each business sector and implement management innovation. After this study, new literature research that reflect new studies should accomplish steadily.

부동산금융 유형별 익스포저 이연 사례 연구: Loan의 왜곡과 Value의 과대평가 문제를 중심으로 (A Case Study of the Deferred Exposure by Real Estate Finance Types: Focusing on the Distortion of Loan and the Overestimation of Value)

  • 정대석;황보창
    • 한국콘텐츠학회논문지
    • /
    • 제20권6호
    • /
    • pp.38-50
    • /
    • 2020
  • 본 연구는 저금리 상태에서 부동산금융과 금융기관이 부동산 가격에 영향을 주는 구조를 파악함으로써, 익스포저의 이연에 따른 잠재 위험 확대란 관점에서 금융기관이 부담하게 되는 위험을 밝히는 데 주목적이 있다. 이를 위해 부동산금융을 위험관리 측면에서 자금조달 방식과 가치 측정의 유형에 따라 분류하여 각 사례에 대해서 분석한다. 분석 결과, 수익형 부동산의 경우 자본환원율(이하 Cap Rate)을 하락시켜 공정가치의 산출방식에 직접 영향을 미침으로써 부동산 가격 상승에 영향을 주고, 비수익형 부동산의 경우 투자자 또는 금융기관의 레버리지 폭을 확대시킴으로써 부동산 가격 상승에 영향을 주고 있음을 알 수 있다. 본 사례 분석을 통해 최근 10여 년간 지속적으로 부동산 가격이 상승하고 있는 것은 금융시장의 선진화에 따른 부동산금융의 성장, 10여 년간 이어져 온 저금리 기조의 지속 등의 환경 하에 금융기관의 손실을 막기 위한 잠재 부실의 이연 등이 그 원인의 일부라고 판단되며, 이는 금융기관이 부담해야 할 위험의 증가로 연결된다.