• 품질경영학회지
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• 제44권1호
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• pp.121-138
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• 2016

Purpose: Financial institute employees have various education programs for enhancing customer satisfaction. The purpose of this study is to explore critical factors that affect the service commitment in the financial institution and to propose the implication for employee's service involvement. Methods: This study is intended to identify how service quality of education, servicescape, and learning motivation affect the service commitment. The research model proposed in this study is tested via a survey of 322 employees for financial institution employees. Results: This study shows that tangibles, reliability, assurance and ambient condition, physical structure, symbolic artifacts and internal motivation, extrinsic motivation significantly influence education satisfaction. Tangibles, reliability and ambient condition, physical structure, symbolic artifacts and internal motivation significantly influence affective service orientation and that tangibles, reliability, assurance and extrinsic motivation significantly influence altruistic service orientation. It also verifies that education satisfaction affective service orientation, and altruistic service orientation positively affect service commitment. Conclusion: This study suggests critical factors to promote service commitment in the financial institute. It has focused on not only the service quality of education program, but also servicescape and learning motivation as the meaningful factors for increasing the employee's service involvement.

• 한국데이타베이스학회:학술대회논문집
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• 한국데이타베이스학회 2010년도 춘계국제학술대회
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• pp.127-139
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• 2010

Until now, systems in financial companies have been constructed and operated based on great mainframe proved being stability. But it has had many disadvantages since they only implement maintenance adding and changing function. So they need construction of new systems(development of critical application, integration of various service channel, management of customer data). In spite of great construction costs and high risk, it is necessary that they construct e-financial system. Nowadays financial institutions must actively offer services to customers. In other words, the key of service is being moved from providers to customers. In oder to develop and sell new products in a timely manner, integrated management about appropriate and valid customer data is needed. And new system that covers expanded area of work is needed since the original parts of the area is being broken gradually. In this paper, we search construction processes of e-financial system of Nonghyup to respond to new financial environment flexibly and actively, concrete contents about innovation activities of e-financial system and the cases of service utilization. Also, we suggest the development direction of e- financial system for Nonghyup following day.

• 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.

• 한국기술혁신학회:학술대회논문집
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• 한국기술혁신학회 2010년도 춘계 학술대회 논문집
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• pp.184-205
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• 2010

서비스산업이 경제성장을 견인하고 있으며 그 중 금융서비스는 큰 비중을 차지하고 있다. 따라서 서비스를 프로세스화, 표준화, 자동화하는 서비스 혁신을 통해 금융인프라의 생산성과 효율성을 증대시키는 것이 필요하다. 하지만 제조업과 달리 생산성, 품질, 혁신 등의 측정이 어렵기 때문에 과학적이고 체계적인 방법에 의한 서비스혁신이 요구된다. 본 논문에서는 기술보증기금의 기술평가시스템 구축 및 활용 사례를 통해 서비스사이언스를 활용한 금융서비스 혁신의 추진전략에 대해 모색해본다. 기술보증기금의 사례로 보아 성공적인 서비스사이언스를 활용한 금융 서비스혁신을 위해서는 고객 중심의 금융서비스 인프라 구축과 더불어, 조직문화 개선과 효과적 인프라 운용을 위한 routine 구축 등 전략적 기술경영 능력이 중요한 것으로 보인다.

• 한국정보시스템학회지:정보시스템연구
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• 제14권1호
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• pp.125-147
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• 2005

This research focused on the comparison of corporate business mokels to explain different financial performances on the eBusiness domain. Especially, because customers have the more buying [ower tha other business areas, customer value and the service quality were prepared for independent variables and operational margin which can be obtained by publicize report was used for a dependent variable in stead of the other variables dependent on human perception as well. As a result, this research found that the customer value measured by service quality concept impact on the financial performance of eBusiness corporation positively. To find out more delicate results, structural equation was used for statistical method using 324 survey samples on 10 corporations. Though data using for statistical analysis were divided into individual and corporate level and have the time gap between research time and financial performance publicized period, the value of this research is that the customer value and service quality concepts with very objective financial information were input for constructing a research model.

• 한국IT서비스학회지
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• 제8권3호
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• pp.1-14
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• 2009

Due to economic turbulence and fierce competition in the IT service industry, companies have been seeking breakthrough of offerings by investing in research and development (R&D). This paper aims to examine the impact of R&D expenditure size on financial performance focusing on Korean IT service companies. The expected growth rate of revenue and net profit in the upcoming two years were analyzed based on three groups according to different R&D expenditure rates using collected data from 100 of IT service companies. Unlike our presumptions, our finding presents a non-significant relationship between the R&D expenditure size and companies' financial performance. An interesting result among others is that all companies invested in R&D strongly believe there will be an increase of their financial performance in the future.

• 보건행정학회지
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• 제22권3호
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• pp.383-402
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• 2012

The purpose of this study is to investigate the factors affecting family caregiver financial burden of out-of pocket expenses for the nursing home service under Long-term Care Insurance System. We conducted a national cross-sectional descriptive survey from July to September 2010 to collect data based on the long-term care benefits cost specification. Total 1,016 family caregivers completed questionnaires. 185 subjects of total were excluded from the data analysis due to being answered by user(18 cases), or caregivers not to pay for services expenditures(122 cases), having a missing data on family caregivers characteristics(45 cases). Finally, 831 subjects were included in the study. The average financial burden was 3.18(${\pm}0.71$). We divided subjects into two groups by level of burden, high-burden group and low-burden group. In the result of the multiple logistic regression analysis, family caregiver financial burden was significantly higher in family caregivers with ages 40 to 49 compared to less than 40, lower educational level, unsatisfaction for long-term care service, high percentage(more than 50%) of cost-sharing and high total out-of pocket expenses(more than 300,000 won) for long-term care services. Also, Family caregivers who are spouse felt higher financial burden compared to son. This study is meaningful as the first attempt to measure family caregiver financial burden for long-term care service and to identify factors affecting the financial burden. Family caregivers felt financial burden of out-of pocket expenses for the nursing home service. The policy makers, the insurer, and the providers need to pay attention to ease family caregiver financial burden.

• 유통과학연구
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• 제17권11호
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• pp.73-79
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• 2019

Purpose: The purpose of this study was evaluated to compare the predictive power of distress prediction models by using discriminant analysis method and logit analysis method for food service franchise industry in Korea. Research design, data and methodology: Forty-six food service franchise industry with high sales volume in the 2017 were selected as the sample food service franchise industry for analysis. The fourteen financial ratios for analysis were calculated from the data in the 2017 statement of financial position and income statement of forty-six food service franchise industry in Korea. The fourteen financial ratios were used as sample data and analyzed by t-test. As a result seven statistically significant independent variables were chosen. The analysis method of the distress prediction model was performed by logit analysis and multiple discriminant analysis. Results: The difference between the average value of fourteen financial ratios of forty-six food service franchise industry was tested through t-test in order to extract variables that are classified as top-leveled and failure food service franchise industry among the financial ratios. As a result of the univariate test appears that the variables which differentiate the top-leveled food service franchise industry to failure food service industry are income to stockholders' equity, operating income to sales, current ratio, net income to assets, cash flows from operating activities, growth rate of operating income, and total assets turnover. The statistical significances of the seven financial ratio independent variables were also confirmed by logit analysis and discriminant analysis. Conclusions: The analysis results of the prediction accuracy of each distress prediction model in this study showed that the forecast accuracy of the prediction model by the discriminant analysis method was 84.8% and 89.1% by the logit analysis method, indicating that the logit analysis method has higher distress predictability than the discriminant analysis method. Comparing the previous distress prediction capability, which ranges from 75% to 85% by discriminant analysis and logit analysis, this study's prediction capacity, which is 84.8% in the discriminant analysis, and 89.1% in logit analysis, is found to belong to the range of previous study's prediction capacity range and is considered high number.

• 한국산업정보학회:학술대회논문집
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• 한국산업정보학회 2002년도 추계공동학술대회
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• pp.136-160
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• 2002

Most important to financial institutions is to provide well designed and built services to the customers by accessing their core bank systems and affiliated systems in their partners. This will be essential to introduce new products and services and still be able to count on legacy and collaborative affiliated systems. Winning the war on such service competitions among financial institutions is attainable by seizing the "e-bank" opportunities in B2Bi and CRM (Customer Relationship Management). Such application integrations among systems and "e-bank" services need to be available in the new IT environment. In this article, an If and service architecture adopting unified e-business services platform is proposed. This architecture is able to achieve application integrations among legacy, affiliated, and e-business systems and services. We derive an architecture in unified e-business services platform by investigating current and future e-business services platforms involved in domestic and global international banks. Several financial interchange standards which are involved in B2B business of e-procurement, e-placement, e-payment are also investigated.

• 한국IT서비스학회지
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• 제20권3호
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• pp.87-101
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• 2021

Since the introduction of block chain technology, its potential use in financial service area have been increasing, and financial firms are seeking ways to take advantage of the benefits of it. The purpose of this study is to present an approach to prioritize block chain-based services for bank. Toward this, we picked out potential financial services through focus group interview and derived the criteria that can be used in evaluating the priorities of block chain-based banking services in the same way. Then, we propose an analytic hierarchy process model to help decision makers prioritize the banking services while considering multiple criteria of technology issues, governmental regulations in the financial industry, cost, managerial issues, customers' needs, and the business opportunity for the bank. By using the analytic hierarchy process model, we can estimate the weighting coefficients to be assigned to each criteria and determine the order of priority in determining the best block chain-based service for the case study bank. The results show that banking login authentication would be forefront service, followed by money transfer, document notarization, and trade financing service in the order, and the trade financing could be most important service in terms of the business profitability for the bank in the future.