• 한국생활과학회지
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• 제5권2호
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• pp.99-107
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• 1996

This study has been peformed on the consumption tendency, and knowledge and cognition of credit cards among college students. A total of 327 subjects from the college students was surveyed in Pusan area. The major findings of this study were summerized as follows; First, the rate of credit card possession of the students was 19.6%. The card possession showed significantly different in age, personal expense, income. Second, the level of knowledge of the credit card was low(23.1 points). Also, the level of knowledge was significantly different in sex, age, major, personal expense, income and credit card ownership. Third, the cognition of credit cards was medium(51.3 points). The cognition of the credit cards was significantly different only in the card possession. Fourth, the behavior of credit card was not significantly different in the group. Fifth, there were significant relationships between the knowlege and cognition. This result implied that the group with higer levels of knowlege tended to show more favor of credit cards. For the rational consumption of the college students, the students need to be educated about advantage and disadvantages of the credit cards.

• 가정과삶의질연구
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• 제23권2호
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• pp.77-91
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• 2005

The purpose of this study is to investigate general tendencies in credit card use, and determine the causes of the use of cash advance service and deferred payment among college students. Socio-demographic variables(gender, year in college, allowance, family income, parents' education and occupation, having taken a personal financial management course), knowledge and attitudes toward credit card, and financial management practices were incorporated as antecedent variables. Logistic regression analysis and multiple regression analysis were conducted to test the hypotheses. The results were as follows ; First, $32\%$ of the college students with no regular income experienced deferred payment, and $60.4\%$ of them had used a cash advance service. Second, the frequency and amount of cash advance service use were affected by family income, financial practices, and allowance. The financial practice as a parameter was affected by their completion of a personal finance course and their allowance. Third, deferred payment of credit was affected by their knowledge on credit cards and their financial practices. The financial practices as a parameter were affected by the family income and their completion of a personal finance course, and the knowledge on credit cards was affected by gender. Lastly, implications and suggestions for credit card use behavior research and consumer credit education are discussed in this article.

• 가정과삶의질연구
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• 제27권6호
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• pp.95-109
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• 2009

This study focused on the development of a scale to measure the ability of consumers to use credit cards. The purposes of this study were to develop a tool which would be able to measure consumer knowledge, consumer skills and consumer attitudes. Data were collected from 313 credit card using consumers and were analyzed by employing a goodness of fit test, principal component analysis & confirmatory factor analysis(Amos 5.0), multiple regression. The results from this study were as follows: 1) Six factors of consumer knowledge(16-items) were identified: damage salvation; credit delinquency; personal credit information; credit provision period; credit & credit card issuance; credit delinquent striking out a record & credit rating. The total variance was 55.86%. 2) Three factors of consumer skills(17-items) were identified: credit delinquency & over-consumption; credit card management; and loss & damage salvation. The total variance was 62.90%. 3) Three factors of consumer attitudes(16-items) were identified: credit delinquency & credit; credit card issuance & use; and credit card management. The total variance was 58.75%.

• 유통과학연구
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• 제21권11호
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• pp.67-75
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• 2023

Purpose: The study is focused on understanding consumer behaviour related to credit card use in retail payment or identifying factors that influence risk perception. Research design, data and methodology: Based on data collecting from structured self-administered questionnaires of 247 Vietnamese bank account payers, this study uses the Cronbach alpha analysis, the factor analyses, the structural equation modeling to assess the research's measurement model and structural model with the presence of knowledge, propensity to trust, self-efficacy, risk perception, intended use and their complex, intertwined relationships. Results: The results reveal that customer's perceived risk, which is affected by their self-efficacy and propensity to trust, negatively impact on their intended use of credit cards in retail payment. However, there is no evidence of the significant influence of consumer knowledge on how they assess potential losses of credit card. Conclusions: These findings provide a better understanding of consumer risk perception, its antecedents and consequence in a direction of credit card adoption. Bank managers or marketers should focus on increasing the information about credit cards and issues related to credit card use in retail payment, promoting mechanisms to encourage customers to participate in the credit card experience.

• 가정과삶의질연구
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• 제10권2호
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• pp.245-261
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• 1992

The Purpose of this study is to find out ;Which is the recognition of housewives abut the credit cards as a financial tool\ulcorner by what kind of motive is the use made\ulcorner How important the using credit card in the financed to household\ulcorner For this purpose, a survey was conducted by interview using questionnaire. The data were analyzed by frequency , percentage, arithmetic mean, standard deviation, x2 -test, ANOVA, correlation, multiple regression using SPSS/PC+ linear structural relationship using LISREL VI program. the conclusion deduced through result of data analysis and the discussion are as follows; First, in the respondent housekeeping, monthly average repayment of credit card is about 1/3 of the living expenses. Second, the knowledge of respondents about credit card was low generally Third, respondents use credit card by the motive of circulating money rather tan the motive of convenience. Fourth , generally respondents are not overdue the charge of credit card, but the smaller the cost of living is or the larger the motive of using credit card, the more overdue the charge of credit card. Fifth, as a result of linear structural relationship among the information credit card, motive of use and management behavior, the motive of using credit card effect on the management of credit card more directly than the knowledge of credit card. Sixth, as credit card is spread widely on the future, the information of credit card will be important variable on the personal credit and the management of credit card will be more important in the household financial management.

• 대한가정학회지
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• 제41권12호
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• pp.117-132
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• 2003

This study aims to develop an educational program in using credit card for undergraduate students. In order to achieve this aim, a processor has been followed. first of all, a fundamental work to select the educational contents was Preceded with a survey of learners' needs, case studies of counselling at Consumer Protection Board, and preceding studies. After choice of educational contents, learners' demands on how to manage the educational program was executed in advance. Second, reflecting the above mentioned educational contents, a concrete educational program was built. Based on the constructed plans, both preliminary training and main training were proceeded. Third, to evaluate the effects of the educational program, the knowledge difference, behaviors and attitude changes were all diagnosed. The result suggested that the educational effect was significant in all evaluations section. At last, final program of using credit cards was completed.

• 대한가정학회지
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• 제40권4호
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• pp.85-103
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• 2002

The purpose of this study is to examine determinant to purchase decisions by consumers using the home shopping of cable TV. For the purpose accomplishment, this researcher surveyed demographic characteristics of cable TV users to determine what differences in types of goods purchased by the users were made in accordance with the characteristics. Findings from the study may be reflected in bisiness policies seeking the fulfillment of consumer needs, and be used as a basic information for the establishment of consumer policies pursuing increased qualities of consumption life by providing information on goods shown through the of home shopping on cable TV. The result of the study can be summarized as follow. First, purchased goods were greatly different in their types depending on demographic characteristics of consumers such as gender, marital status, age, educational backgrounds, income and jobs. Second, experiential characteristics of cable TV users including holding or non-holding credit cards, main channels used, the main time of watching cable TV and purchase frequency per year contributed to differences in types of purchased goods. Third, factors influencing purchase decisions were somewhat different according to types of goods. However, previous purchase experiences were most influential irrespective of the types. The result as described so far suggests that previous purchase experiences by consumers raised their chances of repurchase by removing possible risks perceived by consumers. Based on the result as above, the researcher would make the following conclusion. First. companies operating the of home shopping on cable TV should increase satisfaction by consumers by providing reliable goods and information to them. In this sense, those companies need to establish marketing strategies that vary according to demographic characteristics of consumers and at the same time provide product information necessary for fulfilling consumers' requirements. Second, consumers should be moderate in the use of credit cards to avoid unplanned purchases via home shopping on cable TV and have some knowledge to solve problems related to goods and to the use of credit cards.

• 한국생활과학회지
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• 제15권6호
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• pp.999-1014
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• 2006

The purpose of this study were to develop a financial management educational program for college students and to evaluate the effect of this program. In order to achieve this aims, a fundamental work to select the educational contents was preceded with a survey of learners' needs, preceding studies. After choice of educational contents, learners' demands on how to manage the educational program was executed in advance. The participants in this study were 500 students, resulting in 460 with usable data. Second, reflection the above mentioned educational contents, a concrete financial management educational program was built. This program consists of 9 domains: financial planning, careers and income, consumer spending, credit use and Credit cards, Managing Taxes, investment planning, risk management and insurance, retirement and estate planning, contribution. The participants for this program implementation were 68 students. Third, to evaluate the effects of the financial management educational program, paired t-test was conducted in using the SPSS package. The result suggested that financial management educational program has a positive effect on financial knowledge, financial attitude and financial management behavior. Several implications based on the findings were suggested.

• 간호행정학회지
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• 제9권3호
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• pp.429-445
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• 2003

Purpose : The present study attempted to consider the degree of consciousness of economic ethics in nursing students and the factors affecting these perceptions. Method : A survey was conducted to a total of 874 nursing students from the freshmen and seniors of 11 depts of nursing science nationwide selected by convenience sampling (one for each province, and as for Gangwon-do, two schools were selected from Yeongdong area and Yeongseo area ; 13 male students were excluded). A structured questionnaire was used to collect data on their demographic characteristics and economic ethical perceptions. Collected data were analyzed using the SAS V8.1 statistical package. Result : (1) The score for the economic ethical consciousness of the subjects was $36.76{\pm}10.20$. As for each sub-categories, the score for industry was $7.67{\pm}2.77$; thrift, $7.42{\pm}2.37$; cooperation, $7.41{\pm}2.21$; occupational consciousness, $7.18{\pm}2.20$; and, for consumption, $7.02{\pm}1.90$. The score for the consciousness of consumption was the lowest. (2) Among the demographic characteristics of the subjects, age was found to have a statistically significant positive relation to the consciousness of economic ethics(r=.13, p<.001). The next significant factor was grade: seniors seemed to have a higher economic consciousness in all the sub-categories than freshmen(t=-4.32, p<.001). The number of in-home family has a statistically significant negative correlation with economic attitudes(r=-.15, p<.001). In addition, their economic ethical perceptions were significantly higher with no religion (t=2.14, p<.05); have an unemployed father (t=2.78, p<.05); have credit cards under their own names (t=3.04, p<.05); have ever had overdue card bills (t=4.25, p<.001); have ever had part time job(t=1.74, p<.1) and when they don't live with their parents (t=-2.01, p<.05). 3) A multiple regression analysis was conducted to examine the influential power of the factors affecting the consciousness of economic ethics of the subjects. The factors had more influence on the economic attitudes of the seniors than those of freshmen; in those who having credit cards under their own names than under others; and, in those who have ever experienced credit default than those haven't. Though these factors raised average 3.0 points of economic consciousness, their expository power for the consciousness were low. Conclusion : The nursing students had medium-high consciousness of economic ethics and they seemed to have low consciousness of the proper consumption practices. Their actual life experiences had an influence on their economic attitudes. Therefore, practical programs on economic knowledge should be developed and taught to students systematically at school so that they could have sound consciousness of economic ethics and appropriate knowledge closely related with their real life.

• 지능정보연구
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• 제25권2호
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• pp.1-23
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• 2019

소비자의 니즈가 다양해지면서 데이터 마이닝과 고도화된 고객관계관리(CRM) 기법을 활용한 체계적인 마케팅 서비스를 제공하는 기업이 증가하고 있으며, KB국민카드는 고객의 결제 데이터 등을 활용하여 고객 개개인의 니즈를 충족시키고 소비자의 평생가치를 극대화하기 위한 전략을 강조하고 있다. 실시간으로 고객의 카드이용과 고객 행동, 위치 정보 등을 감지하여 진행하는 고효율 마케팅 운영시스템인 스마트 오퍼링 시스템을 운영하고 있으며, 다양한 앱 등과 결합하여 더욱 정교화된 서비스를 제공하고 있다. KB국민카드는 스마트 오퍼링 시스템의 성공과 지속적인 성장을 위해 고도화되고 있는 ICT 기술과 인재 확보를 위한 투자를 진행해야 하며, 장기적인 관점에서의 수익확보를 위한 전략을 확립하여 체계적인 진행이 필요하다. 특히, 프라이버시 침해와 개인정보 유출 등의 문제가 쟁점이 되는 현재 상황에서 고객 정보를 활용한 마케팅에 대한 고객의 인식을 긍정적으로 유도하고, 보안성을 강조하는 기업 이미지 형성을 위한 노력이 필요하다. 본 연구는 CRM 전략의 변화 과정을 통해 현재 카드사의 실시간 CRM 전략을 KB 국민카드의 빅데이터 활용전략과 마케팅 활동을 통해 확인하고자 한다.