• The Journal of Information Systems
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• v.33 no.1
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• pp.115-131
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• 2024

Purpose This study aims to analyse the impact of the development of fintech and the emergence of internet primary banks due to the increasing use of smartphones on the performance of traditional local banks from both financial and non-financial perspectives. Return on equity (ROE) and return on assets (ROA) are used to assess the performance differences between the two types of banks and how these differences are affected by their financial characteristics. Design/methodology/approach Using return on equity (ROE) and return on assets (ROA) as indicators, we identified the differences in operating performance between the two types of banks. In addition, this study analysed the impact of financial characteristics on profitability through regression analysis with various control variables. We further studied the impact of non-financial characteristics (customer reviews, social media reactions, etc.) on operating performance. Findings The net interest margin ratio of local banks had a positive impact, while the marketable securities ratio of Internet primary banks had a negative impact. The non-financial analysis shows that the number of customer reviews and social media reactions have a significant impact on the performance of Internet primary banks, suggesting that customer satisfaction and positive market perception are important factors in the performance of Internet primary banks.

• Korean Institute of Interior Design Journal
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• no.32
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• pp.121-130
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• 2002

At the large commercial facilities, people try to grasp a customer's needs as the marketing strategies for effective management and maximization of profits as well as the primary purpose for functional and effective spatial plan. In planning the interior of each department, they try to provide the image of the interior environment corresponding to customer's emotional needs. And this kind of efforts also have been improved as visual merchandising strategies based on the transmission of visual information. This study is to examine the correlation among customer's behavior, circulation and VMD by gasping their shopping patterns at the department stores based on the spatial and emotional approach to form an environmental image of each department. The researcher focused on time, speed and rate of shopping that show customer's behavioristic characteristics and examine the factors to have an influence on decision making. With the result, this study proposes the primary data and evidence for MD planning, circulation planning and VMD planning of each department.

• The Journal of the Korea Contents Association
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• v.8 no.11
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• pp.225-234
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• 2008

The purpose of this study was to examine how Customer Value perceived by customers affected Customer Loyalty through Customer Satisfaction in Primary Care and to reveal the structural relationship of selected variables related to CRM. The major findings of the study were as follows: First, Convenience Value, Response Value and Reliability Value exerted an influence on Customer Satisfaction. Second, Customer Satisfaction affected Customer Loyalty that referred to Repurchase and Word-of-Mouth Intention. Third, Convenience Value, Response Value and Reliability Value had an effect on Repurchase through the perfect mediating role of Customer Satisfaction, and Convenience Value and Response Value exercised an influence on Word-of-Mouth Intention through the perfect mediating role of Customer Satisfaction. Reliability Value served to stir up Word-of- Mouth Intention even if there was no Customer Satisfaction.

• Asia-Pacific Journal of Business Venturing and Entrepreneurship
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• v.5 no.4
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• pp.95-111
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• 2010

The development of competitive new product is essential in competitiveness power of modern enterprises. The enterprises need to develop new products for its continuous growth. In this paper, a new product development process which reflect voice of customer in design of the product is suggested. Delighters in Kano's quality model are applied in primary design step. In the main design step, we analyze that whether Kano's primary satisfiers satisfy the customer needs which was found using Timko's customer satisfaction coefficient. It is shown that Kano's delighters and Timko's customer satisfaction coefficient are very effective in new product development.

• Journal of the Korea Academia-Industrial cooperation Society
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• v.10 no.9
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• pp.2435-2439
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• 2009

In this research we propose the need of implementing CRM systems to reactivate traditional retail markets, and analyze the primary factors for successful implementation of CRM systems. We derived 4 primary factors such as business management, customer management, service management, and facility management among 22 measurement factors. The characteristics of each primary factor are ; product planning and certification management activities are needed for business management factor. Privileged treatment policies for primary customers are regarded as needed. And the needs for total service in service management factor including from order to delivery and return are raised. Finally, improvements of convenient facilities for using traditional retail markets are needed.

• The Transactions of The Korean Institute of Electrical Engineers
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• v.59 no.10
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• pp.1792-1796
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• 2010

In this paper, the survey results of the interruption on domestic residential customer with primary focus on the cost are presented. General method utilized in quantifying the benefit of reliability on power system is to estimate the Customer Interruption Cost(CIC) associated with the electric service interruption. According to change the circumstance of electricity market by the deregulation and the introduction of new technology, reliable and accurate CIC is required for estimate the applied plan and technology under the circumstance. This paper presents the residential customer interruption cost is estimated by the survey conducted by KEPCO in 2009. To collect the customer interruption data for calculation of CIC, the survey is conducted. The survey targeting residential customer around the branch-offices under twelve regional headquarters of KEPCO was carried out.

• Journal of Information Management
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• v.40 no.1
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• pp.183-197
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• 2009

With development of the internet, internet shopping is taking its place as one of digitalization industries transcending time and space beyond the scope of commercial activities as the means of goods sales and purchase. We studied about the relations of customer value, environment of internet shopping mall, customer satisfaction and loyalty. Customer value is customers' subjective evaluation, which is formed after their purchasing and consuming. Customer satisfaction can be characterized as post-purchase evaluation of product quality given pre-purchase expectations. Customer loyalty is a potentiality or ensure of durative relationship between customer and enterprises. Customer satisfaction functions as an antecedent of customer loyalty, while customer value does customer satisfaction. It prevents customer churn and consolidates retention, thereby constituting an important cause of customer loyalty. This study shows that customer value, environment of internet shopping mall and customer satisfaction are each found to have a direct effect on customer loyalty. The results provide empirical support for relation between customer satisfaction and loyalty. To increase customer satisfaction and customer loyalty in internet shopping mall is the primary purpose of this study. We believe that only high quality based customer programs accompanied by well designed loyalty programs can be effective in increasing customer retention.

• The Transactions of The Korean Institute of Electrical Engineers
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• v.59 no.10
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• pp.1787-1791
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• 2010

This paper presents the survey results of the interruption on domestic customer, especially commercial, with primary focus on the cost are presented. General method utilized in quantifying the benefit of reliability on power system is to estimate the Customer Interruption Cost(CIC) associated with the electric service interruption. According to change the circumstance of electricity market by the deregulation and the introduction of new technology, reliable and accurate CIC is required for estimate the applied plan and technology under the circumstance. This paper presents the commercial customer interruption cost is estimated by the survey conducted by KEPCO in 2009. To collect the customer interruption data for calculation of CIC, the survey is conducted. The survey targeting commercial customer around the branch-offices under twelve regional headquarters of KEPCO was carried out.

• Journal of Preventive Medicine and Public Health
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• v.35 no.3
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• pp.236-244
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• 2002

Objective : To empirically investigate the relationship of internal and external customer satisfactions, service quality, and customer loyalty in medical services. Methods : This essay proposes an integrated model to explain the causality of internal and external customer satisfactions, service quality, and customer loyalty. To this end, a structural model was developed, consisting of the following factors: internal and external customer satisfactions, service quality, and customer loyalty. The study included 214 sets of data, with 107 sets being collected for both out-patients and in-patients. The data were analyzed using AMOS 4.0. Results : We found the greater the internal customer satisfaction, the greater the out-patient quality of service quality. Secondly, the greater the service quality, the greater the external customer satisfaction of both in- and out-patients. The service quality of doctors, compared to that of the nurses, had a greater effect on external customer satisfaction. Thirdly, the service quality of doctors and nurses affected both internal and external customer satisfactions, which ultimately affected the customer loyalty. Finally the greater the external customer satisfaction, the greater the customer loyalty. Conclusion : This Study confirms the positive relationship among the internal and external customer satisfactions, service quality, and customer loyalty, which proves the doctors quality of service is the primary factor for external satisfaction, and customer loyalty relating to medical services.

• Journal of Distribution Science
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• v.19 no.5
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• pp.35-48
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• 2021

Purpose: This research aims to analyze the influence of relational penetration capability on salesperson performance and the influence of customer orientation, customer knowledge accessibility, and salesperson-customer relationship quality on the relational penetration capability of the insurance service industry in Central Java. Research design, data, and methodology: This explanatory research involved 211 respondents. Path analysis was used to analyze the primary data obtained. Results: The customer orientation positively influences relational penetration capability and customer knowledge accessibility which can improve salesperson performance. The salesperson-customer relationship quality shows a positive impact on the salesperson's relational penetration capability, salesperson performance, and relational penetration capability which will lead to an improved salesperson-customer relationship. Higher knowledge levels of customer necessity have important implications for a salesperson's capability of finding potential customers and of fulfilling customers' requirements through careful analysis of necessity. Conclusions: The salespeople should be capable of building and maintaining a good relationship with their customers as an indication that salespeople of Insurance Service Company Distribution in Central Java have good performance.