• Title/Summary/Keyword: risk perception

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Consumers attitude towards Internet banking services in an underdeveloped country: A case of Pokhara, Nepal

  • Shrestha, Deepanjal;Wenan, Tan;Rajkarnikar, Neesha;Jeong, Seung Ryul
    • Journal of Internet Computing and Services
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    • v.21 no.5
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    • pp.75-85
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    • 2020
  • The application of Internet technology has created enormous impact on banking sector with the implementation of many techno-oriented services like Internet banking, EFT, branchless banking, Automated Clearing House (ACH) transactions etc. Study of customer's attitude in terms of trust, perceived risk and ease of use of a particular technology is as an important parameter for acceptance or rejection of a technology. To explore the customers'attitude for Internet banking this research is undertaken. The research is carried out in Pokhara valley which is the second largest city and tourism capital of Nepal. The study employs descriptive research design with stratified sampling procedure for eight top commercial banks. A set of 25 customers is taken from each selected 8 banks making a sample size of 200 respondents. A fixed set of question related to demographic factors is provided personally or by visiting the location of the customers of Internet banking service and collected accordingly. Reliability test is performed using Cronbach's alpha and data is analyzed using inferential statistics to present the results of the study. This study provides knowledge on the current scenario of Internet banking and helps banks in cost saving, mass customization, product innovation, improved marketing and communication. This study is very important for financial institutions like banks, government agencies and business houses to understand the perception of customers towards Internet banking and technology as a whole. The study also supplements the gap in literature on technology and banking in Nepal and serves as an important knowledge base.

Internet comment manipulation and criminal responsibility

  • Lee, Ju-Il
    • Journal of the Korea Society of Computer and Information
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    • v.23 no.6
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    • pp.75-79
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    • 2018
  • The purpose of this paper is to introspect again the role of the criminal law at a time when it is said that numerous criminal and legal discussions are needed to develop the so called "reply manipulation " case that is shaking the nation's political history. The research method considered the literature and precedents discussed in the past, and discussed the issue of subculture abuse caused by the internet, which is a product of convenience and affluence that came with the Forth industrial revolution through criminal law. Through a computer program, a discussion was held on what penalties would be imposed on the criminal law for attempting to manipulate public opinion by manipulating the so-called number of comments or Reaction. Question of whether the criminal law should further emphasize the need for a discussion on the need for a method to strengthen the preventive functions of the criminal law and expand the scope of punishment in order to address new causes of risk that came with the development of science. Without reflecting on whether such as "government-inspired demonstration "would be possible in today's world that was in the public perception of the authoritarian government of the past, it is a problem to see that the political goals of a particular group can be achieved by manipulating comments or creating public opinion on the Internet. The duty of criminal law is to protect the interests of the law. The role of the criminal law should be maintained the self limiting as far as possible in cases of violation or danger of the law. Still, it is a problem that the role of the criminal justice system today is too aggressive and is seen as a top tool rather than a last resort for solving problems. he role of the internet will be expanded further in the Hyper Connected society. To solve these problems, we should look forward to a change in the priority of other laws and policies other than criminal law.

Long-term cognitive, executive, and behavioral outcomes of moderate and late preterm at school age

  • Jin, Ju Hyun;Yoon, Shin Won;Song, Jungeun;Kim, Seong Woo;Chung, Hee Jung
    • Clinical and Experimental Pediatrics
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    • v.63 no.6
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    • pp.219-225
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    • 2020
  • Background: There is increasing concern that moderate preterm (32-33 weeks' gestation) and late preterm (34-36 weeks' gestation) birth may be associated with minor neurodevelopmental problems affecting poor school performance. Purpose: We explored the cognitive function, cognitive visual function, executive function, and behavioral problems at school age in moderate to late preterm infants. Methods: Children aged 7-10 years who were born at 32+0 to 36+6 weeks of gestation and admitted to the neonatal intensive care unit from August 2006 to July 2011 at the National Health Insurance Service Ilsan Hospital were included. We excluded children with severe neurologic impairments, congenital malformations, or chromosomal abnormalities. Neuropsychological assessments consisted of 5 neuropsychological tests and 3 questionnaires. Results: A total of 37 children (mean age, 9.1±1.2 years) participated. The mean gestational age at birth was 34.6±7.5 weeks, while the mean birth weight was 2,229.2±472.8 g. The mean full-scale intelligence quotient was 92.89±11.90; 24.3% scored between 70 and 85 (borderline intelligence functioning). An abnormal score was noted for at least one of the variables on the attention deficit hyperactivity disorder diagnostic system for 65% of the children. Scores below borderline function for executive quotient and memory quotient were 32.4% and 24.3%, respectively. Borderline or clinically relevant internalizing problems were noted in 13.5% on the Child Behavior Check List. There were no significant associations between perinatal factors or socioeconomic status and cognitive, visual perception, executive function, or behavior outcomes. Conclusion: Moderate to late preterm infants are at risk of developing borderline intelligence functioning and attention problems at early school age. Cognitive and executive functions that are important for academic performance must be carefully monitored and continuously followed up in moderate to late preterm infants.

Policy Evaluation of the Government Financial Transfers to Korean Fisheries : LISREL Approach (수산부문 정부재정지원정책의 정성 평가)

  • 박성쾌;김정봉
    • The Journal of Fisheries Business Administration
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    • v.33 no.2
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    • pp.1-29
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    • 2002
  • The main objective of this research aims at analyzing efficiency of government financial transfers(GFTs) to the Korean fisheries sector, using the Linear Structural Relations model(i.e., LISERL model) and the field survey data. Most policies of GFTs tend to be implemented to protect industries with weak competitive advantages such as infant and/or primary industries. Specific policy instruments include income transfers, government loans with lower interest rates, taxes and the like. Fishing activities are made at a highly changeable natural environment of the ocean with a great amount of risk and uncertainty. Fishing households make their livelihood under the small-scale fisheries. Such fisheries and fishing households have also a relatively weak market power. Because of these fisheries characteristics most coastal states have adopted a variety of government support programs. However, despite such a huge government support, during the past several decades the world fishing communities have seen a tendency of continuous fishereis resource overexploitation. For this resason there have been hot debates over the government support policies for fisheries through OECD, FAO, WTO, and UNEP. In general, policy evaluations tend to be made on the basis of benefit-cost(B/C) analysis. However, the B/C analysis may produce results quite different from real ones primarily due to many unmeasurable effects. Thus, the authors composed simple questionaires and let fishermen, government officials and academic people answer the questions. The survery was made in several ways such as post-mail and personal/group interviews. In recent years, for analysis of policy performances and effectiveness, the LISREL model has often been used, which consists of structural and measurement eqquations. This model has a good advantage of transforming unobservable variables to observable ones so that it helps construct endogenous cause and effect relationships among relevant variables. The evaluation was done from the two aspects: policy results and policy effectiveness. The policy result evaluation showed that there is a need for improvement for policy problem perception and decision-making process, while the policy effect evaluation suggested that the policy goals were successfully achieved and social justice was improved from the perspective of the entire society as well. However, the research results showed that the GFT policies rendered little contrubtion to narrowing down the gap between GFT beneficiaries and non-beneficiaries incomes.

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Consumer Perspectives on the Informed Consent of Off-label Drug Use in South Korea (의약품의 허가외사용 정보제공과 동의에 대한 일반인 인식)

  • Lee, Iyn-Hyang;Kye, Seunghee;Je, Nam Kyung;Lee, Sukhyang
    • Korean Journal of Clinical Pharmacy
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    • v.24 no.4
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    • pp.265-271
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    • 2014
  • Objective: This study aims to explore the perception of off-label use of medications and the provision of informed consents from the general public's perspective. Methods: The study subjects (n=291) were recruited from 7 cities in Korea through a convenience sampling method. The self-administered questionnaire with 13 items was issued and collected. The study subjects who have had a pharmaceutical job were excluded. Results: The total of 231 respondents was included. Only 23% of respondents were familiar with the concept of off-label use of medications. Eighty five percent of respondents (n=196) stated that the prescribers should explain the off-label use of a medication to their patients. The preferred method for delivering the message was the oral explanation (n=122, 53%), followed by oral explanation plus a pamphlet (n=94, 41%). The safety issue is the most concerned aspect regarding the off-label drug use, also effectiveness and insurance coverage. The majority of respondents (n=217, 94%) agreed that the prescriber should get a consent from patients before prescribing medications for off-label use. They preferred written consent to oral consent (140 vs. 77). Conclusion: This study demonstrated general publics are infrequently aware of off-label use of medications. It is important to raise public awareness of the off-label use of medications and to openly discuss its pros and cons for safe and effective drug therapy.

Evaluation of the Effectiveness of a Nutrition Education Program for Hypertensive Patients at the Community Level (지역사회 고혈압환자 영양교육의 효과 평가)

  • 임경숙
    • Korean Journal of Community Nutrition
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    • v.5 no.4
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    • pp.654-661
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    • 2000
  • Hypertension is the major risk factor for cardiovascular disease which is considered the leading cause of death in Korea. Since nonpharmarologic dietary intervention is recommended as the first step in the management of hypertension, evaluation of intervention programs is needed to formulate strategies for improving patients' dietary adherence. This study was designed to evaluate the overall effectiveness of a hypertension nutrition education program (HNEP) at a public health center, by assessing changes in nutrition knowledge, food attitude, self-efficacy, dietary behavior, and nutrient intake after program completion. An HNEP was conducted in Suwon city for 5 months in 1999 by a public health center. The program provided 3 sessions of group education with individual nutrition counseling. Thirty-five patients participated fully in the program out of 62 enrollees. Data about nutrition knowledge, food attitude, self-efficacy, dietary behavior, and intake (24-hour recall) were collected before (baseline) and after the program. Post program results indicate the following : 1) nutrition knowledge and perception of importance of nutrition significantly increased, 2) food attitudes also improved, 3) the self-efficacy for maintaining a low salt diet was increased significantly, whereas self-efficacy for maintaining a low fat diet or dietary guidelines was not improved, 4) frequency of intake of processed food, animal fat, and sweets as well as frequency of dining out were significantly reduced, 5) nutrient intake was not improved after the program, 6) the most serious barrier for participating in the program and practicing diet therapy was lack of time and willingness. In conclusion, it appears that HNEP might improve food attitudes, individual perceptions and self-efficacy for desirable eating behavior, but it might not improve dietary intake. It follows then, that a long term intervention program may need to increase effectiveness of patient dietary adherence.

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The Effect of Trial-Experience Information on the Traffic and Sales Performance of Apparel Product Websites (인터넷 쇼핑몰에서 의류상품에 대한 착의경험 정보제공이 트래픽과 판매성과에 미치는 영향)

  • Kim Tae-Youn;Lee Yoon-Jung
    • Journal of the Korean Society of Clothing and Textiles
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    • v.29 no.11
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    • pp.1369-1380
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    • 2005
  • This study suggests a strategy of providing apparel product information from the wearers' perspective on Internet shopping malls, as a way of compensating for the lack of opportunities to try on the actual product. On an actual Internet shopping mall that sells apparel product, the 'trial-experience information' (the experiential information provided by the fit models who tried on the products) was provided for 83 different items from four women's wear brands. The traffic and sales performances (number of visitors, page view, gross sales of goods, conversion rate, and the numbers of customer transactions) of the apparel product websites that contain trial-experience information were compared to the performances of the brand's websites before this information was implemented. The changes in percent contribution of these brands in women's wear category were also noted. The specific results are as follows: First, all the four performance measures as well as the percent contribution of the experiment products in women's wear category increased noticeably throughout the experiment period (11 to $103\%$). Second, when the percent contribution of these brands in women's wear category in terms of traffic and sales performances were compared to the previous year, these measures increased between $497\%\;and\;2851\%$. Third, the amount of customer transactions also increased after the trial-information was provided, yet to a relatively smaller extent $(29.04\%\;to\;55.25\%)$. The findings showed that trial-experience information provided on the Internet shopping malls may reduce customers' risk perception and lead to increased sales of apparel product and improve the site use ratio.

A Study on Determinants of Subjective Repayment Burden in Household Debt by Income Quintile Groups (가구의 소득분위별 가계부채 주관적 상환부담요인에 관한 연구)

  • Park, Yoon-Tae;Rho, Jeong-Hyun
    • The Journal of the Korea Contents Association
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    • v.17 no.9
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    • pp.145-158
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    • 2017
  • Lately, rapid increase of household debt and economic change has affected cash flow of household, insolvent risk has increased by high repayment burden of the principal and interest. Previous researches was progressing various discussion, composed objective repayment burden index about household debt. But it was relatively insufficient about perception of consumer. This research compare and analysis determinants of subjective repayment burden in household debt by income quintile, using 2016 Household Financial Welfare Survey. The research result is follows. The income 1 and 2 quartile groups have the higher monthly rent and credit card loan and the housing preparation loan ratio, the higher burden on repayment of the principal and interest. The Income 3 and 4 quartile groups have the higher 60s or older and member of household and real estate mortgage loan, the higher burden on repayment of the principal and interest. The Income 5 quartile group has the higher loan ratio for debt repayment preparation, the higher burden on repayment of the principal and interest.

Needle Stick Injuries and their Related Safety Measures among Nurses in a University Hospital, Shiraz, Iran

  • Jahangiri, Mehdi;Rostamabadi, Akbar;Hoboubi, Naser;Tadayon, Neda;Soleimani, Ali
    • Safety and Health at Work
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    • v.7 no.1
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    • pp.72-77
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    • 2016
  • Background: This study aimed to determine the prevalence and factors related to needle stick injuries (NSIs) and to assess related safety measures among a sample of Iranian nurses. Methods: In this cross-sectional study, a random sample of 168 registered active nurses was selected from different wards of one of the hospitals of Shiraz University of Medical Sciences (SUMS). Data were collected by an anonymous questionnaire and a checklist based observational method among the 168 registered active nurses. Results: The prevalence of NSIs in the total of work experience and the last year was 76% and 54%, respectively. Hollow-bore needles were the most common devices involved in the injuries (85.5%). The majority of NSIs occurred in the morning shift (57.8%) and the most common activity leading to NSIs was recapping needles (41.4%). The rate of underreporting NSIs was 60.2% and the major reasons for not reporting the NSIs were heavy clinical schedule (46.7%) and perception of low risk of infection (37.7%). A statistically significant relationship was found between the occurrence of NSIs and sex, hours worked/week, and frequency of shifts/month. Conclusion: The study showed a high prevalence of NSIs among nurses. Supportive measures such as improving injection practices, modification of working schedule, planning training programs targeted at using personal protective equipment, and providing an adequate number of safety facilities such as puncture resistant disposal containers and engineered safe devices are essential for the effective prevention of NSI incidents among the studied nurses.

Analysis on Effectiveness of Transit Mall by Visitor Perception (시민 만족도 분석을 통한 대중교통전용지구 도입 평가 연구)

  • JUNG, Hun Young;LEE, Sang Yong;LIM, Seong Beom
    • Journal of Korean Society of Transportation
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    • v.34 no.4
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    • pp.330-340
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    • 2016
  • The main objective of study was to analyze the effectiveness of transit mall. To this end, this study compared operational status of transit malls in operation (Daegu, Seoul and Busan). For the city of Busan where the latest transit mall became operational in 2015, a discriminant model was proposed to determine user satisfaction/dissatisfaction. The outcomes of comparative study showed that each city has different operational focus - Seoul has focus on traffic demand management, Busan has focus on walking environment, and Daegu has focus on accessibility to public transportation. Also, the discriminant model indicated that market sentiment, convenience of bus service, traffic accident risk, number of pedestrian, market user number have effects on user satisfaction. These results implied that, to improve user satisfaction, measures for market revitalization such as opening events and forming consultative groups need to be prepared and traffic conditions should also be improved through expansion of curfew time, linkage with subway station.