• The Korean Journal of Applied Statistics
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• v.18 no.3
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• pp.555-565
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• 2005

To Know customers is very important for the company to survive in its cut-throat competition among coimpetitors. Companies need to manage the relationship with each ana every customer, ant make each of customers as profitable as possible. CRM (Customer relationship management) has emerged as a key solution for managing the profitable relationship. In order to achieve successful CRM customer segmentation is a essential component. Clustering as a data mining technique is very useful to build data-driven segmentation. This paper is concerned with building proper customer segmentation with introducing a credit card company case. Customer segmentation was built based only on transaction data which cattle from customer's activities. Two-step clustering approach which consists of k-means clustering and agglomerative clustering was applied for building a customer segmentation.

• Korean Journal of Veterinary Service
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• v.41 no.4
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• pp.271-276
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• 2018

This study was conducted to investigate the prevalence of dog erythrocyte antigen (DEA) 1 with DEA 1.1 and DEA 1.2 on 122 Jindo dogs (29 males, 93 females) from 2014 to 2015 using a monoclonal antibody card kit (blood typing card kit, Korea Animal Blood Bank Inc., South Korea). Among the tested dogs, 14.8% (18/122) were positive for the DEA 1.1 antigen and 85.2% (104/122) were positive for the DEA 1.2 antigen. The prevalence of positive types for the DEA 1.2 antigen was significantly higher than the DEA 1.1 antigen (P<0.01). The prevalence of positive types for the DEA 1.1 antigen was higher in white-haired Jindo dogs than yellow-haired dogs (P<0.05). However, there was no gender difference in the prevalence of the DEA 1.1 antigen (P=0.665). The incidence of sensitization after the first transfusion without blood group test was 12.6% and the incidence of acute hemolytic transfusion reaction after the second transfusion in the same immunized dogs was 1.6%. Therefore, the blood group test for the DEA 1 antigen should be performed for Jindo dogs to ensure safe and effective transfusion therapy and further studies remain to be conducted for other DEAs among Jindo dogs.

• The Journal of Asian Finance, Economics and Business
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• v.8 no.4
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• pp.949-958
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• 2021

This study aims to develop a theoretical model in order to determine factors affecting consumer intention to use credit cards by combining Theory of perceived risk and Technology acceptance model. Despite of perspective of consequences in prior studies on related research fields, this study focuses on the sources of perceived risk, including transaction, payment and credit risks, which are proposed and measured in a preliminary research. A measurement model and a structural model with the presence of perceived risk in sources are tested in a formal research with data collected from 538 bank customers. An analysis results show that payment risk, usefulness, transaction risk, ease of use, and credit risk influence significantly Vietnamese consumers' intention to use credit cards in decreasing order of influence. These factors account for 64.6% of the variation in intended use. All three dimensions of perceived risk have a negative effect on the intention to use, with the total impact greater than the level of influence of the other two factors of usefulness and ease of use. These findings can be beneficial to banks in enacting policies to attract more consumers and to allocate resources for improving their credit card business.

• Information Systems Review
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• v.11 no.1
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• pp.49-67
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• 2009

E-mail marketing is the cheapest channel in target marketing. The channel works amazingly well for marketers who know how to use it. The e-mail marketers are able to integrate transactional and behavioral data to improve the targeting content of e-mail marketing campaigns. The cost in e-mail marketing is low and e-mail marketing makes no pollution. But, the e-mail response rate is lower than all the other channels. So, it is very hard for companies to increase their sales volumes, though the companies are ready to execute e-mail marketing campaigns on the side of computer systems. Marketers can send messages easily to target customers compared to other channels. But, the possibility to be read by the customers is low. Normal e-mails are continually devalued by spam mails. This study shows the influence of e-mail marketing to increase sales used by credit cards, on the basis of the real data promoted by A bank, in the Republic of Korea. The analysis on the traits of the respondent can help marketers to target customers. If additional studies on the response prediction model on the basis of traits of potential respondents are done, the targeting method to increase the effectiveness of e-mail marketing will be better structured and organized.

• The KIPS Transactions:PartD
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• v.15D no.1
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• pp.121-130
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• 2008

In line with the enhanced weight and variety of electronic commerce in business activities, new type of payment settlement and banking system which will enable to store, create and transfer values from the existing method of payment settlement is highly required. Cyber Banking system draws strong attention being the solution of there requirements. The existing Cyber Banking system has the difficulty of operation, administration, in addition to the problem of initial facility investment of big amount, resulted from the usage of the current business process. As the existing Cyber Bank system is unable to carry out the function of storing, creating, and transferring values due to the adoption conventional credit card system instead of the application of non-stop payment system between the seller and buyer. As a result, current Cyber Bank system still imply the deficiency of non-performing cash payment function on internet. This paper describes (1) an integrated application process, One Process One Input (OPOI) which is essential for software development of the Cyber Bank, (2) an application process of payment settlement system to be applied to the electronic commerce in Internet. And then, with these for a basis, (3) design and implementation of payment settlement system through CyberBank for Electronic Commerce. Consequently, by means of this suggested process, we could attempt to solve the problem of existing Cyber Bank system and further to explore the possibility of advanced Cyber Banking being the non-stop payment settlement system. The effectiveness of this suggested system has been practically confirmed.

• Journal of Digital Convergence
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• v.13 no.5
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• pp.219-226
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• 2015

OTP(One Time Password) is for user authentication of Internet banking and users should carry their security card or OTP generator to use OTP. If they lost their security card or OTP generator, there is at risk for OTP leak. This paper suggests a new User Authentication Framework using personal health information from diverse technology of u-Health. It will cover the problem of OTP loss and illegal reproduction A User Authentication Framework is worthy of use because it uses various combinations of user's physical condition which is inconstant. This protocol is also safe from leaking information due to encryption of reliable institutes. Users don't need to bring their OTP generator or card when they use bank, shopping mall, and game site where existing OTP is used.

• Nuclear Engineering and Technology
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• v.52 no.9
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• pp.1896-1906
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• 2020

The BEAVRS (Benchmark for Evaluation and Validation of Reactor Simulation) benchmark calculations were performed by DeCART stand-alone and DeCART/MATRA multi-physics coupled code system to verify their accuracy. The solutions of DeCART stand-alone calculations for the control rod bank worth, detector signal, isothermal temperature coefficient, and critical boron concentration agreed very well with the measurements. The root-mean-square errors of the boron letdown curves for two-cycles were less than about 20 ppm, while the individual and total control rod bank worth agreed well within 7.3% and 2.4%, respectively. For the BEAVRS benchmark calculations at the beginning of burnup, the difference between DeCART simplified thermal-hydraulic stand-alone and DeCART/MATRA coupled calculations were not significantly large. Therefore, it is concluded that both the DeCART stand-alone code and the DeCART/MATRA multi-physics coupled code system have the capabilities to generate high fidelity transport solutions at core follow calculations.

• Asian Journal of Business Environment
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• v.12 no.1
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• pp.1-9
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• 2022

Purpose: This study measures the effect of Information Technology (IT) on both cost and profit efficiency of State-owned Commercial Banks (SOCBs) in Bangladesh. Research design, data and methodology: Yearly Non-IT and IT data are collected from the annual report of SOCBs of Bangladesh from 2008 to 2017. Variable Return to Scale (VRS) cost Data Envelopment Analysis (DEA) and Profit DEA are employed to measure the efficiency of SOCBs and Ordinary Least Square (OLS) is used to investigate the impacts of ICT components on operating cost and profit efficiency for SOCBs. Results: The average cost efficiency (74.4%) was noticed higher than the average profit efficiency (20.6%) for SOCBs. SOCBs were more affordable and less profitable for both cost and profit efficiency. Rupali bank was the most cost efficient while Sonali bank was the most profit efficient. IT Investment and IT personnel expenses were positively significant for cost efficiency. IT income, IT personnel, IT personnel expenses, ATM expenses, and Credit card expenses were negatively significant for profit efficiency. Conclusion: The further studies can combine DEA with machine learning algorithms to study the impact of IT on banks' performances. The results could aid government to remove the hindrance of progress in Bangladesh.

• Journal of the Korea Academia-Industrial cooperation Society
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• v.11 no.1
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• pp.272-277
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• 2010

In respect complication of group, rate of arrearage in domestic bank is composed of various factors. This paper studies focus on estimating the determinants of the rate of arrearage in domestic bank using panel data model. The volume of analysis consist of 3 groups(loaned patterns of enterprise, housekeeping, credit card). Analyzing period be formed over a 54 point(2005. 1~ 2009. 06). In this paper dependent variable setting up rate of arrearage in domestic bank, explanatory(independent) variables composed of the consumer price index, composite stock price index, rate of exchange, the coincident composite index, national housing bonds and employment rate. The result of estimating the rate of arrearage in domestic bank provides empirical evidences of significance positive relationships between the consumer price index However this study provides empirical evidences of significance negative relationships between the coincident composite index and the composite stock price index. The explanatory variables, that is, rate of exchange, national housing bonds and the employment rate are non-significance variables of negative factor. Implication of these findings are discussed for content research and practices.

• Journal of Korea Multimedia Society
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• v.21 no.5
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• pp.617-625
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• 2018

Phishing website has become a crucial concern in cyber security applications. It is performed by fraudulently deceiving users with the aim of obtaining their sensitive information such as bank account information, credit card, username, and password. The threat has led to huge losses to online retailers, e-business platform, financial institutions, and to name but a few. One way to build anti-phishing detection mechanism is to construct classification algorithm based on machine learning techniques. The objective of this paper is to compare different classifier ensemble approaches, i.e. random forest, rotation forest, gradient boosted machine, and extreme gradient boosting against single classifiers, i.e. decision tree, classification and regression tree, and credal decision tree in the case of website phishing. Area under ROC curve (AUC) is employed as a performance metric, whilst statistical tests are used as baseline indicator of significance evaluation among classifiers. The paper contributes the existing literature on making a benchmark of classifier ensembles for web phishing detection.