• The Journal of Asian Finance, Economics and Business
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• v.6 no.1
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• pp.141-148
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• 2019

This research proposes a model of SERVQUAL scale calibration and uses the SERVPERF model to study the relationship between quality of ATM service and customer satisfaction. The research uses the combination of qualitative and quantitative methodology with the Cronbach's alpha reliability analysis, Exploratory Factor Analysis (EFA) method; Confirmation Factor Analysis (CFA) and Structural Equation Modeling (SEM) through SPSS and AMOS 20.0 data analysis software. The survey was conducted with 800 questionnaires with the convenient sampling method. The number of remaining sample for analysis was 779 responses of individual customers using ATM card services of Bank for Foreign Trade of Vietnam (Vietcombank) Vinh Long. The results show that the satisfaction of customers using ATM cards of Vietcombank Vinh Long is influenced by 4 factors with the order of importance as follows: (1) Price; (2) Network; (3) Reliability; (4) Empathy. Thereby, the author suggests some managerial implications to Vietcombank Vinh Long management to enhance the ATM service quality, then improve customer satisfaction. This research still has some limitations: (1) The study does not investigate other influencing factors, (2) The convenient sampling method has not been generalized well, (3) The research is only conducted for Vietcombank.

• International Journal of Computer Science & Network Security
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• v.24 no.10
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• pp.182-190
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• 2024

The use of Short Message Services (SMS) as a mechanism of communication has resulted to loss of sensitive information such as credit card details, medical information and bank account details (user name and password). Several Machine learning-based approaches have been proposed to address this problem, but they are still unable to detect modified SMS spam messages more accurately. Thus, in this research, a stack- ensemble of four machine learning algorithms consisting of Random Forest (RF), Logistic Regression (LR), Multilayer Perceptron (MLP), and Support Vector Machine (SVM), were employed to detect more accurately SMS spams. The simulation was carried out using Python Scikit- learn tools. The performance evaluation of the proposed model was carried out by benchmarking it with an existing model. The evaluation results showed that the proposed model has an increase of 3.03% of accuracy, 8.94% of Recall, 2.17% of F-measure; and a decrease of 4.55% of Precision over the existing model. In conclusion, the ensemble method performed better than any individual algorithms and can be adopted by the Network service providers for better Quality of Service.

• Informatization Policy
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• v.22 no.4
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• pp.22-44
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• 2015

With the growing interest being reflected in the FinTech industry, much attention has been paid to mobile easy payment services as well. In the era of mobile commerce, the core advantage of using mobile easy payment services(simplifying complex payment procedures and thus facilitating user convenience and reducing the chance of giving up payment) are being more emphasized. Mobile easy payment service market not only includes mobile easy payment service providers but also users, non-users, affiliates, banks, and credit card companies as main stakeholders. Exploring those stakeholders is thus important to thoroughly understand such market. However, extant literature on mobile easy payment services mostly focuses on examining adoption intention of users or non-users. This study, an exploratory research based on interviews, thus aims to extract driving as well as inhibiting factors of mobile easy payment service use from six different perspectives (i.e., social platform, bank, credit card company, affiliate, user, and non-user) and analyze a sequence of cause and effect for each factor. For this, the causal loop diagram was developed to deduce key issues and propose an alternative. Theoretical and practical implications of this study will also be discussed.

• Journal of the Korean Association of Geographic Information Studies
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• v.23 no.4
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• pp.217-233
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• 2020

This study evaluated the urban vitality of Daegu metropolitan city in 2018 using emerging geographic data such as spatial big data, Wi-Fi AP(access points) and nighttime light satellite image. The emerging geographic data were used in this research to quantify human activities in the city more directly at various spatial and temporal scales. Three spatial big data such as mobile phone data, credit card data and public transport smart card data were employed to reflect social, economic and mobility aspects of urban vitality while public Wi-Fi AP and nighttime light satellite image were included to consider virtual and physical aspects of the urban vitality. With PCA (Principal Component Analysis), five indicators were integrated and transformed to the urban vitality index at census output area by temporal slots. Results show that five clusters with high urban vitality were identified around downtown Daegu, Daegu bank intersection and Beomeo intersection, Seongseo, Dongdaegu station and Chilgok 3 district. Further, the results unveil that the urban vitality index was varied over the same urban space by temporal slots. This study provides the possibility for the integrated use of spatial big data, Wi-Fi AP and nighttime light satellite image as proxy for measuring urban vitality.

• The Korean Journal of Applied Statistics
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• v.19 no.3
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• pp.407-419
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• 2006

In this paper, we analyze household overdue loans in Korea which has been causing serious social and economical problems. We consider customers of Bank A in Korea and focus on overdue cash services which have been snowballing in the past few years. From analysis of overdue loans, one can predict possible delays for current customers as well as build a credit evaluation and risk management system for future customers. As a statistical analytical tool, we propose a two-stage Generalized Linear regression Model (GLM) which assumes a logistic model for presence/non-presence of overdue and a gamma model for the amount of overdue in the case of overdue. We perform goodness of fit test for the two-stage model and select significant explanatory variables in each stage of the model. It turns out that age, the amount of credit loans from other financial companies, the amount of cash service from other companies, debit balance, the average amount of cash service, and net profit are important explanatory variables relevant to overdue credit card cash service in Korea.

• The KIPS Transactions:PartB
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• v.11B no.6
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• pp.675-682
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• 2004

With the five-day workweek system in bank and the increased usage of ATM(Automatic Toller Machine), it is required that the financial crime using stolen credit card should be prevented. Though a CCTV camera is usually installed in near ATM, an intelligent criminal can cheat it disguising himself with sunglass or mask. In this paper, we propose facial feature verification system which can detect whether the user's face can be Identified or not, using image processing algorithm and SVM(Support Vector Machine). Experimental results show that FAR(Error Rate for accepting a disguised man as a non-disguised one) is 1% and FRR(Error Rate for rejecting a normal/non-disguised man as a disguised one) is 2% for training data. In addition, it shows the FAR of 2.5% and the FRR of 1.43% for test data.

• Journal of Biomedical Engineering Research
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• v.14 no.4
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• pp.321-326
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• 1993

Recently, microcomputer technology has been developed rapidly and it provides not only graphic user interface that can be fraendly accessable but also large storage capacity to han- dle much hospital information. Almost all the order communication system for hospital has been developed under the concept of host and terminal environment since last 20 years. However, host-terminal system has not been successful in korea simply because most of physicians prescibe for rrlany patients a day(sometimes more than 150 patients a day). Also, under the host-terminal environment, programs are not friendly implemented for users. Since March 1991, we had developed order communication system for out-patients(named YONSEI-PC) using personal computer(PC) and local area network(LAN) . Since September 1992, we has applied succesfully in the Yonsei Cardiovascular Center, Sevrance Hospital, Yonsei University College of Medicine. This system consisted with Server and Clients which is communicated through LAN(Ethernet). The system also use the Host computer(IBM 9221 170) as a data bank and communicates to the Server with emulation card(3270 emulator, Interlink Inc., Korea) . After introducing this system, it enables patients to receive drugs witllin 20 minutes after prescription of 300-400 patients per day and it seemed to be effective system not to reduce waiting time for the patients but also to remove charge-troubling(due to His-entry of prescription) . This system also seems to be effective in terms of office automatism for hospital management. However users, usually physitions, required more friendly and easy system to operate and we thought that the most important one to successfully introduce order communication computer system in the hospital is user interface.

• Proceedings of the KOSOMBE Conference
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• v.1992 no.11
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• pp.97-99
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• 1992

After development of order communication system for out-patients using PC and LAN in May 1992, this system had been tested for 2 months. The system also use Host computer(IBM 9221-170) as a data bank and communicats wi th emulation card(3270 emulator. Interlink Inc., Korea). Since September 1992, this system(named YOUSEI-PC) has been running successfully in the Yonsei Cardiovascular Center of the Severance Hospital, Yonsei University College of Medicine. After introducing this system, it enables patients to receive drugs wi thin 30 minutes after prescription and revealed effective system not to reduce waiting time for the patients but also to remove charge-troubling(due to mis-entry of prescription). This system also seems to be effective in terms of office automatism for hospital management. However users, usually physitions, required more friendly and easy system to operate and we thought that the most important one to successfully introduce order communication computer system in the hospital is user interface.

• Journal of Convergence for Information Technology
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• v.9 no.7
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• pp.8-13
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• 2019

Recently, In line with the recent trend of the fourth industrial revolution, many companies and institutions have been increasingly applying automated technologies using artificial intelligence to various tasks. Particularly, due to the government's 52-hour workweek system, companies are increasingly struggling with manpower management. Therefore, they are interested in RPA (Robotic Process Automation) for office environment automation for efficient manpower management. It is being introduced in the back-office business in credit card companies, bank, insurance. These RPA solutions require AI-based recognition technology, scripting technology, business software API-related technologies, and various solutions such as Automate One, Automation Anywhere, UiPath, and Blue Prism are provided. This paper analyzes and describes the technology of RPA solution, the market trend, and the efficiency of RPA adoption.

• KDI Journal of Economic Policy
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• v.14 no.2
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• pp.109-153
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• 1992

This paper estimates a translog cost function for the Korea's banking industry and derives various implications on the prospect for the Korean banking structure in the future based on the estimated efficiency indicators for the banking sector. The Korean banking industry is permitted to operate trust business to the full extent and the security business to a limited extent, while it is formally subjected to the strict, specialized banking system. Security underwriting and investment businesses are allowed in a very limited extent only for stocks and bonds of maturity longer than three year and only up to 100 percent of the bank paid-in capital. Until the end of 1991, the ceiling was only up to 25 percent of the total balance of the demand deposits. However, they are prohibited from the security brokerage business. While the in-house integration of security businesses with the traditional business of deposit and commercial lending is restrictively regulated as such, Korean banks can enter the security business by establishing subsidiaries in the industry. This paper, therefore, estimates the efficiency indicators as well as the cost functions, identifying the in-house integrated trust business and security investment business as important banking activities, for various cases where both the production and the intermediation function approaches in modelling the financial intermediaries are separately applied, and the banking businesses of deposit, lending and security investment as one group and the trust businesses as another group are separately and integrally analyzed. The estimation results of the efficiency indicators for various cases are summarized in Table 1 and Table 2. First, security businesses exhibit economies of scale but also economies of scope with traditional banking activities, which implies that in-house integration of the banking and security businesses may not be a nonoptimal banking structure. Therefore, this result further implies that the transformation of Korea's banking system from the current, specialized system to the universal banking system will not impede the improvement of the banking industry's efficiency. Second, the lending businesses turn out to be subjected to diseconomies of scale, while exhibiting unclear evidence for economies of scope. In sum, it implies potential efficiency gain of the continued in-house integration of the lending activity. Third, the continued integration of the trust businesses seems to contribute to improving the efficiency of the banking businesses, since the trust businesses exhibit economies of scope. Fourth, deposit services and fee-based activities, such as foreign exchange and credit card businesses, exhibit economies of scale but constant returns to scope, which implies, the possibility of separating those businesses from other banking and trust activities. The recent trend of the credit card business being operated separately from other banking activities by an independent identity in Korea as well as in the global banking market seems to be consistent with this finding. Then, how can the possibility of separating deposit services from the remaining activities be interpreted? If one insists a strict definition of commercial banking that is confined to deposit and commercial lending activities, separating the deposit service will suggest a resolution or a disappearance of banking, itself. Recently, however, there has been a suggestion that separating banks' deposit and lending activities by allowing a depository institution which specialize in deposit taking and investing deposit fund only in the safest securities such as government securities to administer the deposit activity will alleviate the risk of a bank run. This method, in turn, will help improve the safety of the payment system (Robert E. Litan, What should Banks Do? Washington, D.C., The Brookings Institution, 1987). In this context, the possibility of separating the deposit activity will imply that a new type of depository institution will arise naturally without contradicting the efficiency of the banking businesses, as the size of the banking market grows in the future. Moreover, it is also interesting to see additional evidences confirming this statement that deposit taking and security business are cost complementarity but deposit taking and lending businesses are cost substitute (see Table 2 for cost complementarity relationship in Korea's banking industry). Finally, it has been observed that the Korea's banking industry is lacking in the characteristics of natural monopoly. Therefore, it may not be optimal to encourage the merger and acquisition in the banking industry only for the purpose of improving the efficiency.