• Title/Summary/Keyword: Bank-To-Turn

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Effect of Digital Selling Readiness on Salespeople's Customer-Oriented Behavior Through Digital Literacy and Self-Efficacy

  • Hyunseung NA;Hangeun LEE;Chankoo YEO
    • Journal of Distribution Science
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    • v.22 no.2
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    • pp.95-102
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    • 2024
  • Purpose: This study systematically examined the concept of digital selling readiness of salespeople. Additionally, this study empirically confirms the sequential mediating roles of digital literacy and salesperson self-efficacy in the impact of digital selling readiness on customer-oriented behavior. Research design, data, and methodology: We collected data from salespeople at a Bank and Financial Service firm in South Korea. A total of 254 salespeople were invited to participate, with 154 surveys returned. After removing the questionnaires with missing values, 150 complete surveys were employed for the analysis. Results: The empirical analysis indicates that digital selling readiness positively affects digital literacy. Digital literacy, in turn, is positively associated with self-efficacy, leading to increased customer-oriented behaviors among salespersons. This study also confirms the sequential mediating effects of digital literacy and self-efficacy in the impact of salespeople's digital selling readiness on customer-oriented behavior. Conclusions: Our research deepens the understanding of how digital selling readiness fosters customer-oriented behavior through the sequential mediating effects of digital literacy and self-efficacy. This study extends the previous model by sequentially involving digital literacy and self-efficacy to better understand the psychological processes of digital selling. The results highlight the role of digital selling readiness in preparing salespeople for digital sales.

Service Quality Model for Library and Information Center : Focusing on LibQUAL+ (정보 서비스 품질 평가모형의 적용 : 라이브퀄 플러스를 중심으로)

  • Kim, Yun-Sil
    • Journal of Information Management
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    • v.33 no.3
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    • pp.1-26
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    • 2002
  • The rapid change in almost every area of science at the turn of the 21st century have also affected libraries and information centers. Whatever the change, from the library users' perspective, the functions provided by the library, is perceived as "service" and the satisfaction of the users can only be measured by the quality of the service. The library and information center acting as a service provider aims to establish a framework for improvements in services by focusing on the user's perspective on service quality and classifying the factors that contribute to service quality. This study adopted the LibQUAL+ model, which is derived from SERVQUAL model for measuring quality of service in the field of Service Marketing.

A Study on the Practices for Forfaiting in Foreign Exchange Bank in Korea and Recommendations for Improvement (국내 외국환은행의 포페이팅 취급행태와 개선점에 관한 연구)

  • Kim, Chang-Sun
    • Korea Trade Review
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    • v.42 no.3
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    • pp.25-47
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    • 2017
  • Forfaiting is a trade finance facility whereby financial institution purchases accounts receivable from exporters, on a without recourse basis. After the adoption of K-IFRS in 2011, accounting for simple borrowing as usual negotiation increases debt ratio which in turn, worsens financial soundness of a company. Hence, exporting companies have their interest in forfaiting that enables book-off in order to decrease the borrowing. Along with the execution of URF 800 at ICC and increasing the interest of exporting companies into forfaiting, foreign exchange banks in Korea expand the development of products related to forfaiting. Upon surveying all these national banks of this matter, this paper identified an appropriate solution for the forfaiting practice.

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Development of Highly-stabilized Power Supply for KCCH Cyclotron Magnets (KCCH 싸이클로트론 전자석용 정밀전원장치 개발)

  • 송인호;신현석;최창호;채종서;김유석;이한석;하장호
    • Proceedings of the KIPE Conference
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    • 1999.07a
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    • pp.581-584
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    • 1999
  • 본 논문에서는 12펄스 위상제어 정류기 및 수동 필터와 능동필터로 구성된 KCCH 싸이클로트론 전자석용 고정밀, 고안정 전류 전원장치를 위한 각 구성 부분의 제어 및 설계 특징은 다음과 같다. 12펄스 싸이리스터 컨버터의 출력전압 제어를 위하여 아날로그 phase-locked oscillator 점호방식과 함께 부하에 비해 빠른 동특성을 가지는 내부 전압제어 루프를 구성하여, 입력전원과 변압기의 불평형에 의해 발생하는 저차고조파를 줄어들게 하였다. LC 수동필터와 MOSFET으로 구성된 능동필터를 직렬로 연결하여 출력전압 리플을 허용치 이하로 낮추었다. 12펄스 컨버터 출력전압 리플의 최대 peak-to-peak값이 0.1% 이하가 되도록 수동필터 값을 설계하였으며 설계과정을 제시하였다. 16bit D/A와 A/D에 의해 디지털로 제어되는 pass bank MOSFET 레귤레이터는 출력리플의 slow drift 제어와 설정치 값의 정확한 제어를 가능하게 한다. 또한 MOSFET는 전압 구동형 소자이며 turn-on 전류 도통 시에 양의 저항계수를 갖기 때문에, 첫째 전류 구동소자에 비해 간단한 구동회로를 가지며, 둘째 소자의 병렬 연결이 용이하다는 이점을 갖는다. 본 논문에서는 전류 전원장치 각 부분의 설계에 대하여 상세한 설계결과를 제시하며, 실험결과를 통하여 제안된 설계방식의 우수한 정적 및 동적 특성을 입증한다.

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Market Discipline by Depositors : the Case of Mutual Savings Banks in Korea (상호저축은행과 예금자에 의한 시장규율)

  • Park, Jung-Hee
    • The Korean Journal of Financial Management
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    • v.26 no.1
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    • pp.95-125
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    • 2009
  • This paper examines the disciplinary effect of deposits using the semiannual accounting data of mutual savings banks(henceforth 'MSBs') in Korea for the period of 2003 through 2007. I find overall strong evidence in favor of the existence of market discipline in the industry. MSBs with higher BIS ratio and lower NPL ratio turn out to have higher increase rate of deposits than MSBs with lower such ratios. The coefficient of NPL ratio becomes greater with time, suggesting that the effect is cumulative. It turns out that depositors respond more sensitively to NPL ratio than BIS ratio in a period of MSB failure. On the other hand, MSBs turn out to act very positively responding to the depositors' discipline. They increase BIS ratio or decrease NPL ratio following the previous decrease in deposits. Government authorities need to make more efforts to develop a suitable incentive system (e.g. penalties on a false disclosure) to improve the efficiency of disclosure by MSBs. Moreover, they need to acknowledge the importance of NPL ratio as a market disciplinary tool which has been becoming more important, especially in times of MSB failure.

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Determinants of COVID-19 related infection rates and case mortality rates: 95 country cases (코로나-19 관련 감염률과 치명률의 결정요인: 95개국 사례연구)

  • Jin, Ki Nam;Han, Ji Eun;Park, Hyunsook;Han, Chuljoo
    • Korea Journal of Hospital Management
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    • v.25 no.4
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    • pp.1-12
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    • 2020
  • During the COVID-19 pandemic, most of the western countries with advanced medical technology failed to contain coronavirus. This fact triggered our research question of what factors influence the clinical outcomes like infection rates and case mortality rates. This study aims to identify the determinants of COVID-19 related infection rates and case mortality rates. We considered three sets of independent variables: 1) socio-demographic characteristics; 2) cultural characteristics; 3) healthcare system characteristics. For the analysis, we created an international dataset from diverse sources like World Bank, Worldometers, Hofstede Insight, GHS index etc. The COVID-19 related statistics were retrieved from Aug. 1. Total cases are from 95 countries. We used hierarchical regression method to examine the linear relationship among variables. We found that obesity, uncertainty avoidance, hospital beds per 1,000 made a significant influence on the standardized COVID-19 infection rates. The countries with higher BMI score or higher uncertainty avoidance showed higher infection rates. The standardized COVID-19 infection rates were inversely related to hospital beds per 1,000. In the analysis on the standardized COVID-19 case mortality rates, we found that two cultural characteristics(e.g., individualism, uncertainty avoidance) showed statistically significant influence on the case mortality rates. The healthcare system characteristics did not show any statistically significant relationship with the case mortality rates. The cultural characteristics turn out to be significant factors influencing the clinical outcomes during COVID-19 pandemic. The results imply that the persuasive communication is important to trigger the public commitment to follow preventive measures. The strategy to keep the hospital surge capacity needs to be developed.

Build Capacity for International Health Agenda on the "Transforming Our World: The 2030 Agenda for Sustainable Development" (제2기 새천년 개발계획과 국제보건역량강화)

  • Park, Yoon Hyung
    • Health Policy and Management
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    • v.25 no.3
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    • pp.149-151
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    • 2015
  • United Nations (UN) adopted 17 global sustainable development agenda to the year 2030 in the 68th general assembly on september, 2015. The global agendas and goals are important for 3 reasons: (1) to adopt the international standard for determining the health status; (2) to identify areas in need of attention; and (3) to advance international cooperation regarding health issues. In the area of infectious diseases, our goals include the eradication of human immunodeficiency virus infection and acquired immune deficiency syndrome, tuberculosis, and malaria as well as a substantial reduction of hepatitis by the year 2030. In the area of non-communicable diseases, our goal is to reduce premature mortality (${\leq}70years$) at least 30% by the year 2030. Preventive activities such as smoking cessation, alcohol abstinence, nutritional measures, and physical activities, should also be promoted intensively nationwide. It is also necessary to establish stringent policies for control hypertension, diabetes, obesity, and hypercholesterolemia. Additionally, environmental health, injury by traffic accident, mental health, and drug and alcohol abuse are important health policies. Furthermore, in the area of international health and cooperation, maternal and child health remain important areas of support for underdeveloped countries. Education and training towards the empowerment of health professionals in underdeveloped countries is also an important issue. The global agenda prioritize resources(manpower and budget) allocation of international organizations such as UN, World Health Organization, United Nations Development Programme, and World Bank. The global agenda also sets the contribution levels of Official Developmental Assistance donor countries. Health professionals such as professors and researchers will have to turn their attention to areas of vital international importance, and play an important role in implementation strategies and futhermore guiding global agenda.

A Variable pulsed Nd:YAG laser system adopted ZCC method (영전압 제어 방법을 적용한 가변 펄스형 Nd:YAG 레이저시스템)

  • Doo-Youl Park;Whi-Young Kim
    • Journal of the Korea Computer Industry Society
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    • v.2 no.3
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    • pp.357-362
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    • 2001
  • For general laser power supply to control the laser power density, the secondary of the power transformer is connected to the rectifier and filter capacitor. The output of a rectifier is applied to a switching element in the secondary of the transformer. So power supply is complicated and the loss of switching is considerably. In addition, according to increasing pulse repetition rate, charged energy of energy-storage capacitor bank is not transferred sufficiently to flashlamp, and laser output efficiency decreases. In this study, we have proposed the power supply in which the SCR was turned on at the zero point of input AC voltage by the method of zero cross control(ZCC). As a result of that, The new power supply employed ZCC are simple and compact in design. And laser output efficiency increased by the 3.5$\%$ other than conventional power supply (SCADC), when a repetition rate was increased by the 10pps. In 60pps, efficiency was increased by about 20$\%$.

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A Study on the Improvement of Pitch Autopilot Flight Control Law (세로축 자동조종 비행제어법칙 개선에 관한 연구)

  • Kim, Chong-Sup;Hwang, Byung-Moon;Lee, Chul
    • Journal of the Korean Society for Aeronautical & Space Sciences
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    • v.36 no.11
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    • pp.1104-1111
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    • 2008
  • The supersonic advanced trainer based on digital flight-by-wire flight control system uses aircraft flight information such as altitude, calibrated airspeed and angle of attack to calculate flight control law, and this information is measured by IMFP(Integrated Multi-Function Probe) equipment. The information has triplex structure using three IMFP sensors. Final value of informations is selected by mid-value selection logic to have more flight data reliability. As the result of supersonic flight test, pitch oscillation is occurred due to IMFP noise when altitude hold autopilot mode is engaged. This tendency may affect stability and handling quality of an aircraft during autopilot mode. This paper addresses autopilot control law design to remove pitch oscillation and these control laws are verified by non-real time simulation and flight test. Also, pitch response characteristics of pitch attitude hold autopilot mode is improved by upgrading the control law structure and feedback gain tuning during bank turn.

A Study on the Change Trend and Their Using Method of Vacant Houses in the Historic Conservation District - Focused on the Keumma Historic Conservation Area in Jeonbuk Province - (고도보존지구의 빈집 변화추이와 활용방안에 관한 연구 - 전라북도 금마고도보존지구 중심으로 -)

  • Nam, Hae-kyeong
    • Journal of the Korean Institute of Rural Architecture
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    • v.19 no.2
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    • pp.25-33
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    • 2017
  • This study aims to find out the change trend of the existing vacant houses in the small and medium sized farming city. And the using method of those houses is proposed in this paper. Especially to find out the change trend ratio of vacant houses in the case, the historic conservation area - Keumma village is selected as the research target area. To carry out this study, it was surveyed in 2013 when they were not designated as the special area first. And it is reviewed in 2017 when it is designated. The contents of the survey were their use, old age, structure, materials, color, roof of the main building and wall. they were surveyed by direct and interview survey. And thew were analyzed and synthesized. It is concluded that the 142 vacant houses in 2013 were declined 46houses in 2017. It is caused by the government support. And they will be declined continuously. The architectural statues of vacant houses between in 2013 and in 2017 are almost same in it's use, old age, structure, materials, color, roof of the main building and wall. In the use ratio of the vacant houses that of residence is most high, and that of warehouses, commerce are followed in turn. The reason of that statues is moving out is the first and the death of house holder, the difficulty of managing are followed. As the their re-use plan of owners, the selling is the first, constructing new buildings and the renovation them are followed. As the method of their use, re-use, community facilities, managing in the vacant houses bank are proposed. As the vacant houses are the reason of bad elements in the rural landscape in the farm village, the method of its improvement will be carried out.