• Title/Summary/Keyword: Core-Banking

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The Relationship between Brand Authenticity, Brand Equity and Customer Satisfaction

  • TRAN, Van Dat;VO, Thi Ngoc Linh;DINH, Thu Quynh
    • The Journal of Asian Finance, Economics and Business
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    • v.7 no.4
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    • pp.213-221
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    • 2020
  • This study examines the relationship between brand authenticity, brand equity, and customer satisfaction. A total of 263 participants participated in this study. Participants rated a set of three brands: Apple, Starbuck, and Nike. Each participant rated the extent to which the items described his or her authenticity with the brands listed, the equity of the brands listed, and feelings of satisfaction toward the brands. This study employs confirmatory factor analysis and structural equation modeling. The results indicate that 1) brand authenticity positively relates to brand equity, and 2) brand authenticity effects to customer satisfaction. The findings suggest that marketers can use the brand authenticity for assessment, planning, and tracking purposes to understand the authenticity of their brands for their customers. Products of authenticity brand are better liked, viewed as higher quality, offer greater value and are more likely to be purchased than less authenticity brand. They can command a significant price premium. The findings provide useful support and evidence for brand management, as well as companies in other developing countries, to engage more in brand practices as a core element of their strategic and brand management. This means that managers should work to increase perceptions of authenticity for their offerings.

Investigation on the Field Compaction for Embankment of Fill Dam (휠댐성토의 현장다짐에 관한 연구)

  • 최진규;김문기
    • Magazine of the Korean Society of Agricultural Engineers
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    • v.25 no.4
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    • pp.69-79
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    • 1983
  • The objective of this study is to analyze the present situation of compaction equipment used in the earth fill dam construction, and the compaction effects of varions types of equipment on core and pervious zones of the fill dam. The results obtained are summarized as follows; 1. Banking materials mostly used for the core zone were soils classified as CL, SC and ML, while those classified as SM, ML and SC were predominant for the pervious zone. 2. Equipments used practically in the real fields were considerably different from those specified in the designs. 3. It was found that the relationship between optimum water content and maximum dry density for both core and pervious materials showed to be linear, ranging from 10% to 25% water content. That is, ${\gamma}$dmax (core) = 2.2555-0.0284 Wopt ${\gamma}$dmax(pervious) =2.239-0.028 Wopt 4. The generalized compaction guides for all kinds of equipment and soil types consi- dered in this study may be recommended as N=8-10 T=2Ocm, N=10-12 T=3Ocm for core zone(98%) and N=6-8 T=2Ocm, N=8-10 T=3Ocm for pervious zone (95%). 5. The coefficient of permeability in the field tests showed abont 10 times as high as the laboratory test value. This large deviation, however, was due to the horizontal permeation and considered not to be significant in the light of the satisfactory compaction ratio in the field compac- tion.

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The Design of Intelligent Agent for Personal Finance Management System on Ubiquitous Environments (유비쿼터스 환경에서 개인자산관리 서비스를 위한 지능형 에이전트의 설계)

  • Shin, Kyung-Shik;Kim, Nam-Hee
    • Journal of Intelligence and Information Systems
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    • v.15 no.4
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    • pp.65-78
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    • 2009
  • The rapid changes of financial environment have increased the need and demand for personal financial advisory service from financial experts. In particular, as the individual customers want to get more customized financial services, the financial institutions created the private banking (PB) sector and have constantly expanded their PB services. However, it remains still problematic that the private banking system requires high costs so that the number of eligible customers who can have proper PB services is quite limited. To solve this problem, we propose an intelligent agent that can provides specialized and customized personal financial advisory services to the customers with low costs. The proposed agent systemizes and structures the information and knowledge of financial experts in private banking services so that individual customers can easily access to high-quality PB services when they need. On the first attempt we develop a framework of U-smart PB, an intelligent agent for personal financial management based on different scenarios related to personal financial decisions, and derive its core services. This system not only provides information simply, but also proposes to support personal investment decisions technically as an intelligent agent that embodies real-time customized financial management in a ubiquitous environment, regardless of time and place.

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A Startegy to Improve Customer Satisfaction in Mutuality Bank: Focus on Suhyup (상호금융 고객만족 제고를 위한 전략방향:수협을 중심으로)

  • Cho, Yong-Jun;Park, Chun-Gun
    • The Korean Journal of Applied Statistics
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    • v.23 no.5
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    • pp.799-812
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    • 2010
  • The public banking market (the main eld of the second banking sector) faces increased competition du to the expansion of the rst banking sector. In this situation, Customer Satisfaction Management(CSM is emerging as a core business factor to create continuous growth without competitive exclusion because it is possible to churn management and draw an advocate customer. In this pa- per, with Suhyup mutuality bank as a sample for research, I have looked for necessary Customer Satisfaction(CS) factors and deduced a Customer Satisfaction Index(CSI), Customer Loyalty and Net Promoter Score(NPS) of detail factors in CS through a survey. Based on these result, the strategic factors required to improve CS were found and strategic directions for CS were proposed through a CS portfolio analysis.

Going beyond Border? Intention to Use International Bank Cards in Vietnam

  • PHAN, Dzung Tran Trung;NGUYEN, Thanh Thi Ha;BUI, Tuan Anh
    • The Journal of Asian Finance, Economics and Business
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    • v.6 no.3
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    • pp.315-325
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    • 2019
  • The paper aims to explore the factors affecting potential users of international bank cards in Vietnam. With milestones treaties being signed CPTPP and EVFTA, Vietnam is now exposing itself to the international open environment. Bank card market is at the core of this wind of change, and that is the reason for us to research the intention to use international bank cards. Given that the decision to choose international bank cards could either be the switch from domestic cards or adopting a brand new card, we develop some specific constructs to reflect that consideration, specifically PE and PD, asides from traditional constructs used in TPB and TAM frameworks. The analysis work is conducted using PLS-SEM approach. Our findings reveals that most of our proposed hypotheses are supported, in which SN plays the most important direct role to INT, while total effect of PU on INT is similar to that of SN. The newly introduced PD negatively and significantly impacts INT, and PE also has a positive impact on INT. The findings suggest that overall, it is important for bank card issuers to have a balance approach to the market, with focus on increasing usefulness and reducing potential disadvantages of international bank cards.

The Impact of Product Consumption Strategy and Financial Autonomy on Competitiveness of Technology Firms in Vietnam

  • PHAM, Van Thi Hong;NGUYEN, Quynh Thuy
    • The Journal of Asian Finance, Economics and Business
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    • v.8 no.4
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    • pp.819-826
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    • 2021
  • This study aims to determine the impact of product consumption strategy and financial autonomy on the competitiveness of technology firms in Vietnam. This study employs panel data of 27 technology firms collected from listed financial statements of the business for the period (2010-2019). The study also uses some indicators reflecting the macroeconomic situation of the economy collected from the World Bank. Instead of Exploratory Factor Analysis which has been used before, the study uses the feasible generalized least squares (FGLS) estimation as the main method. The FGLS corrects the variance changes and autocorrelation on the dataset of these Vietnamese technology firms. The results reveal that the strategy of product consumption and financial autonomy positively affect the competitiveness of technology firms. These are also two core factors of the technology industry, which have a strong impact on the increase in the competitiveness of firms. The findings of this study suggest that technology firms do not need to invest in many long-term assets, but mainly in short-term assets in order to quickly respond to the strategies for consuming new technology products of the business. In addition, the increase in Gross Domestic Product per capita also positively affects the increase in the competitiveness of technology firms.

A Study on FPGA Implementation of Radix-16 Montgomery Modular Multiplication and Comparison of Power Dissipation (Radix-16 Montgomery Modular 곱셈 알고리즘의 FPGA 구현과 전력 소모 비교에 관한 연구)

  • Kim, Pan-Ki;Kim, Ki-Young;Kim, Seok-Yoon
    • Proceedings of the IEEK Conference
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    • 2005.11a
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    • pp.813-816
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    • 2005
  • In last several years, the need for the right of privacy and mobile banking has increased. The RSA system is one of the most widely used public key cryptography systems, and its core arithmetic operation IS modular multiplication. P. L. Montgomery proposed a very efficient modular multiplication technique that is well suited to hardware implementation. In this paper, the montgomery modular multiplication algorithms(CIOS, SOS, FIOS) , developed by Cetin Kaya Koc, is presented and implemented using radix-16 and Altera FPGA. Also, we undertake comparisons of power dissipation using Quatrus II PowerPlay Power Analyzer.

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IP Design of Corrected Block TEA Cipher with Variable-Length Message for Smart IoT

  • Yeo, Hyeopgoo;Sonh, Seungil;Kang, Mingoo
    • KSII Transactions on Internet and Information Systems (TIIS)
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    • v.14 no.2
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    • pp.724-737
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    • 2020
  • Corrected Block TEA(or XXTEA) is a block cipher designed to correct security weakness in the original block TEA in 1998. In this paper, XXTEA cipher hardware which can encrypt or decrypt between 64-bit and 256-bit messages using 128-bit master key is implemented. Minimum message block size is 64-bit wide and maximal message block size is 256-bit wide. The designed XXTEA can encrypt and decrypt variable-length message blocks which are some arbitrary multiple of 32 bits in message block sizes. XXTEA core of this paper is described using Verilog-HDL and downloaded on Vertex4. The operation frequency is 177MHz. The maximum throughput for 64-bit message blocks is 174Mbps and that of 256-bit message blocks is 467Mbps. The cryptographic IP of this paper is applicable as security module of the mobile areas such as smart card, internet banking, e-commerce and IoT.

A Design of RFID based Product Lifecycle Management System (RFID 기반 상품의 효율적 라이프사이클관리를 위한 통합시스템 설계)

  • Kim, Dong-Min;Lee, Jong-Tae
    • IE interfaces
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    • v.19 no.4
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    • pp.333-341
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    • 2006
  • RFID (Radio Frequency Identification) is a technology that can input identification information to microchip and make goods, animals, persons recognized, chased, and managed using radio frequency, and is founded on the core technology of ubiquitous environment of the future. In this paper, we propose a RFID integrated system designed to manage the lifecycle of an individual product efficiently. The proposed system can enable traceability and visibility of items through their entire life by integrating distribution and banking information on the basis of EPCglobal Network. It may provide the infra of Digital Manufacturing and RTE (Real Time Enterprise) and effective information sharing structure with existing legacy system (ERP, CRM, SCM) by real time.

A Survey on Role of Block Chain in Smart Cities

  • Chokkanathan, K;Shanmugaraja, P;Ramasamy, Siva Shankar;Ouncharoen, Rujira;Chakpitak, Nopasit
    • International Journal of Computer Science & Network Security
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    • v.21 no.7
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    • pp.1-7
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    • 2021
  • An amazing growth in the field of Internet of Things (IoT) and Blockchain based smart cities from both industry and academia has been witnessed in the recent years. There are many smart applications such as intelligent transportation, smart banking, improving the life style of citizen, energy consumption and managing the waste in the city, handling home needs are supporting the Smart city concept. These applications are profoundly supported by the advanced technologies like Blockchain as well as IoT in the recent past. Smart cities can be supported by the Blockchain core concepts such as secure, transparent, decentralized and immutable nature. Still, Blockchain and IoT technologies implementation in smart cities are in their early stages and significant research efforts are desirable to integrate them. This review article explores the roles and responsibilities of Blockchain and IoT in building smart cities.