• Journal of Korea Society of Digital Industry and Information Management
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• v.15 no.3
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• pp.197-206
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• 2019

Telemarketing has been used in finance due to the reduction of offline channels. In order to select telemarketing target customers, various machine learning techniques have emerged to maximize the effect of minimum cost. However, there are problems that the class imbalance, which the number of marketing success customers is smaller than the number of failed customers, and the recall rate is lower than accuracy. In this paper, we propose a method that solve the imbalanced class problem and increase the recall rate to improve the efficiency. The hybrid sampling method is applied to balance the data in the class, and the stacked deep network is applied to improve the recall and precision as well as the accuracy. The proposed method is applied to actual bank telemarketing data. As a result of the comparison experiment, the accuracy, the recall, and the precision is improved higher than that of the conventional methods.

• Journal of information and communication convergence engineering
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• v.2 no.4
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• pp.205-208
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• 2004

In this paper, we analyzed the performance of SDR-based dual-band CDMA system in wideband multipath channel employing RAKE receiver with MRC diversity. For the simulation of SDR-based dual-band CDMA system, we used digital IF techniques, polyphase analysis filter bank as channelizer. Also, Remez exchange algorithm is employed in the realization of the digital filter in the polyphase analysis filter bank. For performance analysis of dual-band CDMA system, we consider power loss of IF signal after passing through channel and the filter. Also, the performance for different sampling rates is analyzed.

• KSII Transactions on Internet and Information Systems (TIIS)
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• v.16 no.3
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• pp.861-876
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• 2022

Cryptoassets such as Bitcoin and Ethereum are widely traded around the world. Cryptocurrencies are also transferred between investors. Cryptocurrency has become a new and attractive means of remittance. Thus, blockchain-based smart contracts also attract attention when central banks design digital currencies. However, it has been discovered that a significant amount of cryptoassets on blockchain are lost or stranded for a variety of reasons, including the loss of the private key or the owner's death. To address this issue, we propose a method for recoverable transactions that would replace the traditional transaction by allowing cryptoassets to be sent to a backup account address after a deadline has passed. We provide the computational workload required for our method by analyzing the prototype. The method proposed in this paper can be considered as a good model for digital currency design, including central bank digital currency (CBDC).

• Journal of Service Research and Studies
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• v.13 no.2
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• pp.130-145
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• 2023

The digital transformation of finance is accelerating, and digital banking has already become a major banking channel. Banks have traditionally placed importance on CRM(Customer Relationship Management) and have tried to retain their loyal customers, who contribute significantly to the bank, such as long-term transactions, holding accounts with a certain balance or more, and holding loans. In this situation, this study exploratorily analyzed the consumer behavior of digital banking deposits in a major bank of Korea(1,145 samples). Statistical analysis was performed using SPSS. The main findings of the study are summarized as follows. It was found that there were differences of consumer behavior in digital banking deposits by generation, and the MZ generation used digital banking more on holidays than other generations. As a result of analyzing the behavior of existing loyal customers and regular customers of digital banking deposit, there was a significant difference in both the amount and period of the deposit. It was confirmed that the existing loyal customers of the bank also engage in consumer behavior that contributes to the bank in digital banking. In addition, the interaction between the customer type and the date of sign up for the deposit period, which is the goal setting of financial consumers, it was found that there was a significant effect. This study empirically analyzed the consumer behavior of digital banking in a situation where decrease of bank branches and encounters with digital banking. The major concepts of the consumer behavior theory are Loyal Customer, Goal Pursuit, and Habit, which were confirmed in an example of digital banking. The results of this study can suggest practical implications for existing banks and Internet-only banks, including the importance of customer management in digital banking.

• Journal of the Economic Geographical Society of Korea
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• v.10 no.3
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• pp.281-303
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• 2007

This paper examines the mainbank relationships of SMEs after the 1997 financial crisis in Incheon-Kyunggi and Daejeon-Chungnam regions where local banks have been merged by national banks. The results are as follows. First, national banks(except Industrial Bank of Korea and Kookmin bank) are reluctant to be mainbanks of regional SMEs. Second, those firms which have mainbank relationships with national banks borrow from relatively large number of banks. Third, their size measured by employees are relatively large. These tendencies become clearer after the 1997 financial crisis. It is the Industrial Bank of Korea and Kookmin bank that play important roles as mainbanks of regional SMEs. National banks including the Industrial Bank of Korea and Kookmin bank cannot be relationship lenders to SMEs due to the Williamson-type organizational diseconomies. It means that to ease the regional financial problems regional financial institutions are expected to play more active roles.

• Journal of the Korea Convergence Society
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• v.9 no.1
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• pp.277-282
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• 2018

This study aims to present a direction for securing continuous growth and confidence, centering on two Internet banking companies that started recently. The banking market has been rewriting the history since the emergence of Internet professional banks. In order to improve the credibility and promote the development of the Internet professional banks, I conducted a questionnaire survey and In Depth Interview. As a result of this survey, the overall reliability is still low, and the factors affecting reliability are: 1.Security problem 2.Discomfort of customer service 3.Errors and unnecessary services. This is a start-up business, so the awareness and reliability can be changed soon. Therefore, it is necessary to continue research on this according to the changing user's perception.

• Journal of Digital Convergence
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• v.20 no.2
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• pp.91-105
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• 2022

Most of the preceding studies related to Internet Primary banks are studies on laws, regulations, and expected effects of introduction, and studies on financial consumers' intention to switch to financial services are insufficient. Apply to the PPM(Push-Pull-Mooring)theory to find out the factors that influence financial consumers' intention to switch services from commercial banks to Internet Primary banks. A survey was conducted service users, 1st-order and 2nd-order factor analysis were performed using Smart PLS 3.0. As a result, it was confirmed that the Pull, Push and Mooring had a positive (+) effect on the Intention to Switch, and the Mooring, which is a moderating variable, did not have a moderating effect on the Intention to Switch of the Push and the Pull. The scope of application of the PPM theory, which was used in the service conversion research, was extended to Fintech services, and it can provide various practical useful implications, such as the strategy and spread of Internet Primary banks, and it will be used in various studies to study consumer attitudes.

• International Journal of Advanced Culture Technology
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• v.8 no.4
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• pp.271-278
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• 2020

Modern financial services go beyond the stage of internet banking, and new concepts of financial transactions such as Internet of Things, mobile banking, electronic payments, and fintech have emerged. As a result, banks are less influential in financial transactions, and changes are being demanded. In the present era, the basic business of banks has decreased, and it is transforming into a space where both consumer finance work and reside. The bank office stands for the brand image of the bank, and it is represented by trust with customers in the basic business of financial transactions, and the rise in real estate value is a natural social phenomenon due to the nature of the location and location of real estate owned by the bank. The business method and space of the bank office that meets the new paradigm of the modern society is an inefficient space only for the convenience and rest of consumers, but it must be used as a variety of spaces suitable for the region to increase the functional value of the bank office. Through this study, as a convenience space for consumers, various service facilities should be introduced to understand the characteristics of the region as a convenience space for consumers, and various service facilities should be introduced to meet the needs of consumers, and the bank office should be improved as a complex service space for local residents.

• Asia-Pacific Journal of Business Venturing and Entrepreneurship
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• v.15 no.2
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• pp.209-220
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• 2020

This study aimed to analyze characteristics of banker's personality who were engaged in five commercial banks (KB Kookmin Bank, Shinhan Bank, Woori Bank, KEB Hana Bank and NH Nonghyup Bank) with Big5 personality traits and also, investigate the influence of personality traits on entrepreneurial intention and digital media utilization capability, especially based on preceding research. Also, it analyzed mediated effect of digital media capability between Big5 personality traits and entrepreneurial intention. First, the analysis results of the influence of Big5 personality traits on the entrepreneurial intention showed that extroversion, openness had positive impact on the entrepreneurial intention but sincerity had negative impact on the entrepreneurial intention. Second, the friendliness, sincerity, openness had positive impact on contents utilization capability while openness had positive impact on the communication utilization capability. Third, the influence of communication utilization capability on the entrepreneurial intention was positive. Fourth, the mediated effect of digital media capability between Big5 personality traits and entrepreneurial intention discovered that the communication utilization capability mediated the openness and entrepreneurial intention. It's required to look for the bankers with extroversion, openness that positively influenced entrepreneurial intention and carry out systematic, practical entrepreneurship education to help set up actual business after retirement. This study successfully derive conclusion that it's in urgent need to improve entrepreneurship education program so that the bankers could strengthen their communication utilization capability and improve their capability to gather various information through entrepreneurship education and furthermore, create new value followed by starting their own business.

• KNOM Review
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• v.24 no.2
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• pp.1-12
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• 2021

Recently, research on CBDC (Central Bank Digital Currency) has been actively conducted for various reasons by countries around the world. In addition, with the dazzling development of blockchain technology, blockchain technology is being adopted in CBDC. In this paper, we propose a blockchain-based CBDC system that can be effectively used in the traditional banking system. We also analyze the requirements of CBDC and suggest ways to commercialize CBDC. We present a system design and implementation method, especially in terms of compatibility, interoperability, and privacy.