• Title/Summary/Keyword: Digital Financial Services

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The Impact of Block Chain Characteristics on the Intention to Use Hotel Reservation System in China (중국에서의 호텔예약 시스템의 블록체인 특성이 사용의도에 미치는 영향)

  • JIN, Peng-Ru;LEE, Jong-Ho
    • The Journal of Industrial Distribution & Business
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    • v.10 no.8
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    • pp.33-44
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    • 2019
  • Purpose - As the scope of existing digital transformation expanded to various degrees, the Fourth Industrial Revolution came into being. In 2016, Klaus Schwab, Chairman of the World Economic Forum (WEF), said that the new technologies that lead the fourth industrial revolution are AI, Block chain, IoT, Big Data, Augmented Reality, and Virtual Reality. This technology is expected to be a full-fledged fusion of digital, biological and physical boundaries. Everything in the world is connected to the online network, and the trend of 'block chain' technology is getting attention because it is a core technology for realizing a super connective society. If the block chain is commercialized at the World Knowledge Forum (WKF), it will be a platform that can be applied to the entire industry. The block chain is rapidly evolving around the financial sector, and the impact of block chains on logistics, medical services, and public services has increased beyond the financial sector. Research design, data, and methodology - Figure analysis of data and social science analytical software of IBM SPSS AMOS 23.0 and IBM Statistics 23.0 were used for all the data researched. Data were collected from hotel employees in China from 25th March to 10th May. Results - The purpose of this study is to investigate the effect of the block chain characteristics of the existing hotel reservation system on the intention to use and to examine the influence of the block chain characteristics of the hotel reservation system on the intention to use, We rearranged the variables having the same or similar meaning and analyzed the effect of these factors on the intention to use the block chain characteristic of the hotel reservation system. 339 questionnaires were used for analysis. Conclusions - There are only sample hotel workers in this study, and their ages are in their 20s and 30s. In future studies, samples should be constructed in various layers and studied. In this study, the block chain characteristics are set as five variables as security, reliability, economical efficiency, availability, and diversity. Among them, Security and reliability made positive effects on the perceived usefulness. Also, security and economics did on the perceived ease. Availability and diversity did on both perceived usefulness and perceived ease. Perceived ease did on perceived usefulness. And perceived ease and perceived usefulness did on user intent. But security and economics did not on the perceived usefulness

Effects of Perceived Value and Value Congruence on Loyalty about Products or Services Provided by Social Enterprises: Focused on Commitment and Trust (인지된 가치와 가치 일치성이 사회적 기업 제품과 서비스 충성도에 미치는 영향: 몰입과 신뢰를 중심으로)

  • Kim, Byoungsoo;Lee, Yoonjae
    • Journal of Digital Convergence
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    • v.18 no.1
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    • pp.83-92
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    • 2020
  • Establishing a financial independence is essential for sustainable growth of social enterprises. In this vein, this study investigated the key factors that affect customer loyalty about the products or services provided by social enterprises. Commitment and trust in social enterprises were considered as main factors affecting customer loyalty. We also examined the effects of functional, hedonic and social value about the products or services of social enterprises on purchasing decision-making processes. The research model analysis was conducted on 204 consumers using social enterprises in Dong-gu, Daegu. The analysis of research model has shown that commitment and trust had a significant impact on customer loyalty about the product or service of those enterprises. Functional value did not have a significant effect on commitment, while it had a significant effect on trust. Hedonic value had a significant impact on both commitment and trust. Social value had a significant effect on commitment, but not on trust. Value congruence had a significant effect on both commitment and trust. Based on the our findings, it is expected that it would help establish operational and marketing strategies to improve competitiveness in products and services of social enterprises.

A Study on Ways to Relieve User's Anxiety Caused by Simplification of Easy Money Transfer Service (간편송금 서비스 간소화에 따른 사용자의 불안감 해소방안 연구)

  • Kim, So-Young;Kim, Seung-In
    • Journal of Digital Convergence
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    • v.20 no.1
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    • pp.293-299
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    • 2022
  • The purpose of study is to relieve the users' anxiety caused by the simplification of the easy money transfer service. With the development of technology, financial services are being simplified, but on the contrary, the chasm occurs. The study was conducted in two rounds. First, based on UTAUT, the perception of the service and the willingness to accept the technology were investigated through a questionnaire. Second, after presenting the tracking function of the remittance situation derived through the heuristic method, in-depth interviews were conducted on reliability and intention to continue using it. As the result, it was found that the clear feedback had a positive effect on relieving users' anxiety. It is expected that studies approaching the chasm from the point of view of design will be actively conducted.

MTS Service Environmental Quality's Effects on the Customer Satisfaction and Continuous Use Intention in the Agile Business Environment (애자일 경영 환경에서의 모바일증권거래시스템 서비스 환경 품질이 고객만족과 지속적 사용의도에 미치는 영향)

  • Chang, Hwan-Shick;Noh, Hye-Young;Kim, Dae-Cheol
    • Journal of Korean Society of Industrial and Systems Engineering
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    • v.42 no.3
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    • pp.131-141
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    • 2019
  • Recently the business environment surrounding the financial investment industry is changing rapidly, and the demands of customers (diversity and the cycle of change etc.) are getting shorter. In this context, it can be said that companies are forced to adopt an agile management environment. In particular, non-face-to-face channels, including MTS, is adopting the agile system into the digital finance sector from a company-wide and strategic perspective. This study analyzed the effects of MTS services' environment quality on customer satisfaction and continuous intention to use for MTS users who are rapidly increasing under the agile management environment in the financial investment industry. This study surveyed the quality of service environment (accessibility, convenience, design, security), customer satisfaction, and continuous intention to use for 350 MTS users. First, accessibility, convenience, and security of MTS service environment quality had a positive effect on customer satisfaction, and design was rejected Second, customer satisfaction has a positive effect on continuous intention to use. Third, convenience and security of MTS service environment quality have positive effects on continuous intention to use, and accessibility and design were rejected. The results of this study, together with demographic analysis, are expected to provide useful implications for MTS activation studies and securities firms' strategies.

Financial performance analysis based on efficiency evaluation of Regional Public Hospital (지방의료원의 운영효율성 평가에 따른 재무성과 분석)

  • Lee, Jin-Woo
    • Journal of the Korea Academia-Industrial cooperation Society
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    • v.18 no.4
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    • pp.614-623
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    • 2017
  • The purpose of this study is to analyze the impact of the financial performance of regional public hospitals on their efficiency. In addition, the analysis of their efficiency using environmental factors, such as the market share, operating mode, and size of the regional public hospitals, as well as the factors influencing their efficiency, are selected by selecting the input and output factors of the hospitals and some differences were found between them. The DEA index and financial performance of the 31 regional public hospitals were calculated for the three years from 2012 to 2014. ANOVA and hierarchical regression analysis were used. As a result, there was a significant difference in their efficiency according to the environmental factors, such as the city scale of the regional public hospital, the number of hospital beds, and their business performance, productivity, and publicness. The medical profit margin (p<0.05), labor cost investment efficiency (p<0.05) and HHI (p<0.05) were found to affect the efficiency. In order to identify the inefficiencies of the regional public hospitals and increase their efficiency, it is necessary to measure the efficiency of the input resources and to reduce their cost. In addition, if the regional public hospitals were to provide specialized services, such as specialized functions of medical care that would give them a competitive advantage over private hospitals, their operational efficiency would be enhanced and they would be able to fulfill their role as public medical institutions.

Analysis on the Ripple and Investment Effect of Digital Bio-Healthcare Industry : Using Input-Output Tables 2019 (디지털바이오헬스케어(Digital Bio-Healthcare)산업의 파급효과 및 투자효과 분석 : 2019년 산업연관표를 중심으로)

  • Jang, Pilho;Kim, Yonghwan;Lee, Changwoon;Jun, Sungkyu;Jung, Myungjin
    • Journal of Internet Computing and Services
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    • v.21 no.3
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    • pp.71-81
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    • 2020
  • The digital bio-healthcare industry is one of the three major fostering industries of the Korean Moon Jae-In government. The purpose of this study is to compare and analyze the ripple effect and investment effect in digital bio-healthcare industry. Analyzing the ripple effects of the digital bio-healthcare industry is very important to induce policies on industry and technology development. First, the research methods were reclassified into 33 industries in the standard industry classification and rewritten into 35 industry classification tables. Second, various trigger coefficients and ripple effects coefficients were rewritten by the analysis framework of the industrial association table. Third, we compared the ripple effects of related industries in the production, investment, value-added and jobs sectors of the digital bio-healthcare industry. Finally, in terms of investment effects, the effects of in-house and related industries were compared. The result of this study would be helpful in the establishment of industrial policy and technology development policy.

A study on the ecosystem activation of mobile sector: focused on small and medium businesses (모바일 분야 생태계 활성화 방안 연구 : 중소기업을 중심으로)

  • Ahn, Jong-Chang;Lim, Chae-Young;Joe, Moon-Jeung
    • Journal of the Korea Academia-Industrial cooperation Society
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    • v.18 no.11
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    • pp.390-398
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    • 2017
  • In this study, we conducted a questionnaire survey for the purpose of finding a method of mobile sector ecosystem activation targeted at small and medium businesses (SMBs). Through the total of 204 responders consisting of business employees from each mobile sector, we analyzed the factors inhibiting the development of the mobile ecosystem and preventing the activation the mobile market, as well as conducting a diagnosis of the digital potential. This paper presented suggestions for searching for a systematic supporting strategy considering the short-term inhibitory factors (market structure improvement, financial support, etc.) and long-term orientation factors (personnel nurturing, strengthening of supporting role by governmental initiative) for the activation of the domestic mobile market. After measuring the digital potential, we found that domestic mobile SMBs have perceived the importance of the digital potential and have considered and readied themselves for the future market. The present survey found that if suitable digitalization can be accomplished for their firms' products and services, they have the ability and willingness to succeed in the market. However, they have a hard task ahead of them from adigital delivery perspective given the potential for digital disruptions.

A Study on the Promotion of B2B e-Marketplace by the Strategic Use of e-Credit Guarantee System (전자신용보증 제도의 전략적 활용과 B2B e-Marketplace의 활성화)

  • Lee, Geum-Ryong;Sam, Seong-Ryeol
    • 한국디지털정책학회:학술대회논문집
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    • 2005.06a
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    • pp.145-175
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    • 2005
  • In 2001, e-Credit guarantee system was introduced by the Korea Credit Guarantee Fund(KCGF) to extends the credit guarantee services for the purchasing amount on credit in the B2B e-Marketplace. It combines both the merits of bill of exchange and credit card and eliminates the uneasiness related to the unpaid accounts due to the non-facial e-Marketplace. The purpose of this paper is to empirically analyze both the causal relationship and influences among theoretical variables by the structural equation model(SEM). e-Credit guarantee system can be a good strategy for promoting B2R e-Marketplace. The level of application of e-Credit guarantee system is attributable to both the characteristics of B2B e-Marketplace and products. The cost reduction or saving in purchasing procedures, production and stockpiling will be possible through e-Credit guarantee system. The close linkage of financial institutions with the enterprises based on e-Credit guarantee system will further promote B2B e-Marketplace in Korea.

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Analysis of Productivity by Environmental Factors in Regional Base Public Hospitals (지역거점 공공병원의 환경적 요인에 따른 생산성 분석)

  • Lee, Jinwoo
    • Korea Journal of Hospital Management
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    • v.22 no.3
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    • pp.46-60
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    • 2017
  • The purpose of this study is to analyze the difference of productivity according to environmental factors among 25 Regional base public hospitals. Also this study is to propose a method to improve the productivity of Regional base public hospitals in the future by improving the public performance and stable management performance by studying the productivity variables affecting profitability. The survey period was based on the last three years, and 25 Regional base public hospitals were selected for the survey. The dependent variable is the total capital medical marginal profitability and the medical profit marginal profitability which are the indicators of profitability. The independent variable, productivity, is classified into three indicators: capital productivity, labor productivity, and value added productivity. The ANOVA analysis method was used to analyze the productivity difference according to the frequency factor and the environmental factors of the Regional base public hospitals. Finally, we conducted a hierarchical regression analysis to examine the productivity variables affecting profitability. The results of this study showed that there were differences in productivity due to environmental factors such as hospital size, competition in the local medical market, and differences in management performance. The difference in productivity and profitability depending on the environmental factors suggests that it is difficult for Regional base public hospitals in each regional base to perform a balanced public service. In order to overcome this, it is necessary to provide balanced medical services such as government financial support expansion, regional medical demand forecasting and facility infrastructure construction.

Full-text databases as a means for resource sharing (자원공유 수단으로서의 전문 데이터베이스)

  • 노진구
    • Journal of Korean Library and Information Science Society
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    • v.24
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    • pp.45-79
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    • 1996
  • Rising publication costs and declining financial resources have resulted in renewed interest among librarians in resource sharing. Although the idea of sharing resources is not new, there is a sense of urgency not seen in the past. Driven by rising publication costs and static and often shrinking budgets, librarians are embracing resource sharing as an idea whose time may finally have come. Resource sharing in electronic environments is creating a shift in the concept of the library as a warehouse of print-based collection to the idea of the library as the point of access to need information. Much of the library's material will be delivered in electronic form, or printed. In this new paradigm libraries can not be expected to su n.0, pport research from their own collections. These changes, along with improved communications, computerization of administrative functions, fax and digital delivery of articles, advancement of data storage technologies, are improving the procedures and means for delivering needed information to library users. In short, for resource sharing to be truly effective and efficient, however, automation and data communication are essential. The possibility of using full-text online databases as a su n.0, pplement to interlibrary loan for document delivery is examined. At this point, this article presents possibility of using full-text online databases as a means to interlibrary loan for document delivery. The findings of the study can be summarized as follows : First, turn-around time and the cost of getting a hard copy of a journal article from online full-text databases was comparable to the other document delivery services. Second, the use of full-text online databases should be considered as a method for promoting interlibrary loan services, as it is more cost-effective and labour saving. Third, for full-text databases to work as a document delivery system the databases must contain as many periodicals as possible and be loaded on as many systems as possible. Forth, to contain many scholarly research journals on full-text databases, we need guidelines to cover electronic document delivery, electronic reserves. Fifth, to be a full full-text database, more advanced information technologies are really needed.

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