• Title/Summary/Keyword: Digital bank

Search Result 203, Processing Time 0.024 seconds

Web Accessibility Compliance of Internet Bankings in Korea (국내 인터넷 뱅킹 사이트의 웹 접근성 준수 실태)

  • Hyun, Joon-Ho;Kim, Byung-Cho
    • Journal of Information Technology Services
    • /
    • v.7 no.2
    • /
    • pp.77-93
    • /
    • 2008
  • According to the statistics revealed by Bank of Korea on March, 2007, Internet banking transactions outnumbered face-to-face banking services in Korea. Internet banking is becoming essential in every financial service sectors. For people with disabilities, Internet banking is more meaningful because they do not need to visit the bank, thereby saving inconvenient trips. Governments in many countries are working on setting standards and laws on the web accessibility for people with disabilities. Korea government enacted Korea Disability Discrimination Act in 2007. This paper examined the web accessibility compliance of Internet banking sites. Twenty one Internet banking sites were selected from the list in the Korea Federation of Banks's Web sites. We examined four major checkpoints that are considered crucial among the fourteen checkpoints in "Internet Web Contents Accessibility Guidelines" which was amended by Ministry of the information and Communication in 2005. The results showed that all of the twenty one Internet banking sites didn't meet the four major checkpoint requirements. Moreover, only one banking site satisfied alt-text requirement that is considered the most fundamental among the checkpoints.

Case Study: The Effect of Management Consulting of the A Bank on Business Performance of Consulting Client Firms and Their Contribution to the Bank (은행의 경영컨설팅이 수진기업의 경영성과와 은행의 기여도에 미치는 영향에 관한 연구 - A 은행의 수진기업을 중심으로 -)

  • Yang, Yong-Hyeon;You, Yen-Yoo
    • Journal of Digital Convergence
    • /
    • v.12 no.5
    • /
    • pp.131-138
    • /
    • 2014
  • Management consulting by a bank is expected to have a win-win relationship to the mutual development of the banks and client firms. Previous studies also claimed that consulting had a positive impact on the competitiveness and business performance of the firms. Nevertheless, few empirical studies were found to analyze the relationship and explain the result whether consulting had really enhanced the competitiveness and performance of the businesses after consulting. The present paper has empirically analyzed the impact of a management consulting by a bank on the business performance of the client firms and on the contribution to the bank. In terms of client firms, the financial results of the client companies such as stability, profitability and growth potential were compared before and after the consulting; in terms of the bank, the changes in the last three-month average outstanding of deposits and loans were measured and verified in order to measure the contribution of the client firms to bank. A significant effect was confirmed in this study of the consulting on the client firms' the debt ratio-an item of financial stability and sales growth-an item of the growth potential.

Introduction of the Internet-only Bank and Development direction Proposal (국내 인터넷 전문은행의 도입과 발전 방향 제안)

  • Choi, Jeong-Il
    • Journal of Digital Convergence
    • /
    • v.14 no.9
    • /
    • pp.139-147
    • /
    • 2016
  • Korea is ahead of the launch of internet banking professional following to America, Europe and Japan. Internet banking is a professional non-store bank to conduct business such as deposits and loans on the internet and call centers. It is operating in a low-cost structure and minimizes the loans and deposits, various fees than traditional banks and obtains a profit. In order to be successful internet banking professional to develop a differentiated work with the existing banks should be competitive. In this paper, we explore and analyze the cases of Japan and the United States to present the future direction of domestic Internet banking professional future. Also it is expected to enable faster and more convenient one-stop financial services. Internet specialized bank is expected to continue to develop further by the inevitable competition with conventional banks as developing differentiated financial services. Deregulation of banks and industries and participation of various companies of security, insurance, telecommunications, and retail are expected to lead to the convergence among industries and development of new financial services.

Development and Applications of Ecological Data Portal Service (EcoBank) for Sharing Ecological Information of Korea (생태정보의 공유를 위한 생태정보 포털서비스 (EcoBank) 구축 및 활용 방안)

  • Sung, Sunyong;Kwon, Yong Su;Kim, Ki Dong
    • Korean Journal of Ecology and Environment
    • /
    • v.51 no.3
    • /
    • pp.212-220
    • /
    • 2018
  • Ecological and ecosystem database is becoming very necessary to understand origins and relationship between human and nature and also to minimize disturbance caused by human activities. An ecological information portal can play important roles as a computing system to collect knowledge, distributed research findings and separated data from researchers. In this study, we designed and developed ecological information portal service (EcoBank 1.0) for collecting and providing ecological information for diverse classes of stakeholders. To reach the goal, we had reviewed related and comparable ecological database portals to design conceptual structure of EcoBank system including database management framework. Then, we developed some functions of ecosystem analysis for each stake-holders (researchers, general public and policy makers). As a result of this study, we successfully designed of EcoBank system covering the functions of Digital Object Identifier(DOI) publishing and data quality management process. Also, we (1) applied ecological indices for calculating biodiversity by administrative boundary for policy makers, (2) provided statistical information of econature map for general public and distribution characteristics of species for researchers. To make a successful establishment of EcoBank, we have to collect and build up related database and offer various and reliable ecological data consistently. We expect that the successful construction of EcoBank will help not only to accomplish sustainable development goals but also to raise the welfare of ecosystem in Korea.

A Literature Study on Digital Currency and Historical Developments of Money: Dynamic Pattern in Currency, Central Bank Digital Currency and Libra (디지털화폐와 화폐 변천과정에 관한 문헌적 연구: 동적패턴, CBDC, 리브라를 중심으로)

  • Kim, Euiseok
    • The Journal of Society for e-Business Studies
    • /
    • v.25 no.2
    • /
    • pp.109-126
    • /
    • 2020
  • This study attempts to find out the characteristics of digital currency and currency transformation through the analytical descriptions of the literature. In the early days of the emergence of new currency, market-oriented autonomous monetary adjustment was made along with various attempts by the private sector, and then government-centered central currency management and coordination were made for the national monopoly of profits and power. Digital currency can be seen as the emergence of a new form of money that will bring about paradigm changes. CBDC can be divided into direct and indirect types. CBDC is expected to require a strategic approach by the government or firm as it will bring about changes in the ecosystem of related industries. Libra is a stablecoin designed to minimize price fluctuations, and if it succeeds in commercializing it, it is expected to bring about revolutionary changes in the financial industry around the world.

Relationship-oriented Social Media Marketing Strategy in Banking Service Company - Focusing on Industrial Bank of Korea (금융기업의 관계지향적 소셜 미디어 마케팅 성공 전략 -IBK 기업은행 사례를 중심으로)

  • Ro, Eun-Jik;Kim, Bo-Young
    • The Journal of the Korea Contents Association
    • /
    • v.12 no.1
    • /
    • pp.460-475
    • /
    • 2012
  • The relationship between Korean bank and customer are known as rigidity compare to other industry. The conservative organizational culture is often found in Korean banks. Today, Korean banks are facing dramatic change in digital world in that new wave in online intensifies the connectivity with bank customers and potentials. The introduction of social media would force to develop new marketing strategy in terms of the relationship oriented behavior. The case study presents the findings of a social media marketing strategy which was conducted in Industrial Bank of Korea in 2009-2011. More specifically, the study was designed to determine and evaluate the importance of social media marketing by retail bank in strategic instrument. Also it sets out to determine the perceived usefulness of the relationship oriented services offered by banks to their visitors and followers what these banks can do in order to improve bank services to improve competitive. Using the six relationship activity factors, the banks were examined in the study, a set of core activities (trusty worthy, empathy, shared value, emotional bonding, rich communication) are defined and described.

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
    • /
    • v.22 no.2
    • /
    • pp.95-102
    • /
    • 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.

Design of Subband Image Encoder by Discrete Wavelet Transform

  • Huh, Young;Rhee, Kang-Hyeon
    • Proceedings of the IEEK Conference
    • /
    • 2002.07b
    • /
    • pp.864-867
    • /
    • 2002
  • Introduction of digital communication network such as Integrated Services Digital Networks(ISDN) and digital storage media have rapidly developed. Due to a large amount of image data, compression is the key techniques in still image and video using digital signal processing for transmitting and storing. Digital image compression provides solutions for various image applications that represent digital image requiring a large amount of data. in this paper, the proposed DWT(Discrete Wavelet Transform) filter bank is consisted of simple architecture, but it is efficiently designed that a user obtains a wanted compression rate as only input parameter. If it is implemented by FPGA chip, the designed encoder operates in 12MHz.

  • PDF

Dual Signature Scheme to provide efficient message decryption (효율적인 메시지 복호화를 제공하는 이중 전자서명 방식)

  • 김근옥;남정현;김승주;원동호
    • Journal of the Korea Institute of Information Security & Cryptology
    • /
    • v.13 no.5
    • /
    • pp.129-136
    • /
    • 2003
  • A representative payment broker system is SET and one of its signature shcemes is a dual digital signature scheme. A dual digital signature scheme expose neither user's payment information(credit card number etc.) to merchandiser, nor user's order information to bank So it keeps user's Privacy safe. The digital signature scheme like this is being necessary as E-commerce is revitalized. But a dual digital signature of SET is not appropriate for wireless environments because it needs so many computations and communications. In this paper, we propose a signcryption scheme that generates a polynomial using a payment information for merchandiser and an order information for bank in order to reduce communications. We analyze the problem of existing signcryption schemes and dual digital signature schemes. Also we analyze the security properties of the proposed scheme.