• 산업경영시스템학회지
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• 제43권1호
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• pp.50-60
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• 2020

The omni-channel customer system is the communication system between enterprise and customer via multiple channels such as mail, email, SMS, and mobile. The omni-channel customer system complements each other channel through the integration of each channel. The purpose of this research is to derive key factors and calculate the weights that a financial enterprise considers when adopting the omni-channel customer system. For this research, we analyzed the request for proposal documents used for the omni-channel customer system implementation projects in the financial enterprise. Also, we derived, classified, and stratified the key factors to be considered for the introduction of the omni-channel customer system in the financial enterprise. As a result of analyzing the key factors, customer experience, operations, and security were identified as the components of the top category in introducing the omni-channel customer system in the financial sector. Furthermore, the weight for each key factor was calculated by using ANP. As a result of ANP, operations, customer experience, and security were important in order. Also, the degree of easiness for connecting with other systems and the various abilities for representing the contents of the omni-channels were derived as the important key factors.

• Journal of Information Technology Applications and Management
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• 제23권4호
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• pp.25-39
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• 2016

Asset prices decline sharply and stock markets collapse when financial crisis happens. Recently we have encountered more frequent financial crises than ever. 1998 currency crisis and 2008 global financial crisis triggered academic researches on early warning systems that aim to detect the symptom of financial crisis in advance. This study proposes a risk recovery index for detection of good opportunities from financial market instability. We use SVM classifier algorithms to separate recovery period from unstable financial market data. Input variables are KOSPI index and V-KOSPI200 index. Our SVM algorithms show highly accurate forecasting results on testing data as well as training data. Risk recovery index is derived from our SVM-trained outputs. We develop a trading system that utilizes the suggested risk recovery index. The trading result records very high profit, that is, its annual return runs to 121%.

• 산업융합연구
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• 제2권1호
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• pp.187-216
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• 2004

After Asian financial crisis hit the Korea, Korean government and Korean firms need to restructure their system. Specially financial sector has to renew its system. One way renew its system was adjust company's labor system. The forms of labor adjustment are external numerical flexibility, externalization, internal numerical flexibility, functional flexibility and wage flexibility. These five forms based on two big categories which are wage flexibility and employment flexibility. This study only focus on th effect of employment flexibility in financial sector in Korea. Employment flexibilities can be practice as employment adjustment. Also we concentrate on separation and re-accessors to other financial institute after the separation. The result shows that Korean financial sector are in the range of 10.78% and the job destruction rates are about 11.26%. During the period from year 1998 to year 2002, the numbers of accession has down about 30%. The logit statistical analysis for separation shows that demographical variables and the reasons of separation affected separation and reemployment.

• 산업경영시스템학회지
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• 제46권3호
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• pp.198-208
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• 2023

In order to enhance competitiveness in the industry, financial companies are building a high level of customer satisfaction and repurchase intention by further strengthening not only the technical quality of the platform business but also the customer-oriented service quality. Theoretically, it is time for a theoretical review of whether the expansion of service quality using platform business in the financial industry is directly linked to the performance of financial companies, such as satisfaction and repurchase intention of existing customers. Based on the rapid growth of mobile and the main activities of financial platform companies above, This study attempted to test a significant impact on customer satisfaction and reuse intention on information services and system services, which are service quality of mobile financial platforms. Even if a number of financial companies compete with each other, they could survive by dividing the market, In the digital environment, customers have free access, so the winner can monopolize the market. It is an environment in which customers can move to platform companies that provide better services. The contents presented through the results in this study will be able to be used strategically in terms of the implementation and operation of the financial platform. In addition, it served as an opportunity to find independent variables that affect customer satisfaction and reuse intention, which are financial platform service quality, and suggested the possibility of continuous development of the platform in the future. In summary, the service quality of financial platforms can further expand users by emphasizing user visibility in terms of information services and utilizing user-centered financial platforms that increase customer satisfaction and reliability by strengthening the responsiveness and ease of system services. This study is of important value and is believed to have laid an important foundation for future research.

• 문화기술의 융합
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• 제3권4호
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• pp.199-205
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• 2017

클라우드 컴퓨팅은 시스템 자원의 적절한 분배 활용이 가능한 만큼 금융회사의전산시스템에 클라우드를 적용할 경우 가용성 유지와 비용절감 측면의 큰 이점을 기대할 수 있다. 2016년 10월 금융감독규정의 일부조항 개정이 있었지만 이는 비중요 정보처리시스템에 국한된 내용으로 전자금융시스템을 포함한 금융회사 전체 전산시스템의 클라우드 적용을 제한하고 있다. 본 논문에서는 금융회사 전산시스템 클라우드 적용을 위한 전산인프라시스템 적용 모델과 클라우드 보안 위협 정의를 통해 클라우드 보안 요구사항을 연구 한다.

• 한국전자거래학회지
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• 제3권1호
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• pp.155-173
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• 1998

In this paper we present the development of internet banking and its impact on financial market. The internet banking has been introduced since 1990s, from which customers could obtain most financial services over internet, and will replace with the traditional banks. According to a survey, most of bankers agree that internet will play an important role in banking industry. The internet banking has an enormous impact on the transfer system and banking industry. The transfer system is divided into two-large-value transfer system and small-value transfer system, depending on the size of its transfer amount. The internet banking will enhance the transfer system, especially small-value transfer system. It will reduce the time lag between transaction of service and its payment. However, a congestion or a blockage in a part of network might stop the financial service all over the network, which is called "computer risk". As internet banking develops, banks have incentives to reduce their branches and have to compete with information-business companies which can offer financial EDI.

• The Journal of Asian Finance, Economics and Business
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• 제7권9호
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• pp.169-178
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• 2020

In this paper, we provide an overview of financial development in Vietnam. Particularly, a new approach of this study is to measure financial development through improvements in depth, efficiency and access of the banking system and stock market. Further, the study examines the factors significantly affecting financial development in Vietnam. The data are collected in Vietnam, an emerging country with a limited financial development. We employ the Autoregressive Distributed Lag (ARDL) approach, which generates a high reliability and suits data characteristics of emerging countries like Vietnam. We observe that Vietnam's banking system plays a key role in supplying credits to the economy while the nascent stock market at a limited size shows its potential for a considerable growth in the future. We also find the influential determinants of financial development in Vietnam including real estate market (RE), economic growth (EG), consumer price index (CPI), and global financial crisis (GFC). These findings are essential for Vietnamese authorities in providing practical solutions in order to build a sustainable and synchronous financial development. They are also first empirical evidence relating to an overview of financial development in an emerging country, so they are not only valuable to Vietnam but also crucial to other emerging economies.

• 한국콘텐츠학회논문지
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• 제8권3호
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• pp.215-224
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• 2008

연결재무제표는 자본시장의 국제화에 따라 기업의 해외자금을 조달과 외국인 투자기업 국제적기업에게 필요한 사항이다. 본 논문의 연결재무제표정보공시에 따른 분석결과는 첫째, 감사의견이 반영된 연결재무제표를 공시함으로써 신뢰하고 유용한 재무정보 제공이 된다. 둘째, 연결재무제표를 주 재무제표로 하고 개별재무제표를 보조 재무제표로 하는 국제적 정합성에 부합하게 된다. 국제회계기준 도입을 앞두고 국제회계기준 로드맵에 의하여 2009년부터 국내법인이 국제회계기준을 조기에 적용이 가능 할 것이다. 셋째, 연결손익계산서 대상으로 법인세를 과세하는 연결납세제도의 실용화를 촉진하는 데 중요한 역할을 할 것이다(미국은 1917년, 일본은 2002년 연결납세제도 도입).

• 한국컴퓨터정보학회논문지
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• 제14권4호
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• pp.141-152
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• 2009

본 연구에서는 전사적 자원관리 시스템에서 제공되는 기능 중에서 기업회계 및 재무 부문의 전략적인 정보 제공의사결정을 지원하는 회계정보 시스템의 도입에 관련한 영향 요인과 경영 성과에 관하여 연구하였으며, 실증 분석 결과는 다음과 같다. 첫째, 조직구조 특성 요인 중 조직의 분권화 정도와 정보기술 특성요인 중 정보기술 기반구조는 재무 적/비 재무적 성과에 영향을 미치지 않았다. 둘째, 회계정보 특성은 부분적으로 재무적 성과에 영향을 미치지 않았으며, 셋째, 조직의 규모는 부분적으로 재무적 성과에 조절적인 역할을 하지 않는 것으로 나타났다. 넷째, 본 연구에서 사용한 일부 연구 변수들은 재무적 성과에는 중요한 영향요인으로 분석되지 않았으나, 비 재무적 성과에는 대부분 영향을 미치고 있어 향후 회계정보 시스템의 도입 시 전략적으로 고려해 볼 수 있는 도입 요인임을 알 수 있었다.

• 경영과정보연구
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• 제6권
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• pp.137-162
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• 2001

Our business conglomerates are sharing their fates economically because of mutual debt warranty among their own affiliates and excessive financial loans. For this reason, it is inevitably restrictive to obtain the whole information on such conglomerates by individual and consolidated financial statements. To solve this problem, the system of combined financial statement was introduced through modifications of the Act of the outside audit of corporations in 1988. As a result, 15 out of this nation's 30 major business conglomerates prepared and submitted their own combined financial statements. In this paper, all financial statements are grouped into financial and non-financial parts, based on characteristics of business control and combined financial statement. Then the business size, financial rate and internal transactions for each of the conglomerates are analyzed, based on which problems of the combined financial statement as announced publicly are clarified. For the system, this study suggests improvement points such as a sufficient publication of any possible situations and interest coordination caused between the date of business settlement and that of preparing combined financial statements by applying principles of sharing to the evaluation of valuable instrument papers for investment and by determining the amount, 5% accounting for the total amount of debt warranty, foreign exchange assets and debts.