• 지식경영연구
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• 제25권2호
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• pp.155-176
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• 2024

본 연구는 의료 및 금융 서비스 영역에 대해 인간과 AI 에이전트에 대한 소비자의 선호도가 어떻게 달라지는지 확인하고자 하였다. 연구 1은 각 서비스 영역에서 인간과 AI 에이전트 중 소비자가 선호하는 정도에 차이가 있는지 확인하였으며, 그 결과, 의료 서비스에 대해서는 AI 에이전트보다 인간 에이전트가 더 선호되고, 금융 서비스에서는 이와 반대로, 인간 에이전트가 보다 AI 에이전트가 더 선호되는 결과가 나타났다. 연구 2는 의료 및 금융 서비스 영역에 대한 인간-AI 에이전트 선호도가 달라지는 이유를 각 서비스 영역별로 소비자가 지각하는 특정 능력(예: 지각된 공감 능력, 경험치, 주체성)의 중요성의 차이로 설명할 수 있는지 확인하고자 하였다. 그 결과, 서비스 영역에 따른 인간-AI 에이전트 선호도 경향이 소비자가 지각하는 공감 능력의 중요성에 의해 매개된다는 것을 확인하였다. 또한, 지각된 공감 능력이 다른 능력들(경험치, 주체성)에 비해, 두 서비스 영역 간 인간-AI 에이전트 선호를 결정하는 데 더 중요한 역할을 하는 것을 확인하였다. 본 연구는 의료 및 금융 서비스 영역에 대해서 인간과 AI 에이전트에 대한 소비자의 선호도 차이와 그 이유를 확인한 연구라는 점에서 의의가 있다. 이는 인간과 AI 에이전트 선호도에 영향을 미치는 잠재적으로 중요한 요인들에 대한 이론적 이해를 확장하고, 서비스 영역에 따라, 지각된 공감 능력과 같이 인간의 경험적 역량이 인간과 AI 에이전트 선호도를 결정하는데 중요한 역할을 할 수 있다는 점을 강조한다.

• 보건행정학회지
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• 제31권1호
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• pp.17-23
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• 2021

With the introduction of national health insurance, the burden of health care costs decreased and choices of medical services widened. However, because of the rapid expansion of non-covered medical services by health insurance, financial security for health care expenditure is still low. This gives patients barriers to choose medical services especially for non-covered medical services, and it becomes narrower. Compared to Korea, Japan has high financial protection in health care utilization, but there exists a limitation using covered and non-covered medical services both together. This is called a prohibition of mixed treatment in health care. This study reviews the Japanese health care system that limits choosing medical services and the burden of health care costs. The prohibition of mixed treatment can alleviate the out-of-pocket burden in the non-benefit sector, but it can be found that it has a huge limitation in that it places restrictions on choices for both healthcare professionals and patients.

• 한국전자거래학회지
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• 제22권4호
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• pp.39-51
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• 2017

2016년 10월 금융당국은 금융권 내 클라우드 도입 활성화를 위해 전자금융감독규정의 망분리 조항을 개정하였다. 하지만 비중요 정보처리시스템의 데이터만 처리할 수 있도록 규제함으로써 정밀한 고객데이터 분석과 개인화 서비스를 제공하는 금융권에서는 이번 개정에 큰 변화를 느끼지 못하고 있다. 클라우드 서비스의 도입은 비용절감 및 업무혁신에 기여하는 바가 크며, 변화하는 정보통신기술 환경에 필수적인 요건이다. 따라서 보안과 신뢰성의 원칙을 고수하며 클라우드 도입에 유연하게 대처하기 위해서는 클라우드 서비스를 도입한 금융기관의 안정적 구현을 위한 정책에 대한 논의가 필요하다. 본 연구는 금융권 내 클라우드 도입 관련 제도의 한계와 변경 필요성을 검토하고, 영미의 사례분석을 통해 정책적 대안을 제시한다.

• 한국정보시스템학회지:정보시스템연구
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• 제20권4호
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• pp.103-117
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• 2011

The rapid pace of adoption of mobile handsets has created new mobile financial services. The success of mobile financial information systems will depend on consumer self-efficacy and a sound business model. Self-efficacy has been described as the belief that one is capable of performing in a certain manner to attain certain goals. This is directly related to consumer behavior, but it also affects consumer behaviors indirectly through its impact on goals. And self-efficacy influences the challenges that people take on as well as how high they set their goals. The objective of the study to investigates the effect of self-efficacy on mobile financial information systems. In order to do that, self-efficacy, mobile financial information systems reliability, mobile financial information systems use intensity are conceptualized by survey questionnaire. Our empirical analysis based on 462 survey data shows that self-efficacy effects on mobile financial information systems quality. In addition we also found that self-efficacy effects on mobile financial systems reliability and usage intention. And we found that mobile financial information systems reliability effects on mobile financial systems use intention. And we also found that mobile financial information systems usage intention effects mobile financial systems quality.

• The Journal of Asian Finance, Economics and Business
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• 제7권12호
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• pp.1005-1015
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• 2020

This paper aims to propose a Comprehensive Decision Support Model to evaluate retail companies' financial performance traded on the Vietnam Stock Exchange Market. The financial performance has been examined in terms of the valuations ratios, profitability ratios, growth rates, liquidity ratios, efficiency ratios, and leverage ratios. The data of twelve companies from the first quarter to the fourth quarter of 2019 and the first quarter of 2020 were employed. The weights of 18 chosen financial ratios are calculated by using the Standard Deviation method (SD). Grey Relational Analysis technique was applied to obtain the final ranking of each company in each quarter. The results showed that leverage ratios have the most significant impact on the retail companies' financial performance and gives some long-term investment recommendations for stakeholders and indicated that the Taseco Air Services Joint Stock Company (AST), Mobile World Investment Corporation (MWG), and Cam Ranh International Airport Services Joint Stock Company (CIA) are three of the top efficient companies. The three of the worst companies are Viglacera Corporation (VGC), Saigon General Service Corporation (SVC), and HocMon Trade Joint Stock Company (HTC). Furthermore, this study suggests that the GRA model could be implemented effectively to ranking companies of other industries in the future research.

• 한국IT서비스학회지
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• 제15권4호
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• pp.1-24
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• 2016

With the innovation of information technology, non-face-to-face robo advisor with high accessibility and convenience is spreading. The current robot advisor recommends appropriate investment products after understanding the investment propensity based on the structured data entered directly or indirectly by individuals. However, it is an inconvenient and obtrusive way for financial consumers to inquire or input their own subjective propensity to invest. Hence, this study proposes a way to deduce the propensity to invest in unstructured data that customers voluntarily exposed during consultation or online. Since prediction performance based on unstructured document differs according to the characteristics of text, in this study, classification algorithm optimized for the characteristic of text left by financial consumers is selected by performing prediction performance evaluation of various learning discrimination algorithms and proposed an intelligent method that automatically recommends investment products. User tests were given to MBA students. After showing the recommended investment and list of investment products, satisfaction was asked. Financial consumers' satisfaction was measured by dividing them into investment propensity and recommendation goods. The results suggest that the users high satisfaction with investment products recommended by the method proposed in this paper. The results showed that it can be applies to non-face-to-face robo advisor.

• 한국IT서비스학회지
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• 제18권4호
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• pp.83-95
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• 2019

It is becoming more and more difficult to cope with new knowledge and technology required by society by the efforts of one person or organization according to the development of science and technology. As a method to overcome this, collaborative research is becoming important. This tendency is increasing in the government R&D projects as well, and the 'A' test research institute, which is the subject of this paper, is also increasing a collaborative research. The purpose of this study is to analyze the network characteristics among the participating researchers in the government R&D project conducted by the institution A, and to ascertain how the network characters of the researchers actually affect the financial performance of the team. The results of the analysis show that 'closeness centrality' and 'degree of centrality' contribute positively to the financial performance of the team. On the other hand, 'betweenness centrality' and 'eigenvector centrality' have a negative effect on the financial performance of the team because they are not directly related to financial performance.

• 통상정보연구
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• 제10권1호
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• pp.315-327
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• 2008

According to the Bank Profitabilities Statistics of OECD members, Our domestic banks applying commissions for both exchange and selling/buying foreign currencies are evaluated as much higher than those of other countries banks. The theory indicates an analysis results and comparison in between banks over the world. Our domestic bank assert that, in general, the aggregated banking commission income is lower than those of other countries by comparing in the field of non-interests profits. Viewing by another analysis in details, some commission rate applying to domestic services are far below than cost basis, but other commission rate applying to foreign currency transaction services is abnormally higher. Such unfair rate should be lowered to the similar level to other banks in the world and also the actual cost should be reasonably reevaluated in the reasonable manner. One more thing, The writer suggest that domestic banks should spend efforts to increase their income by improving and diversifying with the various type of new commissions applied to domestic market, such as multi-functional financial services, expanding ATM services, electronic settling technique etc under today's rapidly changing and opening world financial market.

• Journal of Information Technology Applications and Management
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• 제27권5호
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• pp.1-22
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• 2020

Due to the low usage level of traditional financial services in many developing countries, Fintech services that often substitute for such traditional services with greater convenience have great potential in these markets. However, there have thus far been relatively few attempts to examine Fintech adoption in developing countries. As financial services are a highly sensitive industry in terms of government regulation and consumer trust, it is critical for policymakers to understand how to foster a healthy Fintech marketplace in developing country environments. In this paper, we review the scholarly literature on Fintech adoption with respect to three stakeholder groups: customers, service providers, and policymakers. Adding with practitioner-oriented documentation relating to Fintech adoption in Vietnam, we derive propositions for Fintech adoption research in Vietnam and similar developing countries. We collect these propositions as a framework that suggests avenues for future research.

• Asia pacific journal of information systems
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• 제33권4호
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• pp.1093-1117
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• 2023

The study aims to determine the impact of quality outcomes on behavior intentions in Financial Technology (FinTech) payment services. The study is focused on the development and testing of the impact of the SERVQUAL model on the TAM, i.e., Technology Acceptance Model for the measurement of the behavioral intention of users to use fintech payment services. The sample entails 578 specific survey responses from northern India from October to December 2022. The respondents were users of FinTech. The PLS-SEM technique was employed to explain the implementation process. Consequently, it discovered a significant relationship between the SERVQUAL models and the impact on behavioral intentions identified by TAM. The study will provide insight into the factors that impact the quality outcomes and adoption of Fintech payment services to the providers. The paper demystifies FinTech payment services in the range of perception of service quality outcomes and provides essential theories. The TAM model reflects the customer's sense of satisfaction, usefulness, and attitude. In contrast, the SERVQUAL model demonstrates the user's assessment of service quality outcomes such as quality, trust, security, and service quality positively affects behavioral intention in FinTech payment services.