• 간호행정학회지
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• 제19권1호
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• pp.7-16
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• 2013

Purpose: The purpose of this study was to analysis the financial statements of university hospitals and to apply the results to build nursing management strategies. Methods: Data on the financial statements of university hospitals were collected each hospital's homepage or internet search from February to June, 2010. Financial statements of 11 hospitals were analyzed using the 4 categories of financial ratio analysis method: liquidity, performant, growth and turnover. Results: Overall results showed that the financial status the university hospitals were unstable, and many financial indicators did not meet financial standard ratios. Only 8 financial indicators of total 19 indicators satisfied financial standard ratios. Conclusion: The results of financial statements analysis suggest that nurse managers should develop the blue ocean strategy for diversification of nursing services to improve financial ratios of liquidity, performance, and growth. Using a unit-based just-in-time system for effective supply management would help to increase profits and to decrease costs of hospital by improving financial ratios of turnover.

• The Journal of Asian Finance, Economics and Business
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• 제7권11호
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• pp.205-218
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• 2020

This study aims to analyze the influence of financial inclusion on micro-, small-, and medium-sized enterprises' (MSMEs) performance and examine the mediation role of financial intermediation and access to capital. The object of this study is MSMEs in Malang, Indonesia. The sample consists of 100 MSME actors in Malang City, which is determined using Roscoes theory. The data is collected using Simple Random Sampling method, by distributing questionnaire measured with Likert scales. The hypotheses proposed in this study are examined using Partial Least Square (PLS) model. The results of this study show that financial inclusion influences MSMEs' performance both directly and indirectly through mediation from financial intermediation and access to capital. The direct influence means that the efforts to increase access to financial services, especially access to credit financing for MSMEs, will be able to increase market share, number of workers, sales, as well as profit of the MSMEs. Increased financial inclusion has a major impact on improving MSMEs' performance through financial intermediation compared to access to capital. This means that the increase of financial access for MSMEs followed by an increase in financial intermediation in the form of a financial service approach to MSMEs will improve MSMEs' performance.

• 정보보호학회논문지
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• 제28권3호
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• pp.729-741
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• 2018

2015년 6월 24일 금융위원회에서는 보안성심의를 전면 폐지하고, 자체 보안성심의로 보안 수준 점검 의무를 갈음한다고 하였다. 금융기관의 보안담당자는 안전한 전자금융거래를 위해 보안성 검토를 할 경우에 CIA 보안등급을 기반으로 보안성심의를 수행하고 있다. 그러나 최근 인터넷,모바일 전자금융거래의 보안성 검토는 좀 더 깊이가 필요한 경우, 별도의 프로세스를 점검하거나 신기술, 보안 관련 자료를 참고하여 보안성심의를 수행하고 있다. 본 논문은 CIA 기반의 보안등급에 인증과 개인정보보호 지표를 추가한 CIAAP 보안등급을 제안하며 특히, 전자금융거래의 보안성 검토를 진행할 때 본 CIAAP 보안등급을 참고하여 개인정보보호 영역의 검토가 누락되지 않고, 강화된 인증 관련 지표의 추가를 통한 보안성 검토가 필요함을 제안한다.

• 디지털융복합연구
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• 제20권2호
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• pp.91-105
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• 2022

인터넷 전문은행 관련 선행연구들은 법안, 규제 그리고 도입 기대효과 등의 연구들이 대부분이며, 금융 소비자의 금융 서비스 전환 의도에 관한 연구는 미비한 상태이다. 본 연구의 목적은 금융소비자들이 시중은행에서 인터넷 전문은행으로 서비스 전환 의도에 대해 영향을 미치는 요인을 알아보고자 PPM(Push-Pull-Mooring)이론을 적용하였다. 실제 서비스 이용자들을 대상으로 설문조사를 하였고, Smart PLS 3.0을 사용하여 1차 요인분석과 2차 요인분석을 하였다. 연구 결과 풀요인, 푸시요인 그리고 무어링요인은 전환 의도에 긍정적인 영향을 미쳤으며, 조절변수인 무어링요인은 푸시요인과 풀요인의 전환 의도에 조절효과가 나타나지 않았다. 서비스 전환 연구에 활용되던 PPM이론의 활용 범위를 핀테크 서비스로 확장 하였고, 인터넷 전문은행의 전략과 확산 등 여러 가지 실무적인 유용한 시사점을 제공 할 수 있으며, 소비자 태도를 연구하는 다양한 연구에서 활용할 수 있을 것이다.

• 품질경영학회지
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• 제50권1호
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• pp.43-61
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• 2022

Purpose: The purpose of this study was verifying factors that affect to intention to use AI financial services and finding a way of building an user oriented AI ecology. Methods: This study used the UTAUT (Unified Theory of Acceptance and Use of Technology) model with independent variables such as performance expectancy, effort expectancy, social influence, facilitating conditions, trust, personal innovativeness and AI understanding as moderating variable. The data was collected through online & offline survey with questionnaire from 330 financial customers. Results: As a result, the analysis suggested that the performance expectancy, social influence, facilitating conditions, personal innovativeness are statistically significant to the intention to use AI. It was also found that AI knowledge of users differently influence the intention to use through the moderating effect on the facilitating conditions. Conclusion: Performance expectancy, social influence, facilitating conditions, personal innovativeness have positive causation to the intention to use in AI financial service. On the facilitating conditions, unlike other variables, it was found that the user's intention to use was different by the level of AI understanding. It means that customers could have the strong intention to use AI even though they don't have enough pieces of knowledge on the factors. Customers seem to be of recognition that the technology has certain benefits for themselves. The facilitating factors are significantly affected by AI understanding and differently effect on the intention to use AI.

• 한국정보시스템학회지:정보시스템연구
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• 제26권3호
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• pp.313-337
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• 2017

Purpose Financial technology, also known as FinTech, is conceptually defined as a new type of financial service which is combined with information technology and other traditional financial services like payments, investments, financing, insurance, asset management and so on. Most of the studies on FinTech services have been conducted from the viewpoint of technical issues or legal and institutional studies, and few studies are conducted from the health belief perspectives and security behavior approaches. In this regard, this study suggest an extended information protection behavior model. Design/Methodology/Approach The Health Belief Model (HBM), the Protection Motivation Theory (PMT), and the Technology Threat Avoidance Theory (TTAT) were employed to identify constructs relevant to information protection behavior of FinTech services. A new extended information protection behavior model in which the influence factors of information protection behavior (i.e., perceived susceptibility, perceived severity, perceived benefits, perceived barriers, perceived self-efficacy, subjective norms) affect perceived threats and perceived responsiveness positively, leading to information protection behavior of FinTech users eventually. This study developed an extended information protection behavior model to explain the protection behavior intention in FinTech users and collected 272 survey responses from the mobile users who had experiences with such mobile payments and FinTech services. Findings The finding of this study suggests that the influence factors of information protection behavior affect perceived threats and perceived responsiveness positively, and information protection behavior of FinTech users as well.

• KSII Transactions on Internet and Information Systems (TIIS)
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• 제14권3호
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• pp.1280-1300
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• 2020

In the modern financial sector, interest in providing financial services that employ blockchain technology has increased. Blockchain technology is efficient and can operate without a trusted party to store all transaction information; additionally, it provides transparency and prevents the tampering of transaction information. However, new security threats can occur because blockchain technology shares all the transaction information. Furthermore, studies have reported that the private keys of users who use the same signature value two or more times can be recovered. Because private keys of blockchain identify users, private key leaks can result in attackers stealing the ownership rights to users' property. Therefore, as more financial services use blockchain technology, actions to counteract the threat of private key recovery must be continually investigated. Private key recovery studies are presented here. Based on these studies, duplicated signatures generated by blockchain users are defined. Additionally, scenarios that generate and use duplicated signatures are applied in an actual bitcoin environment to demonstrate that actual bitcoin users' private keys can be recovered.

• 한국정보시스템학회지:정보시스템연구
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• 제13권2호
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• pp.89-117
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• 2004

Mobile technologies and services have become one of the inevitable parts of people's lives and mobile businesses have also been widespread. Popular mobile internet services through cell phones have made people in the financial industry consider that 'mobile' is promising. Nevertheless, there have been little studies of mobile services in the financial industry and most of the studies have been concentrated on internet services. The main purpose of this study is to investigate on the determinants of intention to use mobile banking. To achieve the goal, based on the theoretical backgrounds of the Technology Acceptance Model(TAM). Survey questionnaires were distributed via post & email to 500 users who have been experiences with cell phone and have an account. Out of 291 responded questionnaires, 275 data sets were available for statistical analysis with SPSS 10.1. Research hypotheses are analyzed by LISREL 8.30. Factor analysis identified seven external factors : (1) convenience, (2) cost, (3) unusefulness, (4) riskiness, (5) personal innovativeness (6) users' self-efficacy (7) experience of mobile services. Results of this study show that convenience, unusefulness, riskiness, personal innovativeness and experience of mobile services have significant effects on intention to use mobile banking . Much of the previous researches have dealt with service provider only and have focused on mobile internet. In this regard, when it comes to a viewpoint that regards the mobile banking sector as a new sector of mobile businesses. This study may provide a guideline to activate of mobile banking acceptance.

• International Journal of Computer Science & Network Security
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• 제22권10호
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• pp.389-399
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• 2022

This study aims to investigate and analyze the impact of the COVID-19 pandemic on the adopt electronic services in education sector in Jordan, where the COVID-19 pandemic has left huge threats in terms of health and led to a significant decrease in economic output and a rise in unemployment. This study also aims to know the steps taken by the Jordanian governments and higher education ministry and universities to overcome this crisis and mitigate the economic and financial impacts that would enhance the resilience of the education sector. To achieve the goal of the study, both methods of deductive and inductive analysis were used, which helped us to systematically consider the economic and other consequences of the COVID-19 pandemic, such as statistical analyses and other tools that helped us in this study. The results of this study, showed that the COVID-19 pandemic led to a significant increase in adopt electronic services in education sector in Jordan, and decline in economic growth, a significant rise in unemployment, an increase in market instability, and a decrease in the financial position of companies. The recommendations concluded that Jordan should begin to change its policies according to the new data, and take Measures to advance the education sector by relay on electronic services and directing investment in education sector through saving policies and infrastructure equipment in parallel with the population boom in Jordan.

• 벤처혁신연구
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• 제6권3호
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• pp.221-240
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• 2023

초고령사회를 목전에 둔 한국사회 시니어층은 길어진 수명과 행복한 노후를 위해 든든한 자산관리가 중요해지고 있다. 이러한 시점에서 본 연구는 시니어의 금융 기관 자산관리(wealth management) 서비스 이용 만족도에 영향을 미치는 요인에 대해 실증 분석을 하였다. 독립변수로는 상품의 다양성, 수익성, 안정성, 종업원의 전문성, 문제 해결 능력, 고객 지향성과 더불어 물리적 환경, 프로세스, 상속 서비스, 신탁 서비스를 설정하였다. 이를 위해 본 연구에서는 설정된 연구 모형을 토대로 가설 검정을 하기 위해 실증적 분석을 실시했다. 설문조사는 금융기관의 자산관리 서비스를 이용하고 있는 시니어를 대상으로 하였으며 최종적으로 250개를 통계분석에 활용하였다. 이를 토대로 위계적 회귀분석 방법으로 실증 분석을 하였다. 실증 분석 결과는 다음과 같다. 상품 안정성과 수익성, 종업원의 문제 해결 능력과 고객 지향성, 프로세스, 상속 서비스 및 신탁 서비스는 시니어의 금융기관 자산관리 서비스 이용만족도에 유의한 정(+)의 영향을 주는 것으로 나타났다. 하지만 상품 다양성 및 종업원의 전문성, 물리적 환경과 이용 만족도 간에는 유의한 영향 관계가 검정되지 않았다. 유의한 영향을 미치는 요소 중에서 영향력의 크기는 종업원의 고객지향성, 문제해결능력, 신탁서비스, 상품 안정성, 상속 서비스, 상품 수익성, 프로세스 순으로 나타났다. 이러한 연구 결과를 바탕으로 학술적 및 실무적 시사점을 제시하였다.