• Title/Summary/Keyword: Financial services

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Identifying Travel Satisfaction in Mega Commuting Trip Using Rasch Modelling (Rasch 모형을 적용한 광역교통서비스의 서비스 수준 평가 분석)

  • On, Seojun;Kim, Suji;Jang, Kitae;Kim, Junghwa
    • KSCE Journal of Civil and Environmental Engineering Research
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    • v.43 no.5
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    • pp.639-650
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    • 2023
  • Economic development has resulted in the concentration of population and industry in the metropolitan area. Additionally, the Republic of Korea is experiencing this phenomenon, with more than half of the population living in the Seoul capital area. To alleviate this concentration of population, the Korean government implemented the new town development policy. Unfortunately, this has led to an increase in the commuting population, causing an imbalance in transportation services due to financial and policy differences in each region. This paper analyzes the level of user satisfaction with mega commuting in three aspects: mobility, accessibility, and connectivity. To objectively assess the level of user satisfaction, which is qualitative data, the Rasch Model is used to analyze the collinearity of user data. The results indicate that the level of user satisfaction differs by region, and service satisfaction with mobility is lower than that with accessibility and connectivity. Therefore, prior to the introduction of new town policies, it is necessary to develop metropolitan transportation infrastructure.

A Case Study on the Online Fractional Investment Securitization Platform (온라인 분할 투자 증권화 플랫폼 사례 연구)

  • Tae Hyup ROH
    • The Journal of the Convergence on Culture Technology
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    • v.9 no.1
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    • pp.747-754
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    • 2023
  • With the development of information and communication technology, online fractional investment platforms have emerged through the convergence of online platform technology and new investment techniques for asset-backed derivatives. In this study, the concept and previous studies of the online fractional investment platform business, commercialization models and service processes, market status, and pending discussions and alternatives were presented. Recently, the Securities and Futures Commission's decision on securitization of split ownership has become an important guide to the stable business sustainability of platform operators, but academic research is needed according to the current status and case analysis. To identify specific market issues, examples of representative online fractional investment securitization platform businesses such as "MusiCow" for music copyright, "Tessa" based on art, "Kasa" for real estate, "Piece" based on real assets, and "BangCow" for Korean beef shipments were analyzed. Through the case analysis of this study, the characteristics of the business model according to the basic assets of the online fractional investment platform were compared and presented. Since most business models are judged to be securitic, they must comply with the provisions of the Capital Markets Act or be recognized as the target of innovative financial services. From a practical point of view, it is meaningful in that it presented improvement directions that online fractional securitization platform operators should consider and organized institutional considerations for investor protection.

A Study on Strategic Approaches Plans for Industrial Revitalization and Overseas Export of Smart City Technology (스마트도시 기술의 산업 활성화와 해외수출을 위한 전략적 접근 방안에 관한 연구)

  • Kim, Dae Ill;Kim, Jeong Hyeon;Yeom, Chun Ho
    • Smart Media Journal
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    • v.11 no.1
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    • pp.67-80
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    • 2022
  • Smart City Technology, which is significant in the era of the 4th industrial revolution, greatly increases the efficiency and productivity of cities nowadays. The purpose of this study is to present a strategic approach for industrial revitalization and overseas export by analyzing the current status of smart city-related companies and discovering high-priority smart city technologies. To this end, the smart city theory and ASEAN smart city were reviewed through prior research, and a survey of companies with domestic smart city technology was conducted. As a result of the survey, it is revealed that companies with smart city technology in Korea are highly willing to export to ASEAN countries. There is a strong desire to export the following technologies: construction, traffic, green·energy, etc. And there was a high willingness to export the following services: IoT, platform, AI, etc. The following solutions have been proposed as solutions to Strategic Plans to Promote the Export: 1) Deregulation and incentives, 2) Global human resource development, 3) Information provision and strengthening of local networks, 4) Financial and public relations support.

Factors Affecting Consumers' Acceptance of e-Commerce Consumer Credit Service: Multiple Group Path Analysis by Naver Shopping and Coupang (이커머스 후불결제(BNPL) 수용에 영향을 미치는 요인: 네이버쇼핑과 쿠팡 간 다중집단 비교)

  • Kim, Su Jin;Mo, Jeonghoon
    • The Journal of Society for e-Business Studies
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    • v.27 no.2
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    • pp.105-135
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    • 2022
  • As COVID-19 has led to a surge in e-commerce Buy Now Pay Later(BNPL) has become preferred choice among millennials. In Korea Coupang followed by Naver Pay offers a deferred payment, aiming to create customer lock-in effect, save credit card processing fee and lay the groundwork for entering into new financial services. However the literature related to the influential factors of customers' usage intention toward a deferred payment is scarce. For the study, a multi-group analysis was carried out to find differences between Naver shopping and Coupang. The results revealed that the important factors that affect a deferred payment adoption were compatibility, impulsive buying tendency in Naver shopping, whereas compatibility, relative advantage, additional value in Coupang(listed in order of most important). In addition, impulsive buying tendency had a positive effect on adoption intention in Naver shopping and on perceived risk in Coupang. The results imply that Naver shopping need to focus on managing delinquency while Coupang should provide sufficient information on how late fees and credit rating downgrade work and try not to make a deferred payment option stand out. In order to increase adoption rate it is recommendable to narrow down target segment of a deferred payment and expand it to a specialized vertical such as travel.

A Study on the Adaptation to Korean College life of Uzbekistan Students' (재한 우즈베키스탄 유학생들의 한국 대학생활 적응에 관한 연구)

  • Firuza, Azizova
    • Asia-pacific Journal of Multimedia Services Convergent with Art, Humanities, and Sociology
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    • v.8 no.4
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    • pp.517-531
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    • 2018
  • This study was carried out for the purpose of investigating Uzbekistan students's adaptation to Korea college life. Qualitative interviews were conducted in regards to the motivation for college entrance and stresses incurred during college life for 10 Uzbekistan students who were studying at I college located in Incheon. Data from the interviews were analyzed using theme analysis method. Most of the participants in this study got information about Korean colleges through their overseas study exhibitions in their own countries and became Korea college. The results showed that the reasons for college enrollment were (1)preparation for future goals (2)the influence of family. In Uzbekistan, parents play a big role in determining their children's education. Therefore, their decision to study abroad and the role of their parents were significant. The stress they experienced in college life fell into five categories, namely, (1)financial stress (2)stress about studies (3) stress in regards to human relationships (4)stress in regards to their futures and getting a job. In addition, this study discussed how to solve such as problems experienced by Uzbekistan students. And also the role of college and the necessity of providing appropriate support programs were discussed. Finally, the implications of these findings were presented.

Regional Cultural Resources & Content development Process (지역문화자원과 콘텐츠개발)

  • Park, Se-hee;Lee, Seung-gwon
    • Asia-pacific Journal of Multimedia Services Convergent with Art, Humanities, and Sociology
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    • v.6 no.9
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    • pp.221-234
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    • 2016
  • In order to revitalize the regional economy and culture, understanding what cultural resources are about is of prime importance. When considering cultural resources, one ought to appreciate that developing content industries can contribute to the development of the regional economy and the sustainability of the country. Recently, vast amounts of aid and financial resources have been earmarked for the development of the national cultural industries. Each region of our country has enhanced its autonomy in terms of decision-making, thus increasing the resort to cultural and natural resources. However, when industrializing and excavating hidden cultural resources, vitality should be breathed into regional and national economies. Moreover, as an issue of national importance, this could held resolving pressing matters such as the creation of added-value jobs, the merger of industries, basic architecture, societal problems and the revitalization of rural communities, to name but a few. Therefore, so as to develop regions through the revitalization of regional economies and the improvement of infrastructures, it is necessary to encourage cultural industries and the excavation of cultural resources. The present research suggests to upgrade the values of regional and cultural resources so as to revitalize cultural regional resources through concrete policies. This basically implies carrying out a program which aims at diffusing cultural values by resorting to cultural resources as tools of revitalization. Finally, the importance of cultural resources must be reflected in a diversified spectrum of policies aimed at bringing values out of cultural resources. Yet, thorough researches on proposals for a better use of regional resources are still much needed.

The relationship between payment of policy on children disabilities(cash, voucher) and satisfaction of parents (장애아동급여정책(현금, 바우처)과 부모만족도와의 관계)

  • Lee, Young-Kwang;Ji, Eun-Gu
    • Asia-pacific Journal of Multimedia Services Convergent with Art, Humanities, and Sociology
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    • v.6 no.2
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    • pp.169-178
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    • 2016
  • The number of people with disabilities is increasing recently in Korea, in particular the proportion of children with disabilities is approximately above 5%. While there are many studies focusing on satisfaction of payment policy due to increased concern about children with disabilities, the studies on comparison and the effect factor of user satisfaction depending on the cash and voucher are not sufficient. Based on the need to recognize and research this issue, the ultimate goal of this study is to lead to implications for the payment policy by investigating user satisfaction depending on the type of payment of policy on children with disabilities. The result that analyzes the effect of general characteristics on user satisfaction shows that in case of in-cash, children and the degree of disability affect user satisfaction. In the case of voucher, the gender of parents, the degree of disability and the average income affect it. The implication of this study suggests practical implication and policy implication. Implications of the study is that provide a customized service considering general characteristics. Second, It needs to extend the range of amount of payment of in-cash. Third, extend and pay the amount of in-cash, and the service of voucher. Fourth, provide low-income group(including public aid recipients and near poverty group) with voucher to ease financial burden.

A Case Study on the Development of Research Management System focused on applying the detailed RFP (연구관리시스템의 개발 사례연구 - 상세 RFP 적용을 중심으로)

  • Hong, Jihoon;Hwang, HyoJeong;Kim, Dae Ho
    • Asia-pacific Journal of Multimedia Services Convergent with Art, Humanities, and Sociology
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    • v.6 no.12
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    • pp.513-522
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    • 2016
  • The importance of the national reseach and development project has been increased since the global financial crisis for overcoming the world economic recession and responding the threatens of the global competitiveness. As the budgets are increased and the size of the tasks is enormous, the government often requests high-level audits and data for the transparent management of research expenses. As a result, the researchers who have to concentrate on the original research work spend much time in administrative processing, government audit, and responding to the demand data than the time to concentrate on the research work. It is absolutely necessary to have a system that can integrally manage R & D projects from a company-wide point of view in order for researchers to work efficiently and concentrate on the original research. Korean government has increased the investment for the national R&D, and therefore the size of R&D projects has become more larger. Therefore, this study attempts to present a standardized management process and system establishment direction for the efficient management of research and development project and to study the success factor of system establishment for the successful execution of project and the project management plan by the case study.

A Study on Risks in China's Foreign Invested Water BOT Projects (중국 외국인투자 수처리 BOT 사업 리스크 연구)

  • Lee, Seungho;Choi, Jae-Ho
    • KSCE Journal of Civil and Environmental Engineering Research
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    • v.30 no.3D
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    • pp.295-302
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    • 2010
  • Since the late 1990s, the BOT mode in China has been extensively used in the water sector in order to attract private investment, improve technical and operational efficiency, and expand the coverage of water services. The BOT mode has been hailed as this provides a win-win structure between the government and private players through formalized procedures and an optimal risk allocation. However, recent market analyses show that some foreign investors are reluctant to participate in the market or even retreat due to uncertainties and risks in the market. This study aims to explore various risks in the Chinese water BOT market based on the thorough literature review, fieldwork, and the case studies on the two wholly foreign-owned BOT water projects: the Chengdu No. 6 and the Shanghai Dachang Water Supply BOT projects. The research results indicate that the Chinese BOT market embraces high risks in political, institutional and legal, and financial systems. The key to a successful takeoff of the BOT mode in the Chinese water market depends on the extent to which the government will be able to remove risky factors in political, institutional and legal, and financing systems. This research outcome will provide a useful reference to the Korean construction companies which consider expanding business to overseas water markets in the form of public private partnership.

Design Blockchain as a Service and Smart Contract with Secure Top-k Search that Improved Accuracy (정확도가 향상된 안전한 Top-k 검색 기반 서비스형 블록체인과 스마트 컨트랙트 설계)

  • Hobin Jang;Ji Young Chun;Ik Rae Jeong;Geontae Noh
    • Journal of Internet Computing and Services
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    • v.24 no.5
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    • pp.85-96
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    • 2023
  • With advance of cloud computing technology, Blockchain as a Service of Cloud Service Provider has been utilized in various areas such as e-Commerce and financial companies to manage customer history and distribution history. However, if users' search history, purchase history, etc. are to be utilized in a BaaS in areas such as recommendation algorithms and search engine development, the users' search queries will be exposed to the company operating the BaaS, and privacy issues will be occured. Z. Guan et al. ensure the unlinkability between users' search query and search result using searchable encryption, and based on the inner product similarity, they select Top-k results that are highly relevant to the users' search query. However, there is a problem that the Top-k results selection may be not possible due to ties of inner product similarity, and BaaS over cloud is not considered. Therefore, this paper solve the problem of Z. Guan et al. using cosine similarity, so we improve accuracy of search result. And based on this, we design a BaaS with secure Top-k search that improved accuracy. Furthermore, we design a smart contracts that preserve privacy of users' search and obtain Top-k search results that are highly relevant to the users' search.