• Journal of Information Technology Services
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• v.22 no.4
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• pp.81-95
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• 2023

The emergence of Security Token has revolutionized the way assets are traded, bringing efficiency, transparency, and accessibility to the market. However, the Real Estate Security Token market faces challenges, particularly in terms of liquidity. The CMTO(Collateralized Mortgage Token Obligation) model addresses this issue by introducing a novel approach that combines the benefits of NFT(Non-Fungible Token), STO(Security Token Offering), and CMO(Collateralized Mortgage Obligation) techniques to enhance liquidity and promote investment in Real Estate Security Token. The CMTO framework functions by allowing DABS token investors to leverage their tokens as collateral for loans. These token-collateralized loans are pooled together and form the basis for issuing Sequential CMO named CMTO. The CMTO represent a diversified portfolio of token-collateralized loans, providing investors with options based on their financial goals and risk preferences. By implementing CMTO, the Real Estate Security Token market can overcome liquidity challenges, attract a broader range of investors, and unlock the full potential of digital assets in the real estate industry.

• Electronics and Telecommunications Trends
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• v.37 no.6
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• pp.11-22
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• 2022

The UK is a service superpower with solid and well-developed financial and insurance services, including FinTech. Much of the UK's service industry is digital and becoming increasingly so. Primary sources constituting the UK's comparative advantage in services could be factored in business conditions driving innovation in the digital age and world-leading digital competitiveness. Therefore, this study examined the UK's digital policies. This research's focal strands were the UK's digital strategy, national artificial intelligence strategy, and digital trade objectives. As an essential insight for policymakers and other stakeholders, this study proposes that government policies in response to the digital economy are inextricably linked, leading to a critical driver for the UK's digital competitiveness.

• Asia-Pacific Journal of Business Venturing and Entrepreneurship
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• v.11 no.2
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• pp.145-155
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• 2016

This article investigates the impact of business incubator's support service and manager's capabilities on the start-up economic performance. BI's support services consist of physical infra, management/legal service, networking service, financial service, technical service, and education/training service. The results show that most BI's support services(except education/training service) have a positive effect on the start-up economic performance. This study also analyzes the gap between the importance and the satisfaction of BI's services. The results show that the satisfaction of BI's services is much lower than the importance. It can be explained that the start-ups' expectations are not able to meet. In conclusion, BI's services have a major impact on the start-up economic performance, but actually they didn't meet the expectation of the start-ups. In the future, the quality level of BI's services and manager's capabilities needs to be improved. The improvement will have a positive effect on the survival and growth of the startups.

• Asia-Pacific Journal of Business Venturing and Entrepreneurship
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• v.11 no.4
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• pp.227-236
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• 2016

The competition among insurance companies has become increasingly intense driven by the recent changes in financial environment. In this study, we (i) categorize the quality of life insurance services into the core service, relational services, and additional services, (ii) assess the impact of each service on repurchase intension, and (iii) investigate if customer satisfaction has a mediating effect. The research subjects are 215 life insurance customers who were selected from an online survey respondent population. Based on the analysis we performed by utilizing the SPSS 18.0, we concluded that (i) maintaining service of the core services, internal relationship of service personnel and insurance salesmen of the relational service and additional services have a positive impact on repurchase intention and (ii) In the relationships between repurchase intentions, the customer satisfaction is fully mediated by maintaining service and insurance salesman and partially mediated by additional service. The results of this study can be meaningful for both industry and academia, because these results can be utilized as useful evidence in understanding selection behavior of life insurance customers and deriving various strategies in business environment.

• Journal of Korean Library and Information Science Society
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• v.40 no.1
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• pp.73-91
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• 2009

There has been almost studies focused on public library in the provision of the use and needs of library services for persons with disability. However, the number of disabled students are rising steadily in university library. So university libraries must make reasonable efforts to give disabled people the same access to information, programs and resources enjoyed by those who are not disabled. The study result showed that despite most university library already is recognized the necessity offering service for disabled, however, due to lack of understanding of services for disabled, legal standards rather than to have made only partial support to them. Therefore, librarians for the disabled in every sector(library-related organizations, groups, and association) have to play an important role in policies and financial support them. Also, active guidance and public relations about library services, improvement of accessibility for the disabled by using homepage, and the arrangement of librarians for the disabled and education for them should be supported for improving library services for the disabled student.

• Journal of Digital Convergence
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• v.3 no.2
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• pp.73-116
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• 2005

When people contact the government they can use a variety of channels. That is, they go in person to an office, use a telephone service, access information via the Internet, send a letter, or use a third party. Since the Australian Government first recognised the potential of online technology to improve service delivery in its 1997 Investing for Growth statement, it has articulated its policies and strategies for e-government in a number of papers. E-government involves government agencies delivering better programs and services online through the use of new information and communication technologies. The policy papers included Government Online-The Commonwealth's Strategy, launched in April 2000, and a new framework for e-government, Better Services. Better Government, launched in November 2002. Most recently, the Government released Australia's Strategic Framework for the Information Economy in July 2004. These papers outlined the broad directions and priorities for the future of e-government in Australia, and sought to maintain the momentum of agencies' actions under Government Online. One of its key objectives was for agencies to achieve greater efficiency in providing services and a return on their investments in ICT (Information and Communication Technology)-based service delivery. They also stated that investing in e-government should deliver tangible returns, whether they take the form of cost reductions, increased efficiency and productivity, or improved services to business and the broader community Implementation of the Government policy has led to considerable agency investment in ICT-based service delivery. However government policy also requires managers to ensure that program and service delivery is efficient and effective. Efficient and effective use of ICT has the potential to improve service delivery and to make financial savings. This paper outlines how people are using the channels to contact the government in Australia. It also examines the level of satisfaction they have with those services and their preferences and expectations. In addition, this paper aims at identifying the methods used by Australian Government to measure the efficiency and effectiveness of their delivery of services, and at assessing the adequacy of these methods.

• The Transactions of The Korean Institute of Electrical Engineers
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• v.58 no.2
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• pp.256-263
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• 2009

For the power system to keep in a stable operating state, sufficient ancillary services must be available to respond to credible contingency events and return the power system to a satisfactory operating state in the case of contingencies as well as blackout events within specified predefined limits. The logical and reasonable bases of valuing and pricing the ancillary services are required to reach the common ground among market participants. The total amount of black start service transactions is quite small compared to the total ancillary service transactions as well as energy market transactions. Black start services must be provided as one of the ancillary services in the deregulated electricity market. In order to procure and remunerate black start services, it is necessary to quantify the value of the black start sources within the power system. In this paper, an approach to assess the value of the black start service is presented based on the cost-of-service solution. Financial simulation of the influence on market participants for the proposed approach on the service is carried out. The cost of the black start service is allocated in accordance with the principle of "causer pays", and the cost is shared by the producers and consumers equally that created the requirement for the service. Under the present electricity market, the mechanism to recover the cost is not implemented, a new approach to the ancillary services to provide incentive for the service providers has to be studied in the near future.

• Human Ecology Research
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• v.51 no.3
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• pp.275-284
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• 2013

The purpose of this study is to provide useful insights into community-level support services for family caregivers in Korea by comparing them with the services in the United States. Similar to most developed countries, life expectancy has led to rapid population aging in Korea over the last several decades. However, despite increased social needs of long-term care for the elderly, many elderly Koreans are still dependent on their family for the long-term care. Yet, existing support programs for family caregivers are very limited. As a result, family caregivers often suffer from a lack of financial resources and emotional support. In this study, we comprehensively review the extensive literature, including relevant studies and documents of community-level support services for family caregivers of the elderly at home in Korea and the United States. One of the most important differences is that compared to Korea, diverse services based on the law of NFCSP to support the family caregivers, such as counseling, organization of support group, and educating have been available in the United States since 2000. Additionally, the legal definition of family caregivers in the United State is broader than that in Korea, where family caregivers are limited to those who are related by blood or marriage. Therefore, more caregivers are eligible for support programs and benefit from the programs in the United States. The findings of the study suggest that policy makers in Korea should legislate for diverse and comprehensive services for family caregivers. Further, it is necessary to define legal terms for family caregivers more broadly to extend beneficiaries of the programs.

• Research in Community and Public Health Nursing
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• v.32 no.3
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• pp.356-367
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• 2021

Purpose: This study conducted an economic evaluation of hospital-based home care services for the patients who had undergone breast cancer surgery. Methods: A total of 12,483 patients over 18 years of age who had received breast cancer surgery in 26 tertiary hospitals in 2018 were analyzed with the claim data from the Health Insurance Review & Assessment Service using cost-minimization analysis and societal perspectives. Results: There were 156 patients who utilized hospital-based home care services within 30 days after breast cancer surgery, and they received 2.17 (SD=1.17) hospital-based home care service on average. The average total cost was 5,250,028 KRW (SD=1,905,428) for the group receiving continuous hospital-based home care and 6,113,402 KRW (SD=2,033,739) for the group not receiving continuous hospital-based home care (p<.001). The results of the economic evaluation of continuous hospital-based home care services in patients who had undergone breast cancer surgery indicated a total benefit of 953,691,000 KRW, a total cost of 819,004,000 KRW, and a benefit-cost ratio of 1.16 in 2018. Conclusion: Continuous hospital-based home care was considered economically feasible as the total costs for the group receiving continuous hospital-based home care were lower than those of the group not receiving continuous hospital-based home care. Therefore, policy modification and financial incentives are recommended to increase the utilization of hospital-based home care services for patients who had undergone breast cancer surgery.

• Journal of dental hygiene science
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• v.23 no.2
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• pp.154-168
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• 2023

Background: Legal regulations and fees have been established in Korea to provide visiting oral health care services to individuals with long-term care insurance (LTCI). However, beneficiaries of this service are very limited. Therefore, to improve the Korean system we propose a comparative analysis with the Japanese system. Methods: This study is a descriptive analysis based on secondary data, such as statistics, laws, and service record forms from Korea and Japan. The most recent institutional documents were obtained through a Google search. The variables investigated were financial resources of LTCI, co-payment structure, monthly limit of LTCI benefits, care levels of LTCI, service providers, service costs, contents of service, and the number of cases of service. Results: In both Korea and Japan, LTCI is financed through a combination of taxes and insurance premiums. However, the monthly limit for receiving LTCI services in Japan is about 2.4 times higher than in Korea. Visiting medical and dental treatment is also possible in Japan. Furthermore, nursing staff can provide daily oral health care services according to dental hygienists' instruction unlike Korea. Oral health care services in Korea are focused on oral hygiene and prevention of oral diseases, while Japan additionally provides oral function screening, patient education for oral health management, and training for nursing staff to enhance oral function, eating, and swallowing of the patients. Conclusion: We concluded that the possibility of visiting dental treatment, differences in monthly limit of LTCI benefits, oral function assessment and guidance, as well as collaboration with other healthcare professionals contributed to the difference in the frequency of utilization of visiting oral health care services between Korea and Japan.