• Korean Journal of Social Welfare Studies
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• no.37
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• pp.241-266
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• 2008

Individual donors that are the social and financial base of organization finance are divided into prospect, current donors and lapsed donors. This study might be the first efforts in Korea, to reveal the characteristics and behavior of lapsed donors. We found that major reasons of giving lapse were financial inabilities and interest of other cause. However, many lapsed donors didn't give any more but moved to another nonprofit organization for donation. Moreover, their trust of ex-nonprofit organization has effected their decision to donate to other nonprofit organizations again or not. Therefore, donor services that improve donors' trust is important to maintain nonprofit sector' donor basis.

• Journal of Convergence for Information Technology
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• v.9 no.10
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• pp.64-70
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• 2019

In this study, the effect of customer relationship management on the management performance of productive welfare institutions was to be analyzed empirically. For this study, data were collected from 129 participants of productive welfare institutions in Busan. The results of this study are as follows. First, contact services and communication have a statistically significant impact on the financial performance of productive welfare institutions. Second, contact services and communication have a statistically significant impact on non-financial performance of productive welfare institutions. Based on the results of this study, the following suggestions are made. First, institutionalization of CS(customer service) education should be carried out in order to improve the management performance of productive welfare institutions. Second, participants' emotional support programs are needed to improve the management performance of productive welfare institutions.

• Journal of Information Technology Services
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• v.21 no.4
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• pp.123-140
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• 2022

In the ever-increasing online secondhand product market, the perceived risk of online used products purchase was identified as a factor influencing consumer purchase intention. The results of this study are as follows. First, the relationship between the perceived risk of online secondhand purchase and purchase intention was presented with somewhat different results for each sub-risk factor. First of all, a significant negative causal relationship between physical risk, time loss risk, psychological risk, social risk and online used product purchase intention was verified. On the other hand, financial risk and functional risk did not show a statistically significant relationship with online used products purchase intention. Second, as a result of research on the moderating effect of purchasing experience, offline purchasing experience of used products and online purchasing experience were verified differently. First of all, the moderating effect of the online purchase experience of used products was significant only in the relationship between psychological and social risks on the intention to purchase used products online. The experience of purchasing used products online is believed to reduce uncertainty about the surrounding response to purchasing used products online and weaken the intention to purchase used products online by reducing tension and concerns about purchasing them. Other risks, such as financial risk, performance risk, physical risk, time loss risk, and online purchase experience of used products, were verified to have no significant effect on online used products purchase intention. In addition, the offline purchase experience of used products did not verify a significant moderating effect on the effect of all perceived risks on online used product purchase intention.

• Journal of the Korea Society of Computer and Information
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• v.14 no.6
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• pp.27-32
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• 2009

Recently, most of information services are provided by the computer network, since the technology of computer communication is developing rapidly, and the worth of information over the network is also increasing with expensive cost. But various attacks to quietly intercept the informations is invoked with the technology of communication developed, and then most of the financial agency currently have used OTP, which is generated by a token at a number whenever a user authenticates to a server, rather than general static password for some services. A 2-Factor OTP generating method using the OTP token is mostly used by the financial agency. However, the method is vulnerable to real attacks and therefore the OTP token could be robbed and disappeared. In this paper, we propose a 3-Factor OTP way using HMAC to conquer the problems and analyze the security of the proposed scheme.

• Journal of Digital Convergence
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• v.20 no.3
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• pp.131-143
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• 2022

Focusing on FinTech keywords, this study is analyzing newspaper articles and Twitter data by using text mining methodology in order to understand trends in the industry of domestic digital financial service. In the growth of FinTech lifecycle, the frequency analysis has been performed by four important points: Mobile Payment Service, Internet Primary Bank, Data 3 Act, MyData Businesses. Utilizing frequency analysis, which combines the keywords 'China', 'USA', and 'Future' with the 'FinTech', has been predicting the FinTech industry regarding of the current and future position. Next, sentiment analysis was conducted on Twitter to quantify consumers' expectations and concerns about FinTech services. Therefore, this study is able to share meaningful perspective in that it presented strategic directions that the government and companies can use to understanding future FinTech market by combining frequency analysis and sentiment analysis.

• The Journal of the Convergence on Culture Technology
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• v.9 no.4
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• pp.51-60
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• 2023

This study is to verify the moderating effect of residential selection on the relationship between marriage and childbirth. According to the analysis results, interactions of first marriage with the financial capacity of local governments for public services, residential stability, the scale of the region, and local economic situation have a moderating effect on childbirth. Interactions of remarriage and marriage with foreigners with the financial capacity of local governments for public services, residential stability, and the scale of the region have a moderating effect on childbirth. These results indicate that when married couples choose to reside in small and medium-sized cities or large cities rather than rural areas, it can more positively affect their intention to have children. While there may be a logical argument against advocating for regional integration based on the moderating effect of residential selection on the relationship between marriage and childbirth, the analysis results of this study and the phenomenon of married couples avoiding rural areas can contribute to raising the need for regional integration.

• Korean Journal of Clinical Pharmacy
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• v.22 no.3
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• pp.239-250
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• 2012

In recent years, national health insurance(NHI) coverage had been expanded gradually for cancer as a severe disease requiring high level of medical expenditure, to reduce patient's financial burden. But, subjective burdens level for out-of-pocket(OOP) money expense are still considerable owing to high medical cost and decent numbers of services not covered by benefit plan. This study aimed to investigate OOP medical expenditures and identify factors influencing subjective financial burden in cancer patients. A 28-items questionnaire for self-reporting by responders was designed to satisfy study goal and finalized following by one pilot study and experts' verification process. Subjects were enrolled during July to October 2010 through regular meetings organized by five patient or patient-advocacy groups had acknowledged the study purpose. Subjects who aged 20 or more, have histories of cancer diagnosis and anticancer drug use, and voluntarily agreed to participate in this study were recruited. Total 107 subjects included in the analysis have cancer lesions in breast, colon, kidney, liver or stomach at the stages from I to IV. Approximately 73% of them has passed less than 5 years since cancer diagnosis. For the OOP medical expenditure regarding cancer, less 6 million won was in 31%, 6-15 million won in 35% and more than 15 million won in 28% of responders, and more than half responders(58%) felt financial burden subjectively. 63% of responders had subscribed commercial insurances, resulting in money receipts of more than 10 million won since cancer diagnoses in 76% of responders. Logistic regression results showed significant differences in subjective OOP financial burden level depending on gender, household income level, benefit type, commercial insurance money receipt degree, year cancer diagnosed, cancer lesion, therapy type, duration of anticancer drug use, drug listing in national formulary, total OOP medical expenditure and total OOP anticancer drug expense. They had mixed feelings both wishes to expand NHI coverage to reduce financial burden(70%) and no willingness to increase premium(59%). This result suggested that NHI might direct future strategies to reduce absolute total OOP medical cost and expand benefit plan coverage in higher burden groups in particular.

• The Journal of Society for e-Business Studies
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• v.15 no.4
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• pp.285-301
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• 2010

Peer-to-peer (P2P) lending is an open marketplace for loans not from bank but from individuals online. Financial transactions are facilitated directly between individuals ("peers") without any intermediation of a traditional financial institution. A market study by renowned research company forecasts that P2P lending will grow very fast and a couple of P2P lending sites in Korea also are getting attentions by providing the alternative financial services. In P2P lending market, Lender will enjoy higher income generated from the loans in the form of interest than interest that can be earned by financial products provided by official financial institutions. Furthermore, lenders are able to decide who they would lend the money for themselves. Meanwhile, borrowers with low credit scores are able to finance their liquidity requirement with low cost and convenient access to the Internet. The objective of this paper is to introduce P2P lending and its issues of information asymmetry. We provide the insights from the case study of one of P2P lending sites in Korea and review the issues in P2P lending market as research topics. Specifically, information asymmetry issues in both traditional financial institutions and P2P lending are discussed.

• Journal of the Korea Institute of Information Security & Cryptology
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• v.21 no.1
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• pp.15-26
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• 2011

The development of IT technology and information communication networks activated to online financial transactions; the users were able to get a variety of financial services. However, unlike the positive effect that occurred on 7 July 2009 DDoS(Distribute Denial of Service) attacks, such as damaging to the user, which was caused negative effects. Authentication technology(OTP) is used to online financial transaction, which should be reviewed to safety with various points because the unpredictable attacks can bypass the authentication procedure such as phishing sites, which is occurred. Thus, this paper proposes mobile OTP(One Time Password) Mechanism, which is based on PKI to improve the safety of OTP authentication. The proposed Mechanism is operated based on PKI; the secret is transmitted safely through signatures and public key encryption of the user and the authentication server. The users do not input in the web site, but the generated OTP is directly transmitted to the authentication server. Therefore, it is improvement of the availability of the user and the resolved problem is exposed from the citibank phishing site(USA) in 2006.

• Knowledge Management Research
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• v.23 no.4
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• pp.133-157
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• 2022

As data becomes a new core resource with high attention, MyData service is spreading to various fields such as finance, medical care, and the public sector. However, research on the behavior of MyData service users is insufficient. Therefore, this study aims to empirically examine the effect of MyData service traits on value perception and acceptable behavior particularly in the financial sector where MyData service is most active. To this end, this study proposed a research model based on the literature. 295 survey responses were collected from individuals and analyzed using AMOS 26.0 for hypothesis testing. As a result of the analysis, it was found that self-information control, financial convenience, and personalized service had a significant effect on perceived value, and that perceived value had a significant effect on the intention to accept MyData service. Furthermore, this study examined the role of personal innovation and technological security in the relationship between variables by suggesting them as moderators. Results show that individual innovation was found to strengthen the relationship between two variables(self-information control and personalized service) and perceived value. Also, technological security was shown to strengthen the relationship between perceived value and intention to accept financial MyData services. The findings are expected to provide useful information to understand the factors affecting the acceptance of financial MyData service users and to understand the importance of individual innovation levels and technological security.