• 제목/요약/키워드: Financial services

검색결과 1,225건 처리시간 0.021초

인터넷뱅킹의 서비스품질이 e-서비스가치 및 고객만족과 고객충성도에 미치는 영향 (The Effect of Service Quality on E-Service Value, Customer Satisfaction and Loyalty in Internet Banking)

  • 정기한;박민영;신재익
    • 디지털산업정보학회논문지
    • /
    • 제5권4호
    • /
    • pp.231-247
    • /
    • 2009
  • With the growth of e-commerce banks make the best use of internet banking which can provide all sorts of financial services in cyber space and satisfy customers beyond traditional banking services which are cash reserve and loan based on retail. For survival of internet banking high quality of service should be provided to customers. For this, the attributes of service quality in internet banking should be identified first. The studies on scale of service quality in internet banking have been divided into two ways. While traditional way has focused on SERVQUAL, several researchers have developed scale of e-service quality. However, the dimension of e-service quality is applied from the traditional dimension of service quality. In this paper five dimensions of tangibles, reliability, responsiveness, assurance, and empathy based on SERVQUAL are used as scale of service quality in internet banking through reviewing previous studies. In addition, because service value is correlated to service quality, the dimensions of service quality can affect e-service value. The positive relationship among e-service value, customer satisfaction, and customer loyalty in online or offline service has been identified by previous studies. The purpose of this study is to identify the relationship among service quality, e-service value, customer satisfaction, and customer loyalty in internet banking. SPSS 12.0 is used to test validity and reliability of questionnaire items and correlation of variables and AMOS 4.0 is used to test the hypotheses. The results of this study show that the responsiveness, assurance, and empathy factors of service quality have a positive effect on service value and that the tangible and assurance factors have a positive effect on customer satisfaction. It also shows that e-service value affects positively customer satisfaction and loyalty. Customer satisfaction affects positively customer loyalty. Therefore, to enhance customer satisfaction and loyalty, service quality and value of internet banking should be improved through reinforcing customers' trust in internet service quality.

웹 기반 공공고용정보시스템 워크넷(Work-Net)평가에 관한 연구 (A Study on the Evaluation of the Work-Net, a Web-based Public Employment Information System)

  • 김순원
    • 정보관리학회지
    • /
    • 제20권2호
    • /
    • pp.93-112
    • /
    • 2003
  • 정보기술의 발전과 더불어 국가경쟁력 및 대국민 서비스 강화를 위한 공공정보시스템의 구축이 확산되고 있다. 또한 막대한 공공재원이 투자되는 공공정보시스템은 효율성에 대한 정기적인 평가를 통한 존재가치의 입증 및 문제점 진단을 통한 성능개선의 요구도 증대되고 있다. 따라서 본 연구는 국내의 대표적인 웹 기반 공공고용정보시스템 워크넷(Work-Net)의 데이터 및 서비스 품질을 102명의 이용자를 대상으로 평가하였다. 측정도구는 학계에서 많이 사용해온 정보내용, 정확성, 적시성, 출력형태, 사용의 용이성, 지원성으로 구성하였으며 t-test와 일원변량분석(one-way ANOVA)을 실시하여 이용자의 특성 및 검색정보에 따른 차이를 살펴보았다. 또한 최근 구직자들의 고용정보시스템에 대한 요구사항들을 분석하였다. 본 연구결과는 공공 및 민간운영 고용정보시스템 운영체제 효율화에 기여할 수 있는 유용한 기초자료를 제공할 것으로 본다.

경로식당 급식서비스 운영관리 실태분석 (Analyzing the Current Congregate Meal Service Program for Homebound Elderly)

  • 정현영;양일선;이해영;채인숙
    • 대한지역사회영양학회지
    • /
    • 제8권6호
    • /
    • pp.919-926
    • /
    • 2003
  • The purpose of this study is to examine the current congregate meal service program for homebound elderly. One hundred three meal service centers in charge of the congregate meal service programs as part of the elderly foodservice program were surveyed for administrative structure, menu management, food purchasing and production management, hygiene, equipment, and facilities. Statistical data analyses were completed using the SAS 8.1 program for descriptive analysis and ANOVA. The meal cost of 54.4% of the congregate meal service centers ranged from ₩l,500 to ₩l,999 per meal. According to the menu analysis, all nutrients except calcium and Vitamin B2 were at levels of more than 33% of the Recommended Dietary Allowances for Koreans. A total of 81.5% of the centers were operated without the services of a dietitian, and food purchasing, menu planning and other foodservice management processes were handled by non-professionals, such as volunteers, cooks or social workers. Although 88.3% of the centers required a therapeutic diet menu for the health of the elderly, most directors (77.6%) replied that in their current status they could not afford to serve therapeutic diets. These results suggest that financial and systematic supports by government is very necessary. Fifty-five percent of the centers never used standard recipes. For determining portion sizes, 93.2% of the congregate meal service centers depended on the personal experience of the personnel. Finally, the current congregate meal services for the homebound elderly were not operated systematically. To improve the elderly food service program, it is strong1y recommended that it be managed by Professionals.

장기요양노인을 돌보는 가족의 부양부담과 생활만족도의 관계에서 사회적 지지 자원의 조절효과 -장기요양재가서비스 이용자를 돌보는 가족부양자를 중심으로- (The Moderating Effect of Social Support Resources on Caregiving Burden and Life Satisfaction of Family Caregivers Performing Long-Term Care of the Elderly: A Focus on Using Home Care Services Under the Long-Term Care Insurance System)

  • 박주희
    • 가족자원경영과 정책
    • /
    • 제21권3호
    • /
    • pp.121-139
    • /
    • 2017
  • This study aimed to explore the moderating effect of social support resources on the life satisfaction and caregiving burden of family caregivers taking care of the elderly in long-term care services. The study participants were selected from among the family caregivers utilizing 30 home care centers in Seoul, Korea. Of the candidates who agreed to participate in the study, 250 caregivers who had supported the elderly at home for at least 6 months were selected. The data collected were analyzed using SPSS ver. 21.0. The study findings were as follows. First, the whole family caregivers' caregiving burden of family caregivers was found to be slightly higher than the median value. More specifically, the physical burden was the heaviest, followed by the family relationship burden, the social activity burden, the emotional burden, and the financial burden. Social support resources and life satisfaction were found to be a little bit higher than the median value. Second, the variables that statistically significantly increased life satisfaction, starting with the strongest effect, were a lower psycho emotional burden, greater informational support resources, a lower economical burden, greater emotional support, a younger caregiver age, a higher monthly income, and a shorter care period. Third, informational support resources were found to have a moderating effect on the relationship between the support burden and life satisfaction. The more the participants used the informational support resource subcategory of the social support resources, the narrower the life satisfaction decrease, even though the caregivers felt a support burden. Informational support resources appear to have a statistically significant buffering effect.

암 환자의 치료에 대한 요구도와 관련된 요인분석 (Analysis of the Factors Related to the Needs of Patients with Cancer)

  • 이정아;이선희;박종혁;박재현;김성경;서주현
    • Journal of Preventive Medicine and Public Health
    • /
    • 제43권3호
    • /
    • pp.222-234
    • /
    • 2010
  • Objectives: Limited research has investigated the specific needs of patients with cancer. This study was performed to explore patients needs and the related factors. Methods: The data were collected by 1 National Cancer Center and 9 regional cancer centers in Korea. An interview survey was performed with using a structured questionnaire for the subjects(2661 patients who gave written informed consent to particiate) survey 4 months after diagnosis and review of medical records. Data were analyzed using t-test, ANOVA and multiple regression analysis. Results: When comparing the relating factors related with patient needs to the sociodemographic characteristics, the female group showed a higher level of recognition for physical symptoms, social support needs. The younger group showed a significantly higher level of recognition for health care staff, psychological problems, information and education, social support, hospital services needs. In addition, the higher educated group showed a higher level of recognition for health care staff, physical symptoms, social support needs. The higher income and office workers group showed a higher level of recognition for hospital services needs. When comparing the relating factors related with patient needs to the cancer, the breast cancer group showed a higher level of recognition for all needs excluding physical symptoms, accessibility and financial support needs. The combined radiotherapy with surgery and chemotherapy group showed a higher level of recognition for psychological problems, information and education, social support needs. Conclusions: This study showed that needs on patient with cancer was significantly influenced by female, higher educagion, lower income, having religion, office worker, liver cancer, breast cancer, colon cancer, chemotherapy, and combined therapy.

분위회귀분석을 이용한 개업 치과의사의 의료수익과 소득에 미치는 요인 (Factors Associated with Dental Revenue and Income of Self-Employed Dentist by Using a Quantile Regression Method)

  • 최형길;김명기
    • 보건행정학회지
    • /
    • 제25권3호
    • /
    • pp.240-251
    • /
    • 2015
  • Background: Dentist's income is quite variable. We investigate the factors underlying the distribution of dental revenue and dentist income. Methods: Financial and structural variables of private dental practices(N=13,967) were examined with 2010 Economic Census microdata which include non-insurance revenue. We conducted quantile regression method(QRM) and ordinary least square(OLS) in treating skewness and heteroskedasticity of distributions. The effective estimation for the upper and lower range of distribution becomes possible by QRM. Results: Mid-career dentists are shown to have higher revenue and income. Male dentists achieve the higher revenue and income than female dentists in all quantiles. Group practices show lower income per owner than solo practices significantly. The revenue and income are increased with increasing size of clinics. The high cost in renting the clinic office is found to have a big positive effect on the revenue but a little positive effect on the income. Interestingly the density of dentists shows negative effect on the lowest quantile of the revenue but positive effect on the highest quantile. The lowest quantile of the revenue in the capital areas have the relatively high revenue. The lowest quantile of the income in metropolitan city show higher income than those in other areas significantly. Conclusion: The suggested QRM is shown to have more effective and efficient tool in finding out determinants of dentists' revenue and income of our concern. The results of this study are expected to be employed for dentists preparing for the opening practices in their organizational settings and locational selections. The distributional efficiency of dental human resources could be accomplished if policy makers guide dentists with this knowledge.

15세 이하 입원 진료비 본인부담 경감 정책이 평균재원일수 및 입원 진료비 변화에 미친 영향 분석 (The Effect of Co-insurance Reduction Policy on the Average Length of Stay and the Cost of Hospital Admission of Patients under Age of 15)

  • 김현화;김희년;정효정;서영준
    • 한국병원경영학회지
    • /
    • 제26권3호
    • /
    • pp.1-12
    • /
    • 2021
  • Purpose: This study aims to examine the effect of the copayment reduction policy on the health care utilization of patients under age 15 after the policy started in 2017. (이하는 아래 methodoloty로 이동) Methodology: Data on the ALOS, the average admission cost, and the out-of-pocket expenditure for patients under 15 years of age from 2015 to 2019 were obtained from the National Health Insurance database. Policy effects were measured by analyzing three dependent variables before and after policy: the average length of stay (ALOS), the average admission cost, and the out-of-pocket expenditure for patients under 15 years of age. The collected data were analyzed using the SAS package, and the analysis methods used in this study were the mean difference test and linear regression analysis. Findings: The study results reveal that, after the copayment reduction policy in the year 2017, the ALOS and the out-of-pocket expenditure were significantly decreased, but the average admission cost was significantly increased. Practical Implications: These results imply that the policy of copayment reduction for the patients under the age of 15 has contributed to mitigating the patients' financial burden with little concern about growing medical utilization.

지방의료원의 환경요인에 따른 공공성지표 차이 분석 (An Analysis of the Differences in the Publicness Indices Depending on Environmental Factors of Regional Public Hospitals)

  • 최요한;김영훈;한휘종
    • 한국병원경영학회지
    • /
    • 제24권2호
    • /
    • pp.67-83
    • /
    • 2019
  • The aim of this study is to analyze the differences in the publicness indices depending on the environmental factors of regional public hospitals to derive the policy implications for improving management for regional public hospitals. The data of the 34 regional public hospitals from 2016 was used for the analysis. Major results of this study are as follows. First, the analysis of the differences in the scores of the medical safety net function showed significantly higher scores for regional public hospitals with a larger location, a larger number of hospitals in a unit area, a larger number of nurses per 100 beds, and the lower management fee ratio. Second, the analysis of the differences in the scores of the unmet healthcare needs showed significantly higher scores for regional public hospitals with a larger number of hospitals in a unit area, and a larger number of beds. Third, the analysis of the differences in the scores of the hospital-specialized services showed significantly higher scores for regional public hospitals with a larger location, a higher financial independence of the local government, a larger number of hospitals in a unit area, a larger number of beds, and a larger number of nurses per 100 beds. Major conclusions of this study are as follows. Consideration should be given to the appropriate number of nurses for each regional public hospital to maximize publicness by providing the appropriate amount of medical services, but not to incur unnecessary labor costs. In addition, efforts should be made to enhance profitability, which can be a means of strengthening publicness, by identifying the minimum administrative expenses required for efficient operation and reducing unnecessary administrative expenses. Finally, it is necessary to identify the appropriate number of beds to meet the needs of the customers and to create maximum profits.

수요자와 공급자 대상 요구조사를 통한 장애인 치과주치의제도의 제안 (SUGGESTION OF REGISTERED DENTIST PROGRAM FOR THE DISABLED: BASED ON THE NEEDS OF CONSUMERS AND SUPPLIERS)

  • 김소연;백혜란;진보형;이재영;김지현;김영재
    • 대한장애인치과학회지
    • /
    • 제14권2호
    • /
    • pp.59-64
    • /
    • 2018
  • This study proposed a registered dentist model for the disabled based on consumer in-depth interview and supplier survey. This study proposed that dental clinics in the community take role as registered dentists for the disabled. Qualification screening and facility prerequisites are required to be selected as the registered dentists for the disabled and patients of the registered dentists were restricted to the disabled who can cooperate to dental treatment services with or without the aid of physical bondage. In order to encourage the participation in the program, subsidies for the registered dentists were necessary. Also, this study proposed financial supports for the medical expenses for patients at the same level as the current dental care center for the disabled. The registered dentist program for the disabled meets the needs of disabled consumers, such as accessibility of medical institutions, expertise of medical staff, and ongoing treatments with familiar medical staff. The registered dentist program for the disabled is expected to provide prevention and ongoing management for oral health promotion of disabled people and it also contribute to lower economic burden of oral health care of the disabled.

재활운동 및 체육 서비스 제공을 위한 장애인 요구도 분석 (Analysis of the Needs of Individuals with Disability for Rehabilitation Sports Service)

  • 강동헌;박지영;은선덕
    • 한국콘텐츠학회논문지
    • /
    • 제21권8호
    • /
    • pp.675-690
    • /
    • 2021
  • 본 연구는 국내에서 수행된 '장애인 체육', '장애인 생활체육', '재활운동 및 체육' 관련 연구들을 바탕으로 재활운동 및 체육 서비스 실수요자인 장애인을 대상으로 실시한 요구도 조사 결과들을 수집하여 재활운동 및 체육 서비스에 대한 요구도를 분석하였다. 장애인의 요구 내용을 추출하고 추출된 내용을 귀납적 내용 분석으로 제시하였으며, 연구자의 선입견과 주관적인 판단을 최대한 배제하고자 하였다. 국내에서 수행된 '장애인 체육', '장애인 생활체육', '재활운동 및 체육' 관련 연구들을 바탕으로 장애인을 대상으로 실시한 요구도 조사결과가 포함된 연구가 선정되었다. 본 연구의 결과는 재활운동 및 체육 서비스 실수요자인 장애인을 대상으로 실시한 요구도 조사 결과에 대하여 8가지(체육활동에 관한 인식, 프로그램, 지도자, 시설, 접근성, 체육활동 참여에 관한 저해요소, 비용/지원/재원, 기타)로 구성하여 범주화하였다.