• Title/Summary/Keyword: Personal Finance

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A Multi-level Approach to Perceived Risks of Medical Tourism Service and Purchase Intention: An Empirical Study from Korea

  • KIM, Minsook
    • The Journal of Asian Finance, Economics and Business
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    • v.9 no.1
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    • pp.373-385
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    • 2022
  • Due to the lack of information, medical tourists are regarded to be at high risk. Prior medical tourism research has found that various types of perceived risks have a significant impact on medical tourists' purchase behavior. Even though medical tourism is predicted to increase, there is a lack of behavioral research to explain how perceived risks affect medical tourists' purchase behavior. In the context of Korean medical tourism, this study attempts to evaluate the effects of multi-level (macro, organizational, and personal) factors on medical tourists' perceived risks and purchase intentions. A conceptual model and hypotheses were built and empirically validated to investigate links between multi-level characteristics, perceived risks, and purchasing intentions. The data for this study was collected from Chinese tourists using a questionnaire. The impact of cognitive country image, affective country image, and medical service quality on fundamental risk is confirmed by statistical testing. Surprisingly, expectancy discrepancy risk is influenced only by cognitive country image and information search capabilities. Both fundamental and expectation discrepancy risks lower medical tourists' purchase intentions. The findings of this study show that a multi-level strategy is required to investigate the links between perceived risks and medical tourism purchasing intentions based on macro, organizational, and personal factors.

Performance Analysis of Perturbation-based Privacy Preserving Techniques: An Experimental Perspective

  • Ritu Ratra;Preeti Gulia;Nasib Singh Gill
    • International Journal of Computer Science & Network Security
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    • v.23 no.10
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    • pp.81-88
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    • 2023
  • In the present scenario, enormous amounts of data are produced every second. These data also contain private information from sources including media platforms, the banking sector, finance, healthcare, and criminal histories. Data mining is a method for looking through and analyzing massive volumes of data to find usable information. Preserving personal data during data mining has become difficult, thus privacy-preserving data mining (PPDM) is used to do so. Data perturbation is one of the several tactics used by the PPDM data privacy protection mechanism. In Perturbation, datasets are perturbed in order to preserve personal information. Both data accuracy and data privacy are addressed by it. This paper will explore and compare several perturbation strategies that may be used to protect data privacy. For this experiment, two perturbation techniques based on random projection and principal component analysis were used. These techniques include Improved Random Projection Perturbation (IRPP) and Enhanced Principal Component Analysis based Technique (EPCAT). The Naive Bayes classification algorithm is used for data mining approaches. These methods are employed to assess the precision, run time, and accuracy of the experimental results. The best perturbation method in the Nave-Bayes classification is determined to be a random projection-based technique (IRPP) for both the cardiovascular and hypothyroid datasets.

The Design of Intelligent Agent for Personal Finance Management System on Ubiquitous Environments (유비쿼터스 환경에서 개인자산관리 서비스를 위한 지능형 에이전트의 설계)

  • Shin, Kyung-Shik;Kim, Nam-Hee
    • Journal of Intelligence and Information Systems
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    • v.15 no.4
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    • pp.65-78
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    • 2009
  • The rapid changes of financial environment have increased the need and demand for personal financial advisory service from financial experts. In particular, as the individual customers want to get more customized financial services, the financial institutions created the private banking (PB) sector and have constantly expanded their PB services. However, it remains still problematic that the private banking system requires high costs so that the number of eligible customers who can have proper PB services is quite limited. To solve this problem, we propose an intelligent agent that can provides specialized and customized personal financial advisory services to the customers with low costs. The proposed agent systemizes and structures the information and knowledge of financial experts in private banking services so that individual customers can easily access to high-quality PB services when they need. On the first attempt we develop a framework of U-smart PB, an intelligent agent for personal financial management based on different scenarios related to personal financial decisions, and derive its core services. This system not only provides information simply, but also proposes to support personal investment decisions technically as an intelligent agent that embodies real-time customized financial management in a ubiquitous environment, regardless of time and place.

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Study on Detection Technique of Privacy Distribution Route based on Interconnection of Security Documents and Transaction ID (보안문서와 트랜잭션ID 연계기반 개인정보유통경로 탐지기법 연구)

  • Shin, Jae-ho;Kim, In-seok
    • Journal of the Korea Institute of Information Security & Cryptology
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    • v.25 no.6
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    • pp.1435-1447
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    • 2015
  • Finance Companies are operating a security solution such as E-DRM(Enterprise-Digital Right Management), Personal information search, DLP(Data Loss Prevention), Security of printed paper, Internet network separation system, Privacy monitoring system for privacy leakage prevention by insiders. However, privacy leakages are occurring continuously and it is difficult to the association analysis about relating to the company's internal and external distribution of private document. Because log system operated in the separate and independent security solutions. This paper propose a systematic chains that can correlatively analyze business systems and log among heterogeneous security solutions organically and consistently based on security documents. Also, we suggest methods of efficient detection for Life-Cycle management plan about security documents that are created in the personal computer or by individual through the business system and distribution channel tracking about security documents contained privacy.

The Effect of ERP Accounting Education on the Educational Satisfaction (ERP 회계교육이 교육만족도에 미치는 영향)

  • Lee, Shin-Nam
    • Journal of Digital Convergence
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    • v.15 no.9
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    • pp.179-187
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    • 2017
  • This study verified the effect of ERP accounting education on educational satisfaction. It was to examine the relationships between understanding, function, performance, value and ERP accounting education. The SPSS 21.0 statistics program was applied for the analysis. The results of the analysis showed that the ERP accounting education significantly affected understanding(p<.001) and function(p<.01). Specifically, ERP accounting education in information characteristics and personal characteristics significantly affected. Understanding(p<.001) and the ERP accounting education in personal characteristics significantly affected function(p<.05). This study provide the effectiveness of the ERP accounting education by confirming the effect of the application of the ERP accounting education on educational satisfaction.

Analysis of the Relationship between Workers' Personal Goals and Perceptions of Calling (재직자의 개인목표와 소명의식 관계 분석)

  • An, Yoon-Jung;Seo, Ji-Yoon
    • Journal of the Korea Academia-Industrial cooperation Society
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    • v.14 no.7
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    • pp.3263-3274
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    • 2013
  • This study purposed to examine the relationship between personal goals and perceptions of calling. For the purpose, this study conducted a questionnaire survey of 371 workers(finance, educational service, IT service sector) in Metropolitan area. Data were analyzed by t-test, Pearson's correlation, correlation analysis. The results were as follows. The individuality of personal goals and presence-transcendent summons and purpose & meaning, prosocial orientation of perceptions of calling were significantly different according to school career and the social responsibility, resource provision of personal goals and all sub-factors concerning perceptions of calling according to religion existence. Also, the individuality of personal goals and all sub-factors concerning perceptions of calling were significantly different according to organization type and according to their job, the presence-transcendent summons and purpose & meaning, prosocial orientation of perceptions of calling were significantly different. According to groups which have high or low integrative social relationship goals, perceptions of calling were significantly different. There was a correlation between the integrative social relationship goals and the perceptions of calling. Therefore, in order to encourage workers' perceptions of calling, the importance of integrative social relationship goals were verified. And it is necessary to have supporting systems to let workers design their life goals through their job in their organization.

Challenges and Opportunities of Small Business Management and Start-Ups in India

  • Potluri, Rajasekhara Mouly;Lee, Jung Wan;Khan, Saqib Rasool;Vali, Syed Mastan
    • Journal of Distribution Science
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    • v.10 no.7
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    • pp.5-11
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    • 2012
  • The core objective of this research article is to investigate different challenges and opportunities in management as well as start-ups of small businesses in India. The prudence behind this research is to examine various problems in front of the small businesses and to offer vital support and cooperation to overcome those with the support of concerned institutions through consultancy and training programs. The researchers have an intention to make available the research results to the governmental agencies, concerned small business institutions and also to the educational institutions which are continually design plans, programs, policies and strategies to upgrade the managerial and technical dexterities of the small business Indian operators. After thorough revision of relevant literature on small businesses and its management, the researchers used a well structured questionnaire and in-depth personal interviews with 586small business operators selected from manufacturing, trading (retailing and wholesaling), finance, servicing/repair businesses which are located in the coastal districts of Andhra Pradesh in India. The researchers have used convenience sampling and collected data was analyzed with the support of Microsoft Excel and frequency distribution. Noticeably, majority of the small businessmen in India are facing myriad number of challenges both in management and at the time of establishment of their business operations. In particular, 72.47 percent of small businesses operators' have substantiated their strong opinion towards the challenges they are facing particularly finance, marketing and other problems while managing their businesses. The researchers also attempted to get the opinions on problems of the various categories of small businesses while starting their operations. A staggering 68percent of respondents identified the problems related to preparation of business plan, location selection, marketing and other problems like lack of proper credit facilities, skilled manpower, and other infra related problems while setting up of their businesses. On an average, 64.62 and 63.51 percent of small businesses are facing various kinds of problems both at the time of day-to-day management as well as start-up of their businesses respectively. The present research confined with the opinions of only four categories of small business operators particularly from the manufacturing, finance, trading (retailing and wholesaling), and servicing/repair which are continuing their business operations from the nine coastal districts of Andhra Pradesh in India. The present study emphatically provides concrete information required to the business community for identifying an assortment of challenges faced by different small business operators in managing and at the time of their inception. This research paper is first of its kind from this part of the world by offering extensive and credible information required for prospective entrepreneurs in facing the dynamic challenges in managing their business. Furthermore, this research presents invaluable inputs to the stakeholders like all types of governments, policy makers, practitioners, researchers, and educators' about the various impediments faced by the small business community in India.

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Microfinance and Poverty Alleviation: An Empirical Reflection

  • Mago, Stephen
    • The Journal of Asian Finance, Economics and Business
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    • v.1 no.2
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    • pp.5-13
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    • 2014
  • The purpose of this paper is to carry out an empirical analysis of the link that exists between microfinance and poverty alleviation. The analysis is driven by literature searches on empirical works done by different researchers in different contexts. Qualitative research methodology was adopted, following a desktop approach. An empirical literature review took a centre stage in this investigation. An analysis of empirical works shows that microfinance enhances poverty alleviation despite the challenges such as the Indian Andhra Pradesh crisis. The paper is limited to a review of empirical sources of literature. A field survey, supported by an econometric analysis would have helped to generate robust results. This paper attempts to bring together the empirical works that were done in different contexts to shed light on the important relationship between microfinance and poverty. Many research works on microfinance depend upon personal anecdotes, thus this present paper attempts to compile the scattered empirical findings on microfinance and poverty alleviation.

A Study on the Improvement of Rural Community Design (농촌마을만들기의 개선방안에 대한 연구 -충북지역을 중심으로-)

  • Choi, Hyo-Seung
    • Journal of the Korean Institute of Rural Architecture
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    • v.7 no.1
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    • pp.39-50
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    • 2005
  • This study is result of interview and investigation into three rural communities progressing Rural activity, and points to be considered before promoting policy 1) Resident participation taking a lot of time, need to sustainable education and chance of personal experience, as well as stage of working plan and performance must be a serious consideration about resident opinions. 2) Until placing operation and management on the right track, experts and administrators will be help aspects of software and finance. 3) It is necessary to periodically train rural activity experts, and educate business persons. 4) Through checking a process, each community improve, supplement, will work out the next support system.

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A Study on Revitalizing the Introduction of a New Transit System (신교통시스템 도입 활성화에 관한 연구)

  • Kim, Pil-Soo;Chung, Jee-Seung;Choi, Youn-Cheol;Park, Cheol;Shin, Haw-Cheol;Kang, Weon-Dae
    • Proceedings of the KSR Conference
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    • 2010.06a
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    • pp.521-526
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    • 2010
  • The existing city which consists of the downtown in Korea has been built spontaneously, and it is in difficulties for the distribution problem and traffic congestion since undersupply of social facilities cannot afford to handle the increasing traffic demand. So the traffic facilities have been reinforced to increase the competitiveness of the city and solve the related problems. The need of a new transit system considering the transport capacity and environment-friendliness is emerging as revitalization of public transportation is needed for reduce of personal transportation. In case of local governments that the Self-Reliance Ratio of local finance is high, if they promote the business by tram transit low which period could be shorten, it can correspond the traffic policy and invigorate the introduction of the new traffic system.

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