• 경영정보학연구
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• 제23권1호
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• pp.93-113
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• 2021

서비스 지향성과 고객 지향성은 서비스 기업의 성공을 결정짓는 서비스 기업내 중요한 자산으로 인식되고 있다. 그러나 이들 지표는 서비스 제공 경험을 토대로 한 서비스 기업 내부의 자가 진단을 통해 평가된다. 그렇기 때문에 모바일 앱 등 비대면 채널을 기반으로 금융서비스를 제공하는 핀테크 기업의 경우 자사의 서비스 지향성이나 고객 지향성을 평가하기가 쉽지 않은 것이 사실이다. 이에 본 연구에서는 고객의 평가를 통해 서비스 지향성과 고객 지향성을 평가할 수 있도록 지각된 고객 지향성을 개념화하였다. 그리고 기술수용 모델을 기반으로 지각된 고객 지향성에 영향을 미치는 선행요인과 후행요인에 대해 실증하였다. 이를 위해 지각된 이용 편의성과 유용성, 지각된 고객 지향성, 고객의 지속 이용의도와 구전의도로 구성된 설문에 대해 핀테크 서비스를 이용한 고객들을 대상으로 설문을 실시하고 구조방정식을 통해 개념간 인과관계를 실증하였다. 그 결과 지각된 이용 편의성과 유용성, 고객의 지속 이용의도와 구전의도간의 인과관계에 있어 지각된 고객 지향성의 매개효과를 확인할 수 있었다. 본 연구는 비대면으로 모든 금융서비스가 제공되는 핀테크 기업의 경영진과 실무진들이 자사의 서비스 지향성과 고객 지향성을 고객의 평가를 통해 객관적으로 측정하고 서비스 운영전략 수립에 활용할 수 있는 토대를 마련했다는 점에서 학문적, 실무적 시사점을 제공하고 있다.

• 지식경영연구
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• 제23권4호
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• pp.133-157
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• 2022

데이터가 새로운 핵심자원으로 주목받으면서 마이데이터가 금융, 의료, 공공 등 다양한 분야로 확산되고 있지만 마이데이터 사용자의 행동연구는 미비한 실정이다. 이에 본 연구는 마이데이터가 가장 활발히 이루어지고 있는 금융 분야를 대상으로 마이데이터 특성이 가치 인식에 미치는 영향과 수용행동에 미치는 영향에 대해 실증적으로 살펴보고자 한다. 이를 위해 본 연구는 기존 연구를 근거로 연구모형을 제안하였으며, 가설검증을 위해 개인을 대상으로 295부의 설문 자료를 수집하여 AMOS 26.0을 이용하여 분석하였다. 분석 결과, 금융 마이데이터 특성으로 제안한 자기정보결정권, 금융 편의성, 개인화서비스는 지각된 가치에 유의한 영향을 미치는 것으로 나타났으며, 지각된 가치는 수용의도에 유의한 영향을 미치는 것으로 나타났다. 더 나아가 본 연구는 개인혁신성과 기술적 보안성을 조절변수로 제안하여 변수 간의 관계에 어떤 역할을 하는지 살펴보고자 하였다. 그 결과, 개인혁신성은 자기정보결정권, 개인화서비스와 지각된 가치 간의 관계를 강화시켜주는 것으로 나타났으며, 기술적 보안성은 지각된 가치와 금융 마이데이터 수용의도 간의 관계를 강화시켜 주는 것으로 나타났다. 본 연구의 결과는 금융 마이데이터 사용자의 수용에 영향을 미치는 요인을 이해하고 개인의 혁신성 수준과 기술적 보안성의 중요성에 대해 이해하는데 유용한 정보를 제공할 것으로 기대한다.

• Journal of Information Processing Systems
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• 제14권6호
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• pp.1494-1507
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• 2018

Intelligent human identification using face information has been the research hotspot ranging from Internet of Things (IoT) application, intelligent self-service bank, intelligent surveillance to public safety and intelligent access control. Since 2D face images are usually captured from a long distance in an unconstrained environment, to fully exploit this advantage and make human recognition appropriate for wider intelligent applications with higher security and convenience, the key difficulties here include gray scale change caused by illumination variance, occlusion caused by glasses, hair or scarf, self-occlusion and deformation caused by pose or expression variation. To conquer these, many solutions have been proposed. However, most of them only improve recognition performance under one influence factor, which still cannot meet the real face recognition scenario. In this paper we propose a multi-scale parallel convolutional neural network architecture to extract deep robust facial features with high discriminative ability. Abundant experiments are conducted on CMU-PIE, extended FERET and AR database. And the experiment results show that the proposed algorithm exhibits excellent discriminative ability compared with other existing algorithms.

• 산업경영시스템학회지
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• 제42권2호
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• pp.36-48
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• 2019

As the importance of Knowledge Management System (KMS) in the military increases, Republic of Korea Army (ROK Army) developed Army Knowledge Portal. Although the members in the military are encouraged to use the portal, few members currently use it. This study was conducted to find variables to predict the user's intention to use the portal, which contributes to activating the use of Army Knowledge Portal in the army. On the basis of Technology Acceptance Model (TAM), ten variables such as perceived ease of use, general information security awareness, information security awareness, expectation for external rewards, expectation for relationships, sense of self-worth, attitude toward compliance with security policy, attitude toward knowledge sharing, intention of non-combat knowledge sharing, and intention of combat knowledge sharing were considered as independent variables. 105 participants on active duty who currently use or have experience to use the portal participated in this study. The results indicated that general information security awareness and information security awareness increases compliance with the information security policy. In addition, the attitude toward knowledge sharing is enhanced by expectations for relationship and sense of self-worth. Based on the results, the authors propose the need for policy alternatives to reinforce the reward system and security policy, which activates the use of Knowledge Portal Service for ROK Army.

• 디지털산업정보학회논문지
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• 제19권2호
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• pp.177-186
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• 2023

This study investigates customers' perceptions of untack services in the hospitality and foodservice industries based on the Technology Acceptance Model (TAM). The study first identifies Perceived Ease of Use, Perceived Usefulness, and Image as antecedents of customers' Behavioral Intention and Recommendation Intention. Second, the structural relationships among them are established and tested. The study adopts a self-administered survey method, uses SmartPLS 4.0, and applies a two-stage approach. After testing the reliability and validity of customers' 429 data on hospitality and foodservice, hypotheses were tested. The results showed that Perceived Ease of Use significantly affects Perceived Usefulness and Image. Perceived Usefulness significantly also affects Image and Behavioral Intention. The Image of untact services also significantly affects Behavioral Intention and Recommendation Intention. And Behavioral Intention significantly affects Recommendation Intention. Finally, the mediation effects are also all significant. The study's findings suggest that researchers and practitioners should consider the management of Image and Recommendation Intention in the untact service environment.

• 한국경영정보학회:학술대회논문집
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• 한국경영정보학회 2007년도 International Conference
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• pp.80-86
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• 2007

In this paper, we identified factors that affect the usage of UCC, which is becoming increasingly popular in our society and throughout the globe. Four hypotheses were tested using a new integrative model of UCC usage, which is built up by incorporating the TAM and the PAD(pleasure-arousal-dominace)model. We analyzed the data collected in our survey of 258 individual UCC users during the period from Oct 2006 to Dec 2006. We found that pleasure and arousal showed a strong significant effect on individual's UCC usage, supporting the findings of the exiting research on TAM. To be specific, arousal had an effect on the UCC usage through its effect on pleasure and self efficacy. Pleasure affected the UCC usage in two ways: First, pleasure affected UCC usage through increasing the ease of UCC service. At the same time, pleasure had a direct effect on the UCC usage. Contrary to what the prior research on technology acceptance suggested, we found ease of use and social influence had no significant effect on individual's UCC usage. We further found that such effects of the ease of use and pleasure factors are more positive in the entertainment-based UCC than in the relationship-based UCC.

• 대한안전경영과학회지
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• 제9권6호
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• pp.155-162
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• 2007

Recently, retail store automation appliance market is changed with traditional POS systems techniques and RFID, radio POS system, and self checkout system, etc. in the foreign advanced distribution industry. Retailers and consumers require convenient POS system which can provide more functions and fast service. These requests bring to rapid evolution of various H/W and S/W corresponding with POS system. In this study with the POS systems and the RFID technology we develop core technology of movable u-POS system based on RFID that can use in large store. So we propose u-Cart system that can alternate the current shopping cart and POS terminal and that provide value added services to customer. As the result we present the configuration of u-Cart terminal device(WMDT : Wireless Mobile Data Terminal) including RFID reader module that can provide various information to consumer and some convenient client applications that are running in WMDT and u-POS administration service module.

• 한국IT서비스학회지
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• 제13권3호
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• pp.235-255
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• 2014

Social Network Service (SNS) with emergence of Web 2.0 have been developed rapidly. Unlike other games, social network game is based on the relationship with smart devices and studied for user-centered behavior as a potential factor derived from the Technical Acceptance Model (TAM). This research is conducted for finding out influencing factors on continuous intention for smart device users. Therefore, the independent variables consist of subjective norm, mobility, playfulness, self-efficacy, and ease of use. The intermediate variables also compose of flow, and user satisfaction and the dependent variables as continuous intention. The result of study shows the following: First, subjective norm, playfulness, self-efficacy and ease of use except mobility have the positive effect on user flow. Second, subjective norm, mobility, playfulness and ease of use except self-efficacy have significantly the positive effect on user satisfaction. Finally, user flow has significantly the positive effect on user satisfaction and continuance intention and a factor of user satisfaction have significantly the positive effect on continuance intention.

• Asia pacific journal of information systems
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• 제17권2호
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• pp.123-137
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• 2007

The advent of the Internet and related Web technologies has created an easily accessible link between a firm and its customers, and has provided opportunities to a firm to use information technology to support supplementary after-sale services associated with a product or service. It has been widely recognized that supplementary services are an important source of customer value and of competitive advantage as the characteristics of the product itself. Many of these supplementary services are information-based and need not be co-located with the product, so more and more companies are delivering these services electronically. Net-based customer service, which is defined as an Internet-based computerized information system that delivers services to a customer, therefore, is the core infrastructure for supplementary service provision. The importance of net-based customer service in delivering supplementary after-sale services associated with product has been well documented. The strategic advantages of well-implemented net-based customer service are enhanced customer loyalty and higher lock-in of customers, and a resulting reduction in competition and the consequent increase in profits. However, not all customers utilize such net-based customer service. The digital divide is the phenomenon in our society that captures the observation that not all customers have equal access to computers. Socioeconomic factors such as race, gender, and education level are strongly related to Internet accessibility and ability to use. This is due to the differences in the ability to bear the cost of a computer, and the differences in self-efficacy in the use of a technology, among other reasons. This concept, applied to e-commerce, has been called the "e-commerce divide." High Internet penetration is not eradicating the digital divide and e-commerce divide as one would hope. Besides, to accommodate personalized support, a customer must often provide personal information to the firm. This personal information includes not only name and address, but also preferences information and perhaps valuation information. However, many recent studies show that consumers may not be willing to share information about themselves due to concerns about privacy online. Due to the e-commerce divide, and due to privacy and security concerns of the customer for sharing personal information with firms, limited numbers of customers adopt net-based customer service. The limited level of customer adoption of net-based customer service affects the firm profits and the customers' welfare. We use a game-theoretic model in which we model the net-based customer service system as a mechanism to enhance customers' loyalty. We model a market entry scenario where a firm (the incumbent) uses the net-based customer service system in inducing loyalty in its customer base. The firm sells one product through the traditional retailing channels and at a price set for these channels. Another firm (the entrant) enters the market, and having observed the price of the incumbent firm (and after deducing the loyalty levels in the customer base), chooses its price. The profits of the firms and the surplus of the two customers segments (the segment that utilizes net-based customer service and the segment that does not) are analyzed in the Stackelberg leader-follower model of competition between the firms. We find that an increase in adoption of net-based customer service by the customer base is not always desirable for firms. With low effectiveness in enhancing customer loyalty, firms prefer a high level of customer adoption of net-based customer service, because an increase in adoption rate decreases competition and increases profits. A firm in an industry where net-based customer service is highly effective loyalty mechanism, on the other hand, prefers a low level of adoption by customers.

• 전기학회논문지
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• 제67권7호
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• pp.969-975
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• 2018

The purpose of this study is to develop a healthcare service based on standard protocol and information communication technology for mother's sustainable postpartum care. The developed service was consisted of a client area where mothers measure, manage and transmit their vital signs using their own smartphone and personal health devices, and a server area that manages and shares with the received mother's vital signs and the results of examination results and personal health records. The client area collects vital signs through the IEEE 11073 Personal Health Device (PHD) using the m-health application of the previous study and Continua Health alliance certified personal health devices and transfers to Health Level Seven (HL7) V2.4, Continuity of Care Record (CCR) and Continuity of Care Document (CCD). The server area consists of a mobile web that manages and shares the HL7 Fast Healthcare Interoperability Resources (FHIR)-compliant personal health records to ensure interoperability of examination results, and a mobile web where the postpartum caregiver enters and manages the results of the mother's examination results and provides it to the mother. In this way, the healthcare service of this study securing continued exchanges between the mother and postpartum caregiver improves the quality of life of the mother not only to satisfy the needs of the mother who was discharged but also through self-management and postpartum. In the future, we will conduct a study applying mothers and postpartum caregiver after approval of a clinical trail at a university hospital to evaluate developed healthcare services.