• 지식경영연구
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• 제20권4호
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• pp.99-118
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• 2019

Online financial counseling services are increasingly expanding with the rise of artificial intelligence-based chatbots. It is very important to examine the effects of emoticons noted as alternatives for communicating emotions in online communication between consumers and companies. In this paper, we examine how the use of emoticons affects the consumer's response and investigate the moderating roles of type of counseling agents (human vs. chatbot) and the consumer's subjective financial knowledge. The results show that the use of emoticon in the conversation brings a positive effect on the consumer's intention to use of online chat counseling service. When participants had relatively low subjective financial knowledge, they had higher intention to use online chat counseling services with emoticons only when the agent type was chatbot. When the type of counseling agent was human, this positive effect of the emoticon did not occur. On the other hand, when participants had relatively high subjective financial knowledge, they had higher intention to use online chat counseling service with emoticons only when the agent type was human. This study contributes to providing practical implications to build online chat counseling service using chatbot in the financial industry by studying users' intention depending on the type of agents and the level of their subjective knowledge.

• The Journal of Asian Finance, Economics and Business
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• 제7권11호
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• pp.393-400
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• 2020

Banking service is provided by a bank that allows its customers to conduct banking transactions and so the purpose of this study was to identify the factors that influenced the behavioral intention to accept and use banking services in Vietnam. The research methodology was implemented through two steps: qualitative research and quantitative research. Qualitative research was conducted with a sample of 30 people. Quantitative research was carried out as soon as the question was edited from the test results with a sample of 217 customers living in Ho Chi Minh City, Vietnam. The research model was proposed from the studies of the behavioral intentions to accept and use banking service. The reliability and validity of the scale were evaluated by Cronbach's Alpha, Average Variance Extracted (Pvc), and Composite Reliability (Pc). The model selection of AIC showed that the behavioral intention to accept and use banking service was impacted by four components. The outcomes showed that the model of research intended to accept and use banking services in Ho Chi Minh, Vietnam showing the effects of 4 scales is built as perceived ease of use, trust, social norm, and innovation about banking services.

• 한국콘텐츠학회논문지
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• 제22권10호
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• pp.271-278
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• 2022

마이데이터 서비스는 개인의 금융, 신용 등 데이터를 통합 및 관리해 주는 서비스로, 점차 다양한 분야의 개인 데이터가 통합되면서 개인에게 유용한 정보를 제공해 줄 것으로 기대된다. 마이데이터 서비스의 이용의도에 영향을 미치는 요인을 발견하는 것은 서비스를 이해하는데 매우 중요한 주제이다. 이를 위해 본 연구에서는 마이데이터 서비스의 속성들을 도출하고, 도출된 서비스 속성들을 유사한 것들끼리 묶어 "편리성", "유용성", "보안성", "통제성" 요인을 찾아냈으며, 이 요인들과 마이데이터 서비스의 이용의도와의 인과관계를 연구모형으로 설정하고 분석하는 탐색적 접근 방법을 사용하였다. 분석 결과에 따르면, 마이데이터 서비스 이용의도에는 마이데이터 서비스 속성 요인들 중에, "편리성", "유용성", "통제성"이 유의미한 영향을 주며, "보안성" 은 유의미한 영향을 주지 않는 것으로 나타났다. 특히, "통제성"이 마이데이터 서비스의 이용의도에 가장 큰 영향을 주는 것을 확인할 수 있었다. 본 연구결과에 의하면, 마이데이터 서비스 사업자는 이용자가 자신의 데이터를 통제하고 있다는 인식을 가지도록 하고, 이용자에게 다양한 혜택이 제공될 수 있도록 서비스를 개발할 필요가 있다.

• 한국IT서비스학회지
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• 제18권4호
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• pp.97-113
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• 2019

With the development of sensor, communication and intelligent software technology, expectation of IoT-based service which can receive desired service automatically and anytime, anywhere is getting higher. In addition, IoT-based services have begun to anticipate the development of a hyper-connected society. Despite these expectations and anticipations, few studies have empirically identified ways to improve the intentions of prospective customers to use IoT-based services. Therefore, the purpose of this paper is to propose a theoretical model that can explain the factors that determine the intention of using IoT-based services. In addition, this study investigates what factors affect the intention to use IoT-based services focusing on the connectedness. Especially, perceived connectivity with the (virtual) community, unlike the connectivity with the machines, is newly proposed, to understand the IoT technology adoption behavior. The empirical results suggest that social relationship is one of the critical factors to affect the use of services running on interconnected technology such as IoT. When IoT-based service is recognized as a link to other communities, it has been found to have a positive effect on intention to use via perceived belongingness.

• 한국전자거래학회지
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• 제12권4호
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• pp.145-163
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• 2007

서비스 지향 아키텍처는 느슨하게 연결되고 상호 호환 가능한 서비스들의 결합을 통해 어플리케이션을 구현하는 기술이다. 서비스는 적절한 입도를 갖는 구현된 비즈니스 함수로 정의할 수 있고, 잘 구성된 인터페이스를 통해 외부에 노출된다. 서비스 모델링 단계에서 서비스의 입도(granularity)가 너무 작아지면, 서비스의 재사용성, 유연성이 낮아진다. 이런 서비스 입도의 문제로 인해 도메인 분석 모델로부터 적절한 추상화 레벨을 갖는 서비스를 식별하고 정의하는 것은 매우 중요한 일이다. 본 논문에서는 도메인 분석 모델인 유스케이스 모델로부터 서비스를 식별하기 위한 절차를 제안한다. 유스케이스와 유스케이스 기술서(description)로부터 태스크 트리를 생성하고, 태스크 트리의 분할과 결합을 통해 유스케이스를 재구성한다. 이렇게 재구성된 유스케이스들로부터 서비스를 식별하고, 명세할 수 있다. 본 논문에서 제안하는 방법은 이미 널리 사용되는 UML 유스케이스 모델을 사용하므로 다양한 플랫폼과 도메인에서 서비스 모델링을 위한 개발 시간과 노력을 최소화 할 수 있을 것으로 기대된다.

• 무역상무연구
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• 제51권
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• pp.441-464
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• 2011

It is childhood yet in uTradeHub system practical use. According as company's necessity of cost-saving is increased according to trade terms aggravation such as uncertainty of international money market, commodities prices rise, necessity of e-trade practical use in company is increased. Use is inevitable by state that link with e-Nego and e-B/L service with related presentation e-L/C banks is not made. At the present users are doing specification only service this main point, and practical use activation through public information and marketing about service is needed situation because most of, companies which is not using service, do not know about existence availability of uTradeHub system, usage, availability. This study presented five such as early materialization of user center's link and integration, medium and small enterprises e-trade participation extension, utilization ratio raising through government's public information, e-trade cooperation business activation between the country, electronic documents standardization etc. by prompting competition about practical use of uTradeHub system.

• 한국IT서비스학회지
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• 제8권1호
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• pp.11-27
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• 2009

Recently, IPTV attracts great attention along with the digital convergence of communication and media technologies. This study examined critical factors on the consumer's continued use of the IPTV service. Based on the expectation-confirmation theory and the innovation diffusion theory, we derived nine key factors in the research model-relative advantage, compatibility, ease of use, image, diversity of contents, interactivity, monetary value, social influence, and user satisfaction. Using the partial least square method, we found that content diversity and compatibility have a significant indirect effect on the continued use of the IPTV service via user satisfaction, and user satisfaction and social influence also have a significant direct impact on the IPTV use. These findings not only provide practical insights on the consumer acceptance of new technology-converging services, but also help managers to plan their marketing strategies better.

• 디지털융복합연구
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• 제10권10호
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• pp.545-550
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• 2012

세계 IT 융합산업의 시장은 규모는 더욱 성장할 것으로 예측되며 클라우드 컴퓨팅은 산업간 융합 환경을 지원하기 위한 유용한 솔루션을 제공할 것으로 기대하고 있다. 이와 같이 클라우드 컴퓨팅이 일반화되고 그 서비스가 재편됨으로써 기존의 다른 응용 기술과의 융 복합된 서비스 구조 및 형태를 예측하고 개발하는 것은 매우 중요하며 필수적인 일이다. 본 연구에서는 클라우드 서비스를 위한 기술 요소뿐만 아니라 효율적인 서비스 모델링을 위하여 지금까지 많은 시스템들이 구축에 활용되었던 유즈 케이스(Use Case)를 활용하여 다양한 융 복합 서비스 모델을 위한 요구사항 및 요소기술을 도출하고 분석하였다. 이를 통하여 실제로 융 복합 클라우드 서비스를 개발하기 위한 사례연구를 수행하였다. 궁극적으로 본 연구는 유즈 케이스 기반의 영역간의 서비스 통합을 통하여 새로운 부가 가치를 창출할 수 있는 다양한 융 복합 모델을 제시를 위한 기반자료로써 활용되길 기대한다.

• 한국응급구조학회지
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• 제12권1호
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• pp.5-15
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• 2008

Purpose : Centering on users(patients) who are offered the patient transport service by the emergency medical service system in our country, the use and satisfaction are analyzed with the transport service in 119 Emergency Medical Service System and Private transport agent. Results : 1. As for personnel in ambulance cars, 119 emergency staff showed a higher boarding rate of the first-class emergency medical technicians than private transportation centers : 48.4% and 17.7%, respectively. 2. Private transportation centers showed higher user satisfaction with transportation service than 119 emergency staff, which was not statistically significant. 3. As for the case that needs to receive the transport service in the future, the ratio with the will to use 119 Emergency Medical Service System(70.9%) was indicated to be much higher than the ratio of the private transport agent(29.1%). Suggestions : First, Centers transporting first-aid patients should essentially secure a sufficient number of first-class emergency medical technicians as professional emergency medical staff to reinforce qualitative improvement in emergency medical service. Second, It is necessary to establish a systematic monitoring system and develop educational programs in order to enhance satisfaction with the use of 119 emergency staff. Third, the government or the local government needs to positively support and guide the private transport agent, which is in charge of the public medical service.

• 보건행정학회지
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• 제28권4호
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• pp.339-351
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• 2018

Background: The purpose of this study is to estimate empirically whether there is a difference in medical use among income groups, and if so, how much. This study applies econometric model to the most recent year of Korean Medical Panel, 2015. The model consists of outpatient service and inpatient service models. Methods: The probit model is applied to the model which indicate whether or not the medical care has been used. Two step estimation method using maximum likelihood estimation is applied to the models of outpatient visits, hospital days, and outpatient and inpatient out-of-pocket cost models, with disconnected selection problems. Results: The results show that there was the inequality favorable to the low income group in medical care use. However, after controlling basic medical needs, there were no inequities among income groups in the outpatient visit model and the model of probability of inpatient service use. However, there were inequities favorable to the upper income groups in the models of probability of outpatient service use and outpatient out-of-pocket cost and the models of the number of length of stay and inpatient out-of-pocket cost. In particular, it shows clearly how the difference in outpatient service and inpatient service utilizations by income groups when basic medical needs are controlled. Conclusion: This means that the income contributes significantly to the degree of inequality in outpatient and inpatient care services. Therefore, the existence of medical care use difference under the same medical needs among income groups is a problem in terms of equity of medical care use, so great efforts should be made to establish policies to improve equity among income groups.