• Journal of Service Research and Studies
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• v.13 no.2
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• pp.99-113
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• 2023

In a customer-based industry, customer retention is the competitiveness of a company, and improving customer retention improves the competitiveness of the company. Therefore, accurate prediction and management of potential dormant customers is paramount to increasing the competitiveness of the enterprise. In particular, there are numerous competitors in the domestic card industry, and the government is introducing an automatic closing system for dormant card management. As a result of these social changes, the card industry must focus on better predicting and managing potential dormant cards, and better predicting dormant customers is emerging as an important challenge. In this study, the Recurrent Neural Network (RNN) methodology was used to predict potential dormant customers in the card industry, and in particular, Long-Short Term Memory (LSTM) was used to efficiently learn data for a long time. In addition, to redefine the variables needed to predict dormant customers in the card industry, Unified Theory of Technology (UTAUT), an integrated technology acceptance theory, was applied to redefine and group the variables used in the model. As a result, stable model accuracy and F-1 score were obtained, and Hit-Ratio proved that models using LSTM can produce stable results compared to other algorithms. It was also found that there was no moderating effect of demographic information that could occur in UTAUT, which was pointed out in previous studies. Therefore, among variable selection models using UTAUT, dormant customer prediction models using LSTM are proven to have non-biased stable results. This study revealed that there may be academic contributions to the prediction of dormant customers using LSTM algorithms that can learn well from previously untried time series data. In addition, it is a good example to show that it is possible to respond to customers who are preemptively dormant in terms of customer management because it is predicted at a time difference with the actual dormant capture, and it is expected to contribute greatly to the industry.

• Journal of Service Research and Studies
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• v.6 no.1
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• pp.29-50
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• 2016

The purpose of this study is to identify the motivation of using and choosing factors in credit cards. These results indicate that considerate of other people factor may emphasize the convenience and safety in using credit cards, while the leisure factor may prefer the real-worth factor as they know that the more they use, the more benefits they would get. As the personality factor and the fashion factor, we can pay much attention to the advertisements, promotions, card designs, the colors, the characters and the social positions of the card holders and that considerate other people factor may like the low annual fees and the accumulating points, buying items on the installments without paying additional interest, which had offered them cash service and card loan. The authors of this paper has suggested an information by which credit card companies can establish the strategies according to the lifestyle of the elderly in silver business market.

• Journal of the Korea Society of Computer and Information
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• v.15 no.11
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• pp.225-231
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• 2010

Transaction value of business-to-business(B2B) is composed of various factors for groups and time series. In this paper, we use the panel data for finding various variables and using this we analyse the factors that is major influence to transaction value of business-to-business. For analysis we looked at transaction value of business-to-business of 7 groups such as manufacturing industry, electric, gas and piped water industry, construction industry, retail & wholesale trade, traffic industry, publish, image; broad-casting & telecommunication and information service industry, etc. In our analysis we looked at the transaction value of business-to-business during the period from 2005.01 to 2009.12. We examined the data in relation to the transaction value of cyber shopping mall, company bond, composite stock price index, transaction value of credit card, loaned rate of interest in deposit bank, rate of exchange looking at the factors which determine the transaction value of business-to-business, evidence was produced supporting the hypothesis that there is a significant positive relationship between the transaction value of cyber shopping mall, composite stock price index and loaned rate of interest in deposit bank, rate of exchange. The company bond is negative relationship, transaction value of credit card is positive relationship and they are not significant variables in terms of the transaction value of business-to-business.

• The Journal of Society for e-Business Studies
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• v.18 no.3
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• pp.211-222
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• 2013

Discovering zones which a1re sets of geographically adjacent regions are essential in sophisticated urban developments and people's movement improvements. While there are some studies that separately focus on movements between particular regions and zone discovery, they show limitations to understand people's movements from a wider viewpoint. Therefore, in this research, we propose a clustering based analysis method that aims at discovering movement patterns, which involves zones and their relations, based on a big data of smart card transaction systems. Moreover, the effectiveness of discovered movement patterns is quantitatively evaluated by using the proposed metrics. By using a real-world dataset obtained in Seoul metropolitan subway networks, we investigate and visualize hidden movement patterns in Seoul.

• Management & Information Systems Review
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• v.14
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• pp.151-180
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• 2004

Owing to the digital revolution, Internet Commerce and Electronic commerce, revolutionize the way of doing business and making payment. The entrance of the Internet has a prominent for spread of Electronic Commerce and those phenomenons will result in paperless trading and cashless trade. By virtue of Internet, an increasing share of business transactions occurs online. Electronic payment is essential for the smooth progress of the electronic commerce as electronic payment plays the important role in the electronic commerce, that is, the value transfer restyling from the electronic commerce. Traditionally international settlement systems such as letters of credits, remittance and documentary collections operated as important and poplar method of payment, Now, information technology has made it possible to pay for the sale of goods and services over the internet. In international trade, there are service providers (bolero, TradeCard, BeXcom) to settle payment electronically through the Internet. The purpose of this study is to Conduct comparative analysis with approach manner functional respect systematic respect, role. It is shown which the Electronic payment system is better. In this study, the author attempts to find the problems is (bolero, TradeCard, BeXcom) and solutions in switching from the documentary payment system to the electronic one. This conclusion of this study can be summarized as followings. In resoect of the law, bolero should seek to prevert the users from being treated unfairly due to multilateral agreement on Rulebook. TradeCard, BeXcom do not have the proper law that users are governed. so far as the practice problems concerned, stability of computer's operation and security of message interchange should be warranted and improved continuously. Through the standardization of the electronic document and the development of software, the examination of the shipping occuments must be done automatically. Bolero should induce more banks to take part in Bolero, and make the carrier the cost and time in managing the traditional document which will be used for the time being. In respect of information technology and security, to deduce the risk in the electronic settlement system and positively uses the global authentication guideline(Identrus).

• The Journal of Information Technology
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• v.7 no.2
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• pp.77-92
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• 2004

Global Electronic Trading means that trading partners trade each other via Global Electronic Trading Network, that is, global business to business electronic commerce. Electronic payment systems are how to make payment electronically in manner that is efficient, reliable, and secure. I suggest the Electronic payment systems such as TradeCard and SWIFT enable seller and buyer to conduct and settle international B2B electronic commerce in case of solving the above problems. And, where the cargo arrives ahead of the B/L, the importer cannot take delivery of the cargo without the B/L. This situation is referred to as the B/L dilemma. But the BOLERO system will resolve this B/L dilemma. Bolero Project is developing a cross industry utility platform for the secure, electronic transfer of commercial trade information world wide.

• Journal of Korean Society for Quality Management
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• v.46 no.4
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• pp.1015-1028
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• 2018

Purpose: This study attempts to find how the cultural marketing activities utilizing cultural space affect firm's brand image and brand loyalty, and whether this culture marketing technique is recognized as a social contribution activity by potential customers and thereby influence brand image and loyalty. Methods: The data was collected by using the structured questionnaires to consumers who have experience using the Naver Library, Starfield Library, and Hyundai Card Library. The proposed research model is tested using 178 valid questionnaires using Smart PLS 2.0. Results: This research indicated that among cultural marketing factors, cultural support and cultural promotion have little impact on brand image, whereas culture firm influence brand image. Brand image also had an impact on brand loyalty, but it was found that public libraries operated by companies were not recognized as corporate social contribution activities, nor did they have an impact on the formation of the company's brand image. Conclusions: The study offered a theoretical and empirical foundation for future research by empirically identifying the relationship between cultural marketing and brand image and loyalty and confirmed the coordinating effect of social contribution activities between a cultural firm and its brand image.

• The Journal of Asian Finance, Economics and Business
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• v.8 no.4
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• pp.949-958
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• 2021

This study aims to develop a theoretical model in order to determine factors affecting consumer intention to use credit cards by combining Theory of perceived risk and Technology acceptance model. Despite of perspective of consequences in prior studies on related research fields, this study focuses on the sources of perceived risk, including transaction, payment and credit risks, which are proposed and measured in a preliminary research. A measurement model and a structural model with the presence of perceived risk in sources are tested in a formal research with data collected from 538 bank customers. An analysis results show that payment risk, usefulness, transaction risk, ease of use, and credit risk influence significantly Vietnamese consumers' intention to use credit cards in decreasing order of influence. These factors account for 64.6% of the variation in intended use. All three dimensions of perceived risk have a negative effect on the intention to use, with the total impact greater than the level of influence of the other two factors of usefulness and ease of use. These findings can be beneficial to banks in enacting policies to attract more consumers and to allocate resources for improving their credit card business.

• Proceedings of the Korea Information Processing Society Conference
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• 2023.05a
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• pp.745-747
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• 2023

깃허브는 개발자의 명함이라는 말이 있듯, 많은 수의 개발자들이 깃허브를 활용해 자신의 개발 이력과 프로젝트들을 관리한다. 이를 위해 기존의 깃허브 정보 요약 서비스들이 제공되어졌으나, 정보 공유의 불편함과 많은 정보를 담지 못한다는 불편함이 존재했다. 본 논문에서는 이러한 불편함을 해소하기 위해 서버 기반의 깃허브 웹 명함 제작 및 멀티플랫폼에서의 서비스를 기반으로 한 효율적인 개발자 명함 생태계 구축을 제안한다. 본 서비스에서는 Next.js 기술을 활용한 한 명함 제작 및 웹, 앱 클라이언트를 통한 명함 관리 기능을 제공한다. Github oauth를 통해 인증된 정보를 바탕으로 Next.js를 활용해 사용자에 대한 정보를 정해진 형식으로 요약한 명함을 제작한다. 제작된 명함은 웹 / 앱 플랫폼을 기반으로 관리되며, 추가적으로 명함의 공유 및 저장 기능을 수행한다. 이를 통해, 명함 공유를 바탕으로 한 개발자 네트워크 형성을 목표로 한다.

• Journal of Information Technology Services
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• v.12 no.2
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• pp.387-410
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• 2013

Due to the development of information technology, Convergence and Creative Economy became hot issues. For example, products become more intelligent and services are likely to be connected and integrated around core services or provided as bundle solution. Meanwhile products and services are integrated in the context of mutual supplementation, which leads to Servitization of Products and Productization of Services in many industries. Previous studies have addressed Convergence with different terms and definitions such as Convergent, Multicategory Multifunctional Product, Clouding Service, Bundle and so on from one perspective such as consumers, suppliers or technology according to a wide range of academic approaches. Thus, this study attempted to suggest the most typical convergence products released in the convergence environment and categorize those products. Furthermore, this study has pointed out the problems in the New Product Development Framework discussed in the studies on marketing by taking the situation of the public sector into account and then suggested "New Service Development Framework in the Public Sector" that are different from traditional e-Gov. approach basically and will enable the government to create public information service and provide them to enterprises or citizens. It also emphasized the importance of Business Conceptualization Stage in the framework; argued that there is a necessity of an integrative study from the perspective of technology on the basis of the approach from the perspective of marketing and Policy such as a study of consumer behaviors, design and marketing channel and Policy Integration for the development and dissipation; and furthermore suggested the cases-the development/Diffusion of Transportation Card Service in Seoul and CFC (Call for Collaboration) in Singapore-in order to verify the framework. There is a need to supplement New Service Development Framework so it is able to reflect the distinct characteristics of the public sector from the academic perspective and be used as practical guidelines for SI (System Integration) business to shift into IT Service business. Last but not the least, this study has suggested the limitations and the directions for the future studies.