• 지식경영연구
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• 제10권4호
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• pp.1-15
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• 2009

국내에서 신용카드는 대표적인 지불 수단으로 정착되었으며 신용카드의 사용자와 신용카드의 발급 매수는 이미 포화상태에 도달해 있다. 이 같은 양적 성장은 정부의 신용카드 활성화 정책과 더불어 신용카드사 간의 과당 경쟁의 영향에 기인하고 있다. 신용차드의 사용층은 대부분의 성인 남녀로 확대되었으며, 특히 복수의 신용카드 소지자를 대상으로 자사가 발급한 신용차드를 사용하게 하기 위한 신용카드사 간의 경쟁이 치열한 상황이다. 이에 따라 신용카드사들이 경쟁사의 카드사용 회원을 자사의 회원으로 확보하는 젓이 불가피하며 마찬가지로 사용 중인 자사의 회원이 경쟁사로 이동하지 않도록 사전에 이탈 징후를 포착하여 유지 캠페인을 수행하는 것이 신용카드사 마케팅의 주요 활동이 되었다. 선행연구에서는 신용카드 회원의 이탈과 관련하여 다양한 데이터마이닝 기법을 이용한 이탈의 특성 분류 연구가 진행되었다. 본 연구는 회원 이탈에 영향을 주는 요인을 효과적으로 발견하기 위한 방법으로 베이지안 네트워크(Bayesian Network)를 활용한다. 특히, 베이지안 네트워크의 일종인 일반 베이지안 네트워크(General Bayesian Network)를 이용하여 회원의 이탈요인에 영향을 주는 요인들의 집합인 마코프 블랭킷(Makov Blanket)을 도출한다. 한편, 마코프 블랭킷에 포함된 변수를 이용해 민감도 분석을 수행하여 영향이 큰 요인을 찾아내고 이를 비즈니스 프로세스에 적용하여 실무적인 의의를 실증하고자 한다.

• 한국식생활문화학회지
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• 제14권5호
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• pp.487-495
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• 1999

The objectives of this study were to analyze customer satisfaction by operational characteristics in business & industry foodservice operated by contracted foodservice management company. The instruments were developed by reviewing literatures on customer satisfaction and by intervewing with managers, employers and customers. A total of 1000 questionnaires were hand delivered at the ten contracted foodservice operations by designated coordinators. A total of 833 questionnaires were usable; resulting in an 83.3% response rate. Statistical data analysis was completed using the SAS 6.04 for description, T-test, ANOVA. Overall customer satisfaction score for office building foodservice was significantly higher than those for manufacturing company foodservice. As for the type of management contracts, overall customer satisfaction score for management fee contracts was significantly higher than those for profit and loss contracts. With regard to payment method, overall customer satisfaction score for meal card was higher than those for POS system. Concerning the categories of service, overall customer satisfaction for combo-tray service was higher than those for cafeteria-tray service and partially self-service. As for types of menus, the score of overall customer satisfaction was not significantly different between cafeteria menu and double choice menu.

• 한국정보과학회논문지:소프트웨어및응용
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• 제32권6호
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• pp.486-501
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• 2005

XPDL(XML Process Definition Language)은 프로세스 정의 교환을 위하여 WfMC에서 제안한 XML 기반 언어이다. 본 논문에서는 워크플로우 프로세스의 정의와 교환을 위하여 XPDL 문서의 구조(Schema)를 UML 다이어그램으로 모델링하여 기업들 간의 상호연동과 협업을 위한 업무흐름 파악을 용이하게 하는 모델을 제안한다. 이를 위해 XPDL 문서를 UML의 클래스 다이어그램과 액티비티 다이어그램으로 변환하는 사상 규칙을 정의하여, XPDL 프로세스 메타모델(Meta-Model)를 구성하는 각 엘리먼트는 클래스 다이어그램으로 모델링하고, 프로세스 액티비티(Process Activity)는 액티비티 다이어그램으로 모델링하는 기법을 제안한다. 또한 제안된 기법을 "신용 카드 상태 체크 시스템"의 워크플로우에 대한 XPDL 문서을 적용하여 제안된 기법의 유효성을 검증한다.

• 한국경영과학회지
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• 제26권3호
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• pp.21-37
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• 2001

Riding on the wave of the information technology revolution, a slow of internet venture businesses (IVB) came into being. Hence, one of the recent developments in Korean capital market has been the proliferation of IVB, which is in accordance with the worldwide trend of ‘new economy’. Although the fair valuation is crucial for the nourishment of IVB, it is difficult to apply traditional valuation methods to these firms without reservation. It is due to the facts that most venture firms have little records of performance, grow unprecedently fast, and have highly uncertain future. The main purpose of this study is to suggest performance evaluation system of IVB and to develop KPE (Key Performance Indicators). Our empirical study is based upon Kaplan & Norton’s Balance Scorecard (BSC) approach. Specifically, our research has been conducted by the following two subsequent procedures: Firstly, seven internet venture firms have been selected and their executives have been interviewed by FGI(Focus Group Interview) method. Based upon these results, performance indicators have been developed. Secondly, by using the above mentioned BSC items (i.e., financial perspective, customer perspective, internal perspective and innovation & learning perspective), questionnaires have been constructed and sent to IVB through e-mail as well as over the Fax. Among the collected 110 samples, reliable 106 samples have been used to build BSC model and to draw our conclusion. In the future study, it would be much better to consider the role of strategy in IVB and the causal relationship among Key Performance Indicators of BSC.

• The Journal of Asian Finance, Economics and Business
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• 제7권10호
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• pp.231-240
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• 2020

E-commerce development led to the explosion of online payment. Consumers have many choices when deciding on the online payment method for each transaction. Using a combination of both qualitative and quantitative methods with the help of SPSS AMOS version 22.0, the article explores the factors that influence consumers' online payment method decision behavior in Vietnam. Research results show that awareness of usefulness, awareness of risk, awareness of trust, awareness ease of use, product uncertainly perception and perceived behavioral control have effects on the behavior of deciding on online payment methods. Awareness of risk has the strongest negative impact on online payment method decision behavior and awareness of usefulness has the strongest positive impact on online payment method decision behavior. Based on these important results, the article proposes a number of implications: (i) continuing to invest and upgrade modern technology to ensure customer information absolutely confidential; (ii) converting all ATM cards on the market to EMV chip standard card technology; (iii) improving service activities, quickly handle things to create confidence for customers; (iv) credit institutions operating in the field of online payment linked to e-commerce sites, supermarkets, convenience stores, restaurants must ask partners to increase transparency for the products.

• 농업과학연구
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• 제32권1호
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• pp.95-106
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• 2005

This study was focused on analyzing the impacts of e-commerce on the farmer's management behavior and suggesting alternatives for the development of e-commerce in agricultural industry. For this study, survey was conducted for 24 farmers who sell agricultural products through e-commerce in Chungnam province. The results of study are as follows; First, farmers have changed their management practices in terms of production, marketing and processing by using the information of consumers' preferences while doing e-commerce business. Second, farmers have attempted to differentiate their product through product brand and customer relationship marketing, because they recognized the importance of developing marketing techniques adapted to e-commerce system for more revenues. Third, if quality certification system of agricultural products is introduced under e-commerce, farmers would use it for their environmentally sounded farming because they expect to increase their income. Fourth, 75% of the farmers sold their product at retail price. It means that e-commerce farmers act as a price maker rather than price taker at e-commerce market, who will be encouraged to have larger business size resulting in more added value. Based on the results of study, we suggest that there should be reduction of service charge for credit card, and encouragement of B2B transaction for the economy of scale and introduction of quality certification system so as to establish e-commerce system of agricultural industry as soon as possible.

• The Journal of Asian Finance, Economics and Business
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• 제8권11호
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• pp.297-305
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• 2021

The study aims to investigate loyalty rewards programs on customers' satisfaction in Jordanian banks, and to investigate the statistical differences in loyalty rewards programs and customers' satisfaction according to demographics such as age, sex, education level, duration of engagement with bank, and the type of bank. The study is based on the data obtained from the sample. The questionnaire is the tool for collecting data from the respondents. The study materials include website resources, regular books, journals, and articles. The study population consists customers in the banking sector. The figures indicate that number of actual customers reaches 2.06 million. The sample size requirement is 386 items. Customers are split between traditional and Islamic banks, with 231 and 155 customers respectively. The stratified random sampling technique and the structural equations modeling methodology were used. The results show moderated impact of the loyalty rewards programs on customers' satisfaction. The results show statistical differences in the loyalty rewards programs and customers' satisfaction according to the engagement period with the bank only. The findings suggest better managing the loyalty programs and developing one credit card for all banks in Jordan.

• 무역학회지
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• 제45권1호
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• pp.241-257
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• 2020

Globally, Fintech, which acts to replace existing intranational payment methods, is actively used, and such Fintech payments are widely accepted in international B2C trade. However, Fintech for B2B trade has not been released to the market thus far, and previous attempts at electronic international payment systems, such as Bolero, TradeCard, and Identrus, have not succeeded, and most of them have completely disappeared. On the other hand, there are continuing attempts to introduce Fintech technologies such as blockchain to international payments, and these attempts are more widely pursued in foreign countries. If international payments using Fintech are marketed through foreign services and such Fintech services become the de-facto standard for international payments, then Korea in which dependency on international trade is high will be vulnerable due to a dependency on foreign services such as relying on foreign SNS platforms like Facebook and Instagram. Therefore, this paper proposes a business model that can be used as a legitimate B2B trade international payment system on the basis of domestically provided services, focusing on various services afforded by K-SURE, which is the Korea Trade Insurance Corporation.

• 무역상무연구
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• 제13권
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• pp.1033-1055
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• 2000

Almost business enterprises have recently used electronic commerce to conduct their business. Electronic commerce has come to encompass the Internet as well as EDI on private networks begun in the 1960s. The Internet is already changing the way that many companies conduct their business. Domestic electronic commerce has rapidly enhanced, while Int'l electronic commerce has gone steady. There are four issues for developing of Int'l Electronic Commerce. Firstly, The EDI Standardization is to be uniformed and prevailed over the world in UN/EDIFACT authorized by ISO. Secondly, There are two useful systems on Electronic Document Transmission, so called, Bolero project system and Trade Card System. It is thought that Bolero system will be more useful for large trading enterprises, especially, who need a Letter of Credit and electronic B/L, while T/C system is proper to small trade companies who do not need those. Successful results of Bolero system is very important for Int'l electronic commerce enterprises. Thirdly, to secure electronic signature, Int'l Certification Authority is essential for the users of Int'l electronic commerce. Trusted way of distributing public keys is to use a Int'l Certification Authority. The Int'l Certification Authority will accept user's public key, along with some proof of identity and serve as a depository of digital certificates. Both governments and the International business community must involve archiving keys with trusted third parties. Finally, It is important that all the nations and UNCITRAL continue efforts to make legal bases in Int'l electronic commerce concerned, including electronic signature, certification etc.

• Spatial Information Research
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• 제11권2호
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• pp.171-184
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• 2003

최근 마케팅이나 기업전략 수립분야에서 비지니스 GIS를 적용하기 위한 다양한 응용시스템이 개발되고 있다. 이 중 대부분이 의사결정지원을 위한 정보로서 지리공간상에서의 상권이라고 하는 특정 범위에 대한 통계정보의 산출을 요구한다. 기존에 상권범위의 정의는 대부분 개별점포에 대해 경험치를 적용하여 이루어져 왔으며, 특정업종이나 소비자 상권과 같은 일반적인 의미의 상권을 정의하는 객관적인 방법이 제시되지 않았다. 본 연구에서는 비지니스 GIS 분야에 축적된 점사상 정보에 공간 데이터마이닝 기법을 적용하여 상권의 범위를 추출할 때, 기법 간의 장단점을 비교분석하고, 상권추출의 타당성을 검증하고자 하였다. 본 연구의 결과 점사상으로 사용된 카드사 가맹점 데이터와 소매체인 회원의 정보를 이용하여 상권의 추출이 가능하며, DENCLUE(DENsity-based CLUstEring) 기법이 적합한 공간 데이터마이닝 기법임을 알 수 있었다.