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Mediated Effect of Mobile Financial Crime Fear on the Relationship between Mobile Financial Crime Vulnerability Perception and Mobile Financial Using (모바일금융범죄 취약성인식과 모바일금융 사용 간의 관계에서 모바일금융 범죄두려움의 매개효과)

  • Kwon, Joon-Sung;Gong, Jung-Sik
    • The Journal of the Korea Contents Association
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    • v.20 no.4
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    • pp.305-314
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    • 2020
  • Mobile environment is relatively free from time and space constraints, and has unique characteristics such as not applying physical and social vulnerability because of it's non-face-to-face channel. Since such spatial and temporal speciality is likely to appear in a different form from psychological action and action in a general face-to-face environment, it is necessary to conduct an empirical study based on the results of the existing research that has been studied as major psychological variables of action in mobile environment. However, advance research have not been conducted in earnest on the vulnerability and anxiety of the consumers in a new environment called mobile finance. so this study intends to establish the basis through empirical research. As a result, women among traditional vulnerable groups perceived themselves to be vulnerable in mobile financial environments than men and felt fear of crime strongly. In addition, the vulnerability of mobile financial crime did not have a significant direct effect on mobile financial use, but it was confirmed that mobile crime fear was mediated completely and had an indirect effect on mobile financial use.

A Study on the Educational Training Evaluation Model - Focusing on Call Center (교육훈련 평가모형에 관한 연구 - 콜센터를 중심으로)

  • Kim, Eun-Hee;Park, Deuk
    • Journal of the Korea Society of Computer and Information
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    • v.17 no.10
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    • pp.185-192
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    • 2012
  • Call Center requires an ability of agents a lot more than face-to-face contact due to being achieved communication by non face-to face channel for contact with customers. In order to improve the ability of agents, Call Center carries out various educational training according to their work experience and function and with the accomplishment of educational training, Call Center is going to fulfill to develop its quality of counseling and productivity. On the other hand, due to investment of a lot of time and budget to educational training, it is needed to grasp and manage about its effectiveness that how helpful the training is for performance of work-site operations through evaluation of educational training. Having Seen researches about evaluation of educational training until these days, most researches have mainstream to measure satisfaction and a level of learning or degree that how the learning transfers to actions. It is found that a research about an entire evaluation model should be required. This study aims to investigate effectiveness of Call Center educational training from the level of recognition by reflecting Kirkpatrick's the four levels of learning evaluation. By the four levels, reaction, learning, behavior and results, the study found out a connection with standards of evaluation about each levels. In addition, by using structural equation modeling, it was examined goodness of fit about the entire model. Furthermore, by an alternative model, considering a direct relation between a factor of reaction and behavior, it was compared and examined goodness of fit of overall model of the study model and the alternative one.

The Impact of Market Environments on Optimal Channel Strategy Involving an Internet Channel: A Game Theoretic Approach (시장 환경이 인터넷 경로를 포함한 다중 경로 관리에 미치는 영향에 관한 연구: 게임 이론적 접근방법)

  • Yoo, Weon-Sang
    • Journal of Distribution Research
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    • v.16 no.2
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    • pp.119-138
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    • 2011
  • Internet commerce has been growing at a rapid pace for the last decade. Many firms try to reach wider consumer markets by adding the Internet channel to the existing traditional channels. Despite the various benefits of the Internet channel, a significant number of firms failed in managing the new type of channel. Previous studies could not cleary explain these conflicting results associated with the Internet channel. One of the major reasons is most of the previous studies conducted analyses under a specific market condition and claimed that as the impact of Internet channel introduction. Therefore, their results are strongly influenced by the specific market settings. However, firms face various market conditions in the real worlddensity and disutility of using the Internet. The purpose of this study is to investigate the impact of various market environments on a firm's optimal channel strategy by employing a flexible game theory model. We capture various market conditions with consumer density and disutility of using the Internet.

    shows the channel structures analyzed in this study. Before the Internet channel is introduced, a monopoly manufacturer sells its products through an independent physical store. From this structure, the manufacturer could introduce its own Internet channel (MI). The independent physical store could also introduce its own Internet channel and coordinate it with the existing physical store (RI). An independent Internet retailer such as Amazon could enter this market (II). In this case, two types of independent retailers compete with each other. In this model, consumers are uniformly distributed on the two dimensional space. Consumer heterogeneity is captured by a consumer's geographical location (ci) and his disutility of using the Internet channel (${\delta}_{N_i}$).
    shows various market conditions captured by the two consumer heterogeneities.
    (a) illustrates a market with symmetric consumer distributions. The model captures explicitly the asymmetric distributions of consumer disutility in a market as well. In a market like that is represented in
    (c), the average consumer disutility of using an Internet store is relatively smaller than that of using a physical store. For example, this case represents the market in which 1) the product is suitable for Internet transactions (e.g., books) or 2) the level of E-Commerce readiness is high such as in Denmark or Finland. On the other hand, the average consumer disutility when using an Internet store is relatively greater than that of using a physical store in a market like (b). Countries like Ukraine and Bulgaria, or the market for "experience goods" such as shoes, could be examples of this market condition. summarizes the various scenarios of consumer distributions analyzed in this study. The range for disutility of using the Internet (${\delta}_{N_i}$) is held constant, while the range of consumer distribution (${\chi}_i$) varies from -25 to 25, from -50 to 50, from -100 to 100, from -150 to 150, and from -200 to 200.
    summarizes the analysis results. As the average travel cost in a market decreases while the average disutility of Internet use remains the same, average retail price, total quantity sold, physical store profit, monopoly manufacturer profit, and thus, total channel profit increase. On the other hand, the quantity sold through the Internet and the profit of the Internet store decrease with a decreasing average travel cost relative to the average disutility of Internet use. We find that a channel that has an advantage over the other kind of channel serves a larger portion of the market. In a market with a high average travel cost, in which the Internet store has a relative advantage over the physical store, for example, the Internet store becomes a mass-retailer serving a larger portion of the market. This result implies that the Internet becomes a more significant distribution channel in those markets characterized by greater geographical dispersion of buyers, or as consumers become more proficient in Internet usage. The results indicate that the degree of price discrimination also varies depending on the distribution of consumer disutility in a market. The manufacturer in a market in which the average travel cost is higher than the average disutility of using the Internet has a stronger incentive for price discrimination than the manufacturer in a market where the average travel cost is relatively lower. We also find that the manufacturer has a stronger incentive to maintain a high price level when the average travel cost in a market is relatively low. Additionally, the retail competition effect due to Internet channel introduction strengthens as average travel cost in a market decreases. This result indicates that a manufacturer's channel power relative to that of the independent physical retailer becomes stronger with a decreasing average travel cost. This implication is counter-intuitive, because it is widely believed that the negative impact of Internet channel introduction on a competing physical retailer is more significant in a market like Russia, where consumers are more geographically dispersed, than in a market like Hong Kong, that has a condensed geographic distribution of consumers.
    illustrates how this happens. When mangers consider the overall impact of the Internet channel, however, they should consider not only channel power, but also sales volume. When both are considered, the introduction of the Internet channel is revealed as more harmful to a physical retailer in Russia than one in Hong Kong, because the sales volume decrease for a physical store due to Internet channel competition is much greater in Russia than in Hong Kong. The results show that manufacturer is always better off with any type of Internet store introduction. The independent physical store benefits from opening its own Internet store when the average travel cost is higher relative to the disutility of using the Internet. Under an opposite market condition, however, the independent physical retailer could be worse off when it opens its own Internet outlet and coordinates both outlets (RI). This is because the low average travel cost significantly reduces the channel power of the independent physical retailer, further aggravating the already weak channel power caused by myopic inter-channel price coordination. The results implies that channel members and policy makers should explicitly consider the factors determining the relative distributions of both kinds of consumer disutility, when they make a channel decision involving an Internet channel. These factors include the suitability of a product for Internet shopping, the level of E-Commerce readiness of a market, and the degree of geographic dispersion of consumers in a market. Despite the academic contributions and managerial implications, this study is limited in the following ways. First, a series of numerical analyses were conducted to derive equilibrium solutions due to the complex forms of demand functions. In the process, we set up V=100, ${\lambda}$=1, and ${\beta}$=0.01. Future research may change this parameter value set to check the generalizability of this study. Second, the five different scenarios for market conditions were analyzed. Future research could try different sets of parameter ranges. Finally, the model setting allows only one monopoly manufacturer in the market. Accommodating competing multiple manufacturers (brands) would generate more realistic results.

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  • Knowledge Sharing in the New World of Work : Effects of the New Way of Working

    • de Kok, Arjan;Esten, Roel;Helms, Remko W.
      • Journal of Information Technology Services
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      • v.14 no.2
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      • pp.315-335
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      • 2015
    • The New Way of Working (NWOW) is changing the world in which we work today. The principles of NWOW are based on freedom of time and place to work, and steering on output (results) instead of input (presence). As NWOW is a relatively new phenomenon, research on the effect of NWOW on knowledge sharing in organizations is scarce. In this research two multiple-case studies were performed to investigate the effect of the New Way of Working on knowledge. In the first study (A) different knowledge sharing scenarios were used at organizations that were in the process of implementing NWOW. This provided the opportunity to compare the sharing of knowledge between 'NWOW workers' and employees that still worked in the traditional way (non-NWOW workers). In total 216 scenario results were evaluated to determine differences in channel choice between the traditional and new work environment. For the second study (B) a Knowledge Sharing Framework was developed, based on the theories of Nonaka and Alavi & Leidner. This framework was used to determine the type of knowledge shared, e.g. tacit or explicit knowledge, in 84 situations. Additionally, to measure the level of NWOW adoption, a NWOW Analysis Monitor was used. The results show that NWOW workers use more different communication channels than traditional workers. When knowledge workers become more mobile, they will exchange knowledge less explicit (codified) and more tacit (personalized), use less face-to-face communication, but more video calls and e-mail. The adoption of the principles of NWOW seems to have a balancing effect on the knowledge that is shared in a tacit and explicit way, which in the view of Scheepers et al. is an effective knowledge sharing strategy. The research results show organizations need to realize that the New World of Working is affecting the way knowledge is shared. Missing out on this development may result in the loss of important knowledge and impact the operation of organizations.

    A Design and Application of a Web-Based Counseling system (웹 기반 상담시스템의 설계와 적용)

    • Bae, Eun-Hee;Moon, Gyo-Sik
      • Journal of The Korean Association of Information Education
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      • v.5 no.3
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      • pp.329-336
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      • 2001
    • This paper addresses the issue of design and application of a Web-based counseling system of which purpose is to facilitate counseling so that students can freely express their personal problems and get professional helps through the system. The prominent features of the counseling system are that the system encourages students to involve actively in interactive process, and it helps them to create genuine interests out of disbelief or uneasiness towards counseling, and it helps them to create positive attitude towards counseling. To do that, counseling process should meet the requirement of confidentiality in order to build trust between counselor and counselee. Many counseling sites operated by various organizations utilize E-mail as a communication channel for confidentiality purpose, which is likely to end up with single occasions in which desirable relationships for counseling can hardly be established. To solve the above-mentioned problem, a closed, confidential, Web-based counseling system was built on a Web server so that trustful relationship can be accomplished through a confidential, Web-based counseling system. Also, the result of applying it to a local elementary school is stated. Thanks to the merits of personalized, confidential counseling system compared to the face-to-face counseling, surpassing the limitation of time and space and overcoming the fearfulness, it was well observed that students showed great interests in participation of conseling.

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    A Study for Enhancing Efficiency in PUS Contents Development (일반인을 위한 과학대중화 콘텐츠 개발의 효율성 제고 방안)

    • Shon, Hyang-Koo
      • The Journal of the Korea Contents Association
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      • v.16 no.2
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      • pp.117-128
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      • 2016
    • The growing socio-economic effect caused by science and technology requires public to participate in policy-making process, which makes government to boost public understanding of science(PUS). Government has also exerted to construct infra for PUS. However results are not so meaningful. The government-funded science museum has mainly provided the program for students. Besides, science broadcasting channel has recorded the worst viewing rate. Meanwhile, some of the private sector-manufactured contents have attracted public attention in recent years, which is realized by considering elements such as an interesting topic selection, use of outside experts, two-way communication system, level adjusting for public through flexible running system. This study analyze podcast based program, face to face lectures, display contents by private industry, fab lab etc. on the base of the reciprocal PUS model to sort out the reason they have successful results. Futhermore, it argues that government should intensify support for private sector and create synergy effect by cultivate collaboration system between government and private sector to enhance the efficiency of PUS and offers public policy to realize the plan.

    Characteristics and Potential on YouTube's Chinese Language Education Channel Contents (유튜브 중국어 교육 채널 콘텐츠에서 나타나는 특징과 발전 가능성)

    • Lee, Jee Won
      • The Journal of the Korea Contents Association
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      • v.22 no.4
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      • pp.479-487
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      • 2022
    • This study divided video content of current representative YouTube channels on Chinese language education into internal and external elements for analysis. By examining these channels, this study found that they have various external and internal elements. In addition, YouTube classes also have certain distinct characteristics that are non-existent in traditional classroom or face-to-face classes, and show potential to serve as a new educational medium that can fill the gaps in existing classroom classes. However, a large number of these channels still have problems with their internal and external elements, which seem to require not only the effort and attention of the instructors creating the videos, but also considerable time and human and material resources.

    A Study on the Application Direction of Financial Industry Metaverse Platform to secure MZ Generation Contact Points (MZ 세대 접점 확보를 위한 금융권 메타버스 플랫폼 활용 방향 연구)

    • Ki-Jung Ryu;Ki-Bum Park;Sungwon Cho;Dongho Kim
      • The Journal of the Institute of Internet, Broadcasting and Communication
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      • v.23 no.3
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      • pp.127-137
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      • 2023
    • COVID-19 has not only affected all sectors of society, economy and politics, but also had a huge impact on industry. The non-face-to-face exchange method was essential to prevent infectious diseases, and the generation who experienced it recognizes the importance of a platform that can be quickly accessed anytime, anywhere, and attention is focused on the Metaverse that can accommodate it well. Each financial industry uses a differentiated metabus platform strategy, focuses on new customer service and revenue generation, and is also used as an internal and external communication channel. This paper analyzes the theoretical background of the financial sector metaverse and domestic and international cases, and studies and describes the direction of using the financial sector metaverse platform to secure MZ generation contact points.

    Secure Configuration Scheme for Internet of Things using NFC as OOB Channel (NFC를 OOB 채널로 활용한 사물인터넷 보안 설정 기술)

    • Kim, Jeongin;Kang, Namhi
      • The Journal of the Institute of Internet, Broadcasting and Communication
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      • v.16 no.3
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      • pp.13-19
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      • 2016
    • The PSK (Pre-shared Secret Key) based method is appropriate for the IoT environment consisting of lightweight devices since this method requires less computing time and energy than the method to configure the session key based on the public key algorithm. A fundamental prerequisite for the PSK based method is that PSK should have been configured between the communication entities safely in advance. However, in case of a small sensor or actuator, no input and output interface such as keyboard and monitor required for configuration exists, so it is more difficult to configure PSK for such lightweight devices safely in the IoT environment than the previous Internet devices. Especially, normal users lack expertise in security so they face difficulty in configuration. Therefore, the default value configured at the time of manufacturing at factories is used or the device installer configures PSK in most cases. In such case, it is a matter for consideration whether all installers and manufacturers can be trusted or not. In order to solve such problem, this paper proposes a secure bootstrapping scheme, which utilizes the NFC (Near Field Communication) as an OOB (Out-Of-Band) channel, for lightweight devices with limited resources.

    Reinforcement Tasks for the Competitiveness of the Traditional Markets - A Case Study of the Jeju Province - (전통시장 경쟁력 강화를 위한 정책적 과제- 제주지역을 중심으로 한 사례 연구 -)

    • Kim, Hyoung-Gil;Kim, Yun-Jeong
      • Journal of Distribution Research
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      • v.16 no.5
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      • pp.85-101
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      • 2011
    • Just as traditional markets nationwide, traditional markets in Jeju area also face a crisis due to expansion of new distribution channel and price competitiveness of large distribution companies. There are various support programs currently being carried out to prevent all risk factors of the traditional markets as government policies. But, these programs have failed to bring a positive change due to lack of specialized products of the traditional market, lack of systematic marketing and customer management, lack of market vendors' consciousness reformation. The purpose of this study is to prepare political measures to promote the revitalization of traditional markets in Jeju area and overcome these limits. To achieve this, this study analyzed the conditions of traditional markets in Jeju area and presented the specialization of items and service for each traditional market, establishment of growth strategies in connection with tourist industry and reinforcement of marketing competitiveness as measures to create a synergy effect.

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