• Asia Marketing Journal
• /
• v.12 no.2
• /
• pp.111-133
• /
• 2010

Marketing financial services used to be easier. Today, the competition in financial services is fierce. Not only has the competition become more intense, financial services have also changed structurally. In an environment with various customer needs and severe competitions, the marketing in financial services industry is getting more difficult and more important than before. However, there are still not enough studies on financial services marketing in Korea whereas lots of research papers have been published frequently in some international journals. The purpose of this paper is (1)to review the literature on financial services marketing, (2)to investigate current marketing activities based on in-depth interview with financial marketing managers in Korea, and (3)to suggest some implications for future research on the financial services marketing. Financial products are not consumer products. In fact, they are not products at all in the way product marketing is usually described. Nor are they altogether like services. The financial industry operates in a unique way, and its marketing tasks are correspondingly complex. However, the literature review shows that there has been a lack of basic studies which dealt with inherent characteristics of financial services marketing compared to the research on marketing in other industries. Many studies in domestic marketing journals have so far focused only on the general customer behaviors and the special issues in some financial industries. However, for more effective financial services marketing, we have to answer following questions. Is there any difference between financial service marketing and consumer packaged goods marketing? What are the differences between the financial services marketing and other services marketing such as education and health services? Are there different ways of marketing among banks, securities firms, insurance firms, and credit card companies? In other words, we need more detailed research as well as basic studies about the financial services marketing. For example, we need concrete definitions of financial services marketing, bank marketing, securities firm marketing, and etc. It is also required to compare the characteristics of each marketing within the financial services industry. The products sold in each market have different characteristics such as duration and degree of risk-taking. It means that there are sub-categories in financial services marketing. We have to consider them in the future research on the financial services marketing. It is also necessary to study customer decision making process in the financial markets. There have been little research on how customers search and process information, compare alternatives, make final decision, and repeat their choices. Because financial services have some unique characteristics, we need different understandings in the customer behaviors compared to the behaviors in other service markets. And also considering the rapid growth in financial markets and upcoming severe competition between domestic and global financial companies, it is time to start more systematic and detailed research on financial services marketing in Korea. In the second part of this paper, I analyzed the results of in-depth interview with 20 marketing managers of financial services companies in Korea. As a result, I found that the role of marketing departments in Korean financial companies are mainly focused on the short-term activities such as sales support, promotion, and CRM data analysis although the size and history of marketing departments to some extent show a sign of maturity. Most companies established official marketing departments before 2001. Average number of employees in a marketing department is about 58. However, marketing managers in eight companies(40% of the sample) still think that the purpose of marketing is only to support and manage general sales activities. It shows that some companies have sales-oriented concept rather than marketing-oriented concept. I also found three key words which marketing managers think importantly in financial services markets. They are (1)Trust in customer relationship, (2)Brand differentiation, and (3)Rapid response to customer needs. 50% of the sample support that "Trust" is the most important key word in the financial services marketing. It is interesting that 80% of banks and securities companies think that "Trust" is the most important thing, whereas managers in credit card companies consider "Rapid response to customer needs" as the most important key word in their market. In addition, there are different problems recognition of marketing managers depending on the types of financial industries they belong to. For example, in the case of banks and insurance companies, marketing managers consider "a lack of communication with other departments" as the most serious problem. On the other hand, in the case of securities firms, "a lack of utilization of customer data" is the most serious problem. These results imply that there are different important factors for the customer satisfaction depending on the types of financial industries, and managers have to consider them when marketing financial products in more effective ways. For example, It will be necessary for marketing managers to study different important factors which affect customer satisfaction, repeat purchase, degree of risk-taking, and possibility of cross-selling according to the types of financial industries. I also suggested six hypothetical propositions for the future research.

• The Journal of Korean Academy of Prosthodontics
• /
• v.52 no.4
• /
• pp.312-316
• /
• 2014

Purpose: The aim of this study was to compare the fracture toughness of currently available resin cements for zirconia restorations and evaluate the effect of water storage on fracture toughness of those resin cements. Materials and methods: Single-edge notched specimens ($3mm{\times}6mm{\times}25mm$) were prepared from three currently available dual cure resin cements for zirconia restorations (Panavia F 2.0, Clearfil SA luting and Zirconite). Each resin cement was divided into four groups: immersed in distilled water at $37^{\circ}C$ for 1 (Control group), 30, 90, or 180 days (n=5). Specimens were loaded in three point bending at a cross-head speed of 0.1 mm/s. The maximum load at specimen failure was recorded and the fracture toughness ($K_{IC}$) was calculated. Data were analyzed using one-way ANOVA and multiple comparison $Scheff{\acute{e}}$ test (${\alpha}$=.05). Results: In control group, the mean $K_{IC}$ was $3.41{\pm}0.64MN{\cdot}m^{-1.5}$ for Panavia F, 2.0, $3.07{\pm}0.41MN{\cdot}m^{-1.5}$ for Zirconite, $2.58{\pm}0.30MN{\cdot}m^{-1.5}$ for Clearfil SA luting respectively, but statistical analysis revealed no significant difference between them. Although a gradual decrease of $K_{IC}$ in Panavia F 2.0 and gradual increases of KIC in Clearfil SA luting and Zirconite were observed with storage time, there were no significant differences between immersion time for each cement. Conclusion: The resin cements for zirconia restorations exhibit much higher $K_{IC}$ values than conventional resin cements. The fracture toughness of resin cement for zirconia restoration would not be affected by water storage.

• Journal of radiological science and technology
• /
• v.30 no.4
• /
• pp.381-389
• /
• 2007

The purpose of this study is investigation of radiation dose in CT scan. Data were collected from various references and organizations. Doses measured by CT scanners of each medical organization were analyzed and they were calculated through the examination protocol. The results are as follows : 1. $CTDI_W$ value per 100mAs measured by Head Phantom was the highest in <4-slice MDCT scanner> of 24.20 mGy. $CTDI_W$ values were significantly different among scanner generations(p < 0.01). 2. $CTDI_W$ value per 100 mAs measured using body phantom was the highest in <4-slice MDCT scanner> of 13.58 mGy and the $CTDI_W$ values were significantly different among scanner generations(p < 0.01). 3. When contrast medium was not used, the highest scanner was <16 slice MDCT> of $818.83\;mGy{\codt}cm$ in exposure dose in brain scan(p < 0.05). When the contrast medium was used, the highest scanner was <4 slice MDCT> and its average was $1,460.77\;mGy{\cdot}cm$(p < 0.1). 4. When the contrast medium was not used, the highest scanner was <16-slice MDCT> of $521.63\;mGy{\cdot}cm$ on average in terms of the exposure dose in chest inspection(p<0.05). when the contrast medium was used, the highest scanner was found in 8 slice MDCT scanner and its average was $1,174.70\;mGy{\cdot}cm$. There was no statistically significant difference among scanners. 5. When the contrast medium was not used, the highest scanner was <16-slice MDCT> and its average was $856.27\;mGy{\cdot}cm$ in exposure dose on the abdomen-pelvis(p<0.05). when the contrast medium was used, the highest scanner was <16-slice MDCT> and its average was $1,720.64\;mGy{\cdot}cm$ on average (p < 0.05). 6. When the contrast medium was not used, the highest scanner was <8-slice MDCT> and its average was $612.07\;mGy{\cdot}cm$ in exposure dose in liver inspection(p < 0.05). when the contrast medium was used, the highest scanner was <8-slice MDCT scanner> and its average was $2,197.93\;mGy{\cdot}cm$ in exposure dose(p < 0.1). seventy six point two percent of medical facilities were in risk of radiation exposure while the number of phase was three to four times in their dose inspection of contrast medium.

• Journal of the Korean Geotechnical Society
• /
• v.15 no.4
• /
• pp.113-132
• /
• 1999

Recently in Korea, application of the soil nailing is gradually extended to the sites of excavations and slopes having various ground conditions and field characteristics. Design of the soil nailing is generally carried out in two steps, The First step is to examine the minimum safety factor against a sliding of the reinforced nailed-soil mass based on the limit equilibrium approach, and the second step is to check the maximum displacement expected to occur at facing using the numerical analysis technique. However, design parameters related to the soil nailing system are so various that a reliable design method considering interrelationships between these design parameters is continuously necessary. Additionally, taking into account the anisotropic characteristics of in-situ grounds, disturbances in collecting the soil samples and errors in measurements, a systematic analysis of the field measurement data as well as a rational technique of the optimum design is required to improve with respect to economical efficiency. As a part of these purposes, in the present study, a procedure for the optimum design of a soil nailing excavation wall system is proposed. Focusing on a minimization of the expenses in construction, the optimum design procedure is formulated based on the genetic algorithm. Neural network theory is further adopted in predicting the maximum horizontal displacement at a shotcrete facing. Using the proposed procedure, various effects of relevant design parameters are also analyzed. Finally, an optimized design section is compared with the existing design section at the excavation site being constructed, in order to verify a validity of the proposed procedure.

• Journal of the Korean Geographical Society
• /
• v.30 no.1
• /
• pp.16-34
• /
• 1995

This study aims to analyze the impact of cement industry on region change. For this study Maepo-Eub was selected as study area, where three cement factories are located. The data for analysis were obtained from interviews, questionaire surveys and the employee list of each cement factory. The analytic procedures for this study are as follows: 1) The change of regional employment was analyzed by development was industry in terms of the permanent address, education level, occupational status of the employee. 2) The degree of population growth are analyzed by developmental staae of the industry. Some conclusions from this study follows: 1) As these cement factories were built at Maepo in the 1960's, there were plenty of employment opportunities. Thus many technicians and workers flooded in Maepo-Eub. in the 1970's with the expansion of production facilities therewere much more immigrants to the industrial region, while there were outflow in the neighboring rural areas. In the 1980's the opportunity for the employment of cement factories have been decreased due to the introduction of the automation processes and larger, sized machines. Among the employee of three cement factories the native of Chungcheongbukdo (65%; in them Danyang 52%, Jecheon 32%) is dominant, the second is from Kangwon-do (13%), and the third is from Kyungsangbuk-do (11%) adjacent to Chungcheongbuk-do. It means that there are more employment opportunity in the near places of cement factories. 2) In the period of 1960's study area had experineed rapid social increase in population by the development of cement industry. That is, cement industries created new job opportunities and attracted large population concentration into this area. In the period of 1970's the population of the industrial region have increased continuously, while the population of neighboring rural areas have decreased. In the period of 1980's the population of Maepo decreased steadily because of decrease of labour forces through automation and commuting. Thus in the early stage of idustrial development large population concentrated in the neighboring villages of cement factories, and formed residential areas, commercial areas and service areas. As agricultural and was encroached, rural people left their regions to live in the more convenient suburbs. 3) People engaged in cement industry think that cement industry has a favorable influence on regional development, such as creating job opportunity, raising income level, developing business and service sector, and leading high economic growth. While farmers and some people think that cement industries as a pollution causing factories have a harmful influence on regional development, sucha as injuring the crops, causing environmental pollution, and being harmful to health. If pollution problems are solved, I think Maepo will play an important role as a regional center which can offer employment opportunity, business and service function to pheripheral rural areas, and raise a income level.

• Journal of Hospice and Palliative Care
• /
• v.19 no.1
• /
• pp.61-69
• /
• 2016

Purpose: It is important to alleviate care burden for terminal cancer patients and their families. This study investigated the factors associated with care burden among family caregivers (FCs) of terminally ill cancer patients. Methods: We analyzed data from 289 FCs of terminal cancer patients who were admitted to palliative care units of seven medical centers in Korea. Care burden was assessed using the Korean version of Caregiver Reaction Assessment (CRA) scale which comprises five domains. A multivariate logistic regression model with stepwise variable selection was used to identify factors associated with care burden. Results: Diverse associating factors were identified in each CRA domain. Emotional factors had broad influence on care burden. FCs with emotional distress were more likely to experience changes to their daily routine (adjusted odds ratio (aOR), 2.54; 95% confidence interval (CI), 1.29~5.02), lack of family support (aOR, 2.27; 95% CI, 1.04~4.97) and health issues (aOR, 5.44; 2.50~11.88). Family functionality clearly reflected a lack of support, and severe family dysfunction was linked to financial issues as well. FCs without religion or comorbid conditions felt more burdened. The caregiving duration and daily caregiving hours significantly predicted FCs' lifestyle changes and physical burden. FCs who were employed, had weak social support or could not visit frequently, had a low self-esteem. Conclusion: This study indicates that it is helpful to understand FCs' emotional status and family functions to assess their care burden. Thus, efforts are needed to lessen their financial burden through social support systems.

• Journal of the Korean Society of Food Science and Nutrition
• /
• v.44 no.8
• /
• pp.1234-1240
• /
• 2015

Taraxacum coreanum Nakai is a wild medicinal plant commonly consumed in Korea due to its health beneficial effects. In the present study, the contents of polyphenolics and flavonoids as well as antioxidative and anticancer activities of water extracts from different parts of T. coreanum Nakai were investigated for their use as functional foods. Extract yields of flower, leaf, and root were 30.25%, 34.53%, and 66.25%, respectively. Total polyphenols and total flavonoids contents of flower extract were 50.54 mg/g and 35.26 mg/g, respectively, which were much higher than any other parts. The electron donating abilities of flower, leaf, and root extracts were 91.04%, 88.22%, and 38.58%, respectively, at a concentration of 1.0 mg/mL. Cell viability of AGS for human gastric carcinoma, HCT-116 for human colon carcinoma, and A-549 for human pulmonary carcinoma showed the lowest values in flower extracts (40.34%, 39.56%, and 17.52%, respectively), indicating the highest cytotoxicity at a concentration of 400 mg/kg. Both antioxidative and anticancer activities of water extracts from all T. coreanum Nakai parts dose-dependently increased. These results provide preliminary data for the development of T. coreanum Nakai as an edible functional food material.

• Journal of the East Asian Society of Dietary Life
• /
• v.21 no.5
• /
• pp.649-660
• /
• 2011

The purpose of this study was to compare the dietary life and nutrient intakes among elderly persons residing at nursing homes and their homes in order to provide fundamental data for improved foodservice and dietary management. We recruited 150 subjects at a nursing home stay and 150 home stay elderly persons for a survey. The results were as follows. There was no significant difference in frequency of napping between the two groups. The frequency of going out was higher in the home stay subjects, but regular exercise was higher in nursing home stay subjects. Subjects possessed the following diseases: dementia and digestive disorders for nursing home stay elderly men, blood vessel disorder and diabetes for home stay elderly men, digestive and blood vessel disorders for nursing home stay elderly women, and blood vessel and heart disease for home stay elderly women. In a health-related assessment, smoking, drinking, and teeth condition of nursing home stay subjects were not higher than those of home stay subjects. The ratio of subjects who ate meals everyday was higher in nursing home stay elderly women than in home stay women. While most nursing home subjects ate adequate amount of meals, home stay subjects ate until they were full. The daily energy intakes of men and women were 2,229.9 kcal and 2,302.1 kcal for nursing home subjects and 1,894.0 kcal and 1,885.9 kcal for home subjects, respectively. Nutrient intake was also higher in nursing home than home stay subjects. In summary, the dietary life of elderly persons residing in a nursing home was higher than that of elderly persons residing at their home from the view point of meal frequency, meal intake, and nutrient intakes. Therefore, systematic assessment and management of nutrition for elderly staying at a nursing home or at home alone should be conducted continually.

• Journal of the East Asian Society of Dietary Life
• /
• v.23 no.6
• /
• pp.681-689
• /
• 2013

The purpose of this study was to investigate the effect of alcoholic drinking on the dietary habits among university students. The data was collected from 355 students (male : 188, female : 167) living in Busan. The questionnaire composed of general information, person with the lunch meal time, skipping meal, meal type place overeating, snacking eating out, food intake pattern. For statistics analysis, SPSSWIN 12.0 was used. The results were summarized as follows. First, the rates of alcohol drinking in male and female students were 94.1% and 93.4% respectively and the rate of under 19 years old's drinking were 94.4%. Second, in the appearance of drinking, the difference in dietary habits wasn't shown to be significant. However in term of dinner, few female students sometimes haven't dinner (p<0.01). And female group showed frequently eating out (p<0.05) and overeating more than male group(p<0.001). Third, the alcohol drinking group and non-alcohol drinking group showed significantly similar consumption frequency of cereal, meat products, fruits vegetable, oil sugars. But the intakes of milk and dairy products in male students were significantly higher than in female students (p<0.001). These results indicated that more attention should be taken to university students, having habits of skipping meal, alcohol drinking and low intake for nutrition knowledge or attitude so as to improve their health.

• Journal of dental hygiene science
• /
• v.12 no.2
• /
• pp.79-84
• /
• 2012

The purpose of this study was to utilize it as useful basic data for improving oral health and for developing educational guidelines, by surveying the intake frequency in cariogenic food and the dietary intake status in detergent food through dietary life diary of some female undergraduates, and by researching into relationship between dietary intake factor and dental caries. It allowed dietary life diary for 5 days to be recorded targeting female undergraduates for the Dept. of Dental Hygiene, selected dietary life diary of 66 people without omission of record, and used it in this study. The following conclusions were obtained. 1. As a result of surveying the food intake status, it was indicated to be 12.82 for cariogenic food intake frequency, 256.36 for caries incidence available time and 8.32 for detergent food intake frequency. 2. As a result of surveying in order to examine relationship between cariogenic food intake frequency, detergent food intake frequency & cariogenic light-meal intake frequency and dental caries by dividing group with caries and group with non-caries, the group with caries was indicated to be a little higher than the group with non-caries. However, statistically significant difference wasn't indicated. 3. In the correlation between dietary intake status and dental caries, it was indicated that the more rise in cariogenic food intake frequency leads to the more rise in detergent food intake frequency and even in total light-meal intake frequency, but wasn't shown correlation with dental caries. In light of the above results, many limitations were indicated in finding and analyzing the dental caries incidence level and cause just with a method through surveying dietary intake. However, given the more in cariogenic food intake frequency and detergent food intake frequency, the possibility of dental caries incidence could be predicted.