• The Journal of Asian Finance, Economics and Business
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• 제7권10호
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• pp.323-328
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• 2020

This study aims to analyze the changes in purchasing decisions in conducting transactions using cash and digital payment systems. Cash payment systems are very different from digital payments because they no longer use banks as intermediaries for transactions. The scope of this study is to determine the differences that take place with purchasing decisions using digital payment systems with OVO Indonesia smart applications. By using the paired T-test sample test method and testing the regression class assumptions, it is expected we will document the comparison between cash and digital payment systems as regards changes in consumers' buying interest behavior towards goods. Data is obtained by purposive sampling using special characteristics for smart application users. The results show that digital payments are developing very quickly, but cash payments still dominate due to the unavailability of complete facilities and infrastructure to support digital payment systems other than in cities. This study illustrates that digital payments have not been able to completely change consumer buying behavior in large numbers, but the main finding in this study is an increase in the percentage of digital payment usage to the online market, due to the many conveniences provided in OVO smart applications.

• 정보학연구
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• 제8권3호
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• pp.159-176
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• 2005

The Purpose of this Article is to analyze the special settlement and electronic settlement system in the international trade. First, Factoring is a fast, easy and flexible way to improve a company's cash flow and generate working capital for the company. Factoring can be short-term or part of an ongoing financing program. New companies can benefit as well, since there is no requirement for a long-term credit history. Second, Forfaiting is a method of trade financing that allows exporters to obtain cash and be free of all risks by selling their medium term receivables on a 'without recourse' basis. Forfaiting can be an alternative to export credit or insurance cover, especially for those transactions in which the export credit agency is not open to a particular country and/or bank. Third, The Bolero System is jointly financed by SWIFT(Society for World International Financial Telecommunications) which handles most of the electronic funds transfer for banks, and the Through Transport Mutual Assurance Association(the TT Club), a mutual insurance association most of whose members are drawn from the Multimodal transport industry or transport intermediaries. Fourth, TradeCard is a payment and settlement system that is an alternative to letters of crdeit. That is, TradeCard is a business-to-business e-commerce infrastructure that enables buyers and sellers to conduct and settle international trade transactions securely over the Internet.

• 한국정보통신학회논문지
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• 제12권6호
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• pp.1022-1025
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• 2008

Session Initiation Protocol (SIP)은 IP (VoIP)네트워크에 관한 열려 있고 넓힐 수 있는 특성 때문에 특정한 목소리를 위한 응답 조절 프로토콜이다. 하지만 사이트 사이에서 보내고 있는 응답의 완전성이 최고도의 중요하고 SIP은 언제 무방비인 상태로 공격을 받기 쉽다. 현재 hop-by-hop 보안 모델이 우세지만, 매개자는 반드시 매개자가 인증을 받은 방법에서 행동했었는지를 알고 있는 사용자 에이전트 클라이언트 (UAC)없이 목적지 사용자 에이전트 서버(UAS)쪽으로 요구를 전송한다. 이 논문에서 hop-by-hop 보안과 end-to-end 보안을 결합시킴으로써 SIP에 기초를 둔 VoIP 네트워크를 위해 통합된 보안 모델을 준다.

• The Journal of Asian Finance, Economics and Business
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• 제8권4호
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• pp.249-261
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• 2021

To tranquilize the devastating impact of unnecessary risk-taking behavior of banks towards the economy for maximizing their profits that usually arises due to widely known 'moral-hazard' problem originating from market competition and intensified by bank's limited liability, the banking system is strongly monitored across all countries of the world. The goal of controlling would become more feasible if there exist some self-discipline and motivations which could safeguard the banks' charter value through the mechanism of market discipline. Therefore, our study is aimed to scrutinize the relation between market discipline and charter value of local commercial banks that are registered on the Pakistan Stock Exchange by analyzing a balanced panel data from the year 2007 to 2019. Deposit growth, interbank deposits, and subordinate debt are taken as proxies to measure market discipline whereas Tobin's Q theory is applied for calculating the charter value. Generalized Least Square Regression with Fixed Effect Model is used for evaluation. The outcomes reveal that in the existence of control variables, all proxies of market discipline have a significant positive impact on bank charter value. Our research has important policy implications for monitoring and supervising financial intermediaries for their stability and soundness by offsetting the complications of moral-hazard in the financial systems.

• 유통과학연구
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• 제20권2호
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• pp.19-29
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• 2022

Purpose: Understanding the distribution channel is a foundational element of successful hotel revenue management. This study aims to assess hotel distribution network partnerships and develops a model that can be utilized to ensure hoteliers are not becoming increasingly reliant on a single channel, optimize their market exposure, and maximize their portion of the overall worth of the network. Research design, data and methodology: This study utilizes a grounded theory approach to form a theoretical model by analyzing and examining the current practice of hotel distribution management through interviews with 15 stakeholders in Indonesia, such as hoteliers, online travel agents, wholesalers, and connectivity managers. Results: Based on data analysis, we describe hotel distribution elements, revenue team, managed channels, and channel prioritization for a different type of hotel. Finally, we propose a distribution channel model that comprises hotel teams, customer types, indirect channels, and direct channels. Conclusions: The model contributes to the literature by exploring the options of distribution channels for various hotel types to support hotel revenue management practice. By utilizing our model, practitioners can have a complete picture regarding the strategic choice of the channel by considering their hotel capacity and market target.

• International Journal of Computer Science & Network Security
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• 제22권6호
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• pp.51-56
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• 2022

It is relevant and timely for the existence and prosperity of today's tourism to build up a stock of new abilities and a set of innovations. At present, the tourism industry is experiencing a new stage in its digital transformation. The newest technologies, which are now spreading en masse and one of which is rightfully considered to be blockchain technology, enable tourists to receive tourist services directly from the producers, which not only gives the consumer the opportunity to enjoy higher quality and inexpensive products but also increases the responsibility of the producer. The article analyzes research literature on the possibility of using blockchain technology in the tourism industry. Based on an expert survey, the main problems, prospects, and advantages of the implementation of blockchain technology in the tourism industry are identified. The paper proposes and analyzes an option for the use of blockchain technology on the basis of a blockchain project with a mobile app for users and a dedicated website and public API for travel service providers.

• 수완나부미
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• 제9권2호
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• pp.51-89
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• 2017

Strategically situated between the East-West maritime crossroads, the peoples of Southeast Asia over the centuries witnessed the comings and goings of traders from territories from East Asia, South Asia, West Asia and Europe. There were also those from North America that crossed the Pacific for commercial profits in this region. Foreign traders undoubtedly in the course of their visits and sojourns had liaisons with local women, some engaged in marriages. Offspring of these interracial miscegenation possessed rather unique characteristics. As a community, they were identified with the Malay term, peranakan, from the root word, "anak" meaning "child," hence "offspring" or "descendent". Specific terms - Baba Nyonya, Tionghoa-Selat, Chitty, Jawi Pekan, Pashu, Kristang - referred to particular groups. Although socially they appeared 'neither here nor there', members of mixed parentage were able to carve an especial niche in the local environment throughout Southeast Asia, conspicuously in urban, port-cities where trade and commerce predominated. Following in the footsteps of their progenitor, the Peranakan acted as intermediaries, comprador between foreign and indigenous enterprises, profiting financially and socially from trade and commerce. Tapping on the author's personal experiences and first-hand observations, complementing with oral sources, and support from secondary materials, this present essay explores, discusses, and analyzes the eclectic sociocultural practices and traditions of the Baba Nyonya of George Town, Penang. Purposeful intention is to further enlighten our understanding, and in turn, our appreciation, of these ever increasingly diminishing communities and their cultures across Southeast Asia.

• KSII Transactions on Internet and Information Systems (TIIS)
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• 제17권11호
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• pp.3003-3029
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• 2023

The rapid evolution of the IoT has paved the way for new opportunities in smart city domains, including e-health, smart homes, and precision agriculture. However, this proliferation of services demands effective SLAs between customers and service providers, especially for critical services. Difficulties arise in maintaining the integrity of such agreements, especially in vulnerable wireless environments. This study proposes a novel SLA management model that uses an SDN-Enabled WSN consisting of wireless nodes to interact with smart contracts in a straightforward manner. The proposed model ensures the persistence of network metrics and SLA provisions through smart contracts, eliminating the need for intermediaries to audit payment and compensation procedures. The reliability and verifiability of the data prevents doubts from the contracting parties. To meet the high-performance requirements of the blockchain in the proposed model, low-cost algorithms have been developed for implementing blockchain technology in wireless sensor networks with low-energy and low-capacity nodes. Furthermore, a cryptographic signature control code is generated by wireless nodes using the in-memory private key and the dynamic random key from the smart contract at runtime to prevent tampering with data transmitted over the network. This control code enables the verification of end-to-end data signatures. The efficient generation of dynamic keys at runtime is ensured by the flexible and high-performance infrastructure of the SDN architecture.

• Asia pacific journal of information systems
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• 제29권4호
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• pp.571-590
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• 2019

Despite the growing amount of mobile peer-to-peer (P2P) payment applications available on mobile app stores, these applications are still in their infancy and have yet to see mass adoption. This study aims to explore the factors that influence the adoption of such mobile P2P payment applications by using a large-scale data set based on the tracking of users' actual mobile application usage behavior. Our main findings reveal that the duration of each session that users use of traditional bank application has a significant relationship with their adoption of mobile P2P payment applications. In addition, we explore the social aspect of such mobile P2P payment applications by analyzing their social network applications usage and found that the amount of social network service applications used and usage duration positively impacted one's adoption of mobile P2P payment applications. These findings have important theoretical and practical implications for stakeholders of mobile P2P payment solution providers as well as intermediaries/banks who provide their own payment applications to their customers.

• 한국산림과학회지
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• 제98권4호
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• pp.504-511
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• 2009

본 연구는 밤나무 재배의 생산비를 파악하기 위해 밤나무 재배농가 227농가를 대상으로 조사하였으며 분석 결과는 다음과 같다. 국내 밤나무 재배 전업농가는 평균 5.5 ha의 면적을 재배하고 있었으며, ha당 1.6톤의 밤을 생산하고 있었다. 밤의 판매는 농협과 수집상에 73%이상을 판매하고 있었으며, 품등별 생산비중은 특대립과실 18%, 대립과실 49%, 중립과실 25%, 소립과실 8%로 나타났다. 밤 재배농가의 연간 조수입은 지역마다 상당한 차이를 나타내고 있었으나 전체 평균으로 볼 때, ha당 2,103천원의 조수입을 얻어 경영비로 66.4%를 지출하고 706천원의 농가소득을 올려 33.6%의 소득률을 나타내었다. 지역별 생산비 특성을 보면, 충남지역은 저수고 재배와 노동집약형 재배를 통해 품등이 높은 밤을 생산하여 ha당 평균 2,161천원의 높은 소득을 올렸으나 전남과 경남지역에서는 밤나무 노령화의 영향으로 경영비 투입비중이 낮아 생산성이 크게 떨어지는 특성을 나타냈다.