• 한국정보시스템학회지:정보시스템연구
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• 제33권1호
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• pp.115-131
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• 2024

Purpose This study aims to analyse the impact of the development of fintech and the emergence of internet primary banks due to the increasing use of smartphones on the performance of traditional local banks from both financial and non-financial perspectives. Return on equity (ROE) and return on assets (ROA) are used to assess the performance differences between the two types of banks and how these differences are affected by their financial characteristics. Design/methodology/approach Using return on equity (ROE) and return on assets (ROA) as indicators, we identified the differences in operating performance between the two types of banks. In addition, this study analysed the impact of financial characteristics on profitability through regression analysis with various control variables. We further studied the impact of non-financial characteristics (customer reviews, social media reactions, etc.) on operating performance. Findings The net interest margin ratio of local banks had a positive impact, while the marketable securities ratio of Internet primary banks had a negative impact. The non-financial analysis shows that the number of customer reviews and social media reactions have a significant impact on the performance of Internet primary banks, suggesting that customer satisfaction and positive market perception are important factors in the performance of Internet primary banks.

• 한국실내디자인학회논문집
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• 제32호
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• pp.121-130
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• 2002

At the large commercial facilities, people try to grasp a customer's needs as the marketing strategies for effective management and maximization of profits as well as the primary purpose for functional and effective spatial plan. In planning the interior of each department, they try to provide the image of the interior environment corresponding to customer's emotional needs. And this kind of efforts also have been improved as visual merchandising strategies based on the transmission of visual information. This study is to examine the correlation among customer's behavior, circulation and VMD by gasping their shopping patterns at the department stores based on the spatial and emotional approach to form an environmental image of each department. The researcher focused on time, speed and rate of shopping that show customer's behavioristic characteristics and examine the factors to have an influence on decision making. With the result, this study proposes the primary data and evidence for MD planning, circulation planning and VMD planning of each department.

• 한국콘텐츠학회논문지
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• 제8권11호
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• pp.225-234
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• 2008

본 논문은 일차 의료기관을 이용하는 고객들이 느끼는 고객가치가 장기적으로 고객충성도에 영향을 미친다는 것과 고객가치를 대상으로 고객관계관리와 관련된 변수들의 구조적 관계를 밝히고자 하였다. 연구결과 편리가치, 응대가치, 신뢰가치는 고객만족에 영향을 미치는 요인이며 고객만족은 고객충성도, 즉 재구매와 구전의도에 영향을 준다는 것이 확인되었다. 또한 편리가치와 응대가치, 신뢰가치는 고객만족의 완전매개 역할을 통해 재구매에 영향을 미치며 편리가치, 응대가치는 고객만족의 완전매개 역할을 통해 구전의도에 영향을 준다는 것을 확인하였다. 특히 신뢰가치의 경우는 고객만족이 없이도 구전의도를 형성하는 요인이라는 것을 확인하였다.

• 벤처창업연구
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• 제5권4호
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• pp.95-111
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• 2010

현대의 기업 경쟁력은 경쟁력 있는 신제품 개발이 필수적이다. 기업이 지속적인 성장을 하기 위해서는 신제품을 개발해야 한다. 본 논문에서는 제품 설계의 고객의 목소리를 충분히 반영한 제품을 제안하였다. 1차 설계에서 Kano의 매력 품질특성을 반영하여 설계하였고, 2차 설계에선 Kano 품질 특성에서 일원적 품질특성이 Timko가 제안한 고객만족지수 방법을 통하여 찾아진 고객 요구를 만족하는가를 분석하였다. 또한 Kano의 매력품질을 찾는 기법과 Timko의 고객만족지수를 찾는 기법을 신제품 개발에 적용하면 매우 효과적으로 문제를 해결할 수 있다.

• 한국산학기술학회논문지
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• 제10권9호
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• pp.2435-2439
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• 2009

재래시장 활성화를 위한 고객연계관리시스템의 필요성을 제기하고, 성공적인 고객연계관리시스템의 구축을 위해 필요한 주요요인을 분석하였다. 측정변수 22개를 통해 요인분석을 실시한 결과 경영관리, 고객관리, 서비스관리, 시설관리 등 4개 요인이 도출되었다. 각 요인의 특징은 다음과 같다. 경영관리요인은 상품 기획 및 인증관리 활동이 필요한 것으로 나타났다. 또한 고객관리요인은 고객을 우대할 수 있는 정책이 필요한 것으로 나타났다. 그리고 서비스관리요인은 주문, 배달, 반품서비스까지 토털서비스의 필요성이 제기되었다. 마지막으로 시설관리요인은 고객이 재래시장을 활용하기 위해 편리성을 제공할 수 있는 시설의 개선이 요구되었다.

• 전기학회논문지
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• 제59권10호
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• pp.1792-1796
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• 2010

In this paper, the survey results of the interruption on domestic residential customer with primary focus on the cost are presented. General method utilized in quantifying the benefit of reliability on power system is to estimate the Customer Interruption Cost(CIC) associated with the electric service interruption. According to change the circumstance of electricity market by the deregulation and the introduction of new technology, reliable and accurate CIC is required for estimate the applied plan and technology under the circumstance. This paper presents the residential customer interruption cost is estimated by the survey conducted by KEPCO in 2009. To collect the customer interruption data for calculation of CIC, the survey is conducted. The survey targeting residential customer around the branch-offices under twelve regional headquarters of KEPCO was carried out.

• 정보관리연구
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• 제40권1호
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• pp.183-197
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• 2009

With development of the internet, internet shopping is taking its place as one of digitalization industries transcending time and space beyond the scope of commercial activities as the means of goods sales and purchase. We studied about the relations of customer value, environment of internet shopping mall, customer satisfaction and loyalty. Customer value is customers' subjective evaluation, which is formed after their purchasing and consuming. Customer satisfaction can be characterized as post-purchase evaluation of product quality given pre-purchase expectations. Customer loyalty is a potentiality or ensure of durative relationship between customer and enterprises. Customer satisfaction functions as an antecedent of customer loyalty, while customer value does customer satisfaction. It prevents customer churn and consolidates retention, thereby constituting an important cause of customer loyalty. This study shows that customer value, environment of internet shopping mall and customer satisfaction are each found to have a direct effect on customer loyalty. The results provide empirical support for relation between customer satisfaction and loyalty. To increase customer satisfaction and customer loyalty in internet shopping mall is the primary purpose of this study. We believe that only high quality based customer programs accompanied by well designed loyalty programs can be effective in increasing customer retention.

• 전기학회논문지
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• 제59권10호
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• pp.1787-1791
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• 2010

This paper presents the survey results of the interruption on domestic customer, especially commercial, with primary focus on the cost are presented. General method utilized in quantifying the benefit of reliability on power system is to estimate the Customer Interruption Cost(CIC) associated with the electric service interruption. According to change the circumstance of electricity market by the deregulation and the introduction of new technology, reliable and accurate CIC is required for estimate the applied plan and technology under the circumstance. This paper presents the commercial customer interruption cost is estimated by the survey conducted by KEPCO in 2009. To collect the customer interruption data for calculation of CIC, the survey is conducted. The survey targeting commercial customer around the branch-offices under twelve regional headquarters of KEPCO was carried out.

• Journal of Preventive Medicine and Public Health
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• 제35권3호
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• pp.236-244
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• 2002

Objective : To empirically investigate the relationship of internal and external customer satisfactions, service quality, and customer loyalty in medical services. Methods : This essay proposes an integrated model to explain the causality of internal and external customer satisfactions, service quality, and customer loyalty. To this end, a structural model was developed, consisting of the following factors: internal and external customer satisfactions, service quality, and customer loyalty. The study included 214 sets of data, with 107 sets being collected for both out-patients and in-patients. The data were analyzed using AMOS 4.0. Results : We found the greater the internal customer satisfaction, the greater the out-patient quality of service quality. Secondly, the greater the service quality, the greater the external customer satisfaction of both in- and out-patients. The service quality of doctors, compared to that of the nurses, had a greater effect on external customer satisfaction. Thirdly, the service quality of doctors and nurses affected both internal and external customer satisfactions, which ultimately affected the customer loyalty. Finally the greater the external customer satisfaction, the greater the customer loyalty. Conclusion : This Study confirms the positive relationship among the internal and external customer satisfactions, service quality, and customer loyalty, which proves the doctors quality of service is the primary factor for external satisfaction, and customer loyalty relating to medical services.

• 유통과학연구
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• 제19권5호
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• pp.35-48
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• 2021

Purpose: This research aims to analyze the influence of relational penetration capability on salesperson performance and the influence of customer orientation, customer knowledge accessibility, and salesperson-customer relationship quality on the relational penetration capability of the insurance service industry in Central Java. Research design, data, and methodology: This explanatory research involved 211 respondents. Path analysis was used to analyze the primary data obtained. Results: The customer orientation positively influences relational penetration capability and customer knowledge accessibility which can improve salesperson performance. The salesperson-customer relationship quality shows a positive impact on the salesperson's relational penetration capability, salesperson performance, and relational penetration capability which will lead to an improved salesperson-customer relationship. Higher knowledge levels of customer necessity have important implications for a salesperson's capability of finding potential customers and of fulfilling customers' requirements through careful analysis of necessity. Conclusions: The salespeople should be capable of building and maintaining a good relationship with their customers as an indication that salespeople of Insurance Service Company Distribution in Central Java have good performance.