[논문]A Study on Space Utilization according to Changes in Non-face-to-Face Consumer Use : Focused on bank offices

Hwang, Sungi; Ryu, Gihwan; Yun, Daiyeol; Kim, Heeyoung

doi:10.17703/ijact.2020.8.4.271

Abstract ▼ AI-Helper

Modern financial services go beyond the stage of internet banking, and new concepts of financial transactions such as Internet of Things, mobile banking, electronic payments, and fintech have emerged. As a result, banks are less influential in financial transactions, and changes are being demanded. ...

Modern financial services go beyond the stage of internet banking, and new concepts of financial transactions such as Internet of Things, mobile banking, electronic payments, and fintech have emerged. As a result, banks are less influential in financial transactions, and changes are being demanded. In the present era, the basic business of banks has decreased, and it is transforming into a space where both consumer finance work and reside. The bank office stands for the brand image of the bank, and it is represented by trust with customers in the basic business of financial transactions, and the rise in real estate value is a natural social phenomenon due to the nature of the location and location of real estate owned by the bank. The business method and space of the bank office that meets the new paradigm of the modern society is an inefficient space only for the convenience and rest of consumers, but it must be used as a variety of spaces suitable for the region to increase the functional value of the bank office. Through this study, as a convenience space for consumers, various service facilities should be introduced to understand the characteristics of the region as a convenience space for consumers, and various service facilities should be introduced to meet the needs of consumers, and the bank office should be improved as a complex service space for local residents.

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표/그림 (4)

표 Table 1. Contents of questionnaire questionnaire.
표 Table 2. Bank office complex facility space utilization - residential area Frequency (rete)
표 Table 3. Bank office complex facility space utilization - business area Frequency (rete)
표 Table 4. Bank office complex facility space utilization - commercial area Frequency (rete)

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문제 정의

The purpose of this study is to study and propose alternatives to the changes in the space of the bank business space due to changes in the consumer finance environment. In order to achieve the purpose of the survey, the selection criteria for the survey target were mainly targeting residents of Seoul, Gyeonggi, and Incheon as of 2018, and the survey area was divided into residential, business, and educational areas.
This study examines the changes in the financial environment, examines consumers' perception and improvement of the use of bank offices by region based on the current situation of bank offices, and recreates the functional role of the space to connect consumers and the new financial environment. The significance of this paper is to create a bank that plays a regional role. In the current era, financial networks are freed, and consumers' financial consumption patterns are appearing in various ways.
Today's financial environment has faced a new paradigm due to the change in consumer financial transactions, but the reality is that bank offices are not effectively utilized due to a uniform space composition in the role of space. This study examines the changes in the financial environment, examines consumers' perception and improvement of the use of bank offices by region based on the current situation of bank offices, and recreates the functional role of the space to connect consumers and the new financial environment. The significance of this paper is to create a bank that plays a regional role.
The local bank office is the image of the bank closest to the consumer, and is the best advertisement that can be approached friendly to the consumer. This study is a study on the use of space in bank offices in response to changes in the consumer financial environment. This study presents the research background and purpose, and the scope and method of the research.

제안 방법

This study presents the research background and purpose, and the scope and method of the research. After examining the changes, it analyzes the changes in the consumer financial environment and the factors of change in today's financial transactions. In addition, in order to analyze the change and spatial characteristics of the bank business place, we understand the bank business place and look at the change of the bank business place according to the consumer financial environment by dividing it into environmental change and spatial change.
0 program. First, a frequency analysis was conducted to find out the demographic characteristics of the study subjects. Next, Crombach’s @ value was calculated to verify the reliability of the measurement variables, and exploratory factor analysis (EFA) and confirmatory factor analysis (CFA) were performed to verify the validity.
First, a frequency analysis was conducted to find out the demographic characteristics of the study subjects. Next, Crombach’s @ value was calculated to verify the reliability of the measurement variables, and exploratory factor analysis (EFA) and confirmatory factor analysis (CFA) were performed to verify the validity. Finally, a structural equation model analysis (SEM) was conducted.
In addition, in order to analyze the change and spatial characteristics of the bank business place, we understand the bank business place and look at the change of the bank business place according to the consumer financial environment by dividing it into environmental change and spatial change. The present situation of the bank business site is investigated, and a comprehensive analysis is conducted to propose a conclusion on the space utilization of the bank business site according to the change in the consumer financial environment.
0%). When organizing the questionnaire, the analysis was conducted focusing on the selection of the bank transaction location, gender, age group, and occupation.

대상 데이터

The subjects of the questionnaire are residents of Seoul, Gyeonggi-do, and Incheon-city who view financial services. 225 copies were collected, and a total of 200 copies were analyzed and utilized to organize the population composition and sample survey.Regarding the demand for the use of complex facility spaces in bank offices, the residential area was the highest at 42.
The purpose of this study is to study and propose alternatives to the changes in the space of the bank business space due to changes in the consumer finance environment. In order to achieve the purpose of the survey, the selection criteria for the survey target were mainly targeting residents of Seoul, Gyeonggi, and Incheon as of 2018, and the survey area was divided into residential, business, and educational areas. The survey targets 57 people in residential areas, 55 people in business areas, and 48 people in commercial areas, and a total of 200 people are selected and targeted for the survey.
The subjects of the questionnaire are residents of Seoul, Gyeonggi-do, and Incheon-city who view financial services. 225 copies were collected, and a total of 200 copies were analyzed and utilized to organize the population composition and sample survey.
In order to achieve the purpose of the survey, the selection criteria for the survey target were mainly targeting residents of Seoul, Gyeonggi, and Incheon as of 2018, and the survey area was divided into residential, business, and educational areas. The survey targets 57 people in residential areas, 55 people in business areas, and 48 people in commercial areas, and a total of 200 people are selected and targeted for the survey. The statistical processing of the data collected for this study was analyzed using the SPSS 198.

성능/효과

As a result of examining the demographic characteristics of the survey subjects by region, by survey respondent area, 57 people in residential areas (28.5%), 55 people in business areas (27.5%), and 88 people in commercial areas (44.0%). When organizing the questionnaire, the analysis was conducted focusing on the selection of the bank transaction location, gender, age group, and occupation.

참고문헌 (15)

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Moongak Park, pmg Knowledge Engine Research Center, http://pmg.co.kr
Encyclopedia of Korean Folk Culture, Central Research Institute of Korean Studies, http://www.aks.ac.kr
Soonki Lee, "An Empirical Study on Bank Marketing Strategies According to Changes in the Financial Environment", Chonbuk National University Graduate School of Business, 2004, p4
Sangho Soo, Past, Present, and Future of the Korean Financial Industry, Korea Financial Research Institute, 2001, p52
Soonki Lee, "An Empirical Study on Bank Marketing Strategies According to Changes in the Financial Environment", Chonbuk National University Graduate School of Business, 2004
Kim Ik-Doo, "A Study on the Development Plan of Domestic Banks According to Changes in the Financial Environment: Focusing on the Comparison with Domestic Branches of Foreign Banks", Kyung Hee University Graduate School of Business, 1998, p5
Financial ICT Convergence Brings Digital Finance Unlike So Far, http://wz.koscom.co.kr/archives/3056
Daeki Lee, Korea Financial Research Institute Policy Symposium, The 4th Industrial Revolution and the Future of Finance, 2017
KB Knowledge Vitamin: Use of social marketing in the financial sector (No. 13-132), KB Financial Group Management Research Institute, 2013, P2
Doosan Encyclopedia, http://www.doopedia.co.kr
Korea Information and Communication Technology Association, http://www.tta.or.kr
Busan Bank opens self-finance smart branch convergence store. blog.naver.com
Slow banking that satisfies the five senses of customers. Umpqua Bank, http://servicedesignplatform.com/archives/740
③Branches change Banks dreaming of "Apple Store", [The future of the bank], http://biz.chosun.com

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