의학분야에서는 오래전부터 전염병의 전파경로를 예측할 수 있는 모형개발을 위해 연구해왔다. 소수의 감염자가 인구집단 내 다수를 감염시키는 과정에서 감염자의 수가 어떤 속도로 증가되고 회복 되는지를 통해 주어진 변수에 따른 전파 경로 및 확산속도 등을 파악하는 데 기여한 바 있다. 이는 교통네트워크를 추정하는 이학분야에서 정보의 흐름을 감지하는 SNS 등 경영과학 분야에 까지 연구된 바 있다.
자산관리분야에서 자기주도형 투자자가 증가하고 있는 상황에서 세분화된 고객층에 맞춤형 대응의 효과성을 살펴보기 위해 SIR 모형을 적용했다. 미분방정식 기반의 동모형을 통해 고객관계관리(CRM) 시스템의 시뮬레이션 모형을 설정했다. 본 연구에서는 확장형 모형인 SEI로 정보흐름과 의사결정구간을 추정했으며 구간별로 어떤 전략적 접근법이 적정할 수 있는지에 대해 고찰했다. 그 결과 자산관리 로의 잠재적 고객(일정 자산 보유)은 범용의 접근전략 수준에 따라 특정 서비스에 노출되며, 구체적인 시스템적 접근 내지는 콘텐츠 수준에 따라 특정 상품을 거래하는 속도에 해당하는 계수값 베타에 영향을 준다. 이는 나아가 재투자 의사결정 수준에 까지 영향을 줄 수 있게 된다.
본 연구는 자산관리 비즈니스 환경 변화와 고객관리체계를 살펴보고 정보의 흐름이 투자 내지는 재투자로 이어지는 흐름을 연구모형을 통해 분석하고 전략적 방향을 도출한다.
In the field of biological medicine, researchers have studied to develop epidemic spreading model since quite a while ago. The studies show how a contagious disease could spread; the speed to which small number of progressor infect many others in the group of the susceptible, and how fast those are recovered. The prediction contributes to figure out what variables lead to the greatest influence(s). Studies have been conducted on scientific engineering area such as estimating transportation network, and on management science area such as detecting information flow(s) in Social Network Services. With the number of self-directed investors increased in wealth management field, this paper applies SIR model to examine the effectiveness of information provided via CRM system. The differential equation-based model is utilized in order to project simulation out of decision making process via information flow(s). The model is customized to SEI where a potential client is exposed to particular firm in wealth management industry, and makes investment decision as the firm approaches and provides ‘proper contents’ in a timely manner. The model suggests that Beta parameter increases the rate of individuals moving from susceptible status to a firm’s management sight; the exposed. Injecting proper contents to the exposed makes the exposed clients decide particular investment(s), and further leads to re-investment. This study presents the changes in the recent business environment of wealth management, and presents whether an information leads to investment decision.
In the field of biological medicine, researchers have studied to develop epidemic spreading model since quite a while ago. The studies show how a contagious disease could spread; the speed to which small number of progressor infect many others in the group of the susceptible, and how fast those are recovered. The prediction contributes to figure out what variables lead to the greatest influence(s). Studies have been conducted on scientific engineering area such as estimating transportation network, and on management science area such as detecting information flow(s) in Social Network Services. With the number of self-directed investors increased in wealth management field, this paper applies SIR model to examine the effectiveness of information provided via CRM system. The differential equation-based model is utilized in order to project simulation out of decision making process via information flow(s). The model is customized to SEI where a potential client is exposed to particular firm in wealth management industry, and makes investment decision as the firm approaches and provides ‘proper contents’ in a timely manner. The model suggests that Beta parameter increases the rate of individuals moving from susceptible status to a firm’s management sight; the exposed. Injecting proper contents to the exposed makes the exposed clients decide particular investment(s), and further leads to re-investment. This study presents the changes in the recent business environment of wealth management, and presents whether an information leads to investment decision.
