Tariff Packages Research Articles

Designing mobile operator’s tariff package pricing scheme based on user’s internet behavior

Given the rapid growth of the mobile internet market, high-priced telecom packages are limiting the growth of mobile internet use. Telecom operators and internet companies are working together to offer free-flow packages. This paper proposes a complete content selection and package pricing scheme (CSPPS) based on data provided by a telecom provider. This paper first conducts a feasibility analysis on the free traffic package scheme. By analyzing users’ usage detailed records (UDRs), this paper identified a model for user internet behavior. A scheme for content selection was developed based on this model. To discover users’ online timing characteristics, we developed a tensor decomposition factor model. To complete the package pricing process, a two-sided market model and SoftMax algorithm were combined. Performance evaluations were conducted using real data from China Unicom. According to our experimental results, our package selection scheme is effective for different scenarios.

Hierarchical Fuzzy Method of Comparing Bank Products with Complex Tariff Packages

The article considers a method for solving an information asymmetry problem that is relevant for the banking sector. The authors compare bank products and services in which tariff packages are consist of different informational components. The principal feature of the proposed method is to focus on obtaining a subjective evaluation of the attractiveness of the Bank’s offers for specific target groups. This makes the proposed method relevant for Central and commercial banks, as well as for consumers of banking products. Since complex tariff packages of different banks contain not only many indicators but also different sets, it is impossible to directly compare them. The proposed method allows solving the main informational problems of traditional methods for comparing banking products. Using the Fuzzy Inference System (FIS) allows a flexible approach to the aggregation of singular indicators of tariff packages and simplifies the expert procedures. To make rules for fuzzy inference, linguistic constructions close to the natural language can be used. This makes it easier to fill the knowledge base. To solve the set tasks, a methodology for constructing hierarchical FIS is used. In comparison with non-hierarchical FIS it can reduce the requirements to the number of rules in fuzzy inference rule base and system implementation time. The experiments with the fuzzy inference system, which implements a corporate credit cards tariff packages comparison of four Ukrainian banks, showed the effectiveness of the proposed approach. The obtained numerical results are adequately interpreted for the highlighted groups of banking product consumers

ОБСЛУГОВУВАННЯ КЛІЄНТІВ У ФІНАНСОВИХ ІНСТИТУЦІЯХ: АСПЕКТИ ПАРТНЕРСЬКОГО МАРКЕТИНГУ

The article describes the main aspects of improving customer service of the bank using elements of affiliate marketing. The formation of high attractiveness of the bank for the client by establishing strategically promising partnership relations presents the formation of high attractiveness of the bank for the client. The bank expects long-term economic benefits, and the client expects to receive an acceptable level of service. The main aspects of KREDOBANK JSC activity are analyzed, and it is noted that the bank is a leader in providing banking services in Western Ukraine. These services include retail and business lending, bank card and account servicing, valuables storage services, and more. To assess the current situation regarding the customer base and establish partnerships with customers, increase the attractiveness of JSC "KREDOBANK" conducted a survey of retail customers on the basis of questionnaires. Based on the analysis of the survey results, the strengths and weaknesses of the studied bank were identified. The positive side is that most of the bank's customers are economically active people with stable monthly incomes. At the same time, new opportunities were identified to attract new clients, namely student youth. This category of the population in the future, with a well-formed policy of the bank in terms of customer service, may become its customers in the segment of the economically active population. Therefore, a new package of services "Student" was developed and proposed, which on the basis of the existing tariff package of the bank, provides lower tariffs, reduced commission for transactions, lower interest on a loan for small amounts, extended grace period when using an overdraft. As a result of the study, along with the positive elements (staff competence, level of communication, bank reliability), such negative trends in customer service as low speed of customer service, lack of understanding of customer needs (in some cases). In order to eliminate these negative elements and increase the level of customer service, it is proposed to improve the existing Internet banking system. These improvements apply to the mobile application: it is proposed to update its design, expand functionality, eliminate malfunctions.

Insurance of active and extreme types of tourism in Ukraine: current situation and prospects

The purpose of the article is to analyze the modern state and problems of insurance of active recreation and extreme types of tourism in the market of insurance services of Ukraine and develop measures to improve them. The study used methods of comparison, analysis and synthesis, and the method of generalization. In order to rank insurance companies in accordance with their attractiveness to customers for insurance of active recreation and extreme tourism, the authors proposed criteria and developed their own methods of carrying out the estimation of the companies. The market for active and extreme tourism is developing quite rapidly. Tourists who prefer active and extreme recreation are a high-risk group, and tourist safety is a top priority and depends on quality insurance. The share of insurance companies in Ukraine going in for travel insurance is about 10% of their total. The conducted study of insurance services in the sphere of tourism indicates the following features of this market in Ukraine: the lack of insurance packages for active recreation and extreme tourism in the packages of individual companies; the lack of a unified regulatory approach to classification of tariff packages and the attribution to them of certain types of tourism; high cost of insurance services and the presence of restrictions in insurance of certain extreme types of tourism. The authors selected the criteria when ranking insurance companies in the extreme tourism insurance sector: availability of transparent policy programs to insure active recreation and extreme tourism, availability and adequacy of pricing policy, customer comments, economic indices of companies’ activities. One of the priority ways to develop insurance services in this sector is the introduction of European insurance practice for specialized types of active and extreme tourism through the activities of tourist clubs and associations that will attract a wide. The article for the first time analyzes in detail the problems of insurance of active recreation and extreme tourism in the market of insurance services of Ukraine, offers its own approaches to the methods of rating insurance companies in the field of active recreation and extreme tourism. The present international experience in providing similar insurance services is described and the ways of its implementation in Ukraine are considered. The practical significance of the obtained results is that the conducted assessment of the insurance market of active and extreme tourism can be used at different levels from local to national, in particular: when choosing travel insurance packages for both individuals and tour operators or travel agents; to improve insurance packages by insurance companies of Ukraine; public organizations, associations promoting the development of active and extreme tourism; to improve insurance policy at the state level.

Foreign currency services of advanced banks of Ukraine for seamen

The paper is devoted to the analysis of currency services of the leading banks of Ukraine for seafarers. The authors analyzed currency transfers of various banks in Ukraine, banks that provide services to seafarers, banks that cooperate with crewing companies. Terms of currency transfers from and to Ukraine and abroad, conditions of receiving foreign currency funds in accordance with the legislation of Ukraine. Conditions for opening dollar and euro accounts in Ukrainian banks, opening card accounts, restrictions on withdrawing currency from Ukrainian accounts. Bank power of attorney is free of charge. Ability to withdraw cash abroad without commission. Convenient currency exchange, online payments in the Internet banking. Savings account with higher interest rates. They showed statistics on the volume of money transfers, the benefits of tariff packages for seafarers, the possible consequences for the client in the case of using payment cards. New banking accounts management philosophy that is developed for different needs of different clients: account with increased interest rate for the funds’ remaining balance, pension account for people receiving pension or social allowances, account for sailors as well as current and salary accounts. Features of lending to seafarers in Ukraine. Possible consequences for the client in the case of using consumer loans. Each seafarer prepares a package of documents before departure and provides it through the crewing of his employer. One of the most important, first of all, for the sailor is a scan of bank account details. How and in which bank to open a dollar or euro account for a Ukrainian sailor, so that there is less commission and account conditions. We took four banks, the services of which are most often used by sailors.

Analisis Biaya Penyakit Stroke Pasien Jaminan Kesehatan Nasional di RSUD Blambangan Banyuwangi

Cost analysis of chronic diseases in health care facilities during JKN is needed as quality and cost control. Stroke is a high cost, volume, and risk, catastrophic disease that can cause an increase in medical expenses, which requires special attention. The purpose of this study is to provide an overview of real costs and cost components, providing an overview of the direct medical costs and tariff packages of INA-CBGs based on the type of stroke, and the factors that affect direct medical costs. This study is a descriptive-analytic observational study according to the hospital perspective. Data was taken retrospectively. The subjects of the study were adult JKN patients who were aged ≥18 years old with a stroke diagnosis that entered the inclusion criteria. The research variables included age, gender, type of stroke, comorbidity, hospitalization class, length of stay (LOS), and real costs. Data analysis used univariate, bivariate and multivariate analysis. The research results obtained total real costs of Rp. 1,525,236,503 with an average cost of Rp. 4,872,960, the largest cost component was the cost of drugs and BMHP Rp. 402,248,555 (27.21%). The real cost of hemorrhagic strokes is Rp. 572,969,865 and the INA-CBGs tariff package is Rp. 483,804,000, the real cost of ischemic stroke is Rp. 1,107,055,700. There were significant differences in real cost from class factors and length of stay (p-value <0.005). The concluded that the INA-CBGs tariff package is insufficient to finance hospitalized patients with hemorrhagic strokes (-Rp89.165,865), but sufficient for ischemic stroke (+Rp.154,789,069).

Simulation analysis of quality of business in IP networks

In this paper, we propose a simulation model for mapping Quality of Service (QoS) parameters to Quality of Business (QoBiz) in IP networks. We assume that Internet Service Provider (ISP) offers tariff packages based on the proposed QoS to QoBiz mapping and users? requirements. Available bit rate and security are chosen as the key QoS parameters, and price is selected as a main QoBiz parameter from users? perspective, while revenue singles out as the main QoBiz parameter from ISP?s perspective. We also assume that ISP applies hybrid pricing so that price reduction is performed depending on QoS violation, defined through network load. The simulation model is conducted using agent-based simulation methodology. Agents can be seen as autonomous units that mutually interact in the environment. In this research, users and ISP are observed as simulation agents and IP market is seen as the environment. Output parameters in the simulation analysis are ISP?s revenue and service price. The proposed model enables direct reflection of QoS violation on service prices and consequently on ISP?s revenue. Simulation results show prices decrease for most of the tariff packages.

Study of matching model between tariff package and user behavior

As the telecommunication market in China becomes increasingly mature, operators have begun to focus their primary effort on user management; within this focus, determining the proper tariff package for users and offering them relevant recommendations are key issues to resolve. This paper introduces a matching model that links tariff packages and users' usage behavior (e.g., the total minutes used, data usage, etc.) based on the market segmenting theory. Microsoft Visual Fox Pro 9.0 is selected as the development tool to implement the matching model, while the tariff packages and user behavior data for a city branch of China Mobile are used to validate the model.

Home Energy Management within Smart Grid via WSN

This paper presents a framework for a home automation scenario within a Smart Grid System. The framework is designed to schedule appliances at less expensive hours to decrease the cost of energy usage at home. The important factor of comfort degradation is also addressed using proposed framework. The framework consists of a Wireless Automatic Metering System that helps in solving various issues of electricity expenses and provides the user with information such as different schemes and tariff packages. Through the proposed framework for home automation, the user will be able to control and reduce the energy expenses using an interactive GUI.

5 Home Energy Management within Smart Grid via WSN

This paper presents a framework for a home automation scenario within a Smart Grid System. The framework is designed to schedule appliances at less expensive hours to decrease the cost of energy usage at home. The important factor of comfort degradation is also addressed using proposed framework. The framework consists of a Wireless Automatic Metering System that helps in solving various issues of electricity expenses and provides the user with information such as different schemes and tariff packages. Through the proposed framework for home automation, the user will be able to control and reduce the energy expenses using an interactive GUI.

Home Energy Management within Smart Grid via WSN

This paper presents a framework for a home automation scenario within a Smart Grid System. The framework is designed to schedule appliances at less expensive hours to decrease the cost of energy usage at home. The important factor of comfort degradation is also addressed using proposed framework. The framework consists of a Wireless Automatic Metering System that helps in solving various issues of electricity expenses and provides the user with information such as different schemes and tariff packages. Through the proposed framework for home automation, the user will be able to control and reduce the energy expenses using an interactive GUI.

Comparison of pre-paid rating methods

Despite the attractive post-paid tariff packages a lot of subscribers choos pre-paid mobile subscriptions worldwide to gain more control on their spending. Usually services requested by pre-paid subscribers are rated by intelligent node platforms in a real-time manner, but the implementation of these systems varies from vendor to vendor and there are several key characteristics which shall be taken into consideration when comparing these systems. This article summarizes some of these major characteristics and gives analytic methods to calculate the number of unit reservation messages and ratings which are important indicators to size (dimension) these systems when a new service is introduced to the mass market. Our analytic calculations are confirmed by simulation results.

New service development using GAP-based QFD: a mobile telecommunication case

Quality function deployment (QFD) is a customer-oriented structural development approach. Along the gaps in the circle of service satisfaction, a new model of service quality function deployment (SQFD) has been established to develop new service. The purpose of this paper is to provide a new service development approach both in terms of academic model and practical application. A Chinese mobile telecommunication case study (tariff package design) has been employed to verify and revise the model. The findings are that, although a concise model is adopted unusual according the actual service situation, the GAP-based QFD model expands the investigative scope of GAP study from GAP 1 and/or GAP 5 to GAP 1 to GAP 5. It has also been found that it is a useful tool to develop new service using a reasonable and delicate combination of Kano model, SERVQUAL scales, and GAP circle, although several further directions are presented in the latter part of the study.