Basic Search / Detailed Display

Author: 敖俊儒
AO, Chun-Ju
Thesis Title: 基於約略集合理論之自動櫃員機選址之關聯規則定義
The Rough Set Theory Based derivations of Association Rules for Automated Teller Machines Location Selections
Advisor: 洪翊軒
Hung, Yi-Hsuan
Degree: 碩士
Master
Department: 工業教育學系
Department of Industrial Education
Thesis Publication Year: 2017
Academic Year: 105
Language: 英文
Number of pages: 97
Keywords (in Chinese): Bank3.0多規則決策分析約略集合理論關聯規則自動櫃員機
Keywords (in English): Bank3.0, Multi Criteria Decision Analysis, Rough Set Theory, Association Rule, Automated Teller Machines
DOI URL: https://doi.org/10.6345/NTNU202202685
Thesis Type: Academic thesis/ dissertation
Reference times: Clicks: 86Downloads: 10
Share:
School Collection Retrieve National Library Collection Retrieve Error Report
  • Bank3.0時代,隨著科技的發展,銀行已漸由一個地方的概念,轉化為無所不在的服務,銀行轉型已經成為必然之趨勢,世界各地的銀行開始裁撤分行,或縮小分行規模,取而代之的,是由數位服務取代人力的「自動櫃員機」,由於「自動櫃員機」替代分行角色的任務日益重要,其設置位置,在Bank3.0時代,更為重要,雖然自動櫃員機的選址問題極為重要,但是過去少有學者專家分析,自動櫃員機的位置應該如何選擇,方能將銀行獲利最大化。因此,本研究擬依據中地理論及最小差異原則,定義自動櫃員機設點之規則。首先,本研究將回顧文獻,歸納自動櫃員機選址之準則,並導入銀行某區域自動櫃員機之地理資訊與使用頻率,導入約略集合理論,找出約簡(reduct)與核心(core),並進而定義決策規則,本研究將以國內某主要銀行實際的自動櫃員機地址,依使用率的高低,搭配電子地圖,找出地址週邊的建築物,進行資料探勘。實證研究之結果,所分析歸納的自動櫃員機選址規則,將作為銀行決策者新設置或移除低效率自動櫃員機時的依據。

    In Bank3.0 era, banking has transformed into a ubiquitous service in terms of a place, banking transformation has become an inevitable trend, increasing of worldwide banks has been reducing the number or shrinking the size of branches. The digital services are replacing manual work. The branches are replaced by Automated Teller Machines (ATMs). The location of ATMs is an important role in the Bank 3.0 era. Although the location of ATMs is extremely important, however, only a handful of scholars and experts analyzed the location of the ATMs and how the location affects the bank's profitability. Therefore, this study adopts Central Place Theory and Principle of Minimum Differentiation to set rules on selecting ATM locations. This study will first review literatures, summed up the criteria for ATM location, and into a regional ATM bank's geographic information and frequency of use. By applying Rough Set Theory to deduce the decision rule for reduction sets and core attributes. The association between neighborhood and ATM locations can be formulated. This study will be major domestic banks, the actual ATM location, data mining research was carried out by the frequency of usage, with an e-map to identify neighborhood of each ATM. As for the empirical research, selection rules of ATM locations can be analyzed and deduced to serve as a reference for decision makers during location assessment for new or removal of inefficient ATMs.

    摘要 i Abstract ii Table of Contents iii List of Table v List of Figure vii Chapter 1 Introduction 1 1.1 Research Background 1 1.2 Research Motivations 3 1.3 Research Purposes 6 1.4 Research Limitations 7 1.5 Research Methods 8 1.6 Thesis Structure 10 Chapter 2 Literature Review 11 2.1 Location Theories 11 2.2 Selection factors of individual commercial location 17 2.3 Association rules 22 Chapter 3 Research Methods 25 3.1 Rough Set theory 25 3.2 Dominance-based Rough Set Approach(DRSA) 38 3.3 Apriori algorithm 44 3.4 Modified Delphi Method 47 Chapter 4 Empirical study 51 4.1 Expert Questionnaire Survey 51 4.2 Preparation of the information table 60 4.3 Rough set theory 62 4.4 Dominance-based rough set approach(DRSA) 72 4.5 Association rules 78 Chapter 5 Discussions 83 5.1 Comparison Between RST and DRSA 83 5.2 Comparison Between RST and Apriori 85 5.3 Comparison Between DRSA and Apriori 87 Chapter 6 Conclusions 91 Reference 93

    Agrawal, R., & Srikant, R. (1994). Fast algorithms for mining association rules. Paper presented at the Proc. 20th int. conf. very large data bases, VLDB.

    Ali, M. M., & Greenbaum, S. I. (1977). A spatial model of the banking industry. The Journal of Finance, 32(4), 1283-1303.

    Alonso, W. (1960). A theory of the urban land market. Papers in Regional Science, 6(1), 149-157.

    Alonso, W. (1964). Location and land use. Toward a general theory of land rent. Location and land use. Toward a general theory of land rent.

    Anderson, S. P., & Neven, D. J. (1990). Spatial Competition a La Cournot: Price Discrimination By Quantity-Setting Oligopolists. Journal of Regional Science, 30(1), 1-14.

    Berman, B. R., & Evans, J. R. (2013). Retail management: a strategic approach: Pearson Higher Ed.

    Błaszczyński, J., Greco, S., Matarazzo, B., Słowiński, R., & Szela̧g, M. (2013). jMAF-Dominance-based rough set data analysis framework Rough Sets and Intelligent Systems-Professor Zdzisław Pawlak in Memoriam (pp. 185-209): Springer.

    Błaszczyński, J., Słowiński, R., & Szeląg, M. (2009). VC-DomLEM: rule induction algorithm for variable consistency rough set approaches. Retrieved from

    Bleijlevens, M. H., Wagner, L. M., Capezuti, E., & Hamers, J. P. (2016). Physical restraints: Consensus of a research definition using a modified delphi technique. Journal of the American Geriatrics Society, 64(11), 2307-2310.

    Brooks, K. W. (1979). Delphi technique: Expanding applications. North Central Association Quarterly, 53(3), 377-385.

    Brown, S. (1989). Retail location theory: The legacy of Harold Hotelling.

    Christaller 1933, W., & Baskin, C. W. (1966). Central Places in Southern Germany: Translated by Carlisle W. Baskin: Prentice-Hall.

    Cohen, S. B., & Applebaum, W. (1960). Evaluating store sites and determining store rents. Economic Geography, 36(1), 1-35.

    Cohen, S. B., & Lewis, G. K. (1967). Form and Function in the Geography of Retailing. Economic Geography, 43(1), 1-42.

    Craig, C. S., Ghosh, A., & McLafferty, S. (1984). Models of the retail location process-A Review. journal of retailing, 60(1), 5-36.

    Dalkey, N., & Helmer, O. (1963). An experimental application of the Delphi method to the use of experts. Management science, 9(3), 458-467.

    Davidson, W. R., Sweeney, D. J., & Stampfl, R. W. (1984). Retailing management: Wiley.

    Du, T. (2015). A GIS-based Analysis of the Hotel Locations Choice in Manhattan, New York, 1820-2012.

    Eaton, B. C., & Lipsey, R. G. (1975). The principle of minimum differentiation reconsidered: Some new developments in the theory of spatial competition. The Review of Economic Studies, 42(1), 27-49.

    El-Barmelgy, M. M., Shalaby, A. M., Nassar, U. A., & Ali, S. M. (2014). Economic land use theory and land value in value model. International Journal of Economics and Statistics, 2, 91-98.

    Faherty, V. (1979). Continuing social work education: Results of a Delphi survey. Journal of Education for Social Work, 15(1), 12-19.

    FSC. (2016). FinTech Development Strategy White Paper

    Fujita, M. (1986). Urban land use theory Location theory (Vol. 5): Harwood New York.

    Genevois, M. E., Celik, D., & Ulukan, H. (2015). ATM Location Problem and Cash Management in Automated Teller Machines. World Academy of Science, Engineering and Technology, International Journal of Social, Behavioral, Educational, Economic, Business and Industrial Engineering, 9(7), 2543-2548.

    Greco, S., Matarazzo, B., Slowinski, R., & Stefanowski, J. (2000). An algorithm for induction of decision rules consistent with the dominance principle. Paper presented at the International Conference on Rough Sets and Current Trends in Computing.

    Greene, G., Hood, K., Little, P., Verheij, T., Goossens, H., Coenen, S., & Butler, C. C. (2011). Towards clinical definitions of lower respiratory tract infection (LRTI) for research and primary care practice in Europe: an international consensus study. Prim Care Respir J, 20(3), 299-306.

    Haig, R. M. (1927). Regional survey of New York and its environs. Major economic factors in metropolitan growth and its arrangement, New York.

    Handler, S. M., Hanlon, J. T., Perera, S., Roumani, Y. F., Nace, D. A., Fridsma, D. B., . . . Studenski, S. A. (2008). Consensus list of signals to detect potential adverse drug reactions in nursing homes. Journal of the American Geriatrics Society, 56(5), 808-815.

    Hasson, F., Keeney, S., & McKenna, H. (2000). Research guidelines for the Delphi survey technique. Journal of advanced nursing, 32(4), 1008-1015.

    Ho, Y. L. (1995). Research on the Setting Strategy of Automatic Teller Machine.

    Hotelling, H. (1929). Stability in competition "Economic Journal 39 (March): (pp. 41-57).

    Johnston, R. J. (1973). Spatial structures.

    Jones, K. G., & Simmons, J. W. (1990). The retail environment: Taylor & Francis.

    Kelly, S. E., Moher, D., & Clifford, T. J. (2016). Defining rapid reviews: a modified Delphi consensus approach. International journal of technology assessment in health care, 32(4), 265-275.

    King, B. (2012). Bank 3.0: Why banking is no longer somewhere you go but something you do: John Wiley & Sons.

    Lee, C. C., & Ou-Yang, C. (2009). A neural networks approach for forecasting the supplier’s bid prices in supplier selection negotiation process. Expert Systems with Applications, 36(2), 2961-2970.

    Lee, Y. Z. (1991). Study on the Selection of Shop Stores for Chain Convenience Stores.

    Lewison, D., & Delozier, M. (1989). Retail: Principle and Practices, Charles E: Merril.

    Miliotis, P., Dimopoulou, M., & Giannikos, I. (2002). A hierarchical location model for locating bank branches in a competitive environment. International transactions in operational research, 9(5), 549-565.

    Murry, J. W., & Hammons, J. O. (1995). Delphi: A versatile methodology for conducting qualitative research. The Review of Higher Education, 18(4), 423.

    Öner, Ö. (2014). Retail location. Jibs Dissertation Series, No. 0.97.

    Parenté, F. J., & Anderson-Parente, J. K. (1987). Delphi inquiry systems. Judgmental forecasting, 129-156.

    Pawlak, Z., & Sowinski, R. (1994). Rough set approach to multi-attribute decision analysis. European Journal of Operational Research, 72(3), 443-459.

    Qadrei, A., & Habib, S. (2009). Allocation of heterogeneous banks' automated teller machines. Paper presented at the Intensive Applications and Services, 2009. INTENSIVE'09. First International Conference on.

    Reigadinha, T., Godinho, P., & Dias, J. (2017). Portuguese food retailers–Exploring three classic theories of retail location. Journal of Retailing and Consumer Services, 34, 102-116.

    Scott, P. (1970). Geography and retailing (Vol. 137): Transaction Publishers.

    Skogster, P. (2006). Location planning theories in valuation of retail premises. Paper presented at the XXIII FIG Congress.

    Słowiński, R., Greco, S., & Matarazzo, B. (2002). Rough set analysis of preference-ordered data. Paper presented at the Rough sets and current trends in computing.

    Thamaraiselvi, G., & Kaliammal, A. (2004). Data mining: concepts and techniques. SRELS Journal of Information Management, 41(4), 339-348.

    Vafadarnikjoo, A., Mobin, M., Allahi, S., & Rastegari, A. (2015). A hybrid approach of intuitionistic fuzzy set theory and DEMATEL method to prioritize selection criteria of bank branches locations. Paper presented at the Proceedings of the International Annual Conference of the American Society for Engineering Management.

    Walczak, B., & Massart, D. (1999). Rough sets theory. Chemometrics and intelligent laboratory systems, 47(1), 1-16.

    Wang, Y., & Zhou, T. (2015). An Optimization Model of Banking Outlets Integration Based on the Network Comprehensive Analysis. Bulletin of Electrical Engineering and Informatics, 4(3), 248-256.

    下載圖示
    QR CODE