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A Checklist to Improve the Fairness in AI Financial Service: Focused on the AI-based Credit Scoring Service (인공지능 기반 금융서비스의 공정성 확보를 위한 체크리스트 제안: 인공지능 기반 개인신용평가를 중심으로)

  • Kim, HaYeong;Heo, JeongYun;Kwon, Hochang
    • Journal of Intelligence and Information Systems
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    • v.28 no.3
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    • pp.259-278
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    • 2022
  • With the spread of Artificial Intelligence (AI), various AI-based services are expanding in the financial sector such as service recommendation, automated customer response, fraud detection system(FDS), credit scoring services, etc. At the same time, problems related to reliability and unexpected social controversy are also occurring due to the nature of data-based machine learning. The need Based on this background, this study aimed to contribute to improving trust in AI-based financial services by proposing a checklist to secure fairness in AI-based credit scoring services which directly affects consumers' financial life. Among the key elements of trustworthy AI like transparency, safety, accountability, and fairness, fairness was selected as the subject of the study so that everyone could enjoy the benefits of automated algorithms from the perspective of inclusive finance without social discrimination. We divided the entire fairness related operation process into three areas like data, algorithms, and user areas through literature research. For each area, we constructed four detailed considerations for evaluation resulting in 12 checklists. The relative importance and priority of the categories were evaluated through the analytic hierarchy process (AHP). We use three different groups: financial field workers, artificial intelligence field workers, and general users which represent entire financial stakeholders. According to the importance of each stakeholder, three groups were classified and analyzed, and from a practical perspective, specific checks such as feasibility verification for using learning data and non-financial information and monitoring new inflow data were identified. Moreover, financial consumers in general were found to be highly considerate of the accuracy of result analysis and bias checks. We expect this result could contribute to the design and operation of fair AI-based financial services.

Priority Analysis of Cause Factors of Safety Valve Failure Mode Using Analytical Hierarchy Process (AHP를 활용한 안전밸브(PSV) 고장모드의 Cause Factors 우선순위 분석)

  • Kim, Myung Chul;Lee, Mi Jeong;Lee, Dong Geon;Baek, Jong-Bae
    • Korean Chemical Engineering Research
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    • v.60 no.3
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    • pp.347-355
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    • 2022
  • The safety valve (PSV) is a safety device that automatically releases a spring when the pressure generated by various causes reaches the set pressure, and is restored to a normal state when the pressure falls below a certain level. Periodic inspection and monitoring of safety valves are essential so that they can operate normally in abnormal conditions such as pressure rise. However, as the current safety inspection is performed only at a set period, it is difficult to ensure the safety of normal operation. Therefore, evaluation items were developed by finding failure modes and causative factors of safety valves required for safety management. In addition, it is intended to provide decision-making information for securing safety by deriving the priority of items. To this end, a Delphi survey was conducted three times to derive evaluation factors that were judged to be important in relation to the Failure Mode Cause Factor (FMCFs) of the safety valve (PSV) targeting 15 experts. As a result, 6 failure modes of the safety valve and 22 evaluation factors of its sub-factors were selected. In order to analyze the priorities of the evaluation factors selected in this way, the hierarchical structure was schematized, and the hierarchical decision-making method (AHP) was applied to the priority calculation. As a result of the analysis, the failure mode priorities of FMCFs were 'Leakage' (0.226), 'Fail to open' (0.201), 'Fail to relieve req'd capacity' (0.152), 'Open above set pressure' (0.149), 'Spuriously' 'open' (0.146) and 'Stuck open' (0.127) were confirmed in the order. The lower priority of FMCFs is 'PSV component rupture' (0.109), 'Fail to PSV size calculation' (0.068), 'PSV Spring aging' (0.065), 'Erratic opening' (0.059), 'Damage caused by improper installation and handling' (0.058), 'Fail to spring' (0.053), etc. were checked in the order. It is expected that through efficient management of FMCFs that have been prioritized, it will be possible to identify vulnerabilities of safety valves and contribute to improving safety.

A Study on Evaluation Method for Structural Suitability of Constructed Wetlands in Dam Reservoirs as an Ecological Water Purification System (생태적 수질정화시설로서 댐 저수지 인공습지의 구조 적정성 평가방안)

  • Bahn, Gwon-Soo
    • Journal of the Korean Institute of Landscape Architecture
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    • v.50 no.2
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    • pp.23-40
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    • 2022
  • Many constructed wetlands have been installed in dam reservoirs nationwide for ecological purification of watershed pollutants, but aging and reduced efficiency are becoming issues. To improve the management of constructed wetlands, an objective evaluation of structural suitability is required. This study evaluated 39 constructed wetlands of 15 dams. First, through fogus group interview(FGI), survey analysis, and analytic hierarchy process(AHP), eight evaluation items in the physical and vegetative aspects were selected and the evaluation criteria applied with weights were prepared. Second, as a result of the structural suitability evaluation, the average score of the overall constructed wetlands was 80.8, with 10 sites rated as 'good grade(91~100)', 22 sites rated as 'normal grade(71~90)' and 7 sites rated as 'poor grade(70 or less)'. The average score of physical structure evaluation was 52.6, with 14 sites rated as 'good', 21 sites as 'normal' and 4 sites as 'poor'. The suitability of location was good level in most constructed wetlands, but the water supply system, depth of water, ratio of length-to-width, and slope of flow channel were evaluated as 'normal' or less in constructed wetlands of 50% or more. Therefore, it was found that overall improvement was necessary for stable flow supply and flow improvement in the constructed wetland. The average score of vegetative structure evaluation was 28.2, and about 84% of them were identified as 'normal' or lower. As a result of analyzing the Spearman's correlation coefficient between the physical structure evaluation score and the vegetation structure evaluation score, there was a significant correlation(r = 0.728, p < 0.001), and it was found that each evaluation factor also influences each other. As a result of the case review of 6 constructed wetlands, the appropriateness of the evaluation results was confirmed, and it was found that the location, flow rate supply, and type of wetland had a great influence on the efficiency and operation of the wetland. Through this study, it will be possible to derive structural weaknesses of constructed wetlands in dam reservoirs as a nature-based solution, to prepare types and practical alternatives for improved management of each constructed wetland in the future, and to contribute to enhancing various environmental functions.

Effects of Impact of Climate Change on Livestock Productivity - For bullocks, dairy, pigs, laying hens, and broilers - (기후변화가 축산 생산성에 미치는 영향 -거세우, 낙농, 양돈, 산란계, 육계를 대상으로-)

  • Lee, H.K.;Park, H.M.;Shin, Y.K.
    • Journal of Practical Agriculture & Fisheries Research
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    • v.20 no.1
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    • pp.107-123
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    • 2018
  • The global impact of climate change on agriculture is now increasing. The purpose of this study was to investigate the effect of climate change on livestock productivity. The variables that have the greatest influence on climate change factors were examined through previous studies and expert surveys. We also used the actual productivity data of livestock farmers to investigate the relationship with climate change. In order to evaluate the climate for changes in livestock productivity, national representative data (such as bullocks, dairy, pigs, laying hens, and broilers) were surveyed in Korea. Also, to select and classify evaluation indexes, we selected climate change factor variables as prior studies and studied the weighting factor of climate variable factors. In this study, the researchers of industry, academia, and farmers in the livestock sector conducted questionnaires on the indicators of vulnerability to climate change using experts, and then weighed the selected indicators using the hierarchical analysis process (AHP). In order to verify the validity of the evaluation index, was examined using domestic climate data (temperature, precipitation, humidity, etc.). Correlation and regression analysis were performed. The empirical relationship between climate change and livestock productivity was examined through this study. As a result, we used data with high reliability of statistical analysis and found that there are significant variables.

Procedure Development for Organizing Electronic Technical Manual of Construction Design Information and Applicability Analysis for Practical Project (건설공사 설계도서매뉴얼의 전자화 절차구성 및 실무 적용효과 분석)

  • Kang, Leen-Seok;Moon, Hyoun-Seok;Kwak, Joong-Min
    • Journal of the Korean Society for Railway
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    • v.10 no.2 s.39
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    • pp.103-111
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    • 2007
  • The existing design materials by document type are restricted in searching and acquiring necessary design information because the materials consist of huge information and various document types. This study suggests a methodology to develop an electronic technical manual that can manage construction design materials by XML-base integrated information system. Electronic technical manual for design materials can provide visualized information through various multimedia tools such as multi-link, virtual reality and animation. Using an integrated electronic manual for construction project can prevent to miss necessary design information. The results of this study includes a data flow diagram to develop an interactive electronic technical manual (IETM) for construction design information. Finally the study suggests some scenarios for practical use and quantitative analysis of application effect analysis by AHP method.

A Study on the Key Factors Influencing the Reliability of Conceptual cost estimates in Building Construction Projects (건축 프로젝트 개산견적 신뢰도에 영향을 미치는 주요 인자에 관한 연구)

  • An, Sung-Hoon;Park, U-Yeol
    • Journal of the Korea Institute of Building Construction
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    • v.8 no.4
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    • pp.53-59
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    • 2008
  • Cost estimates are very important to their decision-making in the early stages of a construction project. So Clients have wanted not only to know the results of conceptual cost estimates but also to assess their quality Conceptual cost estimates process is very complex process, so the results of cost estimates are influenced by various factors. So the purpose of this study is to reveal the key factors which influence the reliability of conceptual cost estimates in building construction projects. The analytic hierarchy process is used to determine the relative important weights of elements influencing the conceptual cost estimates. And factor analysis is used to reveal the key factors from the elements that influence the conceptual cost estimates. The results showed that the key factors is an experience level, available data level, level of will for winning the bid, difficulty level of conceptual cost estimate, uncertainty level.

Effectiveness Analysis for Required Capabilities of Tilt-rotor UAV (틸트로터 무인기의 요구능력 효과도 분석)

  • Lee, Ki Young
    • Journal of the Korean Society for Aviation and Aeronautics
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    • v.21 no.2
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    • pp.15-20
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    • 2013
  • In order to set up the optimal required capabilities to satisfy a variety of domestic and foreign demands for the Tilt-rotor UAV, MOE(Measure of Effectiveness) hierarchy was designed through an expert discussion, and the weight of the MOE was determined by utilizing AHP method. The independent MOE assessment on the required capabilities was accomplished for the current configuration, available alternatives and foreign competitive UAVs. Finally the cost-effectiveness for the alternative and competition UAV was analyzed.

The Development of the Model for Enhancing the Quality of IT Services Applying the Quantitative Analysis (정량적 분석 기법을 적용한 IT 서비스 품질 개선 모형 개발)

  • Seo, Sung-Woong;Hong, Seong-Yong
    • Proceedings of the Korean Information Science Society Conference
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    • 2011.06d
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    • pp.202-205
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    • 2011
  • 서비스 제공자와 사용자 간 이해관계를 유지하고, 제공되는 IT 서비스의 수준을 개선하기 위해서 서비스 수준관리가 필요하다. 그러나 무형의 IT 서비스는 정성적인 방법으로 평가될 수밖에 없는 한계가 존재 한다. 따라서 본 연구에서는 서비스 사용자가 동의할 수 있는 정량적 데이터를 바탕으로 서비스 품질을 향상시키는 개선 모형을 제시하였다. 이를 위해 기존 연구를 살펴보고 서비스 수준 관리 체계를 정립하였다. 본 논문에서 제시하고 있는 서비스 품질 개선 모형은 크게 4가지 방법으로 나누어 설명하였다. 첫 번째 우선관리지표를 선정하기 위해 AHP기법을 활용하였고, 두 번째 통계적 관리기법인 관리도를 이용하여 서비스 기대수준을 정의하는 방법을 제시하였다. 그리고 세 번째 측정되는 서비스 수준의 이상 유무 또는 이상 징후를 발견할 수 있는 관리도 사용방법을 설명하였다. 마지막 네 번째는 이상 원인을 해결한 후 서비스 기대수준을 재조정하는 방법을 설명하였다. 향후 연구 결과를 실제 조직에 적용시켜 검증함으로써 완성도를 높여 나감은 물론, 원인 분석 및 해결 방안에 대한 구체적인 대안을 제시하는 연구가 수행되어야 할 것이다.

A Research on the Prospect for the Future Energy Society in Korea: Focused on the Complementary Analysis of AHP and Causal Loop Diagram (한국의 미래 에너지사회 전망에 관한 연구 : 계층분석법과 인과지도의 보완적 분석을 중심으로)

  • Hwang, Byung-Yong;Choi, Han-Lim;Ahn, Nam-Sung
    • Korean System Dynamics Review
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    • v.11 no.3
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    • pp.61-86
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    • 2010
  • This research analyzed on the future energy society of Korea in 2030 using system thinking approach. Key uncertainty factors determining the future energy society were analyzed in a multi disciplinary view point such as politics, economy, society, ecology and technology. Three causal loop diagrams for the future energy system in Korea and related policy leverages were shown as well. 'Global economic trends', 'change of industrial structure' and 'energy price' were identified as key uncertainty factors determining the Korean energy future. Three causal loop diagrams named as 'rate of energy self-sufficiency and alternative energy production', 'economic activity and energy demand' and 'Excavation of new growth engines' were developed. We integrated those causal loop diagrams into one to understand the entire energy system of the future, proposed three strategic scenarios(optimistic, pessimistic and most likely) and discussed implications and limits of this research.

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A Study on Improving the Quick Six Sigma of Posco (포스코의 Quick Six Sigma 개선에 관한 연구)

  • Woong, Yoon Tae;Lee, Min Jung
    • Proceedings of the Korean Society of Computer Information Conference
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    • 2017.07a
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    • pp.178-179
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    • 2017
  • 우리나라의 최대 철강회사인 포스코는 2005년부터 품질개선을 위해서 포스코 자체의 혁신방법론인 QSS+(Quick Six Sigma)을 개발하여 실시하고 있다. QSS+는 회사 전체 직원이 개선 실천 학습을 하고, 지속적인 낭비제거를 통해 부가가치를 창출하는 활동으로 '일상개선 활동, 과제 활동, 솔선/격려활동, 인재양성' 4개의 축으로 운영되고 있다. 또한 QSS+는 오랜 시간에 걸쳐 정착되어 정부 기관, 기업, 그룹사, 외주파트너사, 공급사 및 다양한 분야에서 우수 혁신 활동 사례로 벤치마킹을 실시하고 있다. 매년 현장에서 활동하는 포스코 QSS+ 현 수준을 정확히 판단하고 향후 방향성을 제시하는 QSS+ 충실도 평가 기준을 개선하기 위하여 AHP 분석 방법을 통해 평가 항목을 분석하고 현장이 반영된 'QSS+ 평가 기준'을 제시하고자 한다.

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