• Journal of Digital Convergence
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• v.9 no.3
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• pp.31-46
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• 2011

This research suggests for efficient operation of the e-commerce guarantee financing system in domestic industries by reviewing the definition, current situation and problems of the e-commerce guarantee financing system in operation since 2001. Throughout the 10 years of the e-commerce guarantee financing system's implementation, technological development has solved many previously concerning factors. The goal of the study is to resolve the current issues of the e-commerce guarantee financing system and offer means by which to expand the accessibility of the system to domestic industries and further assistance to firms already using the system. One of the primary policies supported by the research is the reallocation of funds from archaic means of exchanging finances to the modem e-commerce guaranteed financing methods because of the increased transparency of the trading. Specifically, the funding operated by government guarantee agencies requires systematic promotion, justifying subsidies and tax breaks to companies that are using e-commerce guarantee financing because of the increased overall transparency. In addition, the benefits of e-commerce guarantee financing as a means of funding are numerous: the promotion of good business, relaxation of credit ratings for company loans, construction of the mobile operating system for small businesses, and creation of policy flexibility in operating fund agencies run by government. Future research areas include continued collection and analysis of the above data provided and new market feedback such as direct poll surveys of the operating staff in companies using e-commerce guarantee financing agencies.

• Journal of Digital Convergence
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• v.15 no.7
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• pp.147-157
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• 2017

Recently, ICT Retail Convergence(IRC) has been rapidly increasing to improve consumer satisfaction and consumer experience. In this paper, we aim to diagnose IRC from consumers' point of view by reviewing the present status and value of IRC according to consumer purchase decision making process. Based on the previous studies in retail industry, we classified IRC into 4 types: Experience-specific tech(Virtual Reality and Augmented Reality); Information-specific tech(Artificial Intelligence and Big Data); Location-based tech(Radio Frequency Identification and Beacon); Payment-related tech(Fin-tech and Biometrics). Next, we found that there is a difference in value provided to consumers according to the type of technology, analysing the value by consumer purchase decision making process. This study can be useful to introduce IRC for improving consumer satisfaction as well as ICT and Retail. Also, it can be basic data for future technology studies with a consumer perspective.

• The Journal of Society for e-Business Studies
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• v.20 no.3
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• pp.11-28
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• 2015

Due to the mobil-centered lifestyle following the wider use of Smartphones, Mobile services, including mobile banking and mobile shopping business have increased rapidly. Also with the emergence of "Fintech", which finance combined with technology, IT based financial market is going to be highly promising. In this trend, interests mobile credit cards are increasing. But diffusion of the mobile credit card services is still in the low level. In this situation, to identify factors that influencing satisfaction and continuous usage intention on mobile credit card, this study applied innovation diffusion theory (IDT) and post acceptance model (PAM). To conducting this research, survey data were collected, and we used SmartPLS to analyze survey data. As a result of the study, perceived easy of use, image, compatibility and facilitation positively affect user's satisfaction in mobile credit cards and that such satisfaction have a positive impact on continuous intention to use. The facilitation influences user satisfaction more strongly for those who use mobile credit cards more than plastic credit cards. Also, perceived of use and image influence user satisfaction more strongly for those who use plastic credit cards more than mobile credit cards. It is expected that this study can be a guideline for credit card service providers and policy makers to invigorate mobile credit card business. Also it worths as a early-stage research on Fintech-related studies.

• Journal of the Korea Institute of Information Security & Cryptology
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• v.29 no.6
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• pp.1271-1283
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• 2019

The fourth industrial revolution and digital transformation are also bringing major changes to the financial ecosystem in Korea. Already, global financial firms overseas are opening their financial markets and exploring new financial businesses by seeking ways to co-prosperity with fintech firms. However, it is also true that the domestic financial environment has failed to respond to the changes due to its monopolistic and closed structure. In response, the government began pushing for the introduction of open banking in December 2019 with the aim of fully opening the financial settlement system. However, unlike the existing simple financial transaction structure, open banking still has an unresolved part due to the unclear relationship of responsibilities between interested parties in the event of financial accidents due to the complex linkage structure of transactions such as financial firms, fintech firms and customers. This study analyzed the security threat of open banking in depth. By doing so, the government and financial firms want to present policy proposals that need to be improved to enhance the safety of open banking in korea and protect financial consumers, as well as new financial models that have improved the vulnerable parts of existing models.

• Journal of the Korea Academia-Industrial cooperation Society
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• v.18 no.8
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• pp.181-189
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• 2017

This study examines whether the variables used in the Unified Theory of Acceptance and Use of Technology(performance expectancy, effort expectancy, social influence, and facilitating conditions) is applicable to continuous usage of uTradeHub at a time of expansion in the use of uTradeHub. In addition, the role of user satisfaction(mediating effect) and CEO support(interaction effect) in the relationship is identified attempting to provide basic data to help uTradeHub management strategy establishment. A total of 101 valid responses collected through questionnaires were used for empirical analysis(using SPSS 24.0), and the results are as follows. First, for the effect of the integration technology acceptance factor on user satisfaction(H1), only performance expectancy, effort expectancy, and social influence were significant, but facilitating conditions was not significant. Second, for the effect of user satisfaction on the continued use of uTradeHub(H2), there was a significant result. Third, the mediation effect on verification of user satisfaction(H3) was full where performance expectancy, effort expectancy, and social influence prompted continuous usage through user satisfaction. Fourth, for interactive effect verification of CEO support(H4), an interaction effect was shown only in the influence relationship of performance expectancy and social influence on user satisfaction.

• Journal of Intelligence and Information Systems
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• v.10 no.3
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• pp.73-89
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• 2004

Since people have come to access more and more information about products with the proliferation of the Internet, more and more customer-to-customer e-marketplaces are being introduced with rapidly increasing transaction volumes. As the role of customer-to-customer electronic commerce has become increasingly regarded as vital to the economy, much research has delved into developing intelligent agent systems to efficiently support customer-to-customer electronic commerce. Most of this research, however, has focused only on supporting simple negotiation for the price of common goods along the time span. To expand the negotiation object to the differentiated goods, the customer must be allowed to negotiate over multi-at-tributes of the product besides the price, including the attributes related to the transaction activity itself, such as delivery time and payment method. To satisfy this requirement, we propose an agent marketplace for differentiated goods where the agent of a customer can negotiate not only the price but also the various attributes of the product and the transaction in order to achieve a better utility level for both buyer and seller. The formal protocol and the architecture issues to support the proposed e-marketplace and agents are also addressed.

• Proceedings of the Korean Institute of Information and Commucation Sciences Conference
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• 2006.05a
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• pp.573-576
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• 2006

Recently, the standard work of the copyright of the Digital content is not completed. And the content providers are developing self's copyright protecting technique. here is some problem such as the confusion existed in the copyright protecting and management system. The reason is that the company using different technique when developing the Digital Contents. Now, there is a standard working leaded by the MPEG. It's called MPEG-21 Multimedia framework and the REL is parted of the Intellectual Property Management and Protection included the framework. And the REL's standard working is completed. The Intellectual Property Management and Protection system contain license server, tool server, metadate server and consume server. In this paper, In order to management and protect the Digital Content copyright, We applying the REL, One of the contents of the MPEG-21 framework to design and implementation the License Server manage the settlement and the consumption information and the Tool Server manage and transport the Tools used from Digital Contents formation to the Digital Contents consumption.

• Research in Plant Disease
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• v.12 no.2
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• pp.108-114
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• 2006

This study was conducted to elucidate the interactions among soil microorganisms in a special field where one, two or three of N, P, K fertilizers were continuously not applied for 29 years. Crop yield (barley, soybean), soil chemical properties and microflora and microfauna including nematodes, nematophagous fungi, actinomycetes, bacteria, and fungi were examined for two years. Tylenchorhynchus sp. was the most important plant-parasitic nematode (range $11{\sim}642/300 cm^3$ soil) followed by Pratylenchus sp. and Helicotylenchus sp. Among nematophagous fungi, Monacrosporium spp. was the most frequently found followed by Harposporium sp. and Cystopage sp. In general, plots treated with phosphate fertilizer yielded more, had more nematodes, bacteria and actinomycetes. In contrast, total fungal population densities including nematophagous fungi, Cystopage sp. and Harposporium sp. were in reverse; they were more abundant in the plots with lower phosphate contents. Phosphate and pH are positively correlated and two most important determining factors for the population density of soil organisms under investigation. According to correlation analysis, Ca, Mg, and $SiO_2$ contents in soil and population densities of Tylenchorhynchus sp., saprophitic nematodes, actinomycetes, and bacteria were positively correlated with pH, but were negatively correlated with fungal population densities. We hope that the study will add an additional knowledges to understand our mysterious underworld.

• Resources Recycling
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• v.29 no.1
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• pp.53-61
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• 2020

This study aimed to develop a foam concrete material for a ground repair system that has low strength and low fluidity by using an eco-friendly binder, which substitutes industrial by-products for more than 90% of cement. Basic properties were evaluated after substituting a small amount of calcium sulfo aluminate (CSA) for the binder to improve the sinking depth rate and volume change, commonly found when it had a large amount of industrial by-products. The substitution rates of CSA for the eco-friendly binder used for the foam concrete were 2.5, 5, and 10%. Fresh properties, hardened properties, pore structure, and hydrates were analyzed. Experimental results showed that using only 2.5% of CSA could improve the deep sinking depth which occurred when using an eco-friendly binder. As a result, the weight difference between the upper, middle, and lower parts of cast specimens was improved even after being hardened. The addition of CSA also contributed to the formation of small, uniformly sized closed pores and improved initial strength. However, when the proportion of CSA increased, the long-term strength decreased. However, it satisfied the target strength when 5% or less of CSA was used. The results of this study revealed that it was possible to manufacture foam concrete with low strength and high fluidity for repairing ground satisfying target qualities by adding 2.5% of CSA to the eco-friendly binder containing a large amount of industrial by-products.

• Asia-pacific Journal of Multimedia Services Convergent with Art, Humanities, and Sociology
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• v.9 no.6
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• pp.773-782
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• 2019

Basel III (Third Basel Accord or Basel Standards) is a global, voluntary regulatory framework on bank capital adequacy, stress testing, and market liquidity risk. Basel III regulatory ratios include capital adequacy, asset soundness, and liquidity. The capital adequacy variables include BIS capital adequacy ratio, BIS tier 1 capital ratio, and tangible common equity ratio. The asset soundness variables include non-performing loan ratio and non-performing loan coverage ratio. The liquidity regulation variables include KRW liquidity coverage ratio and foreign currency liquidity coverage ratio. This study aims to investigate how capital adequacy standard affects efficiency of internet primary banks. As a result of this study, BIS capital adequacy ratio of domestic internet primary banks is lower than that of commercial banks. In order to maintain sustainable operation considering capital adequacy regulations, it is necessary to expand additional capital. In addition, the delinquency rate and non-performing loan ratio of domestic internet primary banks is gradually increasing due to the maturity of high-yield loans in 2019.