• Journal of Venture Innovation
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• v.1 no.1
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• pp.15-27
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• 2018

Interest in Fintech is extremely growing as O2O which means the binding of online and offline appears. The scale of private consumption in South korea reached about 700 trillion won, however, the online trading is only about 60 trillion won, which means 640 trillion won is still trading in offline. The reason the Fintech industry comes into the spotlight is because the foundation of related industries such as the rise of mobile traffic and the fast growth of the financial transaction through the mobile channel is forming. Especially, the introduction of payment systems among these Fintech industries offers convenience to the consumer. Mobile payment has been generalized in daily life such as utility bills and taxi fares. Use of O2O service in various industrial fields in commerce gives convenience to consumers and increase in sales to business in recent commercial transaction which is moving to on-demand channel services. People in smartphone life are supposed to find more convenient services for saving time using their phone, and this kind of environment makes the ordering goods and services through Fintech payments increase. The emergence of O2O services influences the development of Fintech industry and the emergence of convenient and reliable Fintech service through the deregulation of Fintech also affects the activation of O2O services. The complementary relationships between O2O services and Fintech would contribute to economic activation. From the standpoint of the researchers, I would like to further study the methods that can lead to a new paradigm of the financial payments industry through the development of Fintech and the drafts for the market expansion of the current offline commerce making it online in the advent of O2O services in variety industries.

• Journal of Broadcast Engineering
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• v.25 no.2
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• pp.218-232
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• 2020

Data home shopping is a kind of T-commerce service with traditional TV home shopping, product DB of data broadcasting, and advantages of catalog shopping based on data broadcasting technology. Since the data home shopping service was partially started in 2012, there were no in-depth researches regarding the perception of data home shopping. Therefore in this paper, the traditional TV home shopping and data home shopping is analyzed how the perception is in terms of platform quality, service quality and content quality and what the difference in perception is. To verify this, a questionnaire survey was conducted on TV home shopping and data home shopping 140 workers who have good understanding of data home shopping. The results showed that the difference of platform quality, service quality and content quality between TV home shopping and data home shopping was significant and TV home shopping had better quality. In terms of platform quality, TV home shopping was 3.75 on a five-point scale and data home shopping was 2.93. Service quality was significantly different between TV home shopping (3.60) and data home shopping (3.25). For the quality of contents, TV home shopping had better quality as 3.21 while data home shopping was 2.82. There was no interaction effect in gender, age, position, and work field except between the age and platform quality.

• Archives of design research
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• v.19 no.5 s.67
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• pp.383-394
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• 2006

In 2005, Giorgetto Giugiaro unveiled the Ferrari GG50 at the 50th anniversary celebration of his design career. Beginning his career at the age of 17, he is a master designer who has achieved design revolution by uniting creativity, design methodology, and technology. He has been awarded a number of international prizes for his exquisite achievements and reputation for car design. Carrozzeria of ITAL DESIGN, founded by Giugiaro, is a company whose ideas combine cutting-edge technology and high quality craftsmanship. Beginning in car design, ITAL DESIGN achieved a positive reputation internationally and, since 1999, has expanded even more rapidly under its new name, ITAL DESIGN-GIUGIARO. The owner of 12 affiliates worldwide, all service systems are buyer-oriented, ensuring the highest level of technical consulting. Beginning with the 1971 Alfa Romeo Alfasud, the 1st major project, more than 100 cars have been designed in the past 35 years, leading to the production or in million cars by major motor companies around the world. Giugiaro has focused on practical performance as well as external beauty in his car design, the best of which enter the mass market. With his philosophy of "I want to be the 1st customer of my design" Giugiaro design invites customer participation and input to meet their needs and demands. Free from the routine, typical image, Giugiaro design has raised the bar for creativity and thinking beyond traditional values and ideologies.

• The Korean Journal of Applied Statistics
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• v.30 no.3
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• pp.363-376
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• 2017

The insurance market is saturated and its growth engine is exhausted; consequently, the insurance industry is now in a low growth period with insurance companies that face a fierce competitive environment. In such a situation, it will be an important issue to find the probability distributions that can explain the flow of insurance claims, which are the basis of the actuarial calculation of the insurance product. Insurance claims are generally known to be well fitted by lognormal distributions or Pareto distributions biased to the left with a thick tail. In recent years, skew normal distributions or skew t distributions have been considered reasonable distributions for describing insurance claims. Cooray and Ananda (2005) proposed a composite lognormal-Pareto distribution that has the advantages of both lognormal and Pareto distributions and they also showed the composite distribution has a higher fitness than single distributions. In this paper, we introduce new composite distributions based on skew normal distributions or skew t distributions and apply them to Danish fire insurance claim data and US indemnity loss data to compare their performance with the other composite distributions and single distributions.

• Journal of the Society of Cosmetic Scientists of Korea
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• v.23 no.1
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• pp.75-132
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• 1997

피부는 항시 산소와 접촉하고 있고 자오선 조사에 크게 노출되어 있다. 따라서, 활성산소종으로 유도된 피부의 광산화적 손상 위험이 실질적으로 증가하고 있다. 활성산소종이란 한 무리로서 수퍼옥사이드 음이온과 히드록실 라디칼과 같은 산소 중심의 라디칼을 포함할 뿐만 아니라, 과산화수소나 싱글렛 옥시전과 같은 몇 종류의 비라디칼종들, 그 외의 다른 것으로, 활성산소종과 생체 성분과의 반응으로 유래된 과산화 라디칼, 알콕실 라디칼, 히드로과산화물 식세포에서 살균작용을 나타내는 HOCl등을 포함한다. 피부에는 복잡한 항산화 방어망이 발달되어 활성산소종에 대항하여 보호작용을 한다. SOD, 카탈라아제, 글루타치온퍼옥시다제 등의 항산화효소와 $\alpha$-토코페롤, 아스코르브산, 카로티노이드 등의 비효소적 항산화 물질들이 피부 항산화 방어망을 구축하고 있다. 그러나 계속된 자외선에의 노출로 생성된 과잉의 활성산소종은 실질직으로 피부의 효소적 그리고 비효소적 항산화 방어를 위태롭게 한다. 따라서 균형은 산화상태 쪽으로 유리하게 기울어진다 결과적으로 산화적 스트레스는 세포 성분들에 대한 손상을 야기시킨다. 지질 과산화, 단백질 산화, 탄력 섬유인 콜라겐과 엘라스틴의 사슬절단 밀 비장성적인 교차결합, 히아루론산 사슬의 절단, 멜라닌 생성반응 촉진, DNA 산화와 같은 생체 구성 성분들의 손상이 일어난다. 결국에는 탄력감소, 주름살 및 기미, 주근깨 등으로 특징 지워지는 피부노화가 가속화된다. 따라서 필요한 항상화제를 함유한 식품이나 화장품을 통한 계속적인 항산화제 보충으로 피부 항산화 방어망을 견고히 할 때 피부노화는 지연되고 억제될 것이다.주거를 구분하고 있는 것으로 조사되었으나, 아직까지 절반 가량(52.2%)의 상점들이 다른 사람 소유의 건물을 전 ·월세로 임대하여 사용하고 있음을 알 수 있었다. 이상에서 살펴본 바와 같이 고수동굴 주변의 상업적 특성은 90년대에 들어서면서 자기 고장에 있는 관광자원을 내 고향의 자랑거리로 생각하고 이를 지역발전의 밑거름으로 활용하고자 하는 인식이 늘어나고 있음을 알 수 있었다. 그러나, 관광지로서의 특성이라 할 수 있는 다른 관광동굴과의 차별성이 부족하다고 할 수 있다. 즉 다른 지역의 기념품점에서 구입할 수 없는 고수동굴만이 갖고 있는 특징적인 기념품을 판매함으로써 관광객의 구매욕구를 높인다거나 고수동굴의 일주관광 후 관광객을 좀 더 머무르게 할 수 있는 시설의 개발이 더 필요하다.유의한 차이를 나타내는 항목이 많았으며 12주에서 vehicle과 유의적인 차이를 나타내는 항목도 많으므로 3-APPA가 APSA 보다 광범위한 피부노화 억제 효과를 갖는 물질이라고 할 수 있다.주도적 역할을 수행해야 할 것이다. 넷째, 선박금융제도의 개선과 신금융상품의 개발이 요구된다. 내수 수요인 계획조선의 지원조건을 개선하고 연불수출자금을 BBC자금으로 활용토록하여 국내 선주들의 신조를 유도해야 할 것이다. 그 외에 향후 금융개방화에 맞추어 해외자금을 활용한 리스금융, 상사금융 등의 민간신용제도를 더욱 활성화하고 선진국의 선박금융기법에 대한 연구 및 도입 등 선주들에게 다양한 선박건조자금을 제공하여 내수기반 확충에도 노력해야 할 것 이다.있었다., 인삼이 성장될 때 부분적인 영양상태의 불충분이나 기후 등에 따른 영향을 받을 수 있기 때문에 앞으로 이에 대한 많은 연구가

• 한국HCI학회:학술대회논문집
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• 2006.02b
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• pp.185-190
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• 2006

휴대폰 산업의 발전과 더불어 발전해온 휴대폰 서비스는 최근 단순한 정보 제공을 넘어 생활에 중요한 도구로 활용되는 모습을 보인다. 최근 등장하는 휴대폰 서비스는 종류가 다양하고 최신 휴대폰과 결합되어 복잡해져 사용자로 하여금 필요한 서비스를 선택하여 조작하는 것까지 전반적인 사용 과정의 어려움을 가져왔다. 더군다나 휴대폰 서비스는 무형의 상품이기 때문에 직접 조작해보지 못하고 사용해야 하며, 이것은 사람들로 하여금 불안감을 갖도록 한다. 따라서, 본 연구에서는 휴대폰 서비스에 대한 불안감을 줄이고 사용을 확장시키는 방법으로 서비스를 직접 만지고 조작해볼 수 있는 사전 체험을 제안하며, 이를 위한 도구로 웹사이트를 활용하는 방안을 제안한다. 웹사이트는 상호작용적인 매체로써 자연스럽게 사용자가 참여하고 개입하도록 유도하는 매체이며, 다양한 시각적, 청각적 미디어를 활용할 수 있어 감각적 체험을 제공하는데 유리하다. 또한 다른 매체와 비교해 웹사이트는 공간적, 시간적 제약이 적어 많은 사람들이 원하는 시간에 접근하도록 한다. 또한 이성과 감성적인 정보를 통합적으로 처리하는 인간의 특성을 고려해 볼 때, 정보와 재미를 함께 제공할 수 있는 웹사이트의 특성은 효과적이라 볼 수 있다. 마케팅 측면에서 보더라도 저렴한 비용으로 많은 사람들에게 정보를 전달할 수 있고, 사용자들의 행동을 측정해 데이터베이스화 한 후 후에 활용할 수 있다. 이러한 점들을 통합해보면 웹사이트는 휴대폰 서비스를 체험해보도록 하는 공간으로 적합하다고 볼 수 있다. 웹사이트에서 가상 체험을 효과적으로 활용하기 위해서 사용자들의 체험 과정에 어떠한 요인이 영향을 미치는지 알 필요가 있다. 이를 위해 본 연구에서는 현재 휴대폰 서비스 체험 사이트들의 체험 제공 방식을 분석해 유형을 나눈 후에 사용자 조사를 통해 사용자들에게 선호되는 방식과 체험 과정에 영향을 미친 요인을 고찰한다. 그리고 최종적으로 이러한 요인이 실제 휴대폰 서비스에 대한 호감과 어떤 관계를 갖는지 알아본다. 본 연구에서는 이를 위해 최근 가장 높은 이용률을 보이고 있는 20,30대 휴대폰 서비스 사용자 100명을 대상으로 2005년 10월 20일~30일에 설문조사와 간단한 인터뷰를 실시하여 선호 유형과 체험에 영향을 미치는 요인을 도출하였으며, 서비스 호감과의 관계를 알기 위해 이 중 가장 관여도가 높았던 17명을 대상으로 2005년 11월 10일~15일에 심층 인터뷰를 실시하였다. 사용자 조사 결과, 분류된 유형 중 체험방식에서는 개입의 정도가 클수록, 사용상황 안내방식에서는 가상공간과 메뉴로 제공하는 방식을, 사용방법 안내형식에서는 휴대폰 전체 이미지를, 마지막으로 표현형식에서는 일러스트레이션과 영상을 가장 선호하는 것으로 나타났다. 체험에 영향을 미치는 요인은 체험적 측면,정보제공 측면,웹사이트의 측면으로 구분되었으며 휴대폰 서비스의 호감과의 관계에서는 체험적 측면과 정보제공 측면은 서비스에 대한 호감과 깊은 관계를 갖고 있는 것으로 나타난 반면에 웹사이트의 측면은 서비스와 직접적인 관련을 짓지 않는 것으로 나타났다.

• Journal of the Korea Academia-Industrial cooperation Society
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• v.15 no.8
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• pp.4831-4843
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• 2014

Magazines on specific genres have been operating collaborative, co-working and collective production systems for value maximization using an adaptation strategy on the dynamic, complex and uncertain value network of the magazine industry. The study used a case study method, and data collection was performed by observational research, depth interviews and survey research. The subjects of the study were 'magazine industry', 'magazine firm and community', and 'collaboration system within creative users'. According to the research results, the ecosystem of magazines on a specific genre has been evolving into an innovative value network system, which is combined with the magazine firm, community users and magazine platform. Second, the rapid introduction of smart device environment changes the way of the collaborating system, in which an action and interaction came out within the community, creative users and magazine firms. Third, the production agency shows strong action and interaction, which fits the magazine platform within the ecosystem of a magazine on a specific genre well. This model has a similar fractal structure to the game, publishing, drama, movie, comic, and animation contents industry, converging to an innovative technology-based-creative-industry.

• Journal of Service Research and Studies
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• v.10 no.1
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• pp.17-31
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• 2020

Open banking, the global trend of the financial industry, is the driving force behind various innovations in the financial market in the future. The right policy direction and detailed tasks are important for triggering the differentiation and reunion of the financial industry. The purpose of this study is to investigate and analyze the background of open banking, domestic and international trends, and Korea's open banking policy. The policy directions and tasks for successful settlement and activation of open banking system are carefully suggested. Open banking is a policy to allow third party provider(TPP) access to bank accounts and open payment functions under the explicit consent of the customer. The opening of the open banking era is expected to begin competition and cooperation between banks and fintech companies in earnest, thus enhancing the competitiveness of the financial industry and contributing to the utility of financial consumers. To this end, policymakers should make every effort to advance open-ended financial settlement infrastructure, open banking legal grounds, and minimize side effects such as customer data leakage and poor financial system stability. Banks and fintech companies will need to focus on scattered customer financial information on a single platform and develop it into a convergence and discrimination of true financial services.

• Cartoon and Animation Studies
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• s.41
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• pp.187-222
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• 2015

The quantitave increase and qualitative development in the game industry leads to bitter competition and makes game companies struggle to find better ways promoting their own games. The game trailer is one of the critical ways to publicize diverse games by showing visual images directly. There are three reasons why the game trailer comes into the spotlight these days; the rapid growth of the Internet speed handling the large size of files, the remarkable development of visual image quality just like digital movies, and the advent of video websites such as You Tube that shows huge amount of videos regardless of the type and size. However, there are not enough amount of research on the game trailer because using game trailers as the marketing source is still at an early stage. Therefore, this research focuses on providing characteristics of game trailers that are available for practical market analysis. First, this research shows that game trailers can be divided by the category of display, style, and contents type. Second, this research provides the component parts of game trailers that are divided into contents factors such as characters, backgrounds, events and promotional factors such as title, production company name, distribution company name. Third, this research explores research frames that would be needed to analyze marketing strategies, effects of game trailers, production pipelines and so on. These categorizations would be useful for producing game trailers efficiently and utilizing them effectively.

• Journal of Korean Society of Environmental Engineers
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• v.28 no.3
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• pp.270-275
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• 2006

The cultivated pearls collected for the study were pretreated through the removal of contaminants and the surface bleaching for easy dyeing. Coloring of pearls are necessary after selecting dyes adsorbable to the Conchiolin layer, a kind of hard protein formed in the seawater, covering the surface of the pretreated pearls. Dyes adsorbable to the Conchiolin layers are mostly basic dyes such as Rhodamine 6G(R6G), Rhodamine B(RB), Methylene Blue(MB) etc. and the binary and ternary competitive adsorption were performed by mixing two or three dyes together. The multi-dye adsorption data were compared with the predictions from the ideal adsorbed solution theory(IASI) combined with the single-dye adsorption model, the Langmuir or the Redlich-Peterson(RP) model. The quality of prediction was compared by using determination coefficient($R^2$) and standard deviation(SSE) values. Predictions from the IAST were found to be in good agreement with the data for the R6G/RB binary adsorption to the pearl layers not fractionated with their size, except for the adsorption data for RB at high concentrations. Among the three binary adsorption systems, R6G/RB, R6G/MB, and MB/RB, only the RB sorption data in the R6G/RB binary system was in poor agreement with the IAST prediction. Competitive adsorption data in ternay systems were in good agreement with the predictions from the IAST except for the RB data.