• Management & Information Systems Review
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• v.38 no.1
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• pp.103-120
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• 2019

Recently, as mobile banking enables to instantly provide the customized service in accordance with customer demand via information technology. With this individual customized service, mobile banking plays a role of transforming the existing offline banking strategies. However, contrary to expectation, the mobile banking service has not been widely used to the extent that it can replace offline banking service. Therefore, the current study aims to explore the antecedents to affect customer's usage of mobile banking. Specifically, the antecedents influencing the intention to use and actual usage of mobile banking include personal-innovation fit, positive psychological capital, and service quality factors, which reflect the innovative technology characteristics of mobile banking. Furthermore, the paper also analyzes the effect of mobile banking service on intention to use and actual usage of mobile banking service. With empirical analysis using Structural Equation Modeling for 195 mobile banking users, the results showed that user's ability fit, value fit, and positive psychological capital positively affected user's future intention to use and actual usage of mobile banking. Furthermore, the current paper also found the significant moderation effect of usage purpose of mobile banking (banking task and online stock exchange) in the relationship between positive psychological capital and intention to use. This study suggests that banks need to develop mobile banking services that reflect customer's IT usability as well as their pursuing purpose and value.

• Economic Analysis
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• v.25 no.1
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• pp.1-33
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• 2019

This paper examines the economic factors that are related to the dynamics of the variance risk premium, and specially, which economic factors are related to the forecasting power of the variance premium regarding future index returns. Eleven general economic variables, eight interest rate variables, and eleven sentiment-associated variables are used to figure out the relevant economic variables that affect the variance risk premium. According to our empirical results, the won-dollar exchange rates, foreign reserves, the historical/implied volatility, and interest rate variables all have significant coefficients. The highest adjusted R-squared is more than 65 percent, indicating their significant explanatory power of the variance risk premium. Next, to verify the economic variables associated with the predictability of the variance risk premium, we conduct forecasting regressions to predict future stock returns and volatilities for one to six months. Our empirical analysis shows that only the won-dollar exchange rate, among the many variables associated with the dynamics of the variance risk premium, has a significant forecasting ability regarding future index returns. These results are consistent with results found in previous studies, including Londono (2012) and Bollerslev et al. (2014), which show that the variance risk premium is related to global risk factors.

• Korea Trade Review
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• v.48 no.2
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• pp.175-195
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• 2023

This study is for analyzing the relation between Korean Water transport and the other main countries Water transport. In the Free trade system, Maritime transport has a high impact on the global economy as well as the each countries. The division of labor through the global value chain(GVCs) has became the ordinary activity in business, and in Maritime shipping,, there are the International trade among countries. Therefore, This study analyze relation of Korean water transport and other 13 regions using World Input-Output Table(WIOT) by Asia Development Bank(ADB). The result of analysis, the proportion of intermediate goods in the input structure of Korean water transport is about 70%, and the ratio of using domestic products is higher than the major European countries. However, since 2000, intermediate inputs from foreign countries have steadily increased, and added value has decreased. Countries with a high relation with Korean Water transport industry are United States(USA) on the input structure, Singapore(SIN) and Japan(JPN) on the distribution structure. Analyzing the relation through the production inducement coefficient, Singapore(SIN) has the high relationship with Korean Water transport industry.

• Journal of Venture Innovation
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• v.6 no.3
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• pp.221-240
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• 2023

In a recent study conducted in South Korea, a nation grappling with the implications of an increasingly super-aged society, researchers empirically analyzed the factors influencing seniors' satisfaction with financial institutions' wealth management (WM) services. We surveyed 250 seniors who utilized financial institutions' wealth management services. Independent variables such as product(diversity, profitability, stability), employee(expertise, problem-solving ability, customer orientation), physical evidence, process, inheritance service, and trust service were carefully examined. Employing hierarchical regression analysis, we tested hypotheses within an established research model. The findings revealed that variables like product stability and profitability, employee problem-solving ability, customer orientation, process, inheritance service, and trust service significantly positively affected satisfaction with WM services. In contrast, no substantial association was detected between satisfaction and factors like product diversity, employee expertise, or physical evidence. Among the influential factors, the order of impact was determined to be employee customer orientation, problem-solving ability, trust service, product stability, inheritance service, product profitability, and process. This research provided essential insights into the nuanced preferences and needs of seniors concerning wealth management services. The detailed examination of the subject might also shed light on similar challenges faced in the other aging societies. As the global population continues to age, the implications of this study could reach far beyond the borders of South Korea. By understanding these key determinants of satisfaction, financial institutions worldwide can tailor their wealth management services to better meet the unique demands of the senior population.

• Journal of the Korea Academia-Industrial cooperation Society
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• v.17 no.11
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• pp.66-79
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• 2016

A discussion has recently emerged over the increase of approvals of K-REITs, which is concluded on the basis of how to raise funds for business activity, fulfill the expected rate of return and maximize the management of managing investment funds. In addition, corporations need to acknowledge the necessity of the capital structure reflected in the current economic environment and decision-making processes. This research analyzed the characteristics by investment types and influence factors about the debt ratio of K-REITs. The data were collected from general management about business state, investment, and finance from 2002 to 2015 in K-REITs (except for the GFC period of 2007~2009). The results of the research demonstrated the high ratios of the largest shareholder characteristics, which are corporation, pension funds, mutual funds, banks, securities, insurance, and, recently, the increasing ratio of the largest shareholder and major stockholder. The investment of K-REITs is increasing the role of institutional investors that take a leading development of K-REITs. The behaviors of simultaneous investment of institutional investors were analyzed to show that they received higher interest rates than other financial institutions and ran in parallel with attraction and compensation. The results of the multiple regressions analysis, utilizing variables about debt ratio were as follows. The debt ratio showed a negative (-) relation that profitability is increasing, which matches the pecking order theory and trade off theory. On the other hand, investment opportunities (growth potential) showed a negative (-) relation and assets scale that indicated a positive (+) relation. The research results are reflected as follows. K-REITs focused on private equity REITs more than public offering REITs, and in the case of financing the capital of others, loan capital is operated under the guarantee of tangible assets (most of real estate) more than financing of the stock market. Further, after the GFC, the capital of others was actively utilized in K-REITs business, and the debt ratio showed that the determinant factors by the ratio and characteristics of the largest shareholder and investment products.

• Journal of the Korean Institute of Landscape Architecture
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• v.43 no.4
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• pp.37-49
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• 2015

The goal of this research is to examine air temperature changes according to tree type, plantation type, roadside green area structure, and green volume of street green area within a city. The plantation type that could be analyzed for comparison by tree type with over 3 species was 1 rows of tree+shrubs. The results of analysis of average air temperature difference between pedestrian and car streets vis-a-vis 1 row of tree+shrub in high air temperature areas were: Pinus densiflora, $1.35^{\circ}C$; Zelkova serrata, $1.84^{\circ}C$; Ginkgo biloba, $2.00^{\circ}C$; Platanus occidentalis, $2.57^{\circ}C$. This standard large wide canopy species was analyzed by the roadside to provide shade to have a significant impact on air temperature reduction. In terms of analysis of the relationship between plantation type of roadside trees and air temperature, the average air temperature difference for 1 row of tree type was $1.80^{\circ}C$; for 2 rows of trees it was $2.15^{\circ}C$. In terms of analysis of the relationship between the roadside green area structure and air temperature, for tree type, average air temperature $1.94^{\circ}C$: for tree+shrub type, average air temperature $2.49^{\circ}C$; for tree+mid-size tree+shrub type, average air temperature $2.57^{\circ}C$. That is, air temperature reduction was more effective in a multi-layer structure than a single layer structure. In the relationship analysis of green volume and air temperature reduction, the air temperature reduction effect was enlarged as there was a large amount of green volume. There was a relationship with the green volume of the road, the size of the tree and number of tree layers and a multi-layer structured form of planting. The canopy volume was large and there were a great number of rows of the tree layer and the plantation type of multi-layer structure, which is what is meant through a relationship with the green volume along the roadside. Green composition standards for air temperature reduction effects and functional improvement were proposed based on the result. For a pedestrian street width of 3m or less in the field being ideal, deciduous broadleaf trees in which the canopy volume is small and the structure of the tree+shrub type through the greatest 1m green bend were proposed. For a pedestrian street width of over 3m, deciduous broadleaf trees in which the canopy volume is large and is multi-layer planted with green bend over 1m, tree+mid-size tree+shrub type was proposed.

• Journal of the Korean Orthopaedic Association
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• v.55 no.2
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• pp.127-134
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• 2020

Purpose: The aims of this study were (1) to investigate the relationship between the characteristics of allogenic bone block and the compressive strength of an allogenic bone block measured by biomechanical experiments, and (2) to compare the maximum pressure load of allogenic bone block with the gap pressure measured at the high tibial opening osteotomy. Materials and Methods: Ten patients who provided informed consent for gap pressure measurements during opening wedge high tibial osteotomy (OWHTO) were included. The gap pressures were measured at 1 mm intervals while opening the osteotomy site from 8 mm to 14 mm. Seventeen U-shaped allogenous wedge bone blocks were made from the femur, tibia, and humerus. The height, width, cross-sectional area, and cortex thickness of the bone blocks were measured, along with the maximum compressive load just before breakage. The relationship between these characteristics and the maximum pressure load of the bone blocks was evaluated. The gap pressures measured in OWHTO were compared with the maximum pressure loads of the allogenous wedge bone blocks to evaluate the possibility of inserting allogenous wedge bone blocks into the osteotomy site without a distractor in OWHTO. Results: The OWHTO gap pressure increased with increasing osteotomy site opening. The mean gap pressure, which occurred at a 14-mm opening, was 282±93 N; the maximum pressure was 427 N. The maximum pressure load of the allografts was 13,379±6,469 N (minimum, 5,868; maximum, 29,130 N) and was correlated significantly with the cortical bone thickness (correlation coefficient=0.693, p=0.002) and cross-sectional area (correlation coefficient=0.826, p<0.001). Depending on the sterilization method, the maximum pressure loads for the bone blocks were 13,406±5,928 N for freeze-dried and 13,348±7,449 N for fresh frozen. The maximum compressive load of the allogenous wedge bone blocks was 13.7-times greater than that in OWHTO opened to 14 mm (5,868 N vs. 427 N). Conclusion: The compressive strength of allogenous wedge bone blocks was sufficiently greater than the gap pressure in OWHTO. Therefore, allogenous wedge bone blocks can be inserted safely into the osteotomy site without a distractor.

• Journal of Korean Society of Forest Science
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• v.88 no.4
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• pp.510-522
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• 1999

The air pollutants ; $SO_2$, $SO{_4}^{-2}$, $NO{_3}^-$, $Cl^-$ are absorbed into soils through falling with dusts and rain from the atmosphere. The sources of heavy metal contaminants in the environments are agricultural and horticultural materials, sewage sludges, fossil fuel combustion, metallurgical industries, electronics and waste disposal etc.. The soils and hydrosphere can be polluted on the way of the circulation of these heavy metals. Studied pollutant anions are $SO{_4}^{-2}$, $NO{_3}^-$ and $Cl^-$ and heavy metals are Se, Mo, Zn, Cd, Pb, Mn, Cr, Co, V, As, Cu and Ni which are the elements to be concerned with the essentials for plants, with animal and human health. This study is with the aim of selecting the species of roadside trees and green space trees which have excellent absorption of air pollutants and heavy metals from the atmosphere and the soils in the urban area. Two areas are designated to carry out this study : urban area ; Kwangju city and rural area ; the yard of Forest Environment Institute of Chollanam-do, at Sanje-ri, Sampo-myum, Naju city, Chollanam-do (23km away from Kwangju). This study is carried out to understand the movement of anions and heavy metals from the soils to the trees in both areas, the absorption of anions and heavy metals from atmosphere into leaves and the amounts of anions and heavy metals in leaves and fine roots(< 1mm dia.) of roadside trees and green space trees in Kwangju and trees in the yard of Forest Environment Institute of Chollanam-do. The tree species selected for this study in both areas are Ginkgo biloba, Quercus acutissima, Cedrus deodara, Platanus occidentalis, Robinia pseudoacacia, Alnus japonica. Metasequoia glyptostroboides. Zekova serrata. Prunus serrulata var. spontanea, and Pinus densiflora. The results of the study are as follows : 1. $SO{_4}^{-2}$, $NO{_3}^-$ and $Cl^-$ concentrations are higher in the soils of the urban area than in those of the rural area, and $NO{_3}^-$ and $SO{_4}^{-2}$ are higher in the leaves than in the roots due to the absorption of the these pollutants through the stomata. 2. Ginkgo biloba, Robinia pseudoacacia. Zekova serrata, Quercus acutissima, and Platanus occidentalis can be adequated to the roadside trees and the environmental trees due to their good absorption of $NO{_3}^-$ and $SO{_4}^{-2}$. 3. Heavy metals in the soils of both areas are in the order of Mn > Zn > V > Cr > Pb > Ni > Cu > Mo> Cd, and in the leaves and roots of the trees in the both areas are in the order of Mn>Zn>Cr>Cu>V>Ni. Both orders are similar ones except V. There are more in the urban soils than in the rural soils in amount of Mn, Zn, Pb, V, Cu. 4. It is supposed that there is no antagonism between Mn and Zn in this study. 5. Se, Co and As are not detected in the soils, the leaves and the roots in both areas. Sn, Mo, Cd and Pb are also not detected in the leaves and roots in spite of considerable amount in the soils of both areas.

• Horticultural Science & Technology
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• v.30 no.2
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• pp.178-184
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• 2012

This study was carried out to decide ITS (internal transcribed spacer) sequence of some Korean native $Aster$ species and to resolve their relationship among Korean native $Aster$, including $Kalimeris$, $Gymnaster$, $Heteropappus$ genus separated from $Aster$ in a previously study based on the pappus length. We registered 11 ITS sequences of $Aster$ species including $A.$ $glehni$ to GenBank and those sequences were used for the cluster analysis with $Kalimeris$ species. The size of ITS1 was varied from 248 to 256 bp, while ITS2 was varied from 220 to 222 bp. The G + C content of the ITS region ranged from 49.4 to 53.5%. Pairwise comparison results showed that the substitution rate of ITS1 and ITS2 region was 9% and 10%, respectively. $Kalimeris$ sensu strict substitution rate was lower than that of $Aster$ sensu strict species. The strict consensus parsimonious cluster analysis showed $A.$ $tripolium$ is the first branching from the clade and the next is $A.$ $scaber$. The $Kalimeris$ species except for the $A.$ $hispidus$ were grouped into the same clade with high bootstrap value (91%) within $Aster$. $Gymnaster$ and $Heteropappus$ that has been classified by morphological characters were also grouped into broad sense $Aster$ clade. These results implied these three genera could be merged together into $Aster$ based on the ITS sequences.

• Journal of Veterinary Clinics
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• v.27 no.5
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• pp.501-507
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• 2010

The aim of the current study was to analyze the diversity of the major surface protein (Msp) gene in Theileria buffeli, which is known as the major antigenic protein recognized by the immune system of the host. In addition, we characterized the diversification of the Msp gene and its relationship to with the pathogenicity of Theileria. Complete blood counts (CBC) and Theileria 18S rRNA PCR sequence analysis were performed for 177 Korean indigenous cattle (KIC) in Jeju Island. A total of 28 KIC (16 anemic and 12 non-anemic KIC) were then randomly selected based on 18s rRNA PCR positive samples for sequence analysis of the Theileria Msp gene, which was performed twice for each specimen. The resulting 56 Msp gene sequences were classified into five antigenicity types (type I to V), according to the variable region (517-571 bp), which exhibited high similarity (${\geq}$ 98.9%) to several available GenBank sequences (Theileria spp. from China-EU584237; T. sergenti from China-DQ078264; Theileria spp. from Thailand-AB081329; Theileria spp. from Japan-AB218442; T. sergenti from Japan-AB016280). The 56 Msp sequences consisted of 22, 15, 9, 8, and 2 cases of type I to type V Msp genes, respectively. The most prevalent type in both anemic and non-anemic KIC was type I (37.5% in anemic and 41.7% in non-anemic). Among the remaining types, type II was the most prevalent (37.5%) in anemic KIC, while type IV was the most prevalent (25%) in non-anemic KIC. The results of our study help confirm the diversity of Msp gene types and demonstrate that the gene type distribution of Msp genes varies among Theileria-infected KIC in Jeju Island.