• Title/Summary/Keyword: Bank performance

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A Study on Digital Banking Platform-based FinTech Case: Koscom (디지털뱅킹 플랫폼 기반 핀테크 사례 연구: 코스콤)

  • Chung, Yee Chul;Lee, Sang Gi;Kim, Hee-Woong
    • Knowledge Management Research
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    • v.21 no.1
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    • pp.61-78
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    • 2020
  • Recently, in the global financial transaction field, global transactions using computer systems and server hubs between foreign exchanges beyond the one-dimensional offline transactions and two-dimensional online transactions have been actively conducted. In the previous research by Lee Hyung-wook and Lee Min-jae (2018), as the globalization has accelerated following the development of digital technology and the expansion of ubiquitous communication network, the role of companies, the attribute of economic value creation and economic structure are being reorganized. It is said that O2O (Online to Offline) transactions are increasing due to the development. As a result, a new financial transaction paradigm is emerging that solves the inconveniences of existing financial services and enhances speed and convenience. Considering the global network trend and the rapidly developing and evolving digital bank environment, the necessity of utilizing the business platform model is emerging. However, despite this necessity, there are very limited cases in which such an attempt has been applied in practice. Accordingly, this study seeks to explore the business platform of the new financial transaction system. Specifically, the case study systematically examines the actual implementation of a unique network connection model with Koscom's global investment bank, which is currently in charge of the domestic financial transaction system, and improves ICT innovation performance and process through this. I would like to suggest a solution. In particular, this study analyzed a variety of business model construction and use cases by pursuing a platform connection with digital banks, which has recently been increasingly in demand. Therefore, this study intends to pursue the original and long-term profitability of the company by utilizing ICT innovation and platform business model, and also analyzes the convenience and excellence of trading for institutional and individual investors using the platform of digital bank. The implications of this study are significant in that it explores and explores the actual cases of ICT innovation and additional digital bank platform-connected business models based on this, and suggests a unique and preemptive business strategy of the company in the future.

Characteristics of Painting Film Corresponding with Particle Distribution of Oyster Shell Powders (굴 패각 분말의 입자분포에 따른 도막특성)

  • Song, You Na;Park, Ga Yeong;Lee, Han Hyoung;Chung, Yong Jae
    • Journal of Conservation Science
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    • v.32 no.2
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    • pp.261-271
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    • 2016
  • We have investigated relationship between particle characteristics of oyster shell powder pigments and their performance such as workability and durability. Three types of the powder which have different particle size and shape(spherical, elliptical, columnar and irregular) distributions were made for this study and we evaluated spreadability and uniformity for workability, and adhesion and surface hardness for durability of painted films by each powder paints. As a result, we found out that the workability and durability of the paints were influenced by the particle shape distribution more than the particle size distribution. The durability, especially, was enhanced as the ratio of columnar particles in the powders was increased. This result verifying the important factor affecting the durability can be base data for selecting oyster shell white paint and assessing its quality for conservation and restoration of Dancheong, as well as to produce high quality traditional paints.

New Video Compression Method based on Low-complexity Interpolation Filter-bank (저 복잡도 보간 필터 뱅크 기반의 새로운 비디오 압축 방법)

  • Nam, Jung-Hak;Jo, Hyun-Ho;Sim, Dong-Gyu;Choi, Byeong-Doo;Cho, Dae-Sung
    • Journal of the Institute of Electronics Engineers of Korea SP
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    • v.47 no.5
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    • pp.165-174
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    • 2010
  • The H.264/AVC standard obtained better performance than previous compression standards, but it also increased the computational complexity of CODEC simultaneously. Various techniques recently included at the KTA software developed by VCEG also were increasing its complexity. Especially adaptive interpolation filter has more complexity than two times due to development for coding efficiency. In this paper, we propose low-complexity filter bank to improve speed up of decoding and coding gain. We consists of filter bank of a fixed-simple filter for low-complexity and adaptive interpolation filter for high coding efficiency. Then we compensated using optimal filter at each macroblock-level or frame-level. Experimental results shows a similar coding efficiency compared to existing adaptive interpolation filter and decoding speed of approximately 12% of the entire decoder gained.

High-Speed Pipelined Memory Architecture for Gigabit ATM Packet Switching (Gigabit ATM Packet 교환을 위한 파이프라인 방식의 고속 메모리 구조)

  • Gab Joong Jeong;Mon Key Lee
    • Journal of the Korean Institute of Telematics and Electronics C
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    • v.35C no.11
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    • pp.39-47
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    • 1998
  • This paper describes high-speed pipelined memory architecture for a shared buffer ATM switch. The memory architecture provides high speed and scalability. It eliminates the restriction of memory cycle time in a shared buffer ATM switch. It provides versatile performance in a shared buffer ATM switch using its scalability. It consists of a 2-D array configuration of small memory banks. Increasing the array configuration enlarges the entire memory capacity. Maximum cycle time of the designed pipelined memory is 4 ns with 5 V V$\_$dd/ and 25$^{\circ}C$. It is embedded in the prototype chip of a shared scalable buffer ATM switch with 4 x 4 configuration of 4160-bit SRAM memory banks. It is integrated in 0.6 $\mu\textrm{m}$ 2-metal 1-poly CMOS technology.

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The Study on Service Model and Case Study of Internet Bank (인터넷 뱅킹의 사례분석을 통한 서비스모델 구현에 관한 연구)

  • Lee, Je-Hong
    • The Journal of Information Technology
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    • v.5 no.3
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    • pp.97-119
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    • 2002
  • It is Study Service Model for Case Study of Internet Bank. With most major full service banks having launched transactional Internet banking, attention is shifting to the realities of managing the Internet channel as a profitable component of an overall delivery strategy. In addition to examining Case Study and Internet Bank Model. Services of Internet Banking available through the Internet are as follows. 1. credit card loans, personal loans. 2. high-yield financial products. 3. insurance products. 4. securities products. 5. Case study of Foreign Internet Banking(ING, BNP, HSNC, City Bank). The study reviewed fields, including financial services, customer service, Website formation and design, convenience of use and system safety, Internet Banking Model, and many related areas. Internet Banking earned high marks in most fields. This Study review focuses on the following: Understanding and meeting consumer expectations for us ability, site performance and functionality. Integrating the Internet channel into overall marketing, product delivery and customer service strategies. Strategies to increase customer satisfaction with Internet Banking and to attract new Internet bankers. therefore this study review activity model concretion of Internet Banking Model and Case Study.

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Production of Antimicrobial Substances by Strains of Myxobacteria Corallococcus and Myxococcus (Corallococcus와 Myxococcus 속 점액세균 균주들에 의한 항균 물질의 생산)

  • Shin, Hyejin;Youn, Jinkwon;An, Dongju;Cho, Kyungyun
    • Microbiology and Biotechnology Letters
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    • v.41 no.1
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    • pp.44-51
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    • 2013
  • We prepared culture extracts of 174 Corallococcus and 207 Myxococcus strains isolated in Korea, and compared their antimicrobial activity against Candida albicans, Pseudomonas aeruginosa, and Staphylococcus aureus. The percentage of strains showing antifungal activity was lower in Corallococcus (7.5% [13 of the 174 strains]) than in Myxococcus (51.7% [107 of the 207 strains]). However, the percentage of strains exhibiting antibacterial activity was higher in Corallococcus (12.1% [21 strains]) than in Myxococcus (1% [2 strains]). The culture extracts of 6 Corallococcus strains inhibited both P. aeruginosa and S. aureus and displayed similar high-performance liquid chromatography chromatograms, although the shapes of their fruiting bodies were dissimilar. The rate of production of antibacterial substances was the highest when the strains were cultured in CYS medium for more than 6 days.

A Study on the Development of the Korean Internet Banks (한국 인터넷은행의 발전 방안에 관한 연구)

  • Ok, S.H.;Hwang, K.T.
    • Journal of Digital Convergence
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    • v.15 no.12
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    • pp.111-126
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    • 2017
  • Korea came to see its first internet bank as 'K bank' obtained the digital-only banking license in December 2016. This paper suggests ways to foster internet banks of Korea in their early stage by analyzing the successful cases of overseas internet banks. The followings are the key success factors identified from those cases across Europe, Japan, China, and USA: Support from the related government authorities; Stable governance structure; Distinct business capabilities based on information & communications technology(ICT). These points lead to the following implications for Korean internet banks. Regulatory restrictions on owning and running internet banks should be lifted to facilitate innovation. Policies to support internet bank industry should be introduced as it is a vital part of the 4th industrial revolution. Finally, internet banks should strive to differentiate themselves by utilizing their ICT capabilities. Subjects of the further research hereafter should include the following: Analyzing the ongoing performance and developments of digital banks in Korea; Deriving success factors from the analysis; Assessing the influence and effects on financial market and economic environment.

A Study on Factor Affecting Employee Creativity of Bank Employee in the Age of Convergence (융·복합 시대의 은행 종업원의 종업원창의성에 영향을 미치는 요인에 관한 연구)

  • Jeon, Oi-Sul;Park, Sung-Kyu
    • Journal of Digital Convergence
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    • v.13 no.11
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    • pp.99-108
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    • 2015
  • The aim of this research is to investigate empirically the interrelationship among emotional labor strategies, frontline employee creativity, service performance, and specifically examines the mediating effect of employee creativity in the relationship between emotional labor strategies and service performance in the context of bank industry. The data were collected from frontline employees of banks in Daegu and Gyeongnam. A total of 484 questionnaires were used for the final analysis. Consistent with hypotheses, the results of analysis show that surface acting has a negative effect on employee creativity, while deep acting has a positive effect on employee creativity, and employee creativity has a positive effect on service performance. Furthermore, employee creativity has mediating effect in the relationship between emotional labor strategies-performance.

Power control strategies of a DC-coupled hybrid power system for a building microgrid

  • Cho, Jea-Hoon;Hong, Won-Pyo
    • Journal of the Korean Institute of Illuminating and Electrical Installation Engineers
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    • v.25 no.3
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    • pp.50-64
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    • 2011
  • In this paper, a DC-coupled photovoltaic (PV), fuel cell (FC) and ultracapacitor hybrid power system is studied for building microgrid. In this proposed system, the PV system provides electric energy to the electrolyzer to produce hydrogen for future use and transfer to the load side, if possible. Whenever the PV system cannot completely meet load demands, the FC system provides power to meet the remaining load. The main weak point of the FC system is slow dynamics, because the power slope is limited to prevent fuel starvation problems, improve performance and increase lifetime. A power management and control algorithm is proposed for the hybrid power system by taking into account the characteristics of each power source. The main works of this paper are hybridization of alternate energy sources with FC systems using long and short storage strategies to build an autonomous system with pragmatic design, and a dynamic model proposed for a PV/FC/UC bank hybrid power generation system. A simulation model for the hybrid power system has been developed using Matlab/Simulink, SimPowerSystems and Matlab/Stateflow. The system performance under the different scenarios has been verified by carrying out simulation studies using a practical load demand profile, hybrid power management and control, and real weather data.

Channel-attentive MFCC for Improved Recognition of Partially Corrupted Speech (부분 손상된 음성의 인식 향상을 위한 채널집중 MFCC 기법)

  • 조훈영;지상문;오영환
    • The Journal of the Acoustical Society of Korea
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    • v.22 no.4
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    • pp.315-322
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    • 2003
  • We propose a channel-attentive Mel frequency cepstral coefficient (CAMFCC) extraction method to improve the recognition performance of speech that is partially corrupted in the frequency domain. This method introduces weighting terms both at the filter bank analysis step and at the output probability calculation of decoding step. The weights are obtained for each frequency channel of filter bank such that the more reliable channel is emphasized by a higher weight value. Experimental results on TIDIGITS database corrupted by various frequency-selective noises indicated that the proposed CAMFCC method utilizes the uncorrupted speech information well, improving the recognition performance by 11.2% on average in comparison to a multi-band speech recognition system.