• Journal of KIISE:Information Networking
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• v.37 no.2
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• pp.135-141
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• 2010

Mobile payment system has many problems in real mobile payment networks because of the characteristics of mobile device and the security of mobile payment process. Specially, the previous suggested mobile payment protocol can not verify a trust of issuing bank. Therefore, this paper has analyzed the efficiency of a mobile payment with a delegating authority for an issuing bank to trust issuing bank. As a result, the mobile payment protocol with a delegating authority for a payment verification of an issuing bank has improved the time complexities for key computation and communication resilience.

• International Journal of Advanced Culture Technology
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• v.8 no.4
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• pp.271-278
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• 2020

Modern financial services go beyond the stage of internet banking, and new concepts of financial transactions such as Internet of Things, mobile banking, electronic payments, and fintech have emerged. As a result, banks are less influential in financial transactions, and changes are being demanded. In the present era, the basic business of banks has decreased, and it is transforming into a space where both consumer finance work and reside. The bank office stands for the brand image of the bank, and it is represented by trust with customers in the basic business of financial transactions, and the rise in real estate value is a natural social phenomenon due to the nature of the location and location of real estate owned by the bank. The business method and space of the bank office that meets the new paradigm of the modern society is an inefficient space only for the convenience and rest of consumers, but it must be used as a variety of spaces suitable for the region to increase the functional value of the bank office. Through this study, as a convenience space for consumers, various service facilities should be introduced to understand the characteristics of the region as a convenience space for consumers, and various service facilities should be introduced to meet the needs of consumers, and the bank office should be improved as a complex service space for local residents.

• The Journal of the Korea Contents Association
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• v.18 no.8
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• pp.109-117
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• 2018

The launch of internet-only banks has brought many changes. As the existing commercial banks and internet-only banks have started the infinite competition, the maintenance of relationships with customers or the creation of new customers is important. For this, it is meaningful to understand the aspect of customers' perception of value. Thus, this study conducted the empirical analysis on the attitude of the existing phone-banking users after the launch of internet-only banks. First, the reliability and mobility out of the characteristics of the existing mobile service of commercial banks had effects on the perceived switching value while the reactivity had no effects on it. Second, in the results of understanding the effects of diverse benefits from internet-only banks on the perceived value, the economic benefit and convenient benefit had positive(+) effects on the perceived switching value. Lastly, the perceived switching value had positive(+) effects on the use intention.

• Journal of Korea Society of Industrial Information Systems
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• v.28 no.5
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• pp.55-66
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• 2023

This study analyzes the characteristics of customer's preferences on banking channels (branches, automated machines, telebanking, internet banking, and mobile banking) and examines the factors influencing channel usage. To accomplish this, ANOVA and multiple regression analysis are performed using customer data from Bank A. The analysis reveals that customers primarily utilizing branch counter transactions have a significant impact on the profitability of 1st and 2nd grade banks, particularly among the age group of 50 years and above. Additionally, it is observed that as customers' loan, deposit, and financial product holdings increase, branch counter transactions also increase. On the other hand, it is found that as the usage of mobile banking decreases in terms of loans and deposits, transaction volume increases.

• The Journal of Society for e-Business Studies
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• v.23 no.3
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• pp.111-128
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• 2018

Today the paradigm of the financial services industry is shifting to mobile banking, and each financial company provides a variety of mobile banking services. Because of the innovation of mobile banking service, the Internet Only Bank has been launched recently. However, the actual number of users is far less than the number of subscribers. The purpose of this study is to investigate the factors affecting the intention to use of Internet only banking service by applying Task-Technology Fit (TTF) theory. In order to carry out this research, we conducted a survey on the user of the Internet only banking services, tested the measurement validity/reliability analysis and derived structural equation model. The results indicate that there are significant correlations between technology characteristics and task-technology fit and between task-technology fit and continuance intention. The results of this study are expected to provide implications for securing and maintaining the users of Internet banking providers.

• Journal of the Korean Society for Industrial and Applied Mathematics
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• v.11 no.2
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• pp.49-57
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• 2007

In fingerprints, singular regions including core or delta points have different directional characteristics from non-singular regions. Generally, the ridges of singular regions change more abruptly than those of nonsingular areas, thus in order to effectively enhance fingerprint images regardless of region, local ridge curvature information needs to be used. In this paper, we present an improved Directional Filter Bank (DFB)-based fingerprint image enhancement method that effectively takes advantage of such ridge curvature information. The proposed method first decomposes a fingerprint image into 8 directional subbands using the DFB and then classifies the image into background, low curvature, and high curvature regions using the directional energy estimates calculated from the subbands. Thereafter, the weight values for directional subband processing are determined using classification information and directional energy estimates. Finally, the enhanced image is obtained by synthesizing the processed subbands. The experimental results show that the proposed approach is effective in enhancing both singular and non-singular regions.

• The Journal of Korean Institute of Electromagnetic Engineering and Science
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• v.27 no.8
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• pp.725-734
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• 2016

Recently, novel candidate waveform techniques for spectral efficiency improvement was proposed in order to satisfy key performance indicators(KPIs) of 5th generation(5G) mobile communication. Multi-carrier based universal filtered multi-carrier(UFMC) and filter bank multi-carrier(FBMC) are very famous as 5G candidate waveform techniques. Also, weighted orthogonal frequency division multiplexing (W-OFDM) that has low-complexity is receiving the spotlight slowly. In this paper, firstly, we describe a basic OFDM system. And then, we also describe UFMC, FBMC, and W-OFDM system. Next, we evaluate and analyze spectrum and BER performance of these systems under the nonlinear high power amplifier(HPA) environment. As simulation results, spectrum characteristic and BER performance of UFMC, FBMC, and W-OFDM are similar to each other. Therefore, under the nonlinear HPA environment, W-OFDM system is more advantageous because W-OFDM system uses a simple time-domain windowing technique and has similar characteristics to the others.

• Knowledge Management Research
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• v.21 no.1
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• pp.175-195
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• 2020

The development of platform service based on the information and communication technology has revolutionized patterns of commercial transactions, driving the growth of global economy. Furthermore, the radical advancement of artificial intelligence(AI) presents the huge potential to innovate almost all the industrial and economic activities. Given these technological developments, the goal of this paper is to investigate AI's impact on the platform service innovation as well as its influence on the business performance. For the goal, this paper presents the review of the types of service innovation, the nature of platform services, and technological characteristics of leading AI technologies, such as chatbot and recommendation system. As an empirical study, this paper performs a multiple case study of Kakao Group which is the leading mobile platform service with the most advanced AI in Korea. To understand the role and effect of AI on Kakao platform service, this study investigated three cases, including chatbot agent of Kakao Bank, Smart Call service of Kakao Taxi, and music recommendation system of Kakao Mellon. The analysis results of the case study show that AI initiated innovations in platform service concepts, service delivery, and customer interface, all of which lead to a significant decrease in the transaction costs and the personalization of services. Finally, for the successful development of AI, this research emphasizes the significance of the accumulation of customer and operational data, the AI human capital, and the design of R&D organization.

• Journal of Ginseng Research
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• v.35 no.1
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• pp.31-38
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• 2011

In order to distinguish the cultivation area of Panax ginseng, principal component analysis (PCA) using quantitative and qualitative data acquired from HPLC was carried out. A new HPLC method coupled with evaporative light scattering detection (HPLC-ELSD) was developed for the simultaneous quantification of ten major ginsenosides, namely $Rh_1$, $Rg_2$, $Rg_3$, $Rg_1$, Rf, Re, Rd, $Rb_2$, Rc, and $Rb_1$ in the root of P. ginseng C. A. Meyer. Simultaneous separations of these ten ginsenosides were achieved on a carbohydrate analytical column. The mobile phase consisted of acetonitrile-water-isopropanol, and acetonitrile-water-isopropanol using a gradient elution. Distinct differences in qualitative and quantitative characteristics for ginsenosides were found between the ginseng roots produced in two different Korean cultivation areas, Ganghwa and Punggi. The ginsenoside profiles obtained via HPLC analysis were subjected to PCA. PCA score plots using two principal components (PCs) showed good separation for the ginseng roots cultivated in Ganghwa and Punggi. PC1 influenced the separation, capturing 43.6% of the variance, while PC2 affected differentiation, explaining 18.0% of the variance. The highest contribution components were ginsenoside $Rg_3$ for PC1 and ginsenoside Rf for PC2. Particularly, the PCA score plot for the small ginseng roots of six-year old, each of which was light than 147 g fresh weight, showed more distinct discrimination. PC1 influenced the separation between different sample sets, capturing 51.8% of the variance, while PC2 affected differentiation, also explaining 28.0% of the variance. The highest contribution component was ginsenoside Rf for PC1 and ginsenoside $Rg_2$ for PC2. In conclusion, the HPLC-ELSD method using a carbohydrate column allowed for the simultaneous quantification of ten major ginsenosides, and PCA analysis of the ginsenoside peaks shown on the HPLC chromatogram would be a very acceptable strategy for discrimination of the cultivation area of ginseng roots.

• Asia-Pacific Journal of Business Venturing and Entrepreneurship
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• v.19 no.4
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• pp.127-139
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• 2024

This study investigates the impact of edutech characteristics and both tangible and intangible educational services on the intention to re-enroll, which is directly related to the management performance of private institutes. The study aims to propose strategies to improve re-enrollment intentions and management performance based on the findings. Private education has grown continuously, complementing the limitations of public education and increasing parental dependence. This study tested the hypothesis that edutech characteristics, intangible services, and tangible services, increasingly utilized with the development of information and communication technology, would influence re-enrollment intentions. It also examined whether rapport-building behavior with parents would have a moderating effect on this relationship. The hypothesis testing results showed that among the edutech characteristics, content, intangible services such as reliability and empathy, and tangible services such as tangibility and payment accessibility positively impacted re-enrollment intentions. The hypothesis that rapport-building behavior would moderate the relationship between educational services and re-enrollment intentions was supported for empathy in intangible services and tangibility in tangible services. Based on these findings, the study proposed three strategies to improve management performance of private institutes. First, in terms of improving and managing edutech characteristics, it suggested introducing and updating edutech content and ensuring operational stability. Second, for improving and managing intangible services, it recommended managing instructor recruitment and training to enhance quality and competence, maintaining professionalism through continuous education by credible institutions, and providing level-based education for students based on the qualitative improvement of educational programs. Third, to improve and manage tangible services, it suggested setting appropriate tuition fees, offering various payment methods (online, mobile, card, bank transfer) unrestricted by time and place, and equipping interiors and facilities that enable focused learning. Additionally, considering the moderating effect of rapport-building behavior, it emphasized that improvements and management requiring costs are necessary, but making parents feel a high level of tangibility through rapport-building is also important. Furthermore, given the increasing importance of edutech based on information and communication technology, the study highlighted the need for various support measures such as government technological support and venture certification system support for institutes with an entrepreneurial spirit aiming to introduce innovative technologies such as AI technology based on large language models and AR/VR-applied metaverse environments. This study is expected to help improve the management performance of private institutes by specifically suggesting items and methods for improvement and management in the educational field.