• Journal of Service Research and Studies
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• v.13 no.2
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• pp.130-145
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• 2023

The digital transformation of finance is accelerating, and digital banking has already become a major banking channel. Banks have traditionally placed importance on CRM(Customer Relationship Management) and have tried to retain their loyal customers, who contribute significantly to the bank, such as long-term transactions, holding accounts with a certain balance or more, and holding loans. In this situation, this study exploratorily analyzed the consumer behavior of digital banking deposits in a major bank of Korea(1,145 samples). Statistical analysis was performed using SPSS. The main findings of the study are summarized as follows. It was found that there were differences of consumer behavior in digital banking deposits by generation, and the MZ generation used digital banking more on holidays than other generations. As a result of analyzing the behavior of existing loyal customers and regular customers of digital banking deposit, there was a significant difference in both the amount and period of the deposit. It was confirmed that the existing loyal customers of the bank also engage in consumer behavior that contributes to the bank in digital banking. In addition, the interaction between the customer type and the date of sign up for the deposit period, which is the goal setting of financial consumers, it was found that there was a significant effect. This study empirically analyzed the consumer behavior of digital banking in a situation where decrease of bank branches and encounters with digital banking. The major concepts of the consumer behavior theory are Loyal Customer, Goal Pursuit, and Habit, which were confirmed in an example of digital banking. The results of this study can suggest practical implications for existing banks and Internet-only banks, including the importance of customer management in digital banking.

• Journal of Korean Society of Forest Science
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• v.112 no.2
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• pp.258-266
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• 2023

Pine wilt disease is caused by the pine wood nematode (Bursaphelenchus xylophilus) and has killed many pine trees in Europe and Northeast Asia, including South Korea. Resistance to pine wilt disease varies among species. Previous studies were mostly conducted in nature or greenhouses and only a few in test fields. In this study, seedlings of six pine species (Pinus thunbergii, P. koraiensis, P. densiflora, P. parviflora, P. rigida × P. taeda, and P. strobus) were artificially inoculated by pine wood nematodes in the test field. The Wilt Index was measured every 2 weeks after inoculation in addition to the mortality rate, detection rate, and pine wood nematode concentration measurement after 24 weeks. The pine wilt disease mortality rates were P. thunbergii (80%), P. koraiensis (77.8%), P. densiflora (62.5%), and P. parviflora (22.0%), and both P. rigida × P. taeda and P. strobus survived. The pine nematode detection rates were the same among the species except for P. rigida × P. taeda pine (22.2%). High Wilt-Index values were obtained for P. thunbergii, P. koraiensis, and P. densiflora, which had mortality rates higher than the other species. Furthermore, there were no significant differences in the Wilt Indexes between P. parviflora, P. rigida × P. taeda, P. strobus, and the control group. Statistically, P. thunbergii and P. koraiensis showed high susceptibility to pine wilt disease, P. densiflora and P. parviflora showed moderate susceptibility, and P. rigida × P. taeda and P. strobus showed apparent resistance. These results provide basic data for pine wood nematode resistance breeding or as evidence of the need for afforestation of P. rigida × P. taeda and P. strobus.

• Korean Journal of Animal Reproduction
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• v.23 no.2
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• pp.149-157
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• 1999

The functional role of cumulus cells on the penetration and polyspermy during in vitro fertilization in porcine was examined. The penetration rate was significantly higher (P＜0.01) in oocytes with (61%) than without (25%) cumulus cells, but significant differences in polysper-my rates were not observed. When hyaluronidase was added to the fertilization medium with different concentrations, penetration rates in oocytes with cumulus cells were higher than in oocytes without cumulus cells at 0 (61% vs 34% ; P＜0.05), 0.01 (56% vs 35% ; P＜0.05), 0.1 (66% vs 30% ; P＜0.05) and 1.0mg/$m\ell$ (39% vs 27%). The polyspermy rates were lower in oocytes without than with cumulus cells, and had a tendency to decrease with high concentrations of hyaluronidase. In another experiment, the penetration and polyspermy rates had a tendency to increase as time of sperm-oocyte culture was prolonged. At 16 and 20 h after insemination, the penetration rates were significantly higher (P＜0.05) in oocytes with (48 and 62% for 16 and 20 h) than without (25 and 31% for 16 and 20 h) cumulus cells in medium containing hyaluronidase. Polyspermy rates were significantly (P＜0.05) lower in oocytes without (13% and 16%) than with (37% and 48%) cumulus cells at 16 and 20 h after insemination. In cumulus-free oocytes inseminated in medium containing different concentrations of cumulus cells, the penetration rates were significantly (P＜0.05) higher in medium with than without hyaluronidase. The proportion of polyspermy was lower in medium without than with hyaluronidase at 0 (10% vs 0%), 10$^2$(25% vs 0%), 10$^4$(24% vs 14%) and 10$^{6}$ (29% vs 10% ; P＜0.05) cumulus cells/$m\ell$. These results suggest that cumulus cells can have a positive influence on sperm penetration, its action on polyspermy control does appear to function primarily on zona pellucida by co-culture of cumulus cells and oocytes in medium without hyaluronidase.

• Korean Journal of Environmental Biology
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• v.40 no.1
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• pp.112-123
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• 2022

To assess the influence of environmental factors on the phytoplankton community structure and total phytoplankton biomass during four seasons in 2014, we investigated the abiotic and biotic factors at 25 stations in the Busan coastal region. The phytoplankton community and total phytoplankton biomass were strongly dependent on the discharge from the Nakdong River, and the high density of phytoplankton was related with the introduction of the Tsushima Warm Current (TWC), particularly in the thermohaline fronts of the fall season. The relationship between the salinity and nutrient (Dissolved inorganic nitrogen=DIN: R²=0.72, p<0.001 and Dissolved inorganic silicon=DSi: R²=0.78, p<0.001) highly correlated with the river discharge, implying that those nutrients have played a crucial role in the growth of diatom and cryptophyta. The total phytoplankton biomass was highest in the summer followed by autumn, spring, and winter. Diatom and cryptophyta species were dominant species during the four seasons. Additionally, there were strong positive correlations between Chlorophyll a and total phytoplankton biomass (R²=0.84, p<0.001), cryptophyta (R²=0.76, p<0.001) and diatom (R²=0.50, p<0.001), respectively. In particular, we found that there were significant differences in the nutrients, phytoplankton community compositions, and total phytoplankton biomass between the inner and the outer coastal region of Busan, depending on the amount of river discharge from the Nakdong River, particularly during rainy seasons. Therefore, the seasonal change of TWC and river discharge from the Nakdong River serve an important role in determining phytoplankton population dynamics in the Busan coastal region.

• Journal of Korea Water Resources Association
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• v.56 no.4
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• pp.285-299
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• 2023

Estimating the evapotranspiration is very important factor for effective water resources management, and FAO Penman-Monteith (FAO P-M) model has been applied for reference evapotranspiration estimation by many researchers. However, because various input data are required for the application of FAO P-M model, understanding the effect of each input data on FAO P-M model is necessary. Therefore, in this study, for 56 study stations located in South Korea, the effects of 8 meteorological factors (maximum and minimum temperature, wind speed, relative humidity, solar radiation, vapor pressure deficit, net radiation, ground heat flux), energy and aerodynamic terms of FAO P-M model, and elevation on FAO P-M reference evapotranspiration (RET) estimation were analyzed. The relative sensitivity analysis was performed to determine how 10% increment of each specific independent variable affects a reference evapotranspiration under given set of condition that other independent variables are unchanged. Furthermore, to select the 5 representative stations and perform the monthly relative sensitivity analysis for those stations, 56 study stations were classified into 5 clusters using cluster analysis. The study results showed that net radiation was turned out to be the most sensitive factor in 8 meteorological factors for 56 study stations. The next most sensitive factor was relative humidity, solar radiation, maximum temperature, vapor pressure deficit and wind speed, followed by minimum temperature in order. Ground heat flux was the least sensitive factor. In case of ground surface condition, elevation showed very low positive relative sensitivity. Relativity sensitivities of energy and aerodynamic terms of FAO P-M model were 0.707 for energy term and 0.293 for aerodynamic term respectively, indicating that energy term was more contributable than aerodynamic term for reference evapotranspiration. The monthly relative sensitivities of meteorological factors showed the seasonal effects, and also the relative sensitivity of elevation showed different pattern each other among study stations. Therefore, for the application of FAO P-M model, the seasonal and regional sensitivity differences of each input variable should be considered.

• The Journal of Korean Society for Radiation Therapy
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• v.34
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• pp.51-60
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• 2022

Objectives: The purpose is to evaluate dosimetric performance and delivery efficiency of VMAT with Halcyon LINAC for double target spine SBRT Materials and Methods: 12 patients with spine oligometastases were retrospectively studied. Single-isocenter spine SBRT plans was established using Halcyon® with Dual Layer MLC and Truebeam® with High Definition MLC. All patients' plans were created in Eclipse TPS through the identical conditions and optimization. C.I, H.I, G.I (Gradient Index), maximal and volumetric doses to spinal cord and low dose area were evaluated for comparison of both plans. Also, total MU and BOT(Beam On Time) were evaluated. Results: Halcyon plans was no Statistical differences in C.I and H.I. However, the average of G.I was 4.64 for Halcyon, which decreased to 5.5% compared to Truebeam (P<0.001). Halcyon plans demonstrated statistically significant reduced G.I. The average of 50% and 25% isodose volume was 487.56 cc (-3.82%, P<0.001), 1859.45 cc (-4.75%, P<0.001) in Halcyon, respectively. Significantly reduced low dose spill were observed in Halcyon plans. In the evaluation of the spinal cord, the average of Dmean and V10 of Halcyon plans in the sample group with an overlap volume of less than 1 cc was 6.802 Gy (-3.504%, P=0.067), 5.766±1.683 cc (-8.199%, P=0.002), respectively. Halcyon plans demonstrated statistically significant reduced D_mean and V10. For delivery efficiency, MU and BOT(maximum dose rate for each machine), on average, increased in Halcyon plans. However, the average of BOT(800MU/min for each machine) was 648.33 sec for Halcyon (-1.74%, P<0.001). Conclusion: Halcyon plan for double-target spine SBRT demonstrated advantages in the low dose area with a steep dose gradient, while having dosimetrically equivalent target dose distribution and spinal cord protective effect. As a result, Halcyon LINAC produced a dosimetrically improved plan for double-target spine SBRT.

• Journal of Korean Society of Forest Science
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• v.111 no.1
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• pp.150-164
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• 2022

This study was conducted to provide basic information for the development of silvicultural guidelines and manuals. This was achieved through analysis of tree and stand characteristics according to the first and second thinning in Korean white pine plantations. Data were collected from permanent plots installed at Korean white pine plantations according to thinning intensity, and residual tree and stand variables, including diameter at breast height (DBH), volume, and mortality at age 19-43, were analyzed using data repeatedly collected in 4-5 measurements by experiments. According to one-way variance of analysis, tree DBH and volume were significantly different according to thinning intensity (p<0.05). DBH distribution was skewed to the left side over time as thinning intensity was heavier. Thus, tree DBH values were larger in heavy thinning plots with increased age. The periodic annual increment (PAI) of DBH was higher with heavier thinning intensity and fewer years after thinning. The PAI range by thinning intensity was 0.48-0.95 cm/year at age 19-24. In addition, the PAI increased in heavy thinning plots after the second thinning; The PAI range by thinning intensity was 0.29-0.67 cm/year after the second thinning at age 37-42. The PAI of tree volume differed according to thinning intensity, and the PAI value did not decrease obviously, in contrast to the pattern of the DBH PAI. Stand volume was generally higher in high-density stands, and the PAI of stand volume was high in unthinned and light thinning plots. Mortality was highest in unthinned plots, and the differences in mortality according to thinning intensity increased over time. Consequently, the growth of DBH and tree volume was lower as stand density increased, but this growth was facilitated with appropriate first and second thinning operations.

• Journal of The Korean Society of Grassland and Forage Science
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• v.42 no.1
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• pp.41-46
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• 2022

To investigate the domestic seed production potential of Italian ryegrass, it was sown in autumn in the southern region and harvested in the spring of the following year to investigate the productivity and quality of seeds and straw. Italian ryegrass (Lolium multiflorum Lam.) 'GreenCall' variety was sown in Jinju, Gyeongnam in the fall of 2020 with three seeding rates (20, 30 and 40 kg/ha). The experiment was arranged consisted of a randomized block design with three replications. The ryegrass was sown on October 17, 2020, and the harvest was on May 31, about 60 days from the heading stage. The heading stage of Italian ryegrass was April 28, and there was no difference among treatments. Plant height was significantly shorter in the 40 kg/ha seeding treatment group, and there was no significant difference in the remaining treatments. The resistance of lodging, disease, and cold did not show significant differences among treatments. Spike length and number of seeds per spike were highest at 20 kg/ha seeding amount, and there was no difference in the remaining treatments. The seed yield was the highest at 1,956 kg/ha in the 20 kg/ha seeding rate, and there was no difference in the 30 and 40 kg/ha seeding rates. The dry matter content of seeds and straws was 45.60 and 41.83% on average, and there was no significant difference among treatments. The amount of remaining straw after seed harvesting was found to be 7,689 kg/ha on average on a dry basis, and it was high in the 40 kg/ha sowing area, but there was no significant difference among treatments. According to the above results, it was found that it is most advantageous to sow at 20 kg/ha when producing Italian ryegrass seeds through autumn sowing in the southern region.

• Journal of Korean Society of Forest Science
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• v.111 no.1
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• pp.125-135
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• 2022

In this study, growth changes of the diameter at breast height (DBH), height, basal area, volume, and biomass of Korean white pine (Pinus koraiensis Siebold & Zucc.) on a plantation were examined via long-term monitoring. In addition, this study was performed to provide the basic data for timber production in line with DBH class by comparing the growth of the relative DBH size. Growth characteristics according to DBH class were analyzed by categorizing trees into five classes based on sorted DBH rankings: class I (1%-20%; upper 20%), class II (21%-40%), class III (41%-60%), class IV (61%-80%), class V (81%-100%; lower 20%). A total class (0%-100%) was also used. Total increment and mean annual increment (MAI) were calculated using data from nine measurements taken over 39 years. Tree characteristics based on average values and stand characteristics based on unit area per hectare were examined. According to the total increments of variables, the differences in DBH, basal area, volume, and biomass among classes I-V increased over time, whereas the height difference did not continually increase. According to MAI, the maximum DBH value was 0.92 cm·yr^-1 at age 23 in class I, whereas the maximum value in all trees was 0.69 cm·yr^-1 at age 17. The maximum value of height MAI for class I was 0.52 m·yr^-1 at age 23, whereas that for all trees was 0.49 m·yr^-1 at age 20. In terms of basal area, volume, and biomass growth at tree-and stand-level, the maximum MAI of class I and all trees was not observed during the measurement period. Therefore, additional long-term monitoring data are required to determine the maximum MAI of the variables.

• Korean Journal of Ecology and Environment
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• v.55 no.1
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• pp.35-48
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• 2022

Fish assemblage of total 325 of Korean peninsula estuaries were surveyed to analyze the characteristics of community structure and diversity by sea areas for three years from 2016 to 2018. The scale (stream width) of Korean estuaries were various (14~3,356 m), and 68.9% of all estuaries showed salinity of less than 2 psu. Total 149 species classified into 52 families of fish were identified, and the dominant and sub-dominant species were Tribolodon hakonensis (relative abundance, RA, 12.5%) and Mugil cephalus (RA, 9.5%), respectively. The estuary of the Korean Peninsula had different physical and chemical habitat environments depending on the sea area, and accordingly, fish community structure also showed statistically significant differences (PERMANOVA, Pseudo-F=26.69, P=0.001). In addition, the NMDS (nonmetric multidimensional scaling) results showed the patterns that indicating fish community difference by sea areas, even though low community similarity within sea area (SIMPER, 21.79~26.39%). The estuaries of east sea areas were distinguished from the others in the aspects of which, the higher importance of migratory fishes and endangered species, and that of brackish species were characterized at south sea estuaries. However, the estuaries of west sea showed higher importance of species that have a relation with freshwater (primary freshwater species, exotic species), which is the result that associating with the lower salinity of west sea estuaries because of the high ratio of closed estuaries(78.2%). The SIMPER analysis, scoring the contribution rates of species to community similarity, also showed results corresponding to the tendency of different fish community structures according to each sea area. So far, In Korea, most studies on fish communities in estuaries have been conducted in a single estuary unit, which made it difficult to understand the characteristics of estuaries at the national level, which are prerequisite for policy establishment. In present study, we are providing fish community structure characteristics of Korean estuaries in a national scale, including diversity index, habitat salinity ranges of major species, distribution of migratory species. We are expecting that our results could be utilized as baseline information for establishing management policies or further study of Korean estuaries.