• The Journal of Asian Finance, Economics and Business
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• 제8권2호
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• pp.1033-1041
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• 2021

Consumptive behavior is the behavior of consuming goods that are actually less or not needed (especially in relation to the response to the consumption of secondary goods, namely, goods that are not really needed). This study aims to determine the influence of factors such as lifestyle, financial literacy, and social demographics on the consumptive behavior. The population in this research is students of STIE Bank BPD Jawa Tengah who had taken entrepreneurship I and II courses, with a total of 230 students, while the sample is determined by using accidental sampling technique and using Slovin formula, which obtained 70 samples. Quantitative data are used, and data collection method in this study is questionnaire. The analytical tool in this study is the multiple regression analysis. Data is processed by using the SPSS program 21. The results showed that there were positive influence of lifestyle variable on student consumptive behavior; positive influence of financial literacy variable on student consumptive behavior; and positive influence of social demographics on student consumptive behavior. The most dominant variable influencing consumptive behavior is variable X3 (social demographics) with a regression coefficient value of 0.510, followed by variable X1 (lifestyle) and variable X2 (financial literacy).

• 한국정보시스템학회지:정보시스템연구
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• 제29권4호
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• pp.137-151
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• 2020

Purpose Domestic asset management fintech companies are expected to grow by leaps and bounds along with the implementation of the "Data bills." Contrary to the market fever, however, academic research is insufficient. Therefore, we want to analyze user reviews of asset management fintech companies that are expected to grow significantly in the future to derive strengths and complementary points of services that have been provided, and analyze key elements of asset management fintech companies. Design/methodology/approach To analyze large amounts of review text data, this study applied text mining techniques. Bank Salad and Toss, domestic asset management application services, were selected for the study. To get the data, app reviews were crawled in the online app store and preprocessed using natural language processing techniques. Topic Modeling and Aspect-Sentiment Analysis were used as analysis methods. Findings According to the analysis results, this study was able to derive the elements that asset management fintech companies should have. As a result of Topic Modeling, 7 topics were derived from Bank Salad and Toss respectively. As a result, topics related to function and usage and topics on stability and marketing were extracted. Sentiment Analysis showed that users responded positively to function-related topics, but negatively to usage-related topics and stability topics. Through this, we were able to extract the key elements needed for asset management fintech companies.

• The Journal of Asian Finance, Economics and Business
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• 제8권4호
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• pp.465-473
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• 2021

This research is motivated by the concept of online banking or Internet banking where consumers aren't required to visit a bank branch to complete most of their basic banking transactions. They can do all of this at their own convenience, wherever they want. This research aims to find out the role of e-satisfaction in mediating the influence of e-service quality on the e-loyalty of the customer of a private bank in Indonesia. The method of data collection in this research is by using probability sampling with the simple purposive sampling technique. Data that is collected from 205 respondents is the data that meet the criteria, which are the respondent needs to be a bank customer and must have an Internet banking account. The analysis method that is used is regression analysis through the SEM method with the aid of SmartPLS 3.0 software to test the significance of e-satisfaction role in mediating the relationship between e-service quality and e-loyalty. The research result shows that e-service quality has a significant positive influence on e-satisfaction; e-satisfaction has a significant positive influence on e-loyalty, e-service has a significant positive influence on e-loyalty, and e-satisfaction significantly mediate the influence of e-service quality towards e-loyalty.

• The Journal of Asian Finance, Economics and Business
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• 제9권6호
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• pp.105-114
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• 2022

With the help of this study, we aim to investigate the influence of Financial Distress (FD) and information and communication technology (ICT) on the operating performance and efficiency of banks in the Indian banking sector. FD can be defined as a position in which a company or individual is not in a condition to fulfill their promise of paying their obligations on time. The term "financial distress" refers to a situation in which a corporation or individual is unable to keep their promise of paying their debts on time. In this work, panel data analysis (PDA) was used to analyze data from 33 Indian banks over ten years (2010 to 2019). According to the findings, FD has a positive and significant impact on bank operational performance and efficiency. The current study will give the banking industry a better understanding of how a bank's performance can be negatively impacted by distressing conditions that render it inefficient and ineffective. Second, it will show investors how the level of distress can have a significant impact on bank performance in the market, finally resulting in the loss of money invested.

• 한국정보처리학회논문지
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• 제3권6호
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• pp.1468-1472
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• 1996

본 연구에서는 CART(Classification and Regression Tree)가 예측을 함에 있어 통계적인 기법인 discriminant analysis와 비교된다. 은행 데이터를 사용하는 경우 discriminant analysis가 더 나은 성능을 보여줬으며, 보험 회사 데이터를 사용한 경 우 CART가 더 나은 성능을 보여줬다. 이러한 모순된 결과가 데이터의 성격을 분석함 으로 해석된다. 본 연구에서는 두가지 모델 모두 사용된 매개변수들인 사전 확률, 데 이터, 타입 I/II오류 코스트, 검증 방법에 의해 성능의 차이를 보여줬다.

• Genomics & Informatics
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• 제7권1호
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• pp.49-51
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• 2009

Although abundant biology data have been accumulated in public biology databases, such as GenBank and PIR, few easy-interface services are provided for users to access or update them. We have developed a system, named BioStore, that is composed of several programs to aid users to not only access public data but also share their own data easily. The service can be used for maintaining a local database as a repository of raw data files of several public databases and distributing the data files to other users. Currently, BioStore manipulates major bio-databases and will expand to include more databases and more useful interfaces.

• Interdisciplinary Bio Central
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• 제5권1호
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• pp.2.1-2.3
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• 2013

Birth and development of information biology are introduced with its definition and scientific basis. The discipline lives on the two types of nutrition, one is a huge amount of biological data on genomes, gene expressions, proteomes, protein 3D structures, protein networks, and so forth. The other is the method of using them on a computer. The scientific basis of the two is evolution. To collect genome and gene expression data form laboratories in the world, annotate and dissimilate back to researchers worldwide, they built the EMBL database in Europe in 1982, GenBank in USA in 1984 and DNA Data Bank of Japan in 1987. On the other hand, the methods of using and analyzing those data have accordingly been developed. The two aspects advance the discipline further and further.

• 대한전자공학회논문지SP
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• 제41권6호
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• pp.279-283
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• 2004

음성신호의 스펙트럼으로부터 MFCC를 추출할 때, 일반적으로 필터뱅크의 처리과정에서 삼각형 형태의 필터를 사용한다. 그러나 더 나은 인식성능을 위해, 훈련 음성데이터의 스펙트럼에 PCA를 적용하여 필터뱅크의 필터형태를 최적화하는 PCA-optimized 필터뱅크 방법이 Lee et al. 에 의해 제안되었다. 본 논문에서는 대용량의 4연숫자 전화음성 DB를 사용하여PCA-optimized 필터뱅크 기반의 MFCC 특징파라미터를 추출하고 인식실험을 수행한 후, 기존의 삼각형 형태의 필터를 사용하는 MFCC와 각 대역별 로그에너지로 가중시켜서 얻어지는 MFCC와의 인식성능을 비교하였다. 실험결과, PCA-optimized 필터뱅크 기반의 MFCC 특징파라미터가 기존의 삼각형 형태의 필터뱅크 기반 MFCC에 비해 조금 향상된 인식률을 나타내었지만, 각 대역별 로그에너지로 가중치를 주어 얻어지는 MFCC보다는 인식률이 떨어졌다.

• 무역상무연구
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• 제73권
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• pp.21-42
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• 2017

A BPO is an irrevocable undertaking given by an Obligor Bank acting on behalf of the buyer to a Recipient Bank acting on behalf of the seller to pay on satisfaction of certain specified conditions. There have been a Trade Service Utility(TSU), a Transaction Matching Application(TMA) and ISO 20022 TSMT messages that core electronic technical systems linked to the BPO. As a key usefulness of the BPO, it brings to market an alternative means of satisfying the risk mitigation, financing and information management needs of banks and businesses engaged in trade. That is, corporates can spread the risk among multiple Obligor Banks by requesting multiple BPOs for the same trade transaction not to exceed the value of the initial transaction. Since the BPO replaces the manual document checking process with the electronic matching of data, buyers and sellers will benefit from significantly increased accuracy and objectivity. By using BPO, buyers and sellers can become trusted counterparties by demonstrating reliability and giving sellers the assurance of being paid on time as per the payment terms and conditions agreed. When compared to L/C, the BPO requires submission of data only. This requires a change of practice of those accustomed to dealing with physical documentation. The beneficiary of a BPO is the Recipient Bank which is always the Seller's Bank. In the meantime, banks will need to agree between themselves that the URBPO 750 will be applied, modified or excluded. However, customers of banks will face low transactional costs due to a fully automated process and standardized data formats used in international trade documentation. There is no amendment and cancellation rules in the URBPO 750s, but only have Assignment of Proceeds rules. As a result, the BPO is likely to enable new business opportunities, lower costs, fast transaction process and strengthen key customer relationships.

• 한국미생물생명공학회:학술대회논문집
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• 한국미생물생명공학회 2000년도 Proceedings of 2000 KSAM International Symposium and Spring Meeting
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• pp.135-141
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• 2000

Global Biodiversity is common interest of humans for better health and sustainable development of the society. To provide access and analysis on microbial diversity information, Bacteriology Insight Orienting System (BIOS) has been developed. BIOS contains 6402 species and subspecies names of bacteria and archaea, 2606 names of cyanobacteria by March 2000. BIOS of which web based analytical tool provides windows to compare the results of phylogenetic analysis based on 16S rDNA sequence and the results of cluster analysis on proteome profiling. The sequence data and 2 dimensional gel electrophoresis analysis data were accumulated in BIOS database content for cyanobacteria reclassification and taxonomy. (BIOS URL: http.://www-sp2000ao.nies.go.jp/bios/index.html).