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Causal Factors Affecting Mobile Banking Services Acceptance by Customers in Thailand

  • NAVAVONGSATHIAN, Ampol;VONGCHAVALITKUL, Busaya;LIMSARUN, Tanakorn
    • The Journal of Asian Finance, Economics and Business
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    • v.7 no.11
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    • pp.421-428
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    • 2020
  • The study investigates the causal factors affecting mobile banking services acceptance by customers in Thailand. This study employs quantitative research methodology and non-probability sampling to draw 400 mobile banking users from the population who are the mobile banking users of commercial banks in Thailand. The online questionnaires were used as a research tool to collect data with the Cronbach's alpha coefficient as 0.931. By using the structural equation model to analyze data, the results have shown that service quality, perceived usefulness, perceived ease-of-use, safety in use, and social factors influenced mobile banking services acceptance by customers in Thailand.By checking the harmony with the statistics χ2 = 108.618, df. = 86, χ2/df. = 1.263, p-value = .050, CMIN/DF =1.263, GFI = .989, AGFI=.962, TLI= .962, CFI = .976, RMSEA = .037,along with testing the weight factor. In conclusion, the research model was found to be harmonious with the empirical data at the significance level 0.05. The findings of this study suggest that the commercial banks should apply this research to understand the acceptance behavior of mobile banking users, also to determining marketing strategies, identifying opportunities and creating a competitive advantage for their services in the future.

Good Governance Assessment in Community Forest of Nepal

  • Rijal, Sandip;Subedi, Milan;Chhetri, Ramesh;Joshi, Rajeev
    • Journal of Forest and Environmental Science
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    • v.37 no.3
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    • pp.251-259
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    • 2021
  • The basic for the achievement of the community forestry rests within the Community Forest User Groups (CFUGs). They are responsible to establish good governance, sustainable forest management and improve people's livelihoods. The study aimed to assess the governance score prevailing in CFUGs using stratified random sampling. Our study shows the governance score of 64.17% in community forests with highest 73.94% in Bhotechaur community forest and lowest 56.60% in Tinkanya community forest. Among the eight elements of good governance, consensus-oriented was found highest while responsiveness was lowest in the study area. Further, the independent variables such as well-being ranking (χ2=21.695, df=6, p<0.01), source of income (χ2=20.474, df=6, p<0.01) and education status (χ2=17.450, df=6, p<0.01) has significant impact on governance. Based upon the findings, it is very clear that good governance in CFs are more than average but still not up to the mark. Finally, it calls for rethinking that involving all the stakeholders during planning phases delineating the responsibility and power for correspondents can make possible in achieving sustainability in community forest.

Cooperative Diversity Based on Interleavers and Its efficient Algorithm in Amplify-And-Forward Relay Networks (Amplify-Forward Relay Network의 인터리버에 근거한 협동 다이버시티와 그 효과적 알고리즘)

  • Yan, Yier;Jo, Gye-Mun;Balakannan, S.P.;Lee, Moon-Ho
    • Journal of the Institute of Electronics Engineers of Korea TC
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    • v.46 no.6
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    • pp.94-102
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    • 2009
  • In [1], the authors have proposed a novel scheme to achieve full diversity and to combat the time delays from each relay node, but decode-and-forward (DF) model operation mode puts more processing burden on the relay. In this paper, we not only extend their model into amplify and forward (AF) model proposed in [2],[3], but also propose an efficient decoding algorithm, which is able to order the joint channel coefficients of overall channel consisting of source-relay link and relay-destination link and cancels the previous decoded symbols at the next decoding procedure. The simulation results show that this algorithm efficiently improves its performance achieving 2-3dB gain compared to [1] in high SNR region and also useful to DF achieving more than 3dB gain compared to an original algorithm.

Immediate Effects of High-frequency Diathermy on Muscle Architecture and Flexibility in Subjects With Gastrocnemius Tightness

  • Kim, Ji-hyun;Park, Joo-hee;Yoon, Hyeo-bin;Lee, Jun-hyeok;Jeon, Hye-seon
    • Physical Therapy Korea
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    • v.27 no.2
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    • pp.133-139
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    • 2020
  • Background: The gastrocnemius (GCM) is one of the lower extremity muscles that tend to tighten easily. GCM tightness results in limited ankle dorsi-flexion (DF), especially when the knee joint is fully extended. Joint flexibility is determined by the morphological and physiological characteristics of joints, muscles, tendons, and ligaments. Impaired joint flexibility can be attributed to increased susceptibility to muscle injury. High-frequency diathermy is clinically used to reduce pain and muscle tightness and to improve limited range of motion. Objects: This study aimed to investigate the immediate effects of high-frequency therapy in subjects with GCM tightness. Methods: The study was designed as a one-group before-after trial. The subjects included 28 volunteers with GCM tightness (an active ankle DF angle of less than 12°) without any known neurological and musculoskeletal pathologies in the ankle and calf areas. WINBACK Transfer Electrode Capacitive and Resistive Therapy equipment was used to apply high-frequency therapy to the subjects' GCMs for 10-15 minutes. The pennation angle and the fascicle length of the GCM were measured using ultrasonography. The flexibility of the ankle joint, peak torque to the passive ankle DF (Biodex), and soft tissue stiffness (MyotonPRO) were also measured. Results: The pennation angle was significantly decreased following the treatment; however, no significant difference in the fascicle length was found (p < 0.05). The flexibility was significantly increased and both the passive peak torque to passive ankle DF and the soft tissue stiffness significantly decreased (p < 0.05). Conclusion: High-frequency therapy is immediately effective for improving the muscle's architectural properties and functional factors in subjects with GCM tightness. Further longitudinal clinical studies are required to investigate the long-term effects of high-frequency therapy on subjects with GCM tightness from various causes.

Optimization of Hyaluronidase Inhibition Activity from Prunus davidiana (Carriere) Franch Fruit Extract Fermented by its Isolated Bacillus subtilis Strain SPF4211

  • Kim, Won-Baek;Park, So Hae;Koo, Kyoung Yoon;Kim, Bo Ram;Kim, Minji;Lee, Heeseob
    • Journal of Microbiology and Biotechnology
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    • v.26 no.9
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    • pp.1527-1532
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    • 2016
  • Strain SPF4211, having hyaluronidase (HAase) inhibition activity, was isolated from P. davidiana (Carriere) Franch fruit (PrDF) sugar extract. The phenotypic and biochemical properties based on 16S rDNA sequencing and an API 50 CHB kit suggested that the organism was B. subtilis. To optimize the HAase inhibition activity of PrDF extract by fermentation of strain SPF4211, a central composite design (CCD) was introduced based on three variables: concentration of PrDF extract (X1: 1-5%), amount of starter culture (X2: 1-5%), and fermentation time (X3: 0-7 days). The experimental data were fitted with quadratic regression equations, and the accuracy of the equations was analyzed by ANOVA. The statistical model predicted the highest HAase inhibition activity of 37.936% under the optimal conditions of X1 = 1%, X2 = 2.53%, and X3 = 7 days. The optimized conditions were validated by observation of an actual HAase inhibition activity of 38.367% from extract of PrDF fermented by SPF4211. These results agree well with the predicted model value.

Analysis of Health Behaviors of Selected Health Professionals in South Korea (한국 보건전문가들의 보건행동에 관한 분석)

  • Kim, Sung-Hye;Larry K. Olsen
    • Korean Journal of Health Education and Promotion
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    • v.14 no.1
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    • pp.47-62
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    • 1997
  • 본 연구는 한국 보건전문가들의 보건행동을 조사하고, 보건행동간의 상호 관련 요인과 보건행동에 영향을 미치는 인구학적 요인을 분석하는데 그 목적이 있다. 본 연구 대상으로는 한국보건협회 산하의 8개의 보건 관련 학회 중에서 보건교육과 가장 관련이 있는 한국보건교육학회(212명)와 한국보건 간호학회 (124명) 회원 336명이 선정되었다. 본 연구의 도구는 미국에서 이미 실시된 여러 보건행동 연구를 기초로 하여 focus group discussion, back-translation, 전문가들의 panel discussion, 그리고 pilot test(사전조사)를 통하여 한국인의 보건행동 연구를 위해 타당하게 개발되었다. 본 연구를 위하여 1995년 약 두달동안(11월, 12월), 3차에 걸친 우편설문조사를 실시하여 64.3%의 응답회수율을 보였고, 응답자들의 보건행동을 분석하기 위해서 factor analysis(요인분석)와 ANOVA (변량분석) 방법을 사용하였다. 본 연구의 결과는 다음과 같다. 1. 조사응답자의 분포는 남자가 33.8%, 여자가 66.2%였고, 응답자의 80.3%가 석사 이상의 학위를 소유하고 있었다. 응답자들의 전공분야는 다양하였고, 그들 중에서 36.3%가 간호학, 24.4%가 공중보건학을 전공하였다. 응답자 중 과반수 이상이 학교에 근무하였고, 서울에 거주하였으며, 응답자의 평균 직장 근무연수는 14년 이였다. 2. 응답자들의 보건행동에 대한 요인분석 적용의 적합성을 사전검증하기 위하여 Bartlett’s Test of Sphericity (630.37, p〈.00)를 실시하였다. 응답자들의 보건행동을 요인분석한 결과, 17개의 보건행동으로 구성된 네가지 보건행동요인들이 추출되었다. 응답자들의 네가지 보건행동요인들은 다음과 같다: (1) 규칙적인 식사 및 과일 섭취 (2) 음주 및 흡연 (3) 외식,간식 및 카페인 음료 섭취 (4) 운동 및 휴식 3. 응답자들의 인구학적 요인과 네가지 보건행동요인들과의 관계를 분석한 결과, 성별(F=69.59, df=1,203, p〈.05), 교육정도(F=3.48, df=3,199, p〈.05) 그리고 직장(F=4.04, df=3,201, p〈.05)에 따라 음주 및 흡연 행동에 커다란 차이를 보였다. 또한 응답자의 직장 근무연수(F=2.39, df=5,185, p〈.05)에 따라 운동 및 휴식 행동에 커다란 차이를 보였다.

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Discussion on Dilution Factor for Electrical Conductivity Measured by Saturation-paste Extract and 1:5 Soil to Water Extract, and CEC of Korean Soils (한국 토양에 대한 포화침출액법과 1:5 법에 의한 전기전도도 간의 희석배수와 CEC의 관계에 대한 고찰)

  • Jung, Yeong-Sang;Joo, Jin-Ho;Hong, Sun-Dal;Lee, In-Bog;Ro, Hee-Myong
    • Korean Journal of Soil Science and Fertilizer
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    • v.34 no.1
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    • pp.71-75
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    • 2001
  • Linear regression analyses between the electrical conductivity of the saturation-paste extract. ECe, and the electrical conductivity of the 1:5 soil extract, EC1:5, for different soils yielded different dilution factors, or slopes with significant $r^2$ values from 0.842 to 0.905. The dilution factor was inversely proportional to the cation exchange capacity of soil which reflected textural difference. The dilution factors recommended for different textural classes ranged from 6.44 for clay soil to 12.29 for sandy soil based on the CEC's of the textural classes among 350 surface soils recorded in the Taxonomical Classification of Korean Soils except volcanic ash derived soils. Though saturation percentage of the saturation-paste of the soils in this study, CEC should be taken into account for dilution factor between ECe and EC1:5, and the suggested dilution factors might be reasonable estimate for the soil textural classes.

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Discrimination of Rice Volatile Compounds under Different Milling Degrees and Storage Time Using an Electronic Nose (전자코를 이용한 도정 및 저장에 따른 쌀의 휘발성분 패턴 판별)

  • Han, Hyun Jung;Dong, Hyemin;Noh, Bong Soo
    • Korean Journal of Food Science and Technology
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    • v.48 no.2
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    • pp.187-191
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    • 2016
  • The objective of this study was to analyze the volatile compounds in rice under various milling degrees using a mass spectrometry-based electronic nose and discriminant function analysis (DFA). Less volatile components were more frequently found in rice with a lower milling degree. Milling degree resulted in a shift of DF1 to the left side of the DFA plot. This indicated that the DF1 scores were correlated with the milling degree of rice. Brown rice was found to have more volatile components regardless of the milling degree. Thus, rice prepared at different milling degrees could be effectively discriminated with electronic nose analysis. Moreover, more volatile components were detected with an increase in storage time. A slight change in volatile components was found with an increase in the milling degree. The electronic nose could predict the milling degree and storage time of rice.