• Title/Summary/Keyword: Fin systems

Search Result 147, Processing Time 0.023 seconds

An Analysis of Key Elements for FinTech Companies Based on Text Mining: From the User's Review (텍스트 마이닝 기반의 자산관리 핀테크 기업 핵심 요소 분석: 사용자 리뷰를 바탕으로)

  • Son, Aelin;Shin, Wangsoo;Lee, Zoonky
    • The Journal of Information Systems
    • /
    • v.29 no.4
    • /
    • pp.137-151
    • /
    • 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.

Sentiment Analysis and Data Visualization of U.S. Public Companies' Disclosures using BERT (BERT를 활용한 미국 기업 공시에 대한 감성 분석 및 시각화)

  • Kim, Hyo Gon;Yoo, Dong Hee
    • The Journal of Information Systems
    • /
    • v.31 no.3
    • /
    • pp.67-87
    • /
    • 2022
  • Purpose This study quantified companies' views on the COVID-19 pandemic with sentiment analysis of U.S. public companies' disclosures. It aims to provide timely insights to shareholders, investors, and consumers by analyzing and visualizing sentiment changes over time as well as similarities and differences by industry. Design/methodology/approach From more than fifty thousand Form 10-K and Form 10-Q published between 2020 and 2021, we extracted over one million texts related to the COVID-19 pandemic. Using the FinBERT language model fine-tuned in the finance domain, we conducted sentiment analysis of the texts, and we quantified and classified the data into positive, negative, and neutral. In addition, we illustrated the analysis results using various visualization techniques for easy understanding of information. Findings The analysis results indicated that U.S. public companies' overall sentiment changed over time as the COVID-19 pandemic progressed. Positive sentiment gradually increased, and negative sentiment tended to decrease over time, but there was no trend in neutral sentiment. When comparing sentiment by industry, the pattern of changes in the amount of positive and negative sentiment and time-series changes were similar in all industries, but differences among industries were shown in neutral sentiment.

A Study on Building Trust in Mobile Payment System -Focused on Developing Hierarchical Trust Model- (모바일 간편 결제 시스템의 신뢰형성에 대한 연구 -계층적 신뢰모형 개발을 중심으로-)

  • Choi, Yoo-Jung;Choi, Hun
    • Management & Information Systems Review
    • /
    • v.35 no.3
    • /
    • pp.23-36
    • /
    • 2016
  • As a new alternative to cash and credit-cards, mobile payment has been attracting world's attention. Although fin-tech, a mobile payment system provider, has been a rising issue, mobile payment systems is not yet widely used domestically. Because trust is the most important element in revitalizing the mobile payment system, we hoped to develop a hierarchical trust model to analyze the multi-dimensional trust factor. In this study, surveys were conducted to identify the components that affect the overall trust of a mobile payment system. It has been concluded that cognitive trust, affective trust, trust in system quality affect the overall trust of the system, and this trust affects the continuance intention of users.

  • PDF

Recent Progress in Air-Conditioning and Refrigeration Research : A Review of Papers Published in the Korean Journal of Air-Conditioning and Refrigeration Engineering in 2012 (설비공학 분야의 최근 연구 동향 : 2012년 학회지 논문에 대한 종합적 고찰)

  • Han, Hwataik;Lee, Dae-Young;Kim, Sa Ryang;Kim, Hyun-Jung;Choi, Jong Min;Park, Jun-Seok;Kim, Sumin
    • Korean Journal of Air-Conditioning and Refrigeration Engineering
    • /
    • v.25 no.6
    • /
    • pp.346-361
    • /
    • 2013
  • This article reviews the papers published in the Korean Journal of Air-Conditioning and Refrigeration Engineering during 2012. It is intended to understand the status of current research in the areas of heating, cooling, ventilation, sanitation, and indoor environments of buildings and plant facilities. The conclusions are as follows : (1) The research works on thermal and fluid engineering have been reviewed as groups of fluid machinery, pipes and valves, fuel cells and power plants, ground-coupled heat pumps, and general heat and mass transfer systems. Research issues are mainly focused on new and renewable energy systems, such as fuel cells, ocean thermal energy conversion power plants, and ground-coupled heat pump systems. (2) Research works on the heat transfer area have been reviewed in the categories of heat transfer characteristics, pool boiling and condensing heat transfer, and industrial heat exchangers. Researches on heat transfer characteristics included the results for natural convection in a square enclosure with two hot circular cylinders, non-uniform grooved tube considering tube expansion, single-tube annular baffle system, broadcasting LED light with ion wind generator, mechanical property and microstructure of SA213 P92 boiler pipe steel, and flat plate using multiple tripping wires. In the area of pool boiling and condensing heat transfer, researches on the design of a micro-channel heat exchanger for a heat pump, numerical simulation of a heat pump evaporator considering the pressure drop in the distributor and capillary tubes, critical heat flux on a thermoexcel-E enhanced surface, and the performance of a fin-and-tube condenser with non-uniform air distribution and different tube types were actively carried out. In the area of industrial heat exchangers, researches on a plate heat exchanger type dehumidifier, fin-tube heat exchanger, an electric circuit transient analogy model in a vertical closed loop ground heat exchanger, heat transfer characteristics of a double skin window for plant factory, a regenerative heat exchanger depending on its porous structure, and various types of plate heat exchangers were performed. (3) In the field of refrigeration, various studies were executed to improve refrigeration system performance, and to evaluate the applicability of alternative refrigerants and new components. Various topics were presented in the area of refrigeration cycle. Research issues mainly focused on the enhancement of the system performance. In the alternative refrigerant area, studies on CO2, R32/R152a mixture, and R1234yf were performed. Studies on the design and performance analysis of various compressors and evaporator were executed. (4) In building mechanical system research fields, twenty-nine studies were conducted to achieve effective design of mechanical systems, and also to maximize the energy efficiency of buildings. The topics of the studies included heating and cooling, HVAC system, ventilation, renewable energy systems, and lighting systems in buildings. New designs and performance tests using numerical methods and experiments provide useful information and key data, which can improve the energy efficiency of buildings. (5) In the fields of the architectural environment, studies for various purposes, such as indoor environment, building energy, and renewable energy were performed. In particular, building energy-related researches and renewable energy systems have been mainly studied, reflecting interests in global climate change, and efforts to reduce building energy consumption by government and architectural specialists. In addition, many researches have been conducted regarding indoor environments.

A Comparative Analysis of PKI Internet Banking and Blockchain Payment Transactions (PKI 인터넷 뱅킹과 블록체인 지불 거래의 비교 분석)

  • Park, Seungchul
    • Journal of the Korea Institute of Information and Communication Engineering
    • /
    • v.23 no.5
    • /
    • pp.604-612
    • /
    • 2019
  • PKI Internet banking is used to have users register their public keys with the banking server together with the identity information, and verify the signature for both user and transaction authentications by using the registered public keys. Although the Blockchain-based financial systems such as Bitcoin adopt similar digital signature-based authentication scheme, there is no server that participants can register public keys with because they perform P2P payment transactions. The purpose of this paper is to identify the advantages and disadvantages of the Blockchain-based payment transactions by analyzing the differences between the most common PKI Internet banking and Blockchain payment systems. Based on the analysis, this paper suggests the issues that need to be enhanced from the aspects of architecture and security in order for Blockchain payment transaction systems to be applied universally.

Recent Progress in Air-Conditioning and Refrigeration Research: A Review of Papers Published in the Korean Journal of Air-Conditioning and Refrigeration Engineering in 2011 (설비공학 분야의 최근 연구 동향: 2011년 학회지 논문에 대한 종합적 고찰)

  • Han, Hwa-Taik;Lee, Dae-Young;Kim, Seo-Young;Choi, Jong-Min;Paik, Yong-Kyoo;Kim, Su-Min
    • Korean Journal of Air-Conditioning and Refrigeration Engineering
    • /
    • v.24 no.6
    • /
    • pp.521-537
    • /
    • 2012
  • This article reviews the papers published in the Korean Journal of Air-Conditioning and Refrigeration Engineering during 2011. It is intended to understand the status of current research in the areas of heating, cooling, ventilation, sanitation, and indoor environments of buildings and plant facilities. Conclusions are as follows. (1) Research trends of thermal and fluid engineering have been surveyed as groups of fluid machinery and fluid flow, thermodynamic cycle, and new and renewable energy. Various topics were presented in the field of fluid machinery and fluid flow. Research issues mainly focused on the rankine cycle in the field of thermodynamic cycle. In the new and renewable energy area, researches were presented on geothermal energy, fuel cell, biogas, reformer, solar water heating system, and metane hydration. (2) Research works on heat transfer area have been reviewed in the categories of heat transfer characteristics, pool boiling and condensing heat transfer, nanofluids and industrial heat exchangers. Researches on heat transfer characteristics included heat transfer above liquid helium surface in a cryostat, methane hydrate formation, heat and mass transfer in a liquid desiccant dehumidifier, thermoelectric air-cooling system, heat transfer in multiple slot impinging jet, and heat transfer enhancement by protrusion-in-dimples. In the area of pool boiling and condensing heat transfer, researches on pool boiling of water in low-fin and turbo-B surfaces, pool boiling of R245a, convective boiling two-phase flow in trapezoidal microchannels, condensing of FC-72 on pin-finned surfaces, and natural circulation vertical evaporator were actively performed. In the area of nanofluids, thermal characteristics of heat pipes using water-based MWCNT nanofluids and the thermal conductivity and viscosity were measured. In the area of industrial heat exchangers, researches on fin-tube heat exchangers for waste gas heat recovery and Chevron type plate heat exchanger were implemented. (3) Refrigeration systems with alternative refrigerants such as $CO_2$, hydrocarbons, and mixed refrigerants were studied. Heating performance improvement of heat pump systems were tried applying supplementary components such as a refrigerant heater or a solar collector. The effects of frost growth were studied on the operation characteristic of refrigeration systems and the energy performance of various defrost methods were evaluated. The current situation of the domestic cold storage facilities was analyzed and the future demand was predicted. (4) In building mechanical system fields, a variety of studies were conducted to achieve effective consumption of heat and maximize efficiency of heat in buildings. Various researches were performed to maximize performance of mechanical devices and optimize the operation of HVAC systems. (5) In the fields of architectural environment and energy, diverse purposes of studies were conducted such as indoor environment, building energy, and renewable energy. In particular, renewable energy and building energy-related researches have mainly been studied as reflecting the global interests. In addition, various researches have been performed for reducing cooling load in a building using spot exhaust air, natural ventilation and energy efficiency systems.

A Study on Heat Exchange Efficiency of EGR Cooler for Diesel Hybrid (하이브리드 디젤엔진용 EGR 쿨러의 열교환 효율 연구)

  • Lee, Joon;Moon, Jeon-Il;Kim, Yeon-Hee
    • Transactions of the Korean Society of Automotive Engineers
    • /
    • v.17 no.2
    • /
    • pp.159-164
    • /
    • 2009
  • Cooled EGR system is an effective method for the reduction of $NO_x$ emission and PM emission from a diesel engine. Proper choice of wavy cooling fins and gas tubes is a key factor of cooled EGR system. As a part of solutions for energy crisis and environmental problems, hybrid vehicles mounted with diesel engines are under development globally. This study investigates the cooled EGR systems for hybrid diesel engine with the specifications of both optimized wavy cooling fins and improved shape of structure to verify the heat exchange efficiency, outlet temperature and gas pressure drop of cooler by means of numerical analyses and rig performance tests. The output of this study will be applied to a 2.0L hybrid diesel engine which is being developed for domestic and overseas market.

The Experimental Study on the Heat Transfer of HFC134a for Condensation Tubes with Various Enhanced Surfaces (응축전열관 외부형상 변화에 따른 HFC134a의 열전달 실험)

  • Park Chan-Hyoung;Lee Young-Su;Jeong Jin-Hee;Kang Yong-Tae
    • Korean Journal of Air-Conditioning and Refrigeration Engineering
    • /
    • v.18 no.8
    • /
    • pp.613-619
    • /
    • 2006
  • The objectives of this paper are to study the characteristics of heat transfer for enhanced tubes (19.05 mm) used in the condenser with high saturation temperatures and to provide a guideline for optimum design of a condenser using HFC134a. Three different enhanced tubes are tested at a high saturation temperature of $59.8^{\circ}C$ (16 bar); a low-fin and three turbo-C tubes.. The refrigerant, HFC134a is condensed on the outside of the tube while the cooling water flows inside the tube. The film Reynolds number varies from 130 to 330. The wall subcooling temperature ranges from $2.7^{\circ}C$ to $9.7^{\circ}C$. This study provides experimental heat transfer coefficients for condensation on the enhanced tubes. It is found that the turbo-C(2) tube provides the highest heat transfer coefficient.

Thermal Characteristic Analysis of a High-Speed Horizontal Machining Center with Built-in Motor and Linear Motors (내장형 모터와 리니어 모터를 적용한 초고속 수평형 머시닝센터의 열 특성 해석)

  • 김석일;조재완
    • Proceedings of the Korean Society of Machine Tool Engineers Conference
    • /
    • 2004.04a
    • /
    • pp.416-423
    • /
    • 2004
  • This paper presents the thermal characteristic analysis of a high-speed horizontal machining center with spindle speed of 50,000rpm and feedrate of 120m/fin. The spindle system is designed based on the built-in motor, angular contact ceramic ball bearings, oil-air lubrication and oil-jacket cooling method. The X-axis and Y-axis feeding systems are composed of the linear motors and linear motion guides, and the Z-axis feeding system is composed of the servo-motor, ball screw and linear motion guides. The thermal characteristics such as the temperature distribution, temperature rise, thermal deformation and step response, are estimated based on the finite element model of machining center and the heat generation rates of heat sources related to the machine operation conditions. Especially, the thermal time constant assessed from the step response function is introduced as an index of thermal response characteristics.

  • PDF

How Internet has Reshaped the User Experience of Banking Service?

  • Nam, Kiheung;Lee, Zoonky;Lee, Bong Gyou
    • KSII Transactions on Internet and Information Systems (TIIS)
    • /
    • v.10 no.2
    • /
    • pp.684-702
    • /
    • 2016
  • The changes new technologies have brought to banking over the past decade are enormous in their impact on the ways of doing business and providing customer services, most notably in the areas of customer service channels. Banks have been trying to move away from the traditional, branch-based and costly staff-assisted channels toward self-assisted channels, i.e. internet banking and mobile banking, to drive down costs and improve customer loyalty. How internet and mobile have reshaped the user experience of banking service channel? To provide valuable insights for this question, this research investigates and compares customer's channel choice behavior and profit changes from bank's branch closure. Applying the propensity scoring matching method, the results of analysis demonstrates that the mobile channel can be a realistic alternative to conventional branches. Also, the reserch result shows banks can reduce conventional branches while experiencing a positive implications on their profits from the customers. Another significant implication from the research is, to accelerate the shift to digital channels, banks need to put more efforts on developing functions in the mobile channel that will allow friendly interaction with customers and consultation, such as video consultation, interactive chat, and location-based product recommendation.