• Journal of Korea Multimedia Society
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• v.24 no.3
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• pp.448-459
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• 2021

In this paper, we propose a method of predicting the next-day stock price fluctuations of 10 KOSDAQ-listed companies in 5G, autonomous driving, and electricity sectors by training SVM, XGBoost, and LightGBM models from macroeconomic·financial market indicators, technical indicators, social interest indicators, and daily positive indices extracted from online news. In the three experiments to find out the usefulness of social interest indicators and daily positive indices, the average accuracy improved when each indicator and index was added to the models. In addition, when feature selection was performed to analyze the superiority of the extracted features, the average importance ranking of the social interest indicator and daily positive index was 5.45 and 1.08, respectively, it showed higher importance than the macroeconomic financial market indicators and technical indicators. With the results of these experiments, we confirmed the effectiveness of the social interest indicators as alternative data and the daily positive index for predicting stock price fluctuation.

• The Journal of the Convergence on Culture Technology
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• v.6 no.4
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• pp.379-384
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• 2020

The purpose of this study is to analyze the impact of individual savings banks' financial conditions on their loan portfolio after savings bank restructuring. The analysis results are as follows. First, it was estimated that the relationship between the rate of change in the NPL Ratio and the ratio of household loans has a significant positive value. Second, it was estimated that the interaction effect between the rate of change in the ratio of fixed and below loans and the spread of the deposit-to-deposit rate has a significant negative (-) value with the household loan weight. Third, the relationship between the asset size and the proportion of household loans was estimated to have a significant positive (+) value. In other words, it was analyzed that the financial situation of the savings bank affects the loan portfolio, and it should provide important implications for establishing policies for each financial situation of the savings bank. Depending on the financial situation in the future, there is a need to avoid excessive asset expansion of specific loans and preemptive soundness management.

• Journal of Internet of Things and Convergence
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• v.7 no.3
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• pp.81-90
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• 2021

In this study, the effect of user characteristics and technical characteristics of a blockchain-based financial platform on the intention to use of financial consumers was analyzed. Also, in this influence relationship, we analyzed what kind of causal relationship between relative advantage and perceived risk on intention to use. From June 1 to July 30, 2021, a non-face-to-face self-filling online survey was conducted with a sample of subjects who had experience using a financial platform grafted with blockchain technology, and the study was conducted in 187 copies. For statistical processing, frequency analysis, exploratory factor analysis, reliability analysis, correlation analysis, multiple regression analysis and 3-step mediated regression analysis were performed using SPSS 21.0 program. The significance level of the statistical value was set to less than 95%. The research results are as follows. First, it was found that innovativeness and usefulness affect the intention to use in the user characteristics. Second, in the technical characteristics, compatibility and reliability were found to affect the intention to use. Third, it was found that relative advantage and perceived risk play a partial mediating role in the relationship between user characteristics and intention to use. Fourth, it was found that relative advantage and perceived risk play a partial mediating role in the relationship between technical characteristics and intention to use. Fifth, it was found that there were differences in the ubiquity of user characteristics, compatibility of technical characteristics and intention to use according to the experience of using the certificate. The results of this study can contribute to the development of a financial platform based on the Internet of Things.

• The Journal of the Convergence on Culture Technology
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• v.10 no.1
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• pp.369-378
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• 2024

The aim of this study is to conduct a comparative study on the sustainability of the public pension. While the mainstream view on the sustainability of the public pension presupposes financial sustainability, the original purpose of guaranteeing retirement income has been overlooked. The sustainability of the public pension needs to consider not only financial sustainability, but also various factors such as demographic structure, labor productivity, industrial structure, life cycle of working households, government spending on public pensions, economic growth, and social consensus. With this awareness of the problem, this study conducted a fuzzy set qualitative comparative study in 44 countries, including Korea. As a result of the analysis, it was found that Korea had high financial sustainability for a single year, but relatively low integration related to social consultation and public pension operation, and adequacy such as the degree of guarantee and linkage with other pension systems was also relatively low. The sustainability of the broader public pension should be emphasized not only for financial sustainability, but also for adequacy and integration.

• Journal of Industrial Convergence
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• v.1 no.2
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• pp.173-191
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• 2003

Usually there are two ways in the method of accounting on tax purpose. One is the method of accrual basis accounting, the other is the method of cash basis accounting. Accrual basis accounting is used broadly not only in financial purpose, but also tax purpose. But, that method is not fit at some special case. For example, lawyer, bank, consulting, small business would like to use the method of cash basis accounting because it is more convenient in book-keeping than the method of accrual basis. I insist on regulating this cash basis accounting.

• Convergence Security Journal
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• v.16 no.5
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• pp.57-63
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• 2016

In recent years, there is growing interest in 'Fin-tech' in the domestic and international financial sector. And a variety of services in such a situation has emerged. To ensure the safety of from hacking attacks, many new technologies have been developed. These leading technology is the Bio-authentication method that you consider applying to the financial sector. Bio authentication is using biometric information. Also it is known that can cope the threat of fabrication and modifying attacks with shared and stored. However, Recently, When you look at hacking incidents of biometric data(560 million cases) in the United States Office of Personnel Management and advent of the fingerprints counterfeit technology, We can be known that should be reconsidered about the safety of bio-certification. Especially, it should be provided with a response measures for the problem of embezzlement that biometric information already been leaked. Thereby In this paper, by investigating biometric technologies and practices applied and of the vulnerability factor in many industries, it expected to be utilized in the prepared threats countermeasures in accordance with the application of the biometric authentication technology in a future.

• The Journal of Information Systems
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• v.15 no.4
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• pp.99-124
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• 2006

The development of IT has made it possible to use various terminal systems for financial transaction and demands for financial survices are getting more and more diversified at the same time. Among others, mobile banking service market based on IC chips has been expanded its service areas and the number of mobile banking users has been increased. The study analyzes and tests the dynamic effects of the inflow of potential customers on mobile banking market condition by using system dynamics methodology to identify the dynamic structure of mobile banking market. The simulation model is designed to track the variation in the number of subscribers of mobile banking servides according to two scenarios, and the results are as follows; First the effect of word of mouth by customers who have used the service already is significant. The satisfactory level of early adopters is reflected in WOM, and as a test result shows, increase in word-of-mouth causes the growth of potential customers' demands for mobile banking service. Second, perceived attractiveness of mobile banking service market is another important construct. Factors such as convenience, mobility, time saving, security, and various services explain the construct perceived attractiveness of the service, and it makes the potential customers adopt the service, causing the increase of demands.

• Journal of Digital Convergence
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• v.10 no.1
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• pp.125-133
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• 2012

The volume of electronic banking service via smart phone is expected to increase dramatically under smart convergence environment. Under such circumstances, the effort to establish the mobile electronic banking culture which took a major step forward from the conventional electronic commerce method is essential. It is necessary to standardize the mobile payment infrastructure in order to resolve the initiative conflicts between financial institutions and newly launched non-financial institutions. Furthermore, a domestic and international strategy is required as the number of NFC technology based smart phone transaction business is increased. As various types of business enter the electronic commerce field, efforts to resolve the dissatisfaction of the customers are critical. Additionally, security is one of the significant issue due to the conversation process to open-type operating system. This study surveyed and analyzed the current domestic and foreign status, the problems in Korea, and suggested an effective counterplan and policy, which could be helpful in governments' preparation for electronic commerce policy.

• The Journal of the Korea Contents Association
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• v.20 no.9
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• pp.43-55
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• 2020

The purpose of this study was to find ways to impact policies in order to invigorate convergence research as a whole (including science or engineering-based and its humanities-based counterpart), so it can be recognized as the science of its own form. Firstly we looked at the definition of convergence research. Secondly, we looked at the definition of policy and how policies are produced. Lastly, we explored the relationship between convergence research and policy decision making. The current issues faced by the convergence research were the fact that it was largely under-appreciated and inadequately supported both in terms of policy and financial support. In this study, we explore the relationship between research and policy based on a research utilization model, which can be categorized the research and policy relationship into four types. Then we sought for various cases to explore how research can affect policies as scientific evidence; how the technological changes caused by convergence research can be shaped into policies; and then provide insights for what challenges needed to be addressed in order to have a positive impact on the relationship.

• The Journal of the Convergence on Culture Technology
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• v.5 no.4
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• pp.277-282
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• 2019

This study analyzed the determinants of the financial Soundness of savings banks. In particular, empirical analysis was carried out on how the loan deposit ratio correlates with financial soundness after restructuring. As the restructuring of savings banks was finalized in 2014, asset management changed and it is time to analyze the financial characteristics of savings banks. In summary, the relationship between the savings bank lending rate and the NPL ratio is estimated to have a negative value at the 1% significance level. In other words, the higher the mortgage rate, the lower the substandard and below ratio. It can be said that it is not easy for a savings bank to build an aggressive loan portfolio. In other words, the more difficult it is to finance loans through savings deposits, the more likely the risk aversion tends to be. The higher the corporate loan ratio, average interest expense, and economic growth rate, the higher the risk index. The larger the asset size and the higher the loan growth rate, the lower the risk index. Increasing the mortgage rate may reduce risk-seeking behavior, but it does not mean that it is unconditionally positive for savings banks. Therefore, the loan deposit rate regulation should reduce the incentives for excessive asset expansion and manage preemptive soundness through lending portfolio management.