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Impact of impulsiveness on mobile banking usage: Moderating effect of credit card use and mediating effect of SNS addiction (충동성이 모바일뱅킹 사용률에 미치는 영향: 신용카드 사용 여부의 조절효과와 SNS 중독의 매개효과)

  • Lee, Youmi;Nam, Kihwan
    • Journal of Intelligence and Information Systems
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    • v.27 no.3
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    • pp.113-137
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    • 2021
  • According to the clear potential of mobile banking growth, many studies related to this are being conducted, but in Korea, it is concentrated on the analysis of technical factors or consumers' intentions, behaviors, and satisfaction. In addition, even though it has a strong customer base of 20s, there are few studies that have been conducted specifically for this customer group. In order for mobile banking to take a leap forward, a strategy to secure various perspectives is needed not only through research on itself but also through research on external factors affecting mobile banking. Therefore, this study analyzes impulsiveness, credit card use, and SNS addiction among various external factors that can significantly affect mobile banking in their 20s. This study examines whether the relationship between impulsiveness and mobile banking usage depends on whether or not a credit card is used, and checks whether a customer's impulsiveness is possible by examining whether a credit card is used. Based on this, it is possible to establish new standards for classification of marketing target groups of mobile banking. After finding out the static or unsuitable relationship between whether to use a credit card and impulsiveness, we want to indirectly predict the customer's impulsiveness through whether to use a credit card or not to use a credit card. It also verifies the mediating effect of SNS addiction in the relationship between impulsiveness and mobile banking usage. For this analysis, the collected data were conducted according to research problems using the SPSS Statistics 25 program. The findings are as follows. First, positive urgency has been shown to have a significant static effect on mobile banking usage. Second, whether to use credit cards has shown moderating effects in the relationship between fraudulent urgency and mobile banking usage. Third, it has been shown that all subfactors of impulsiveness have significant static relationships with subfactors of SNS addiction. Fourth, it has been confirmed that the relationship between positive urgency, SNS addiction, and mobile banking usage has total effect and direct effect. The first result means that mobile banking usage may be high if positive urgency is measured relatively high, even if the multi-dimensional impulsiveness scale is low. The second result indicates that mobile banking usage rates were not affected by the independent variable, negative urgency, but were found to have a significant static relationship with negative urgency when using credit cards. The third result means that SNS is likely to become addictive if lack of premeditation or lack of perseverance is high because it provides instant enjoyment and satisfaction as a mobile-based service. This also means that SNS can be used as an avoidance space for those with negative urgency, and as an emotional expression space for those with high positive urgency.

Comparative Analysis of Gut Microbiota among Broiler Chickens, Pigs, and Cattle through Next-generation Sequencing (차세대염기서열 분석을 이용한 소, 돼지, 닭의 장내 미생물 군집 분석 및 비교)

  • Jeong, Ho Jin;Ha, Gwangsu;Shin, Su-Jin;Jeong, Su-Ji;Ryu, Myeong Seon;Yang, Hee-Jong;Jeong, Do-Youn
    • Journal of Life Science
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    • v.31 no.12
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    • pp.1079-1087
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    • 2021
  • To analyze gut microbiota of livestock in Korea and compare taxonomic differences, we conducted 16S rRNA metagenomic analysis through next-generation sequencing. Fecal samples from broiler chickens, pigs, and cattle were collected from domestic feedlots randomly. α-diversity results showed that significant differences in estimated species richness estimates (Chao1 and ACE, Abundance-based coverage estimators) and species richness index (OUTs, Operational taxonomic units) were identified among the three groups. However, NPShannon, Shannon, and Simpson indices revealed that abundance and evenness of the species were statistically significant only for poultry (broiler chickens) and mammals (pigs and cattle). Firmicutes was the most predominant phylum in the three groups of fecal samples. Linear discriminant (LDA) effect size (LEfSe) analysis was conducted to reveal the ranking order of abundant taxa in each of the fecal samples. A size-effect over 2.0 on the logarithmic LDA score was used as a discriminative functional biomarker. As shown by the fecal analysis at the genus level, broiler chickens were characterized by the presence of Weissella and Lactobacillus, as well as pigs were characterized by the presence of provetella and cattele were characterized by the presence of Acinetobacter. A permutational multivariate analysis of variance (PERMANOVA) showed that differences of microbial clusters among three groups were significant at the confidence level. (p=0.001). This study provides basic data that could be useful in future research on microorganisms associated with performance growth, as well as in studies on the livestock gut microbiome to increase productivity in the domestic livestock industry.

The Effect of CO2 Fixation for Microalgae based on CO2 Concentration and Flow Rate (이산화탄소 농도 및 유속에 따른 하천 내 미세조류의 이산화탄소 고정 효과)

  • Park, Hyomin;Lee, Sangdon
    • Journal of Wetlands Research
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    • v.20 no.4
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    • pp.363-369
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    • 2018
  • One of the recent environmental problems is climate change due to the increase of atmospheric $CO_2$, which causes ecological changes and various environmental problems. Therefore, various studies are being carried out to reduce $CO_2$ in the world in order to solve various environmental problems caused by increase of $CO_2$. The $CO_2$ reduction using microalgae is an environmentally friendly method by using photosynthesis reaction of microalgae. However, most studies using single species. There is no study on the $CO_2$ fixing efficiency of microalgae in natural rivers. Therefore, this study was to identify the microalgae in the Sum river and to analyze the growth characteristics of microalgae in the river to obtain optimal culture conditions. And the changes of biomass and chlorophyll-a of microalgae were analyzed according to $CO_2$ concentration and injection rate. The purpose of this study was to investigate the fixing efficiency of carbon dioxide in microalgae in natural rivers. Six kinds of dominant species were observed as a result of the identification of microalgae in Sum river(Ankistrodesmus falcatus, Scenedesmus intermedius, Selenodictyum sp., Xanthidium apiculatum var. laeve, Cosmarium pseudoquinarium, Dictyosphaerium pulchellum). All of these species were green algae. Biomass and chlorophyll-a increased with the increase of $CO_2$ concentration and biomass and chlorophyll-a increased faster flow rate at the same $CO_2$ concentration. Also, the quantity of $CO_2$ fixation on the microalgae tended to be higher when the flow rate of injected gas was faster. This study can be referred as being significant in the micro-algae in river. In addition, the optimal conditions for $CO_2$ fixation of microalgae in rivers and the quantification of the quantity of $CO_2$ fixation from microalgae in rivers can be used as basic data for future policy of $CO_2$ reduction.

A Proposal on the Improvement of Obstacle Limitation Surface and Aeronautical Study Method (장애물 제한표면과 항공학적 검토방법의 제도 개선에 관한 제언)

  • Kim, Hui-Yang;Jeon, Jong-Jin;Yu, Gwang-Eui
    • The Korean Journal of Air & Space Law and Policy
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    • v.34 no.1
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    • pp.159-201
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    • 2019
  • Along with Annex 14 Volume I establishment in 1951 and the set-up of restriction surface around the runway, aeronautical technique and navigation performance achieved dazzling growth, and the safety and precision of navigation greatly improved. However, restrictions on surrounding obstacles are still valid for safe operation of an aircraft. Standards and criteria for securing safety of aircraft operating around and on airport is stated in Annex 11 Air Traffic Services and Annex 14 Aerodrome etc. In particular, Annex 14 Volume I presents the criteria for limiting obstacles around an airport, such as natural obstacles such as trees, mountains and hills to prevent collisions between aircraft and ground obstacles, and artificial obstacles such as buildings and structures. On the other hand, Annex 14 Volume I, in the application of the obstacles limitation surfaces, apply the exception criteria, as it may not be possible to remove obstacles that violate the criteria if the aeronautical study determines that they do not impair the safety and regularity of aircraft operation. Aeronautical study has been applied and implemented in various countries including United States, Canada and Europe etc. accordingly, Korea established and amended some provisions of the Enforcement rules of the Aviation Act and established the Aeronautical study guidelines to approve exceptions. However, because ICAO does not provide specific guidelines on procedures and methods of Aeronautical study, countries conducting aeronautical study have established and applied their own procedures and methods. Reflecting this realistic situation, at the 12th World Navigation Conference and at the 38th General Assembly, the contracting States demanded a reexamination of the criteria for current obstacle limitation surfaces and methods of aeronautical study, and the ICAO dedicated a team of experts to prepare new standard. This study, in line with the movement of international change in obstacle limitation surface and aeronautical study, aims to compare and analyze current domestic and external standards on obstacle limitation and height limits, while looking at methods, procedure and systems for aeronautical study. In addition, expecting that aeronautical study will be used realistically and universally in assessing the impact of obstacles, we would recommend the institutional improvement of the aeronautical study along with the development of quantitative analysis methods using the navigation data in the current aeronautical study.

Estimation of Heading Date using Mean Temperature and the Effect of Sowing Date on the Yield of Sweet Sorghum in Jellabuk Province (평균온도를 이용한 전북지역 단수수의 출수기 추정 및 파종시기별 수량 변화)

  • Choi, Young Min;Choi, Kyu-Hwan;Shin, So-Hee;Han, Hyun-Ah;Heo, Byong Soo;Kwon, Suk-Ju
    • KOREAN JOURNAL OF CROP SCIENCE
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    • v.64 no.2
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    • pp.127-136
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    • 2019
  • Sweet sorghum (Sorghum bicolor L. Moench), compared to traditional crops, has been evaluated as a useful crop with high adaptability to the environment and various uses, but cultivation has not expanded owing to a lack of related research and information in Korea. This study was conducted to estimate heading date in 'Chorong' sweet sorghum based on climate data of the last 30 years (1989 - 2018) from six regions (Jeonju, Buan, Jeongup, Imsil, Namwon, and Jangsu) in Jellabuk Province. In addition, we compared the growth and quality factors by sowing date (April 10, April 25, May 10, May 25, June 10, June 25, and July 10) in 2018. Days from sowing to heading (DSH) increased to 107, 96, 83, 70, 59, 64, and 65 days in order of the sowing dates, respectively, and the average was 77.7 days. The effective accumulated temperature for heading date was $1,120.3^{\circ}C$. The mean annual temperature was the highest in Jeonju, followed in descending order by Jeongup, Buan, Namwon, Imsil, and Jangsu. The DSH based on effective accumulated temperature gradually decreased in all sowing date treatments in the six regions during the last 30 years. DSH of the six regions showed a negative relationship with mean temperature (sowing date to heading date) and predicted DSH ($R^2=0.9987**$) calculated by mean temperature was explained with a probability of 89% of observed DSH in 2017 and 2018. At harvest, fresh stem weight and soluble solids content were higher in the April and July sowings, but sugar content was higher in the May 10 ($3.4Mg{\cdot}ha^{-1}$) and May 25 ($3.1Mg{\cdot}ha^{-1}$) sowings. Overall, the April and July sowings were of low quality and yield, and there is a risk of frost damage; thus, we found May sowings to be the most effective. Additionally, sowing dates must be considered in terms of proper harvest stage, harvesting target (juice or grain), cultivation altitude, and microclimate.

Changing Trends of Climatic Variables of Agro-Climatic Zones of Rice in South Korea (벼 작물 농업기후지대의 연대별 기후요소 변화 특성)

  • Jung, Myung-Pyo;Shim, Kyo-Moon;Kim, Yongseok;Kim, Seok-Cheol;So, Kyu-Ho
    • Journal of Climate Change Research
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    • v.5 no.1
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    • pp.13-19
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    • 2014
  • In the past, Korea agro-climatic zone except Jeju-do was classified into nineteen based on rice culture by using air temperature, precipitation, and sunshine duration etc. during rice growing periods. It has been used for selecting safety zone of rice cultivation and countermeasures to meteorological disasters. In this study, the climatic variables such as air temperature, precipitation, and sunshine duration of twenty agro-climatic zones including Jeju-do were compared decennially (1970's, 1980's, 1990's, and 2000's). The meteorological data were obtained in Meteorological Information Portal Service System-Disaster Prevention, Korea Meteorological Administration. The temperature of 1970s, 1980s, 1990s, and 2000s were $12.0{\pm}0.14^{\circ}C$, $11.9{\pm}0.13^{\circ}C$, $12.2{\pm}0.14^{\circ}C$, and $12.6{\pm}0.13^{\circ}C$, respectively. The precipitation of 1970s, 1980s, 1990s, and 2000s were $1,270.3{\pm}20.05mm$, $1,343.0{\pm}26.01mm$, $1,350.6{\pm}27.13mm$, and $1,416.8{\pm}24.87mm$, respectively. And the sunshine duration of 1970s, 1980s, 1990s, and 2000s were $421.7{\pm}18.37hours$, $2,352.4{\pm}15.01hours$, $2,196.3{\pm}12.32hours$, and $2,146.8{\pm}15.37hours$, respectively. The temperature in Middle-Inland zone ($+1.2^{\circ}C$) and Eastern-Southern zone ($+1.1^{\circ}C$) remarkably increased. The temperature increased most in Taebak highly Cold zone ($+364mm$) and Taebak moderately Cold Zone ($+326mm$). The sunshine duration decreased most in Middle-Inland Zone (-995 hours). The temperature (F=2.708, df=3, p= 0.046) and precipitation (F=5.037, df=3, p=0.002) increased significantly among seasons while the sunshine duration decreased significantly(F=26.181, df=3, p<0.0001) among seasons. In further study, it will need to reclassify agro-climatic zone of rice and it will need to conduct studies on safe cropping season, growth and developing of rice, and cultivation management system etc. based on reclassified agro-climatic zone.

Comparative Study on the Productivity and Quality of Hilly Pasture by Management type (경영형태별 산지 초지의 생산성 및 사료가치 비교 연구)

  • Kim, Jong Geun;Liu, Chang;Zhao, Guoqiang;Park, Hyung Soo;Jeong, Jong Sung
    • Journal of The Korean Society of Grassland and Forage Science
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    • v.39 no.1
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    • pp.45-52
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    • 2019
  • This experiment was carried out to study the change of productivity and feed value in different types of hilly pasture. The pasture utilized in the experiment was placed on the experimental farm of Pyeongchang Campus of Seoul National University. Forage production type(FP; Orchardgrass 18 + Tall Fescue 12 + Timothy 5 + White clover 5 kg/ha) and Public farm type(PF: Orchardgrass 12 + Tall Fescue 18 + Timothy 5 + White clover 5 kg/ha) pasture were established in September 3, 2014 and utilized (cutting or grazing) four times every year. Growth characteristics, yield and forage quality were investigated for two years. Plant height of grasses was the highest in the $1^{st}$ cutting and legumes was in the $2^{nd}$ cutting. Dry matter (DM) content was highest at every the $1^{st}$ cut grasses significantly lower at the $2^{nd}$ harvest (p<0.05). However, there was no significant difference in the $2^{nd}$, $3^{rd}$ and $4^{th}$ harvest in 2016. In the botanical composition change, the portion of legume was gradually increased after pasture establishment and the ratio of weed and bare land was higher at $2^{nd}$ and $3^{rd}$ cutting, but it was decreased at $4^{th}$ harvest. There was no significant difference in 2016 of fresh yield between two farm types (p>0.05). The yield of dry matter showed similar trend of fresh yield and forage production type was higher than that of public farm type (p<0.05). The forage intake by livestock was 1,452 kg/ha in 2015 and 1,743 kg/ha in 2016. Pasture utilization ratio of public farm type pasture was highest in the $3^{rd}$ grazing time. Forage quality of pasture in relation to management type had not significant difference, but there was difference in harvest times. Crude protein (CP) was the lowest in the $1^{st}$ harvest and total digestible nutrient (TDN) was highest in the $1^{st}$ harvest and lowest in the $4^{th}$ harvest. Based on the above results, it is found that the establishment of pasture suitable for farm's situation is important for set up of Korean model of hilly pasture. Although the forage production type is superior on forage productivity, it is recommended that the results will be provided as basic data for management of public farm type in the future.

Effects of Environmental Factors on Phytoplankton Succession and Community Structure in Lake Chuncheon, South Korea (환경요인이 춘천호의 식물플랑크톤 천이 및 군집구조에 미치는 영향)

  • Baek, Jun-Soo;Youn, Seok-Jea;Kim, Hun-Nyun;Sim, Youn-Bo;Yoo, Soon-Ju;Im, Jong-Kwon
    • Korean Journal of Ecology and Environment
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    • v.52 no.2
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    • pp.71-80
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    • 2019
  • Effects of environmental factors on phytoplankton succession and community structure were studied in Lake Chuncheon located in Bukhan River, South Korea. The data were sampled at three sites such as CC1 (lower side), CC2 (middle side), and CC3 (upper side of Lake Chuncheon) from 2014 to 2017. The annual average precipitation in Lake Chuncheon was 992 mm during the study period (2014~2017), and the annual precipitation was lower than 800 mm in 2014 and 2015. The annual average water temperature, total phosphorus (TP), and total nitrogen (TN) ranged from 17.0 to $21.1^{\circ}C$, 0.012 to $0.019mg\;L^{-1}$, and 1.272 to $1.922mg\;L^{-1}$, respectively. The TN concentration was relatively high in 2015 compared with the other study years, as a drought continued from 2014 to 2015. When comparing the correlation between precipitation and environmental factors, water temperature (p<0.01) and TP(p<0.05) showed positive correlations with rainfall. The average numbers of phytoplankton cells by branch were 2,094, 2,182, and $3,108cells\;mL^{-1}$ in CC1, CC2, and CC3, respectively. CC3 is considered advantageous for phytoplankton growth, even in small pollution sources due to low water depth. As a result of analyzing the relationship between precipitation and phytoplankton, the correlation between the two was shown to be high for 2016 (p<0.01) and 2017 (p<0.05), which is when precipitation was high. However, the correlation was not clear to 2014 and 2015. The relationship between water temperature and phytoplankton indicated a negative correlation with diatoms (p<0.01), yet positive correlations with green algae (p<0.01) and cyanobacteria (p<0.01). Diatoms increased in spring and autumn, which are characterized by low water temperature, and green algae and cyanobacteria increased in summer, when the water temperature is high. Our findings provide a scientific basis for characteristics of phytoplankton and water quality and management at the Lake Chuncheon.

Prioritization of Species Selection Criteria for Urban Fine Dust Reduction Planting (도시 미세먼지 저감 식재를 위한 수종 선정 기준의 우선순위 도출)

  • Cho, Dong-Gil
    • Korean Journal of Environment and Ecology
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    • v.33 no.4
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    • pp.472-480
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    • 2019
  • Selection of the plant material for planting to reduce fine dust should comprehensively consider the visual characteristics, such as the shape and texture of the plant leaves and form of bark, which affect the adsorption function of the plant. However, previous studies on reduction of fine dust through plants have focused on the absorption function rather than the adsorption function of plants and on foliage plants, which are indoor plants, rather than the outdoor plants. In particular, the criterion for selection of fine dust reduction species is not specific, so research on the selection criteria for plant materials for fine dust reduction in urban areas is needed. The purpose of this study is to identify the priorities of eight indicators that affect the fine dust reduction by using the fuzzy multi-criteria decision-making model (MCDM) and establish the tree selection criteria for the urban planting to reduce fine dust. For the purpose, we conducted a questionnaire survey of those who majored in fine dust-related academic fields and those with experience of researching fine dust. A result of the survey showed that the area of leaf and the tree species received the highest score as the factors that affect the fine dust reduction. They were followed by the surface roughness of leaves, tree height, growth rate, complexity of leaves, edge shape of leaves, and bark feature in that order. When selecting the species that have leaves with the coarse surface, it is better to select the trees with wooly, glossy, and waxy layers on the leaves. When considering the shape of the leaves, it is better to select the two-type or three-type leaves and palm-shaped leaves than the single-type leaves and to select the serrated leaves than the smooth edged leaves to increase the surface area for adsorbing fine dust in the air on the surface of the leaves. When considering the characteristics of the bark, it is better to select trees that have cork layers or show or are likely to show the bark loosening or cracks than to select those with lenticel or patterned barks. This study is significant in that it presents the priorities of the selection criteria of plant material based on the visual characteristics that affect the adsorption of fine dust for the planning of planting to reduce fine dust in the urban area. The results of this study can be used as basic data for the selection of trees for plantation planning in the urban area.

Estimation of freeze damage risk according to developmental stage of fruit flower buds in spring (봄철 과수 꽃눈 발육 수준에 따른 저온해 위험도 산정)

  • Kim, Jin-Hee;Kim, Dae-jun;Kim, Soo-ock;Yun, Eun-jeong;Ju, Okjung;Park, Jong Sun;Shin, Yong Soon
    • Korean Journal of Agricultural and Forest Meteorology
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    • v.21 no.1
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    • pp.55-64
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    • 2019
  • The flowering seasons can be advanced due to climate change that would cause an abnormally warm winter. Such warm winter would increase the frequency of crop damages resulted from sudden occurrences of low temperature before and after the vegetative growth stages, e.g., the period from germination to flowering. The degree and pattern of freezing damage would differ by the development stage of each individual fruit tree even in an orchard. A critical temperature, e.g., killing temperature, has been used to predict freeze damage by low-temperature conditions under the assumption that such damage would be associated with the development stage of a fruit flower bud. However, it would be challenging to apply the critical temperature to a region where spatial variation in temperature would be considerably high. In the present study, a phenological model was used to estimate major bud development stages, which would be useful for prediction of regional risks for the freeze damages. We also derived a linear function to calculate a probabilistic freeze risk in spring, which can quantitatively evaluate the risk level based solely on forecasted weather data. We calculated the dates of freeze damage occurrences and spatial risk distribution according to main production areas by applying the spring freeze risk function to apple, peach, and pear crops in 2018. It was predicted that the most extensive low-temperature associated freeze damage could have occurred on April 8. It was also found that the risk function was useful to identify the main production areas where the greatest damage to a given crop could occur. These results suggest that the freezing damage associated with the occurrence of low-temperature events could decrease providing early warning for growers to respond abnormal weather conditions for their farm.