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A Study on the Intention to Use the Loan Service of the Mobile-Based Financial Platform (모바일 기반 금융플랫폼의 대출서비스 사용의도에 관한 연구)

  • Lee, Sangho;Cho, Kwangmoon
    • Journal of Internet of Things and Convergence
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    • v.8 no.3
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    • pp.1-10
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    • 2022
  • The purpose of this study was to investigate how the characteristics of mobile-based financial platforms have an impact on the intention to use loan service users. In addition, it was attempted to investigate whether usefulness and ease of use had a mediating effect in the relationship between each characteristic of the mobile financial platform on the intention to use the loan service. Data collection was conducted from March 1 to April 30, 2022, and 200 people participated in the study. Analysis methods were frequency analysis, exploratory factor analysis, reliability analysis, correlation analysis, hierarchical multiple regression analysis, and three-step mediation regression analysis. The research results are as follows. First, the influence of user factors, technical factors, and environmental factors of a financial platform on the intention to use a mobile loan service was found to be ubiquity in user factors, reliability in technical factors, and facilitation conditions in environmental factors. Second, in the relationship between convenience and intention to use user factors, usefulness had a completely mediating effect. Third, in the relationship between reliability of technical factors and intention to use, usefulness showed a partial mediating effect. Fourth, in the relationship between the social impact of environmental factors and facilitation conditions and intention to use, the usefulness showed a partial mediating effect. Fifth, ease of use showed a completely mediating effect in the relationship between convenience and intention of use of user factors. Sixth, in the relationship between reliability of technical factors and intention to use, ease of use showed a partial mediating effect. Seventh, in the relationship between the social impact of environmental factors and intention to use, ease of use showed a partial mediating effect, and in the relationship between facilitation conditions and intention to use, ease of use showed a fully mediating effect. Through this study, we tried to present basic data on the determinants of the user's acceptable intention to use the mobile loan service.

Development of Summer Leaf Vegetable Crop Energy Model for Rooftop Greenhouse (옥상온실에서의 여름철 엽채류 작물에너지 교환 모델 개발)

  • Cho, Jeong-Hwa;Lee, In-Bok;Lee, Sang-Yeon;Kim, Jun-Gyu;Decano, Cristina;Choi, Young-Bae;Lee, Min-Hyung;Jeong, Hyo-Hyeog;Jeong, Deuk-Young
    • Journal of Bio-Environment Control
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    • v.31 no.3
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    • pp.246-254
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    • 2022
  • Domestic facility agriculture grows rapidly, such as modernization and large-scale. And the production scale increases significantly compared to the area, accounting for about 60% of the total agricultural production. Greenhouses require energy input to create an appropriate environment for stable mass production throughout the year, but the energy load per unit area is large because of low insulation properties. Through the rooftop greenhouse, one of the types of urban agriculture, energy that is not discarded or utilized in the building can be used in the rooftop greenhouse. And the cooling and heating load of the building can be reduced through optimal greenhouse operation. Dynamic energy analysis for various environmental conditions should be preceded for efficient operation of rooftop greenhouses, and about 40% of the solar energy introduced in the greenhouse is energy exchange for crops, so it should be considered essential. A major analysis is needed for each sensible heat and latent heat load by leaf surface temperature and evapotranspiration, dominant in energy flow. Therefore, an experiment was conducted in a rooftop greenhouse located at the Korea Institute of Machinery and Materials to analyze the energy exchange according to the growth stage of crops. A micro-meteorological and nutrient solution environment and growth survey were conducted around the crops. Finally, a regression model of leaf temperature and evapotranspiration according to the growth stage of leafy vegetables was developed, and using this, the dynamic energy model of the rooftop greenhouse considering heat transfer between crops and the surrounding air can be analyzed.

Prediction of patent lifespan and analysis of influencing factors using machine learning (기계학습을 활용한 특허수명 예측 및 영향요인 분석)

  • Kim, Yongwoo;Kim, Min Gu;Kim, Young-Min
    • Journal of Intelligence and Information Systems
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    • v.28 no.2
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    • pp.147-170
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    • 2022
  • Although the number of patent which is one of the core outputs of technological innovation continues to increase, the number of low-value patents also hugely increased. Therefore, efficient evaluation of patents has become important. Estimation of patent lifespan which represents private value of a patent, has been studied for a long time, but in most cases it relied on a linear model. Even if machine learning methods were used, interpretation or explanation of the relationship between explanatory variables and patent lifespan was insufficient. In this study, patent lifespan (number of renewals) is predicted based on the idea that patent lifespan represents the value of the patent. For the research, 4,033,414 patents applied between 1996 and 2017 and finally granted were collected from USPTO (US Patent and Trademark Office). To predict the patent lifespan, we use variables that can reflect the characteristics of the patent, the patent owner's characteristics, and the inventor's characteristics. We build four different models (Ridge Regression, Random Forest, Feed Forward Neural Network, Gradient Boosting Models) and perform hyperparameter tuning through 5-fold Cross Validation. Then, the performance of the generated models are evaluated, and the relative importance of predictors is also presented. In addition, based on the Gradient Boosting Model which have excellent performance, Accumulated Local Effects Plot is presented to visualize the relationship between predictors and patent lifespan. Finally, we apply Kernal SHAP (SHapley Additive exPlanations) to present the evaluation reason of individual patents, and discuss applicability to the patent evaluation system. This study has academic significance in that it cumulatively contributes to the existing patent life estimation research and supplements the limitations of existing patent life estimation studies based on linearity. It is academically meaningful that this study contributes cumulatively to the existing studies which estimate patent lifespan, and that it supplements the limitations of linear models. Also, it is practically meaningful to suggest a method for deriving the evaluation basis for individual patent value and examine the applicability to patent evaluation systems.

Floristic Characteristics of Vascular Plants in the Goyangsan Mtn.(Jeongseon-gun) and Munraesan Mtn.(Jeongseon-gun) Area (고양산(1,152.3m, 정선군)과 문래산(1,082.5m, 정선군) 일원의 관속식물)

  • Kim, Young-Chul;Chae, Hyun-Hee;Park, You-Cheol;Lee, Seon-Mi
    • Korean Journal of Environment and Ecology
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    • v.36 no.3
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    • pp.220-256
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    • 2022
  • The most important thing for conserving plant diversity in an area is to make an overall inventory of the plant species inhabiting the area. In particular, limestone areas are known for their high plant diversity and distribution of specific plants. Despite that, only a few have been designated as protected areas. This study investigated the vascular plants distributed in Goyangsan Mtn. and Munraesan Mtn., located in limestone areas of the central part of the Korean Peninsula. A field survey was conducted eight times from April to October 2021. As a result, we identified a total of 654 taxa comprising 113 families, 357 genera, 592 species, 15 subspecies, 44 varieties, and 3 formulas. They included four endangered wild plant species: Astilboides tabularis, Eleutherococcus senticosus, Cypripedium macranthos, and Epilobium hirsutum. Endemic plants in Korea were identified as 32 taxa. Floristic target plants were identified as 168 taxa, specifically 5 taxa of grade V, 41 taxa of grade IV, and 36 taxa of grade III. The red data plants included 2 taxa as "Endangered (EN)", 7 taxa as "Vulnerable (VU)", and 7 taxa as "Near threatened (NT)". A total of 41 taxa of naturalized plants were identified, and 4 of them were invasive alien plants. The surveyed vicinity of Goyangsan Mtn. and Munraesan Mtn. showed high plant diversity and contained core habitats for distribution of an endangered wild plant, Astilboides tabularis,in the limestone area. Moreover, both mountains contained a small population of Cotoneaster integerrimus. These findings confirm that the area has conservation values. Therefore, we propose to identify areas with high plant diversity and designate them as special protected areas.

Applicability Analysis of the HSPF Model for the Management of Total Pollution Load Control at Tributaries (지류총량관리를 위한 HSPF 모형의 적용성 분석)

  • Song, Chul Min;Kim, Jung Soo;Lee, Min Sung;Kim, Seo Jun;Shin, Hyung Seob
    • Ecology and Resilient Infrastructure
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    • v.9 no.1
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    • pp.1-14
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    • 2022
  • The total maximum daily load (TMDL) implemented in Korea mainly manages the mainstream considering a single common pollutant and river discharge, and the river system is divided into unit watersheds. Changes in the water quality of managed rivers owing to the water quality management in tributaries and unit watersheds are not considered when implementing the TMDL. In addition, it is difficult to consider the difference in the load of pollutants generated in the tributary depending on the conditions of the water quality change in each unit watershed, even if the target water quality was maintained in the managed water system. Therefore, it is necessary to introduce the total maximum load management at tributaries to manage the pollution load of tributaries with a high degree of pollution. In this study, the HSPF model, a watershed runoff model, was applied to the target areas consisting of 53 sub-watersheds to analyze the effect of water quality changes the in tributaries on the mainstream. Sub-watersheds were selected from the three major areas of the Paldang water system, including the drainage basins of the downstream of the South Han-River, Gyeongan stream, and North Han-River. As a result, BOD ranged from 0.17 mg/L to 4.30 mg/L, and was generally high in tributaries and decreased in the downstream watershed. TP ranged from 0.02 mg/L - 0.22 mg/L, and the watersheds that had a large impact on urbanization and livestock industry were high, and the North Han-River basin was generally low. In addition, a pollution source reduction scenario was selected to analyze the change in water quality by the amount of pollution load discharged at each unit watershed. The reduction rate of BOD and TP according to the scenario changes was simulated higher in the watershed of the downstream of the North Han-River and downstream and midstream of the Gyeongan stream. It was found that the benefits of water quality reduction from each sub-watershed efforts to improve water quality are greatest in the middle and downstream of each main stream, and it is judged that it can be served as basic data for the management of total tributaries.

Quality Characteristics and Medicated Diet Approach of Sulgidduk supplemented with Borisu(Elaeagnus multiflora Thumb.) (보리수 첨가에 따른 설기떡의 품질특성)

  • Kim, Tae-in;Nam, Hae-Young
    • Journal of the Korean Applied Science and Technology
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    • v.38 no.6
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    • pp.1735-1752
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    • 2021
  • In this study, the Bodhi tree powder is used as an additive to Seolgi rice cake and the research is made how useful the additives are to the Seolgi rice cake. This research would be a good way to develop and distribute the Seolgi rice cake which is added with the powder of Bodhi tree. The results of the study are as follows. 1. The water contents of Bodhi tree was 81.64% with 1.75% of crude protein, 0.81% of crude fat, and 0.56% of crude ash. It was found out that the Bodhi tree has higher contents of polypherol and has the efficacy of anti-oxidation property and has the value as the food stuff. 2. When the Seolgi rice cake is made with the addition of Bodhi tree powder, the value of a and b, sugar, hardness, elasticity, texture and viscosity have risen while the contents of water, L value, pH, stickiness and cohesiveness were lowered. The property test showed that the addition of Bodhi tree to Seolgi rick cake would make all testing items "strong" and the addition of 4% of Bodhi tree in the manufacturing of Seolgi rice cake was most preferred. 3. As for the storage of Seolgi rice cake is concerned, as the period of storage goes by, the value a and b, hardness, elasticity and texture and viscosity have increased while the water contents, L value, stickiness and cohesiveness have reduced. As the period of storage gets longer, the total cell number has increased. But as the more volume of Bodhi tree is added to the rice cake, the total cell number has reduced, thus lengthening the storage period. The rest shows that in producing the Seolgi rice cake, the 4% of addition of Bodhi rice cake is deemed to be the best. It was confirmed that the proper volume of Bodhi powder is proper for the Seolgi rice cake and is also good for decorative and quality characteristics for the rice cake.

Development and evaluation of a nutrition education program for housewives to reduce sodium intake: application of the social cognitive theory and a transtheoretical model (주부대상 나트륨 섭취 줄이기 영양교육 프로그램 개발 및 효과 평가: 사회인지론과 행동변화단계모델 적용)

  • Ahn, Sohyun;Kwon, Jong-Sook;Kim, Kyungmin;Kim, Hye-Kyeong
    • Journal of Nutrition and Health
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    • v.55 no.1
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    • pp.174-187
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    • 2022
  • Purpose: This study was performed to evaluate an education program for housewives to reduce sodium intake based on the social cognitive theory. Methods: Housewives (n = 387) received 2 education sessions focused on food purchase and cooking, and completed a questionnaire on their perceptions of environmental, cognitive, and behavioral factors and the stages of behavioral change to reducing sodium intake both before and after the education program. Results: After the education program, the recognition of social efforts for sodium reduction and sodium labeling and experience with low-sodium products increased. Positive expectancies for the prevention of osteoporosis by the reduction of sodium were enhanced while the main barriers in practicing sodium reduction decreased, especially 'interrupting social relationships when dining with others', 'bad taste', 'preference for soup or stew', and 'limited knowledge and skills to practice'. In addition, cognition and nutrition knowledge related to reducing sodium intake were improved on all scores, but the effect on self-efficacy and dietary behavior was limited to only a few items. The percentage of participants in the pre-action stage (including pre-contemplation, contemplation, and preparation stages) for reducing sodium intake decreased from 43.2% before education to 21.5% after education, while that in the action stage increased from 19.6% before education to 43.5% after education (p < 0.001). The education program had the most significant impact on participants who were in the pre-action stage and showed improved scores in all sections. Conclusion: These results suggest that a customized education program for housewives could be an effective tool to reduce sodium intake by improving personal expectancies, cognition, and nutrition knowledge regarding sodium reduction and enabling a greater section of the population to move to the action stage of reducing sodium intake.

Associations between maternal comprehensive feeding practices and dietary practices in preschool children (어머니의 종합적 식사지도와 유아의 식생활 실천과의 관계)

  • Cho, Myeongil;Kye, Seunghee
    • Journal of Nutrition and Health
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    • v.55 no.1
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    • pp.141-154
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    • 2022
  • Purpose: This study determined the relationships between maternal comprehensive feeding practices (CFP) and dietary practices of preschool children. Methods: Participants of the study were 227 mothers of children aged 3 to 5 years attending daycare centers and kindergartens in Seoul and Gyeonggi Province of Korea. The Comprehensive Feeding Practices Questionnaire was used to assess the maternal feeding practices. The Nutrition Quotient for Preschoolers (NQ-P) was measured to evaluate dietary practice and diet quality of children. Results: The balance of NQ-P for children was positively correlated with the modeling, restrictions for weight control, encouragement of balance and variety, pressure, and involvement among maternal CFP. Moderation of NQ-P was positively correlated with monitoring, modeling, teaching about nutrition, encouragement of balance and variety, environment, and involvement among maternal CFP. However, it was negatively correlated with emotion regulation, food as a reward, and child control in maternal CFP. Among maternal CFP, the environment of NQ-P was positively correlated with monitoring, modeling, teaching about nutrition, encouragement of balance and variety, environment, and involvement, and it was negatively correlated with emotion regulation. As a multiple regression analysis, maternal CFP that positively predicted balance of NQ-P indices were restricted for weight control, pressure, and involvement. Among maternal CFP, encouragement of balance and variety, and environment were positive predictors, while food as a reward, and child control were negative predictors for the moderation of NQ-P. Items of maternal CFP positively predicting environmental factors of NQ-P were monitoring and environment. Conclusion: Mothers are recommended to practice dietary guidance to their children, such as monitoring, modeling, teaching about nutritional information, recommendation of balance and diversity, healthy eating environment, and participation in meal plan and preparation, while they are advised not to conduct any adverse dietary guidance such as emotional control, compensation with food, child control, and food coercion.

Biodiversity Changes and Community Characteristics of Benthic Macroinvertebrates in Weir Section of the Nakdong River, South Korea (낙동강 보 구간 저서성 대형무척추동물의 생물다양성 변화와 군집 특성)

  • Jung, Sang Woo;Kim, Yoon-Ho;Lee, Jae-Ha;Kim, Dong-Gun;Kim, Min-Kyung;Kim, Hyun-Mac
    • Korean Journal of Environment and Ecology
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    • v.36 no.2
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    • pp.150-164
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    • 2022
  • The objective of this study is to analyze the biodiversity changes and characteristics of the benthic macroinvertebrate community in the Nakdong River with eight weirs, which was constructed as one of the Four Major River Restoration Projects from May to October 2020. The study also includes the analysis of changes in the major groups of benthic macroinvertebrates for about ten years, from 2010 to 2020. The surveys collected 97 species of benthic macroinvertebrates belonging to 83 genera, 52 families, 18 orders, five classes, three phyla, and 128.1 individuals/m2. Chironomidae sp. and Tubificidae spp., which are pollutant indicators, dominated throughout the sections. The community analysis result shows the average dominant index and the diversity index of 0.62±0.20 and 1.87±0.63, respectively, and indicated the most stability of the freshwater ecosystem in the upper stream of the Nakdong River. The survey showed dominance by Chironomidae sp. at the center of the Nakdong River weir and the most unstable community in Chilgok and Gangjeong Goryeong weirs. The results of the community stability analysis showed a high distribution of the characteristic group I with high resilience and resistance and small distribution of characteristic group III with low resistance and resilience, indicating a very unstable condition of communities in the Nakdong River weir section. Predators were relatively abundant among the functional feeding groups (FFGs), whereas shredders, gathering-collectors, and filtering-collectors were relatively lower. Among the habitat orientation groups (HOGs), burrowers and climbers were dominant, indicating a wide distribution of groups in ecosystems with low dissolved oxygen. An endangered species level II of Macromia daimoji was found in Sangju and Nakdan weirs. The analysis results for 10 years from 2010 showed that the number of species and populations increased immediately after the dam construction but plummeted in 2016 and are now stabilizing. Chironomidae spp. has been dominant in all sections over the past 10 years, and they are currently maintained at a rate of about 50%. The EPT groups have decreased significantly since 2011, and the Plecoptera and Trichoptera of the group have not yet been restored. The population of Tubificidae spp. showed an increase after construction was completed in 2012 and drastically increased in 2015 and 2020. The species of Cristaria plicata, designated as endangered species level I, has not been observed since 2011 in Hapcheon Changnyeong weir. Moreover, Macromia daimoji was rarely observed in seven weirs until 2015, and it has been confirmed that the current distribution habitat has decreased rapidly.

ICT Company Profiling Analysis and the Mechanism for Performance Creation Depending on the Type of Government Start-up Support Program (정부창업지원 프로그램 참여에 따른 ICT 기업 프로파일링과 성과창출 메커니즘)

  • Ha, Sangjip;Park, Do-Hyung
    • Journal of Intelligence and Information Systems
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    • v.28 no.3
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    • pp.237-258
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    • 2022
  • As the global market environment changes, the domestic ICT industry has a growing influence on the world economy. This industry is regarded as an important driving force in the national economy from a technological and social point of view. In particular, small and medium-sized enterprises (SMEs) in the ICT industry are regarded as essential actors of domestic economic development in terms of company diversity, technology development and job creation. However, since it is small compared to large-sized enterprises, it is difficult for SMEs to survive with a differentiated strategy in an incomplete and rapidly changing environment. Therefore, SMEs must make a lot of efforts to improve their own capabilities, and the government needs to provide the desirable help suitable for corporate internal resources so that they can continue to be competitive. This study classifies the types of ICT SMEs participating in government support programs, and analyzes the relationship between resources and performance creation of each type. The data from the "ICT Small and Medium Enterprises Survey" conducted annually by the Ministry of Science and ICT was used. In the first stage, ICT SMEs were clustered based on common factors according to their experiences with government support programs. Three clusters were meaningfully classified, and each cluster was named "active participation type," "initial support type," and "soloist type." As a second step, this study compared the characteristics of each cluster through profiling analysis for each cluster. The third step carried out in this study was to find out the mechanism of R&D performance creation for each cluster through regression analysis. Different factors affected performance creation for each cluster, and the magnitude of the influence was also different. Specifically, for "active participation type", "current manpower", "technology competitiveness", and "R&D investment in the previous year" were found to be important factors in creating R&D performance. "Initial support type" was identified as "whether or not a dedicated R&D organization exists", "R&D investment amount in the previous year", "Ratio of sales to large companies", and "Ratio of vendors supplied to large companies" contributed to the performance. Lastly, in the case of "soloist type", "current workforce" and "future recruitment plan", "technological competitiveness", "R&D investment", "large company sales ratio", and "overseas sales ratio" showed a significant relationship with the performance. This study has practical implications of showing what strategy should be established when supporting SMEs in the future according to the government's participation in the startup program and providing a guide on what kind of support should be provided.