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Evaluation of Mobile Application in User's Perspective: Case of P2P Lending Apps in FinTech Industry

  • Lee, Sangmin
    • KSII Transactions on Internet and Information Systems (TIIS)
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    • 제11권2호
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    • pp.1105-1117
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    • 2017
  • Financial technology, also known as FinTech, is one of the fast growing global businesses in since its inception in 2008. Fintech is a new economic industry, comprised of companies that adopted the latest technologies to provide more efficient financial services than the traditional financial services. Fintech companies are generally small to medium sized startups trying to disintermediate existing financial systems. FinTech companies can be differentiated in several areas, based on its business solutions and target customers. In Korea, the Peer-to-Peer (P2P) lending companies are the most prominent in the FinTech sector. P2P lending is a method of borrowing or lending money to individuals through online services without the use of an official financial institution as an intermediary. The P2P lending companies operate their services entirely online or mobile environment. Consequently, mobile P2P lending application users are dramatically increasing. Thus, it is worth evaluating the acceptance of the mobile apps of the P2P lending companies from a user's perspective. This paper discusses user acceptance of the mobile P2P lending apps, guided by the Technology Acceptance Model. We conclude that the users' acceptance of mobile P2P lending apps are significantly influenced by perceived ease of use, perceived usefulness, and user satisfaction. These in turn influenced their attitude towards using mobile P2P lending apps and intention to use.

A Design of P2P Cloud System Using The Super P2P

  • Jung, Yean-Woo;Cho, Seongsoo;Lee, Jong-Yong;Jeong, KyeDong
    • International Journal of Internet, Broadcasting and Communication
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    • 제7권1호
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    • pp.42-48
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    • 2015
  • Generally, the current commercial cloud system is hosted by the centralization large datacenter. However, the other clouding forms existed and one of them is the P2P cloud. The P2P Cloud is a distributed systems, is freedom to join and leave and is possible to provide the IaaS. Commonly, P2P Cloud System is based on Pure-P2P System. Since a number of connection paths exist, it has a high reliability and easily scalability of the network. However, there are disadvantages of the slow rate of route because of looking up the all peers in order to search for the peer. In this paper, it proposes the P2P cloud system based on super-peer P2P. Super-peer P2P system has fast routing time, because of searching for cluster unit and it also can has high reliability and high scalability. We designs the super Peer cloud service and proposes the system model and Resource Allocation Algorithm for IaaS in Super peer P2P environment.

P2P를 이용한 모바일 데이터 시스템 구현 (Mobile Data System Implementation of P2P used)

  • 김동현
    • 한국정보통신학회논문지
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    • 제9권8호
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    • pp.1691-1695
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    • 2005
  • P2P 환경에서의 파일 공유 방식은 클라이언트/서버 방식과는 다르게 값비싼 서버를 사용하지 않고 클라이언트 컴퓨터들만을 사용하여 자료의 공유 및 관리를 분산시킨다. 이러한 이유로 대용량의 서버를 사용하는 클라이언트/서버 방식에서 발생하는 인적, 물적 자원의 낭비를 최소화 할 수 있다. 또한 사용자의 수가 늘어날수록 연산, 협업의 성과가 높아지는 등의 혜택을 제공한다. 이와 같은 이유로 인해 많은 사람들이 P2P에 관심을 갖고, 또한 현재 각광받고 있는 모바일 관련 분야에도 P2P를 이용한 연구들이 활발하게 진행되고 있다. 모바일 P2P 서비스란 서버의 중개 없이, 서버에 접속해 있는 한 모바일 클라이언트에서 다른 모바일 클라이언트로 다양한 정보 및 데이터를 전송하는 방식으로, 종래의 P2P 채널을 모바일 기반으로 확장한 것이다. 본 연구에서는 모바일 P2P 서비스를 영농정보 공유, 제해 정보의 통계 및 분석을 위한 프로그램에 응용하였다.

ON ERDŐS CHAINS IN THE PLANE

  • Passant, Jonathan
    • 대한수학회보
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    • 제58권5호
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    • pp.1279-1300
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    • 2021
  • Let P be a finite point set in ℝ2 with the set of distance n-chains defined as ∆n(P) = {(|p1 - p2|, |p2 - p3|, …, |pn - pn+1|) : pi ∈ P}. We show that for 2 ⩽ n = O|P|(1) we have ${\mid}{\Delta}_n(P){\mid}{\gtrsim}{\frac{{\mid}P{\mid}^n}{{\log}^{\frac{13}{2}(n-1)}{\mid}P{\mid}}}$. Our argument uses the energy construction of Elekes and a general version of Rudnev's rich-line bound implicit in [28], which allows one to iterate efficiently on intersecting nested subsets of Guth-Katz lines. Let G is a simple connected graph on m = O(1) vertices with m ⩾ 2. Define the graph-distance set ∆G(P) as ∆G(P) = {(|pi - pj|){i,j}∈E(G) : pi, pj ∈ P}. Combining with results of Guth and Katz [17] and Rudnev [28] with the above, if G has a Hamiltonian path we have ${\mid}{\Delta}_G(P){\mid}{\gtrsim}{\frac{{\mid}P{\mid}^{m-1}}{\text{polylog}{\mid}P{\mid}}}$.

빗물활용 옥상녹화 식재지반에 따른 한라구절초의 생육 변화 (Change in Growth of Chrysanthemum zawadskii var. coreanum as Effected by Different Green Roof System under Rainfed Conditions)

  • 주진희;김원태;윤용한
    • 한국조경학회지
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    • 제39권1호
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    • pp.117-123
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    • 2011
  • 본 연구는 빗물 활용 옥상녹화에서 식재기반 차이에 따른 한라구절초의 생육 변화를 살펴보고, 적합한 토심과 토양배합비를 제시함으로써 옥상조경 식물소재로 활용성을 높이고자 한다. 토심(15cm, 25cm)과 토양배합비(SL, $P_7P_1L_2$, $P_6P_2L_2$, $P_5P_3L_2$, $P_4P_4L_2$)를 각각 다르게 실험구를 조성하였으며, 내건성과 관상가치가 뛰어난 한라구절초를 식재한 후 초장, 녹피율, 엽록소 함량, 생체중과 건조중, T/R율 등을 측정하였다. 토심 15cm처리구에서 토양배합비에 따른 한라구절초의 초장의 경우 통계적 유의성은 발견되지 않으나, 전반적으로 PPL배합토인 $P_7P_1L_2$, $P_6P_2L_2$, $P_5P_3L_2$, $P_4P_4L_2$가 사양토인 SL보다 높았다. 토심 25cm처리구의 경우, SL < $P_7P_1L_2$, $P_6P_2L_2$, $P_5P_3L_2$ < $P_4P_4L_2$ 순으로 초장이 길었다. 녹피율의 경우 토심 15cm처리구에서는 초장과 같이 토양배합비에 의한 차이는 뚜렷하지 않았으나, 수치적으로는 SL처리구에서 가장 낮았다. 토심 25cm처리구의 전체적으로 86~89%의 높은 피복률을 나타냈다. 엽록소 함량은 토심 15cm처리구에서 SL이 가장 높게, $P_5P_3L_2$이 가장 낮았으며, 토심 25cm처리구에서는 $P_4P_4L_2$과 SL에서 가장 높은 값을, $P_7P_1L_2$에서 가장 낮은 값을 보였다. 생체중과 건물중의 경우 배합비보다는 토심에 따른 차이가 더 뚜렷하여 토심 25cm처리구가 15cm처리구보다 높았다. 따라서 빗물활용 옥상녹화 식재지반에 있어 한라구절초의 생육은 토심 25cm가 토심 15cm보다, PPL배합토, 특히, 피트모스함량이 높은 $P_4P_4L_2$이 사양토보다 더 적합한 생육환경을 제공해 주는 것으로 분석되었다.

15센티 이격거리의 수중 객체간 P2P VLC 음원전송 기술에 관한 연구 (A Study on P2P VLC Sound Transmission Technology between Underwater Object of 5cm Distance)

  • 김영민;신재권;차재상
    • 한국위성정보통신학회논문지
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    • 제10권3호
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    • pp.44-47
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    • 2015
  • 본 논문에서는 15센티 이격거리의 수중 객체간 P2P VLC 음원전송 기술에 대하여 제안하였다. P2P VLC 음원전송 기술을 제시하였으며, 이와 더불어 LED 송신모듈와 PD(Photo Detector) 수신모듈간 15센티 이격거리에서의 P2P VLC 음원전송 기술을 개발하였다. 수중환경이라는 가정 하에 LED 송신부와 PD 수신부간 음원 전송을 위한 수중 객체간 P2P VLC 음원 전송 실험을 진행하였으며, 이를 통하여 제안기술의 유용성을 입증하였다. 본 논문에서 제안한 15센티 이격거리의 수중 객체간 P2P VLC 음원전송 기술은 수중 환경에서 객체간 P2P VLC 음원전송 기술을 이용할 수 있다는 점에서 다양한 분야에 널리 사용될 수 있을 것으로 기대된다.

pH 측정 시스템의 표준화에 관한 연구 (Studies on the Standardization of pH Measurement System)

  • 이화심;김명수;김진복;오상협
    • 대한화학회지
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    • 제42권4호
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    • pp.432-442
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    • 1998
  • $pH=-loga_H$ 정의에서 pH는 단일 이온의 활동도항을 포함하므로 단지 측정의 방법만으로는 결정되어질 수 없고 근사법을 필요로 한다. 근사법에 의한 pH 측정은 수소전극과 은/염화은 전극을 사용한 액간 접촉이 없는 cell의 기전력 측정으로부터 이루어지는 방법이며, 이 과정을 통해 pH 값이 인증된 pH의 일차 표준 물질을 얻을 수 있다. 일반적인 pH 미터와 전극을 검정하는 데에는 인증된 pH 값을 가지는 표준 완충용액을 사용하므로 표준 완충용액의 pH 값 정혹도는 실제 측정된 pH 값의 실효성을 제한할 수 있다. 본 연구에서는 정확한 pH의 측정을 위해서 pH 값을 인증할 수 있는 시스템을 구축하기 위한 제반의 연구를 수행하였으며, 이를 토대로 pH 1.6∼12.5의 범위에 해당하는 완충용액의 pH를 0.005 pH 단위 이내의 불확도로 인증하였다.

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First Zoea of Petrolisthes trilobatus (Crustacea: Decapoda: Anomura: Porcellanidae) Hatched in the Laboratory

  • Ko, Hyun-Sook
    • Animal cells and systems
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    • 제8권4호
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    • pp.251-254
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    • 2004
  • The first zoea of Petrolisthes trilobatus Osawa, 1996, from a female collected in Japan is described and illustrated. Its morphological characteristics are compared with those of other known species of the genus Petrolisthes. The first zoea of P. trilobatus appears very similar to those of P. lamarckii, P. asiaticus and P. hastatus. However, it could be distinguished from the others in having a spine on the lower posterior margin of the carapace, three pairs of setae on the postero-dorsal surface of the telson and minute spinules on the dorsal margins of the abdominal somites 2-5. Based on zoeal morphology, it is suggested that the zoeas of Petrolisthes could be divided into two groups: the first group (P. coccineus, P. moluccensis, P. lamarckii, P. trilobatus, P. asiaticus, P. hastatus, P. pubescens, P. tomentosus, and P. carinipes) and the second one (P. ohshimai, P. armatus, P. boscii, P. tridentatus, P. tonsorius, and P. japonicus).

곰솔, 리기다소나무 및 소나무의 Monoterpenoids (The Monoterpenoids in Pinus tyhunbergii, Pinus rigida and Pinus densiflora)

  • 강호남;김종희
    • The Korean Journal of Ecology
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    • 제20권5호
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    • pp.323-328
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    • 1997
  • The monoterpenoids are analysed in leaves and fallen leaves of Pinus species (P. thunbergii, P.. rigida. P. densiflora.). The amount of total monoterpenoids of P. thunbergii was always the highest, and then those of P. rigida and P. densiflora were orderly decreasing (P<0.05). The major monoterpenoids of P. thunbergii, P. rigida and P. densiflora are ${\beta}-pinene$, comphene and sabinene. There was no significant difference among the seasonal variation in monoterpenoids composition (P>0.05), but the concentrations of fenchone and bornyl acetate were varied (P<0.05).

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학령전기 아동의 사고예방을 위한 안전교육 프로그램 개발 및 효과 (Development and Effect of Safety Education Program in Preschooler)

  • 김신정
    • Child Health Nursing Research
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    • 제7권1호
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    • pp.118-140
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    • 2001
  • The purpose of this study was to measure the effect of safety education program in preschool children for accident prevention and improve their health through more systematic method. Data were collected from 584 preschoolers(247 preschooler are assigned to experimental group and 337 preschoolers are assinged to control group) from 4 to 6 years old using APP paper test which consists of questions and drawings. To experimental group, safety education were done 4 times within the time of 30 minutes per 1 time using education books, drawings, OHP. The findings of this study are as follows: 1. There were significant difference in movement(χ²=18.732, p=.0000), behavioral character(χ²=27.785, p=.000), synthetic judgement(χ²=12.02, p=0.002). So, safety education program have effect on preschooler. 2. In the accident proneness on preschooler between experimental group and control group according to general characteristics, it proved significant difference in the case of accident prevention education were done, reasoning power(χ²=10.48, p=.005), movement speed(χ²=7.341, p=.025) and behavioral character(χ²=18.86, p=.000), in the case of housing pattern is private house(individual house, yard?), reasoning power(χ²=6.683, p=.035), movement speed(χ²=12.76, p= .002) and behavioral character(χ²=12.24, p=.002), in the case of housing pattern is mixed-type, movement speed(χ²=6.935, p= .031) and behavioral character(χ²=10.816, p=.004), in the case of housing pattern is over six stories, movement speed(χ²=7.543, p=.023), in the case of subjects' age is 4 years old, movement speed(χ²=16.5, p= .000) and behavioral character(χ²=12.18, p=.002), in the case of subjects' age is 5 years old, movement speed(χ²=7.519, p= .023), watchfulness(χ²=6.372, p=.041), behavioral character(χ²=14.74, p=0.001) and synthetic judgement(χ²=14.5, p=.001), in the case of subjects' sex is male, life safety(χ²=6.406, p=.041), movement speed(χ²=22.86, p= .000), behavioral character(χ²=13.72, p= .001) and synthetic judgement(χ²=13.82, p=.001), in the case of subjects' sex is female, reasoning power(χ²=12.57, p=.002) and behavioral character(χ²=13.16, p= .001), in the case of childrens have past accidental experience, traffic safety(χ²= 6.683, p=.035), in the case of childrens have no past accidental experience, reasoning power(χ²=8.384, p=.015), movement speed(χ²=20.6, p=.000), behavioral character(χ²=25.1, p=.000) and synthetic judgement(χ² =10.79, p=.005), in the case of children's order is first, reasoning power(χ²=11.15, p=.004), movement speed(χ²=11.92, p= .003) and behavioral character(χ²=7.003, p=.030), in the case of children's order is second, movement speed(χ²=6.694, p= .035), behavioral character(χ²=26.9, p= .000) and synthetic judgement(χ²=14.3, p= .001), in the case of nuclear family, reasoning power(χ²=8.777, p=.012), movement speed(χ²=19.0, p=.000), behavioral character (χ²=26.4, p=0.000) and synthetic judgement (χ²=9.999, p=.007), in the case of mothers' school career is under high school graduate, life safety(χ²=8.023, p=.018), movement speed(χ²=10.99, p=.004) and behavioral character(χ²=6.777, p=.034), in the case of mothers' school career is beyond college graduate, reasoning power(χ²=6.717, p= .035), movement speed(χ²=8.963, p=.011), behavioral character(χ²=25.03, p=.000) and synthetic judgement(χ²=15.19, p=.001), in the case of mothers' age ranged 31-34, movement speed(χ²=12.29, p=.002) and behavioral character(χ²=14.17, p=.001), in the case of mothers' age ranged 35-39, movement speed(χ²=9.859, p=.007), behavioral character(χ²=9.095, p=.011) and synthetic judgement(χ²=7.810, p=.020), in the case of mothers' age is over 40, life safety(χ² =5.593, p=.025), in the case of mothers' job is full-time, traffic safety(χ²=6.032, p=.049) and reasoning power(χ²=8.502, p= .014), in the case of mothers' job is part- time., movement speed(χ²=10.99, p=.004) and behavioral character(χ²=7.895, p= .019), in the case of mothers have no job, movement speed(χ²=6.410, p=.041), movement stability(χ²=6.879, p=.032), behavioral character(χ²=27.72, p=.000) and synthetic judgement(χ²=18.11, p=.000). The difference of accident proneness between experimental group and control group according to general characterists, it also showed that there were significant difference in behavioral character compared to other area.. From this findings, we can guess that safety education program change and guide preschoolers' behavioral character to desirable direction.

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