• KSII Transactions on Internet and Information Systems (TIIS)
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• v.11 no.2
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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.

• Applied Biological Chemistry
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• v.2
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• pp.9-14
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• 1961

The formation of sulfide from sulfate has been discussed from the thermodynamic principles. No mechanism of the reaction has been presented. From the stoichiometric and Nernst equations for the conversion of sulfate into sulfide, it was concluded that the formation of sulfide from sulfate can take place more readily if pH of a medium is low. The difficulty of this conversion increases with increasing pH. As pH of a medium increases, the degree of dissociation of H₂S into S= increases and this, in turn, renders the chance of precipitation of sulfide as FeS easier. Higher the pH of a soil or medium, greater is the S= concentration. The concentration of ferrous ion required to remove dissolved sulfide in a medium by forming insoluble FeS decreases with increasing pH. From the theory it was pointed out that an application of lime and iron rich foreign substances to a soil may be effective in causing the removal of dissolved sulfide from solution.

• Fibers and Polymers
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• v.1 no.1
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• pp.25-31
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• 2000

Poly(3-hexyl thiophene)(P3HT) and poly(3-dodecyl thiophene)(P3DT) were polymerized by oxidative coupling with ferric chloride. The P3HT light-emitting device emitted red light and it could be observable in the ordinary indoor light. The device had the turn-on electric field of about 3$\times$$10^7$ V/m. The maximum electroluminescene (EL) intensity was obtained when the thickness of polymer layer was about 130 nm in IT0/P3HT/Al device. The maximum external quantum yield was 0.002%. The maximum luminance was 21 cd/$m^2$. The EL intensity decreases with increasing the crystallinity of the polymer layer. By using the oriented poly(3-alkyl thiophene)(PAT) layer as an electroluminescent layer in the ITO/polymer/Al light-emitting devices, the polarized EL light emission was observed. The EL intensity ratio of parallel to perpendicular direction to the stretch direction for P3HT was about 1.40.

• Archives of Pharmacal Research
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• v.29 no.2
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• pp.152-158
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• 2006

To examine a possible synergistic role for p73 and cisplatin (cis-diamminedichloroplatinum II) in HeLa cells with a nonfunctional p53 protein, we established stable HeLa/p73 clones using a tetracycline inducible eukaryotic expression vector. The HeLa/p73 clones were not characterized by changes in growth or morphology. Cell death analysis, however, indicated a greater sensitivity to cisplatin in the p73-overexpressed HeLa cells than determined for the noninduced HeLa cells. This increased sensitivity seems to affect an induction of a sub-G1 population as assessed from flow cytometry analysis. The increased sub-G1 population may, in turn, result from a reduction of cyclin D1 and B1 expression by cisplatin in the presence of p73. Hoechest staining indicated an increased number of dead cells in the p73-induced cells compared to the non-induced cells. Poly ADP-ribose polymerase (PARP) cleavage was shown to be distinct in the p73-overexpressed cells compared to non-induced cells, which suggests that p73 modulates the cisplatin-induced apoptosis. Therefore, a synergistic effect of p73 and cisplatin to induce apoptosis could lead to new treatment for some types of human cancers.

• Environmental Engineering Research
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• v.19 no.2
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• pp.175-184
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• 2014

Weirs are conventional structures that control water level and velocity in streams to facilitate water resource management. Despite many weirs built in streams, there is little information how weirs change hydrology regime and how that translates to sediment and phosphorus (P) responses. This study evaluated the influence of weirs on P retention and mobilization in an urban tributary of the Han River in Korea. Total P concentrations in sediments upstream of weirs were higher than the downstream site, mainly due to the increase of potentially available fractions (labile P and aluminum- and iron-bound P) (p < 0.05). Equilibrium phosphorus concentrations ($EPC_o$) were lower than soluble reactive phosphorus (SRP) concentrations of stream waters, but there was an increasing trend of sediment $EPC_o$ upstream of weirs compared to the downstream site (p < 0.001) indicating a greater potential for P release upstream of weirs. Sediment core incubation showed that SRP release rates upstream of weirs were higher than the downstream site under anoxic conditions of the water column (p < 0.01), but not under oxic conditions. SRP release rates under anoxic conditions were greater than that measured under oxic conditions. Un-neutral pH and increased temperature could also enhance SRP release rates upstream of weirs. We conclude that weirs can increase P retention within stream sediments and potentially promote significant P releases into waters, which in turn cause eutrophication.

• Honam Mathematical Journal
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• v.39 no.4
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• pp.575-590
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• 2017

A new class of functions called $R_{\theta}$-supercontinuous functions is introduced. Their basic properties are studied and their place in the hierarchy of strong variants of continuity, which already exist in the literature, is elaborated. The class of $R_{\theta}$-supercontinuous functions properly contains the class of $R_z$-supercontinuous functions [39] which in turn properly contains the class of $R_{cl}$-supercontinuous functions [43] and so includes all cl-supercontinuous (clopen continuous) functions ([38], [34]) and is properly contained in the class of $R_{\delta}$-supercontinuous functions [24].

• Bulletin of the Korean Chemical Society
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• v.32 no.9
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• pp.3425-3428
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• 2011

Apolipoprotein A-I (Apo A-I) is a major component for high density lipoproteins (HDL). A number of mimetic peptides of Apo A-I were screened from the phase-displayed random peptide library by utilizing monoclonal antibodies (A12). Mimetic peptide for A12 epitope against Apo A-I was selected as CPFARLPVEHHDVVGL (pA1). From the BLAST search, the mimetic peptide pA1 had 40% homology with Apo A-I. As a result of the structural determination of this mimotope using homo/hetero nuclear 2D-NMR techniques and NMR-based distance geometry (DG)/molecular dynamic (MD) computations, DG structure had low penalty value of 0.3-0.7 ${\AA}^2$ and the total RMSD was 0.6-1.6 ${\AA}$. The mimotope pA1 exhibited characteristic conformation including a ${\beta}$-turn from Pro[7] to His[11].

• Proceedings of the Materials Research Society of Korea Conference
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• 2012.05a
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• pp.86.2-86.2
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• 2012

산화금속은 높은 결정성, quantum size effect, 높은 투과도, 대기중의 안정도 등과 같은 탁월한 성질들로 인하여 오늘날 실리콘의 대체물로서 많은 연구가 보고되고 있다. 이러한 금속산화물의 크기와 모양을 조절하며 대량 생산하기 위한 합성방법으로 가수분해, 금속양이온 응축법과 같은 다양한 수용액상 방법이 연구되고 있다. 하지만 2차원 단일 층에 나노물질을 정렬하고 전기적 접합을 형성하는 것이 매우 어렵다는 점 때문에 나노물질을 기판 위에 자유롭게 성장시키는 방법에 대해서는 아직 많이 보고 되어있지 않다. 본 연구에서 저온의 수용액에서 1차원의 나노막대가 2차원의 스피넬 구조 위에 heteroepotaxial 접합을 이루며 성장시키는 방법을 이용하였다. P-n접합 형성을 위하여 (0001)방향으로 배향된 n-type ZnO 나노막대를 (111)방향의 p-type Co3O4 나노플레이트 위에 성장시킨 구조를 제작하였으며 이를 바탕으로 다이오드소자를 제작하여 ideal factor, turn-on voltage, rectifying ratio등의 전기적 특성을 평가하였다.

• Bulletin of the Korean Chemical Society
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• v.31 no.4
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• pp.798-802
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• 2010

From time-resolved optical emission spectra, we have investigated the effects of a transverse magnetic field on the expansion of a plasma plume produced by laser ablation of a ZnO:$P_2O_5$ ceramic target in oxygen active atmosphere. The emission spectra of $Zn^{+*}$, $P^{+*}$, and $Zn^*$ neutrals in the presence of magnetic field turn out to be considerably different from those without magnetic field. The characteristics of the deposited films grown on amorphous fused silica substrates by pulsed laser deposition (PLD) are examined by analyzing their photoluminescence (PL), X-ray diffraction (XRD), and UV-visible spectra.

• Proceedings of the Membrane Society of Korea Conference
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• 2003.07a
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• pp.51-55
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• 2003

Membranes made with perfluorinated polymers are of particular interest due to the unique features demonstrated by these materials. Both highly hydrophobic and hydrophilic membranes have been developed from appropriate perfluoropolymers, which were in turn obtained by copolymerization of TFE with special monomers available at the industrial scale. Highly hydrophobic membranes obtained from the glassy copolymers of TFE and 2,2,4 trifluoro-5 trifluoromethoxy-1,3 dioxole (Hyflo $n^{ }$ AD) show properties which make them particularly suited for use in the field of gas-liquid contactors and membrane distillation. Hydrophylic highly conductive proton exchange membranes obtained from the copolymer of TFE and a short-side-chain (SSC) perfluorosulfonylfluoridevinylether (Hyflo $n^{ }$ Ion) find interesting application in the field of fuel cells, especially in view of the current tendency to move to high temperature operation.n.