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A Study on Trust Transfer in Traditional Fintech of Smart Banking (핀테크 서비스에서 오프라인에서 온라인으로의 신뢰전이에 관한 연구 - 스마트뱅킹을 중심으로 -)

  • Ai, Di;Kwon, Sun-Dong;Lee, Su-Chul;Ko, Mi-Hyun;Lee, Bo-Hyung
    • Management & Information Systems Review
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    • v.36 no.3
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    • pp.167-184
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    • 2017
  • In this study, we investigated the effect of offline banking trust on smart banking trust. As influencing factors of smart banking trust, this study compared offline banking trust, smart banking's system quality, and information quality. For the empirical study, 186 questionnaire data were collected from smart banking users and the data were analyzed using Smart-PLS 2.0. As results, it was verified that there is trust transfer in FinTech service, by the significant effect of offline banking trust on smart banking trust. And it was proved that the effect of offline banking trust on smart banking trust is lower than that of smart banking itself. The contribution of this study can be seen in both academic and industrial aspects. First, it is the contribution of the academic aspect. Previous studies on banking were focused on either offline banking or smart banking. But this study, focus on the relationship between offline banking and online banking, proved that offline banking trust affects smart banking trust. Next, it is the industrial contribution. This study showed that offline banking characteristics of traditional commercial banks affect the trust of emerging smart banking service. This means that the emerging FinTech companies are not advantageous in the competition of trust building compared to traditional commercial banks. Unlike traditional commercial banks, the emerging FinTech is innovating the convenience of customers by arming them with new technologies such as mobile Internet, social network, cloud technology, and big data. However, these FinTech strengths alone can not guarantee sufficient trust needed for financial transactions, because banking customers do not change a habit or an inertia that they already have during using traditional banks. Therefore, emerging FinTech companies should strive to create destructive value that reflects the connection with various Internet services and the strength of online interaction such as social services, which have an advantage over customer contacts. And emerging FinTech companies should strive to build service trust, focused on young people with low resistance to new services.

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Factors Associated with Critical Thinking Disposition in Dental Hygiene Students (치위생(학)과 학생의 비판적 사고 성향과 관련 요인)

  • Cho, Young-Sik;Bae, Hyun-Sook;Hwang, Hye-Rim
    • Journal of dental hygiene science
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    • v.11 no.6
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    • pp.543-551
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    • 2011
  • Critical thinking is recognized as core competency for dental hygiene practice. The purpose of this study was to investigate relationship between critical thinking disposition and grade, types of educational programs and satisfaction with interpersonal relationship, major, clinical practice. Total 909 students in associate and baccalaureate dental hygiene educational program completed self-reported questionnaire on critical thinking disposition inventory developed by Yoon(2004). The mean score for critical thinking disposition was 3.38~3.39 on a 5 point scale. There was no difference in critical thinking disposition scores between students of associate and baccalaureate programs. There was no difference in critical thinking disposition scores between grade of students. The results showed a statistically significant relationship between critical thinking disposition and satisfaction with interpersonal relationship and major. Multivariate analysis of variance(MANOVA) revealed that all subscales for three groups according to satisfaction with interpersonal relationship were significantly different(Pillai's trace=0.075, F(14,1782)=4.979, p<0.001) and all subscales for three groups according to satisfaction with major were significantly different(Pillai's trace=0.035, F(14,1728)=2.257, p=0.005).

A Relationship Between Dentistry Consumers' Knowledge and Expectation of Dental Implants (치과의료소비자의 임플란트에 대한 지식과 기대도의 관련성)

  • Yoo, Eun-Mi;Shim, Hyun-ju
    • Journal of dental hygiene science
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    • v.10 no.4
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    • pp.219-225
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    • 2010
  • The purpose of this study was to examine the patients' knowledge and expectation of dental implants and to provide effective consulting and accurate information on implants to them. To that end, between March 23, 2008 and June 5, 2008, patients who were visiting dental clinics (hospitals) in Seoul, Gyeonggi-do, and Incheon areas were surveyed. 84.7% of subjects said that they recognized implants, and the largest number of them (26.7%) of subjects came to know via friends. According to an analysis of subjects' knowledge of the dental implant operation, the maximum value was 4.06, and the minimum value was 3.05. The opinion value on the need to have regular examination after the implant operation was highest at 4.06. Regarding expectation over the implant operation, the maximum value was 4.42, and the minimum value was 1.78. The opinion value on considering the implant operation capability the most important was the highest at 4.42. The relationship between the knowledge of and expectation over implants was significant. By gender, females had a significantly higher level of knowledge than males. Regarding preference, females scored 3.27 points, and males scored 3.23 points. By occupation, professionals earned the highest score of 3.55 in knowledge, and professionals earned the highest score of 3.31 in expectation. According to an analysis of the relation between variables of knowledge of and variables of expectation over implants, the correlation coefficient (r) between the two factors was 0.362, indicating a positive relevancy(+)(p<.01).

The Analysis of Visiting Patterns for the Top of Seoseokdae in Mudeungsan National Park (무등산국립공원 서석대 정상부의 탐방패턴 분석)

  • Shim, Seok-Yeong;Park, Seok-Gon
    • Korean Journal of Environment and Ecology
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    • v.31 no.2
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    • pp.266-274
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    • 2017
  • The purpose of this study was to analyze the number of visitors to the top of Seoseokdae in Mudeungsan National Park, in which visitors are concentrated, and their visiting patterns, thereby suggesting measures to manage the visitors. The number of annual visitors and the numbers of regional and seasonal visitors to Mudeungsan National Park, which affect the concentration of visits to Seoseokdae were analyzed using the data produced by an automatic digitizing device. A field study was conducted to examine the number of seasonal and periodic visitors to Seoseokdae and their visiting patterns. In 2015, the number of visitors was 2,563,651 and 83.9% of the visitors visited via the Jeungsimsa and Wonhyosa area that is near Gwangju City. This area is close to the Seoseokdae area and it is easy to hike between the areas. Therefore, there was an influx of most visitors to Seoseokdae into the Jeungsimsa and Wonhyosa area. In terms of seasonal visitors, the largest number of visitors came in the fall, followed by the summer, spring, and winter in order. However, the seasonal differences were not notable. There was no statistically significant correlation between the number of visitors and meteorological factors. This result may have been because Gwangju citizens frequently visit Mudeungsan regardless of period and weather. Visitors can get to Seoseokdae via the trails into Wonhyosa and Jangbuljae. A slightly larger number of visitors used the trail into Jangbuljae in the fall and winter, whereas a larger number of visitors used the trail into Wonhyosa in the summer. In general, there is a large influx of visitors into Jangbuljae, a strategic visiting point. However, a slightly larger number of visitors may have chosen the trail into Wonhyosa in the summer because they could hike under the shade of trees. In the summer, visitors stayed in Seoseokdae for a short time with a low level of crowdedness. On the other hand, in the fall and winter, visitors stayed in the area longer because they had lunch and rested. During the time, the number of momentary maximum visitors peaked, causing extreme crowdedness. Therefore, some visitors showed the visiting pattern of entering the grassland outside the designate zone. Because this behavior can damage the grassland on the top of Seoseokdae, which can lead to soil erosion, intensive visitor management may be necessary.

Resources Use Characteristics of Higher Fungi in Byeonsanbando National Park (변산반도 국립공원 고등균류의 자원이용적 특성)

  • Jang, Seog-Ki
    • Korean Journal of Environment and Ecology
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    • v.31 no.2
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    • pp.230-251
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    • 2017
  • According to the survey on higher fungi from 2009 to 2011 and also in 2015 in Byeonsanbando National Park, a total of 2 division, 6 class, 18 orders, 61 families, 157 genera and 323 species were observed. In case of Agaricales, there were 23 families, 67 genera and 153 species; Boletales, there were 6 families, 27 genera and 45 species; Russulales, there were 3 family, 4 genera and 40 species; Polyporales, there were 6 family, 21 genera, 28 species. Thus, most of them belonged to the following 4 orders: Agaricales, Russulales, Boletales and Polyporales. Dominant species belonged to Boletaceae (37 species), Russulaceae (36 species), Agaricaceae (28 species) and Amamtaceae (25 species). For the habitat environment, the ectomycorrhizal mushrooms were 40.2% (poisonous mushrooms, 46 species; edible & medicinal mushrooms, 51 species; unknown edible & poisonous mushrooms, 26 species), litter decomposing and wood rotting fungi 35.3%(poisonous mushrooms, 10 species; edible & medicinal mushrooms, 52 species; unknown edible & poisonous mushrooms, 46species), grounding Fungi 22.3%(poisonous mushrooms, 8 species; edible & medicinal mushrooms, 31 species; unknown edible & poisonous mushrooms, 29 species). Monthly, most of poisonous mushrooms, edible & medicinal mushrooms and unknown edible & poisonous mushrooms were found in July and August. In terms of altitude, the most species were observed at 1~99m and the populations dropped by a significant level at an altitude of 200m or higher. It seemed that the most diversified poisonous mushrooms, edible & medicinal mushrooms and unknown edible & poisonous mushrooms occurred at climate conditions with a mean air temperature at $24.0{\sim}25.9^{\circ}C$, the highest air temperature at $28.0{\sim}29.9^{\circ}C$, the lowest air temperature at $20.0{\sim}21.9^{\circ}C$, a relative humidity at 77.0~79.9% and a rainfall of 300.0~499.9mm.

Drugs Most Frequently Used in OPD of Yeungnam University Hospital: March to August, 1985 (영남대학교 의과대학 부속병원 외래환자에 대한 약물처방 동향의 분석)

  • Lee, Kwang-Youn;Kim, Won-Joon;Kim, Sung-Hoon
    • Journal of Yeungnam Medical Science
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    • v.2 no.1
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    • pp.95-102
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    • 1985
  • This report offers descriptive data about the drugs utilized in out patient department (OPD) of Yeungnam University Hospital (YUH) in the period of march to august in 1985. The data in this report were produced by the computerized totalization of the number of mentions of individual drugs included in the prescriptions. The 100 drug entries that were most frequently recorded are listed in rank order. The listing is arbiturarily restricted to the drugs that were prescribed as single preparations, the drugs of basis of compound preparations and the drugs of adjuvent or corrective of compound preparations that have significant therapeutic effects either by generic names. And in addition, the listing also involves the compound preparations used in relatively large frequency, and the individual components of which have the unique pharmacological actions each other by proprietary names. And all routes of administrations were allowed. The 10 drugs most frequently named are diazepam, aluminum compounds, acetaminophen, isoniazid, metoclopramide, $polaramine^{(R)}$, carboxymethylcystem, ephedrine, codeine and caroverine in order. The 521,855 drug mentions listed as above are described by the chief therapeutic usage that each is intended to apply generally. The drugs which account the largest proportion of total mentions were those acting on the central nervous system (20.57%), including tranquilhzers and sedative hypnotics (11.71%), analgesic antipyretics (5.55%), antidepressants (2.15%) etc. Gastrointestinal drugs and smooth muscle preparations (18.64%) included antacids and anti-ulcer drugs (9.24%), antiemetics (3.57%), spasmolytics (3.14%) and others. Respiratory drugs (16.11%) included expectorants and cough preparations (10.99%) and bronchodilators (5.12%). Chemotherapeutic agents (15.12%) included the antiTbc drugs (7.09%) most frequently, and the penicillins (3.33%) accounted the largest proportion among the antibiotics. Cardiovascular drugs (5.64%) included cardiac drugs and coronary vasodilator (4.12%) and antihypertensives and vasodilators (1.06%). And anti-inflammatory drugs (4.33%), vitamins of single preparations (3.76%), hormones and their antagonists (3.29%), common cold preparations (3.12%), diuretics (2.81%), drugs supporting liver function (2.02%), drugs affecting autonomic nervous system(1.89%) including anti-glaucomas, atropine and cerebral vasodilators, antihistamine drugs (1.02%) and disinfectants (0.74%) were following in order. The data in this report were compared to those reported by H. Koch, et al. in United States (US), 1981 as "Drugs Most Frequently Used in Office Practice:National Ambulatory Medical Case Survey, 1981." Cardiovascular drugs prescribed in YUH were much less in proportion than in US (10.56%), but gastrointestinal drugs accounted the larger proportion than in US (3.72%). Expectorants and cough preparations in YUH also accounted the larger proportion than in US (2.74%). In conclusion, in the period of march to august, 1985, OPD of YUH prescribed the CNS drugs including diazepam most frequently, and gastrointestinal, repiratory and chemotherapeutic drugs in next orders. It is supposed that the eating habits of Koreans and a unique atmospheric condition in Taegu as a basin were some important factors that affected the proportions of drugs acting on gastrointestinal and respiratory tracts.

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A Study on Neuroticism in College Students (신경증적 척도에 의한 대학생의 정신건강 평가)

  • Lee, Jung-Hoon;Park, Hyeong-Bae;Cheung, Sung-Douk
    • Journal of Yeungnam Medical Science
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    • v.2 no.1
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    • pp.135-147
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    • 1985
  • The authors studied neuroticism, using Eysenck's Maudsley Personality Inventory (MPI), in 3,893 male college students and 1,976 female college students of Yeungnam University. There was significant difference in the mean averages of total neuroticism scores between male and female students, male students scored $13.45{\pm}7.44$, female students scored $16.89{\pm}7.19$. The items relating to (16) Do you sometimes feel happy, sometimes depressed, without any apparent reason? (38) Do you daydream a lot? (1) Do you have dizzy turns? (2) Do you get palpitations or thumping in your heart? and (35) Do you worry about your health? were scored highly in male, and the items relating to (16) Do you sometimes feel happy, sometimes depressed, without any apparent reason? (1) Do you have dizzy turns? (38) Do you daydream a lot? (8) Do you worry too long over humiliating experiences? (9) Do you consider yourself rather a nervous person? were scored highly in female. Three hundreds and ninety eight male students (10.3%) showed seriously high neuroticism scores of 24 or higher, while 256 female students (13.0%) showed high neuroticism scores of 26 or higher. In a comparison between male students in different school grades, freshman showed the highest level of neuroticism scores. Among the psychosocial factors, there were strong tendencies toward higher neuroticism scores in the students who were dissatisfied with their colleges or departments, and who had pessimistic views of self-image in the past, present, or future in both groups. The male students whose educational fees were paid by their parents, and whose spending money per month was under 10,000 won, showed higher neuroticism scores. The female students whose educational fees were paid by their brothers or sisters, and whose maturation locations were U-P, and who resided in dormitory or other residencies, showed higher neuroticism scores.

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Feasibility Study of the microDiamond Detector for Measurement of Small Field Photon Beam (광자선 소조사면 선량측정을 위한 microDiamond 검출기의 유용성 고찰)

  • Lee, Chang Yeol;Kim, Woo Chul;Kim, Hun Jeong;Ji, Young Hoon;Kim, Kum Bae;Lee, Sang Hoon;Min, Chul Kee;Jo, Gwang Hwan;Shin, Dong Oh;Kim, Seong Hoon;Huh, Hyun Do
    • Progress in Medical Physics
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    • v.25 no.4
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    • pp.255-263
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    • 2014
  • The dosimetry of very small fields is challenging for several reasons including a lack of lateral electronic equilibrium, large dose gradients, and the size of detector in respect to the field size. The objective of this work was to evaluate the suitability of a new commercial synthetic diamond detector, namely, the PTW 60019 microDiamond, for the small field dosimetry in cyberknife photon beams of 6 different collimator size (from 5 mm to 30 mm). Measurements included dose linearity, dose rate dependence, output factors (OF), percentage depth doses (PDD) and off center ratio (OCR). The results were compared to those of pinpoint ionization chamber, diamond detector, microLion liquid Ionization chamber and diode detector. The dose linearity results for the microDiamond detector showed good linearly proportional to dose. The microDiamond detector showed little dose rate dependency throughout the range of 100~600 MU/min, while microLion liquid Ionization chamber showed a significant discrepancy of approximately 5.8%. The OF measured with microDiamond detector agreed within 3.8% with those measured with diode. PDD curves measured with silicon diode and diamond detector agreed well for all the field sizes. In particular, slightly sharper penumbras are obtained by the microDiamond detector, indicating a good spatial resolution. The results obtained confirm that the new PTW 60019 microDiamond detector is suitable candidate for application in small radiation fields dosimetry.

Processing and Quality Properties of Olive Flounder Paralichthys olivaceus Cutlet (넙치(Paralichthys olivaceus) 커틀렛 제품의 제조 및 품질특성)

  • YOON, Moon-Joo;LEE, Jae-Dong;KWON, Soon-Jae;PARK, Si-Young;KONG, Cheong-Sik;JOO, Jong-Chan;KIM, Jeong-Gyun
    • Journal of Fisheries and Marine Sciences Education
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    • v.27 no.3
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    • pp.625-633
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    • 2015
  • Olive flounder (Parlichthys olivaceus) is a large carnivorous fish that live at coastal area and shallow seas in Korea. It was good texture and clean taste because of a high collagen content and low lipid content. More than 70% of olive flounder annual production was traded alive, consequently processing food product from olive flounder is rare to be towed. This study was conducted to investigate the best method of olive flounder cutlet processing. Clean fillet (headless, skinless and contain no viscera part) of olive flounder were divided into 5 portion. Every 100 g of olive flounder meat was wrapped with vinyl then flatten with meat hammer. Flatten fillet then was coated with wheat flour, and seasoned with salt and pepper. These were then coated with egg wash and bread crumbs. Two different method of processing was to make this olive flounder cutlet. Cutlet-1 was fried for 1 min in olive oil, then kept in polyethylene film vacuum packaging ($20{\times}30{\times}0.05mm$) and stored at $-20^{\circ}C$ for 7 days. After 7 days the cutlet was thawed and heat up in microwave for 2 min (Sample-1). The other proup is cutlet-2, which is directly stored in polyethylene film vacuum packaging at $-20^{\circ}C$ for 7 days then thawed and fried for 1 min in olive oil (Sample-2). The factors such as pH, TBA value, amino-N, free amino acid, chemical composition, color value (L, a, b), texture profile, sensory evaluation and viable bacterial count of the olive flounder cutlet (Sample-1, Sample-2) were measured. From the result of sensory evaluation, Sample-2 showed a little high scores than Sample-1. But there was no significant differences in color, odor, taste, texture and overall acceptance between Sample-1 and Sample-2 products.

Experimental and clinical studies with impedance audiometry; the increase in air volume in the middle ear air system and the pneumatization of human temporal bones (측두골의 함기도와 중이강의 용적이 고막 임피던스에 미치는 영향에 관한 연구)

  • 민양기
    • Proceedings of the KOR-BRONCHOESO Conference
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    • 1977.06a
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    • pp.4.4-5
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    • 1977
  • The vibratory energy introduced into the external ear canal is changed by the mechanical factors of eardrum itself, the motility of ossicles, and the air cushion of tympanic cavity and the like. This study was designed to investigate the volume of middle ear cavity and mastoid air cell system as a factor of determining the accoustic impedance of middle ear system. The author studied how the increase in air volume of middle ear cavity effects on the acoustic impedance of middle ear system with dogs' ears and researched the correlation between the degree of pneumatization of temporal bones and the acoustic impedance of middle ear system by comparing the radiological findings of pneumatization (Law's and Towne's projection) with the acoustic impedance measurements with Madsen ZO 70. The result is as follows: 1 The tympanometric findings in control state revealed the curves of type A, and did not change in its configuration by the increase in the air volume of dogs middle ear system. 2. The static compliance of middle ear revealed a distinct and linear increase in proportion to the increase in air volume of middle ear system; the rate of increase was $0.05{\pm}0.02$ cc of static compliance per cc of air volume. 3. Authenticated in the above result and the tendency to increase in static compliance in proportion to the increase in the degree of pneumatization of temporal bones, there was significant regression equation between the degree of pneumatization of temporal bones (x variable) and the static compliance of middle ear system; $y=0.19x{\pm}0.16{\pm}0.05$ It is suggested that the difference in volume of middle ear system plays an important role in the change of the static compliance of middle ear, and the author concludes that the measurement of static compliance of middle ear has clinical value as diagnostic means of evaluating the degree of pneumatization of temporal bones along with some radiological examination.

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