• Journal of Intelligence and Information Systems
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• v.28 no.3
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• pp.259-278
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• 2022

With the spread of Artificial Intelligence (AI), various AI-based services are expanding in the financial sector such as service recommendation, automated customer response, fraud detection system(FDS), credit scoring services, etc. At the same time, problems related to reliability and unexpected social controversy are also occurring due to the nature of data-based machine learning. The need Based on this background, this study aimed to contribute to improving trust in AI-based financial services by proposing a checklist to secure fairness in AI-based credit scoring services which directly affects consumers' financial life. Among the key elements of trustworthy AI like transparency, safety, accountability, and fairness, fairness was selected as the subject of the study so that everyone could enjoy the benefits of automated algorithms from the perspective of inclusive finance without social discrimination. We divided the entire fairness related operation process into three areas like data, algorithms, and user areas through literature research. For each area, we constructed four detailed considerations for evaluation resulting in 12 checklists. The relative importance and priority of the categories were evaluated through the analytic hierarchy process (AHP). We use three different groups: financial field workers, artificial intelligence field workers, and general users which represent entire financial stakeholders. According to the importance of each stakeholder, three groups were classified and analyzed, and from a practical perspective, specific checks such as feasibility verification for using learning data and non-financial information and monitoring new inflow data were identified. Moreover, financial consumers in general were found to be highly considerate of the accuracy of result analysis and bias checks. We expect this result could contribute to the design and operation of fair AI-based financial services.

• Electronics and Telecommunications Trends
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• v.36 no.4
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• pp.135-144
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• 2021

The field of user authentication in Korea has experienced new dimensions since December 2020. Accredited certificate, which had been in use for 21 years since 1999, has been abolished. Accredited certificates have provided a trust foundation for various ICT-based industrial developments; however, new changes in the authentication sector are also required due to changes in the service and policy environment. Changes in the service environment occur rapidly because of the emergence of new technologies such as AI, IoT, Bio, Blockchain, and the daily use of non-face-to-face environments caused by COVID-19. Even with changes in the service environment, user authentication remains an essential foundation for providing services. This paper summarizes the current status of user authentication techniques, analyzes major changes in the service environment (such as Metaverse) associated with user authentication, and presents the direction of authentication techniques (Decentralized, Invisible, Privacy-preserving) through the derived implications.

• International Journal of Internet, Broadcasting and Communication
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• v.15 no.3
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• pp.58-65
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• 2023

Bankruptcy is a significant risk for start-up companies, but with the help of cutting-edge artificial intelligence technology, we can now predict bankruptcy with detailed explanations. In this paper, we implemented the Category Boosting algorithm following data cleaning and editing using OpenRefine. We further explained our model using the Shapash library, incorporating domain knowledge. By leveraging the 5C's credit domain knowledge, financial analysts in banks or investors can utilize the detailed results provided by our model to enhance their decision-making processes, even without extensive knowledge about AI. This empowers investors to identify potential bankruptcy risks in their business models, enabling them to make necessary improvements or reconsider their ventures before proceeding. As a result, our model serves as a "glass-box" model, allowing end-users to understand which specific financial indicators contribute to the prediction of bankruptcy. This transparency enhances trust and provides valuable insights for decision-makers in mitigating bankruptcy risks.

• Management & Information Systems Review
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• v.35 no.4
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• pp.185-211
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• 2016

This study examined the impact of learning organization activities on burnout and the moderating effect of supervisor trust in a learning organization. The results of the study shows that among the activities of a learning organization, independent variables in this study, promoting inquiry and dialogue as well as encouraging collaboration and team learning affect burnout. In other words, the dedication of an organization to creating a culture in which various learning approaches are experimented through questioning and giving feedback as well as collaborative learning that can reinforce the effective use of team resources have an impact on reducing emotional exhaustion, which is considered to be at the core of burnout. Plus, these factors reduce impersonalization, which is activated to prevent further emotional exhaustion by dealing with customers, colleagues and jobs in a cold, negative and perfunctory way. In this study, the dimensions of promoting inquiry and dialogue as well as encouraging collaboration and team learning were found to reduce the decline in personal sense of achievement of an employee with a negative assessment of himself or herself derived from a lack of achievement in his or her job. Supervisor trust (integrity, benevolence and ability) had a moderating effect on the relationship between strategic learning leadership and impersonalization/emotional exhaustion. This suggests that the trust of supervisor helps mediate and moderate the emotional exhaustion and impersonalization of organizational members by encouraging leaders to drive change and take the organization to a new direction. The study has provided implications that communication plays an important role in reducing burnout in the learning context such as positive, appreciative inquiry and feedback analysis to identify strength, and that supervisor trust is critical in order to ensure strategic learning leadership exerts greater influence on the organization.

• International Journal of Internet, Broadcasting and Communication
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• v.14 no.1
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• pp.142-151
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• 2022

In this paper, a model combined with explanatory artificial intelligence (xAI) models was presented to secure the reliability of machine learning-based sentiment analysis and prediction. The applicability of the proposed model was tested and described using the IMDB dataset. This approach has an advantage in that it can explain how the data affects the prediction results of the model from various perspectives. In various applications of sentiment analysis such as recommendation system, emotion analysis through facial expression recognition, and opinion analysis, it is possible to gain trust from users of the system by presenting more specific and evidence-based analysis results to users.

• Convergence Security Journal
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• v.23 no.1
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• pp.109-115
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• 2023

The future outlook for defense faces various and challenging environments such as the acceleration of uncertainty in the global security landscape and limitations in domestic social and economic conditions. In response, the Ministry of National Defense seeks to address the problems and threats through defense innovation based on scientific and technological advancements such as artificial intelligence, drones, and robots. To introduce advanced AI-based technology, it is essential to integrate and utilize data on IT environments such as cloud and 5G. However, existing traditional security policies face difficulties in data sharing and utilization due to mainly system-oriented security policies and uniform security measures. This study proposes a paradigm shift to a data value-based security policy based on theoretical background on data valuation and life-cycle management. Through this, it is expected to facilitate the implementation of scientific and technological innovations for national defense based on data-based task activation and new technology introduction.

• Proceedings of the Korean Institute of Information and Commucation Sciences Conference
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• 2022.05a
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• pp.374-376
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• 2022

The Malware App Analysis Tool is a system that analyzes Android-based apps by the AI-based algorithm defined in the tool and detects whether malware code is included. Currently, as the spred of smartphones is activated, crimes using malware apps have increased, and accordingly, security for malware apps is required. Android operating systems used in smartphones have a share of more than 70% and are open-source-based, so not only will there be many vulnerabilities and malware, but also more damage to malware apps, increasing demand for tools to detect and analyze malware apps. However, this paper is proposed because there are many difficulties in designing and developing a malware app analysis tool because the security functional requirements for the malware app analysis tool are not clearly specified. Through the developed protection profile, technology can be improved based on the design and development of malware app analysis tools, safety can be secured by minimizing damage to malware apps, and furthermore, trust in malware app analysis tools can be guaranted through common criteria.

• Journal of Biomedical Engineering Research
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• v.42 no.6
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• pp.277-286
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• 2021

The global market size of AI based SaMD for medical image in 2023 will be anticipated to reach around 620 billion won (518 million dollars). In order for Korean manufacturers to efficiently obtain CE marking for marketing in the EU countries, the paper is to introduce the recommendation and suggestion of how to reclassify SaMD based on classification rules of MDR because, after introducing the Regulation EU 2017/745, classification rules are quite modified and newly added compared to the Directive 93/42/EEC. In addition, the paper is to provide several rules of MDR that may be applicable to decide the classification of SaMD. Lastly, the paper is to examine and demonstrate various secondary data supported by qualitative data because the paper focuses on the suggestion and recommendation with a public trust on the basis of various secondary data conducted by the analysis of field data. In conclusion, the paper found that the previous classification of SaMD followed by the rule of MDD should be reclassified based on the Regulation EU 2017/745. Therefore, the suggestion and recommendation are useful for Korean manufacturers to comprehend the classification of SaMD for marketing in the EU countries.

• International Journal of Advanced Culture Technology
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• v.12 no.1
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• pp.1-10
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• 2024

While technologies such as the 4th revolution and artificial intelligence (AI), which create new value through the convergence of intelligent information technology, are becoming hot topics, the beauty industry is rapidly developing and combining information and communication technology to produce beauty items based on smartphones among mobile technologies. As the area of expands, YouTube is forming a network through various means of information. In particular, beauty-related YouTube videos are a field of great interest and popularity among the public. By classifying the makeup characteristics according to the emotional images shown in domestic YouTube videos by emotional image and identifying the characteristics of makeup, the needs for watching YouTube makeup videos are identified. We aim to build trust in the delivery of information about makeup. The emotional images were divided into four types: 'modern', 'natural', 'gorgeous', and cute. Among the domestic makeup YouTubers, Pony, Isabe and Shinnim, Lamuque were selected. By organizing more diverse makeup-related content systematically and creatively, we expect to have a positive influence on k-makeup not only domestically but also overseas. We aim to provide basic data for follow-up research on makeup YouTuber videos in the field of cosmetology and contribute to marketing plans for the development of the beauty content industry and establishment of promotional strategies.

• Journal of Korean Home Economics Education Association
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• v.35 no.4
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• pp.1-12
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• 2023

At a time when interest in the educational use of ChatGPT is increasing, it is necessary to investigate the perception of ChatGPT among college students. A survey was conducted to compare the current status of internet and interactive artificial intelligence use and perceptions of ChatGPT after using it in the following courses in Spring 2023; 'Family Life and Culture', 'Fashion and Museums', and 'Fashion in Movies' in the first semester of 2023. We also looked at comparative analysis reports and reflection diaries. Information for coursework was mainly obtained through internet searches and articles, but only 9.84% used interactive AI, showing that its application to learning is still insufficient. ChatGPT was first used in the Spring semester of 2023, and ChatGPT was mainly used among conversational AI. ChatGPT is a bit lacking in terms of information accuracy and reliability, but it is convenient because it allows students to find information while interacting easily and quickly, and the satisfaction level was high, so there was a willingness to use ChatGPT more actively in the future. Regarding the impact of ChatGPT on education, students said that it was positive that they were self-directed and that they set up a cooperative class process to verify information through group discussions and problem-solving attitudes through questions. However, problems were recognized that lowered trust, such as plagiarism, copyright, data bias, lack of up-to-date data learning, and generation of inaccurate or incorrect information, which need to be improved.