• Journal of Information Technology Services
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• v.22 no.4
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• pp.81-95
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• 2023

The emergence of Security Token has revolutionized the way assets are traded, bringing efficiency, transparency, and accessibility to the market. However, the Real Estate Security Token market faces challenges, particularly in terms of liquidity. The CMTO(Collateralized Mortgage Token Obligation) model addresses this issue by introducing a novel approach that combines the benefits of NFT(Non-Fungible Token), STO(Security Token Offering), and CMO(Collateralized Mortgage Obligation) techniques to enhance liquidity and promote investment in Real Estate Security Token. The CMTO framework functions by allowing DABS token investors to leverage their tokens as collateral for loans. These token-collateralized loans are pooled together and form the basis for issuing Sequential CMO named CMTO. The CMTO represent a diversified portfolio of token-collateralized loans, providing investors with options based on their financial goals and risk preferences. By implementing CMTO, the Real Estate Security Token market can overcome liquidity challenges, attract a broader range of investors, and unlock the full potential of digital assets in the real estate industry.

• Journal of Internet Computing and Services
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• v.24 no.4
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• pp.15-24
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• 2023

Digital therapeutics (DTx) are utilized to replace or supplement drug therapy to treat patients. DTx are developed as a mobile application for portability and convenience. The government requires security verification to be performed on digital medical devices that manage sensitive information during the transmission and storage of patient data. Although safety verification is included in the approval process for DTx, the cybersecurity checklist used as a reference does not reflect the characteristics of mobile applications. This poses the risk of potentially overlooking vulnerabilities during security verification. This study aims to address this issue by comparing and analyzing existing items based on the mobile tactics, techniques, and procedures of MITRE ATT&CK, which manages globally known and occurring vulnerabilities through regular updates. We identify 16 items that require improvement and expand the checklist to 29 items to propose improvement measures. The findings of this study may contribute to the safe development and advancement of DTx for managing sensitive patient information.

• Journal of Korea Society of Digital Industry and Information Management
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• v.16 no.2
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• pp.95-104
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• 2020

Bribery is one of the world's most destructive and challenging issues. Yet despite efforts on national and international levels to tackle bribery, it remains a significant issue. Recognizing this, ISO has developed a new standard to help organizations fight bribery and promote an ethical business culture, which is "ISO 37001 - Anti-bribery Management Systems" in 2016. ISO 37001 can provide the tools and systems to greatly reduce the risk and help organizations deal with it effectively if it does arise. It is a flexible tool, which can be adapted according to the size and nature of the organization and the bribery risk it faces. After enforcing the Improper Solicitation and Graft Act, Korean government standardized ISO 37001, one of the Business Ethics of Global Standard, harmonizing International Standards into Korean Industrial Standards (KS) in 2017. It is meaningful in that Korean companies have localized regulation which applies to global standard anti-bribery management systems. Only about 100 organizations, however, have adopted ISO 37001 so far. The primary purpose of this paper is to examine the expectation and awareness of ISO 37001. Results show that still many organizations lack of awareness of ISO 37001 and it is implicated that much promotion and education will be necessary. This study has originality and value in that it can provide the guidelines for activation of ISO 37001.

• Journal of The Korean Digital Architecture Interior Association
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• v.10 no.2
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• pp.5-12
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• 2010

Unlike housing development project that can ensure profit by selling built units, a hotel development depends on long-term business operation to be profitable due to characteristics of service industry. The expected cash flow has substantial uncertainty depending on room occupancy rate and room charge. Thus, even after construction is complete, business risk tends to rise. It is necessary to ensure strategic response to uncertainty in future value of a hotel. The objective of the study is to explore strategic measures to deal with risk and uncertain future value in hotel development project by adopting abandonment option, which is a type of real options. The case in analysis had sevenyears of project period: Two years for construction, and five years for operation; a plan was made to sell the hotel after five years' of operation. For the research purpose, option value ofrecoverable investment amount was estimated, and value of abandonment option was KRW 124.921 billion. When abandonment option is applied, the project value was deemed to be KRW 120.592 billion. Generally, the amount of loss is enormous when a real estate project like a hotel development fails, and therefore, application of option is expected to be an effective measure to leverage uncertainty of a project.

• Journal of Digital Convergence
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• v.12 no.12
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• pp.161-172
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• 2014

While innovative information technologies have been adopted quickly into our daily life, we often experience the discontinuance after being temporarily adopted. This paper aims to study the factors influencing discontinuance on Microblog to Chinese users who already temporarily adopted it. According to empirical analysis, complexity and security show up their influences into all perceived risks, and inconvenience innovation and subjective norm just effect social risks. And perceived risk shows influences in every reasons for discontinuance, especially lots influences come from complexity. So according to these results, it is needed that the complexity of Microblog should be reduced.

• Journal of Korea Society of Digital Industry and Information Management
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• v.16 no.1
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• pp.79-92
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• 2020

As the number of systems increases and the network size increases, automated attack prediction systems are urgently needed to respond to cyber attacks. In this study, we developed four types of information gathering sensors for collecting asset and vulnerability information, and developed technology to automatically generate attack graphs and predict attack targets. To improve performance, the attack graph generation method is divided into the reachability calculation process and the vulnerability assignment process. It always keeps up to date by starting calculations whenever asset and vulnerability information changes. In order to improve the accuracy of the attack target prediction, the degree of asset risk and the degree of asset reference are reflected. We refer to CVSS(Common Vulnerability Scoring System) for asset risk, and Google's PageRank algorithm for asset reference. The results of attack target prediction is displayed on the web screen and CyCOP(Cyber Common Operation Picture) to help both analysts and decision makers.

• Journal of Korea Society of Digital Industry and Information Management
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• v.19 no.2
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• pp.147-160
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• 2023

Unlike other currencies, cryptocurrency is not a currency used for general transactions, but is currently applied to various investment assets and its scope is expanding. The purpose of this study is to the effect of personal characteristics on investment intention. As a theoretical background, it was verified by applying the Extended Technical Acceptance Model (ETAM). self-confidence propensity, bandwagon propensity, risk tolerance propensity, network externality, attitude, and Investment intention were composed of variables. The research method collected data from 871 people who had experience in cryptocurrency investment through a survey and analyzed it after excluding the data of 71 people who were judged to be inappropriate. The structural equation modeling method using AMOS was used. As a result of this paper, five hypotheses were accepted as statistically significant. This study concluded that self-confidence propensity, bandwagon propensity, risk tolerance propensity, network externality, and attitude had statistically significant effects on Investment intention. In this respect, this study will be able to provide useful information for cryptocurrency research.

• Journal of Digital Convergence
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• v.18 no.8
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• pp.133-149
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• 2020

The purpose of this study was to investigate the effect of perceived risk on continuous usage intention of Internet primary banks and to verify moderating effects of acceptance factors affecting customers' acceptance of Internet primary banks on the relationship between perceived risk and continuous usage intention. The study aims to find ways to cope with perceived risk and strategic measures of intention in order to increase the intention to continuous usage intention of Internet primary banks. For the analysis, interaction effect were conducted among a total of 457 surveys. As a results, First, perceived risks, acceptance factors and continuous usage intention of the customers of Internet primary banks were significantly correlated. Second, the types of perceived risks which have a significant effect on continued usage intention of Internet primary banks were found to be perceived financial and functional risks. Third, respect to moderating effects of moderator variables, usefulness was found to have a significant moderating effect on the relationship between perceived security risk and continuous usage intention. In addition, ease of use was shown to have a significant moderating effect on the relationship between each type of perceived risks and continuous usage intention. This study attempted to explore and seek strategies to reduce perceived risks and strategic plans for acceptance factors to increase continuous usage intention of Internet primary banks.

• Korean Journal of Agricultural and Forest Meteorology
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• v.11 no.4
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• pp.221-232
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• 2009

The geographical distribution of freeze risk determines the latitudinal and altitudinal limits and the maximum acreage suitable for fruit production. Any changes in its pattern can affect the policy for climate change adaptation in fruit industry. High-definition digital maps for such applications are not available yet due to uncertainty in the combined responses of temperature and dormancy depth under the future climate scenarios. We applied an empirical freeze risk index, which was derived from the combination of the dormancy depth and threshold temperature inducing freeze damage to dormant buds of 'Changhowon Hwangdo' peach trees, to the high-definition digital climate maps prepared for the current (1971-2000), the near future (2011-2040) and the far future (2071-2100) climate scenarios. According to the geospatial analysis at a landscape scale, both the safe and risky areas will be expanded in the future and some of the major peach cultivation areas may encounter difficulty in safe overwintering due to weakening cold tolerance resulting from insufficient chilling. Our test of this method for the two counties representing the major peach cultivation areas in South Korea demonstrated that the migration of risky areas could be detected at a sub-grid scale. The method presented in this study can contribute significantly to climate change adaptation planning in agriculture as a decision aids tool.

• Journal of Digital Convergence
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• v.19 no.8
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• pp.351-359
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• 2021

This study was conducted to analyze the relationship between the practice of aerobic exercise and the prevalence and risk of arthritis with comorbid chronic diseases. For this study, the National Health and Nutrition Examination Survey 2017-2019 data were used and 17,356 people were selected as subjects. The relationship between the practice of aerobic exercise and the prevalence and risk of arthritis according to demographic characteristics and chronic diseases was analyzed by the chi-square independence test and Breslow-Day test. While the rate of aerobic exercise was low among women, the elderly, the low-income group, the low-education group, and people living in rural areas, the prevalence and risk of arthritis were relatively high. And in the chronic disease-positive group, those who practiced aerobic exercise had a relatively lower prevalence and risk of arthritis than those who did not. In particular, the practice of aerobic exercise was an effective complement in reducing the prevalence and risk of arthritis in people with high blood pressure, diabetes, and dyslipidemia. Therefore, the practice of aerobic exercise such as walking, slow running, and aerobic dance should be recommended in terms of the preventive medicine and health care to people who are in the group with a high prevalence of arthritis in demographic characteristics and people who have comorbid chronic diseases.