• 대한청각학회지
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• 제25권1호
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• pp.8-13
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• 2021

Background and Objectives: In 2013, the Singapore government reviewed and expanded the Senior Mobility Fund (SMF) to provide subsidy for assistive devices, including hearing aids (HA). While SMF has improved accessibility to HA, its impact on HA acquisition has not been determined. The study aims to elucidate the influence of SMF on HA acquisition and the relationship between financial funding and compliance to HA use. Subjects and Methods: Retrospective review of 643 patients seen between January 2017 to January 2018 at the earnose and throat specialist outpatient clinic, who were referred for a hearing aid evaluation. Of the 643 patients, 109 patients with baseline hearing handicap (HH) scores recorded, and no formal diagnosis of cognitive impairment were included. The patients were grouped according to SMF eligibility and clinical data were obtained. Results: The odds ratio for acquiring HA was significantly higher with SMF, regardless of HH scores. When looking at actual degree of hearing loss (DHL), HA uptake was significantly higher in the least severe of DHL categories. There is no relationship between SMF and compliance to HA use. However, HH score is positively correlated with data log in regression analyses. Conclusions: SMF appears to influence HA acquisition. Especially in financially funded patients with low self-perceived HH, the benefits of HA may be underappreciated given the few hours of HA use. Further studies are warranted to investigate the impact of financial funding on outcomes of HA users to help policy planners and clinicians be prudent in the utilization of SMF.

• Management Science and Financial Engineering
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• 제11권3호
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• pp.95-107
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• 2005

As online shopping malls have emerged as a substantial shopping channel, they have used various sales promotion strategies to acquire new customers. Most of these strategies have been applied by offline malls for years. One, loss-leader pricing, is a type of promotional pricing in which stores sell well known products below their marginal cost, in order to attract customers and induce them to purchase more goods through impulse buying. This strategy is based on the expectation that customers will factor transaction costs into their purchasing decisions. However, its application to online malls fails to recognize that transaction costs are lower online, and that customers will behave differently as a result. Our study predicts that loss-leader pricing will not work online because online malls entail lower searching and moving costs than offline malls The study examines the effectiveness of loss-leader pricing with empirical data from a survey as well as log data from a Korean online shopping mall. The results show that while loss-leader pricing does attract customers to online shopping malls, it encourages cherry-picking rather than impulse purchases of regular-price goods.

• 수산경영론집
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• 제39권1호
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• pp.43-61
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• 2008

Excessive public loan with low interest and other tax benefits have been provided for fishermen, but much of them turned out to be little performed. There were the moral hazards of Suhyup in the process of executing the public loans. As the government gave the reimbursement on the financial loss of Suhyup resulting from the public loans, Suhyup had no responsibility of the bad debt loss. Therefore, Suhyup gave little efforts to reduce the non-performing. The government perceived this problem and tried to reduce the under-performing loans. Thus, the government decided to take limited responsibilities. Suhyup made the progress to reduce the under-performing public loans. Suhyup dealt with these situation and made the credit evaluation model of the fisherman's public loan. This paper is for the credit evaluation model in the fisherman's public loan, which explains the model development methodology and the model characteristics in detail. This evaluation model is composed of two sub-component model. the one is the quantitative model and the other is the qualitative model. The quantitative sub-model is for the identification of fishermen financial status and is based on the financial transaction information. Its development methodology is the CSS modeling for the consumer market. The qualitative sub-model is for the evaluation the business prospect and is based on the business information such as fisherman's management skills, technology, equipment. Its development methodology is the AHP. It provides the detailed information in the model development methodology, which is the ideal example such as the public loan. In addition it gives the information to the interest parties such as policy makers, suhyup and fishermen.

• 정보보호학회논문지
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• 제30권6호
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• pp.1291-1300
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• 2020

최근 딥러닝 기반 비프로파일링 부채널 분석이 제안됐다. 딥러닝 기반 비프로파일링 분석은 신경망 모델을 모든 추측키에 대해 학습시킨 뒤, 학습된 정도의 차이를 통해 올바른 비밀키를 찾아내는 기법이다. 이때, 신경망 학습모델 설계에 따라 비프로파일링 분석성능이 크게 달라지기 때문에 올바른 모델 설계의 기준이 필요하다. 본 논문은 학습모델 설계에 사용 가능한 2가지 loss 함수와 8가지 label 기법을 설명하고, 비프로파일링 분석과 소비전력모델 관점에서 각 label 기법의 분석성능을 예측했다. 해밍웨이트 소비전력모델을 가정했을 때의 비프로파일링 분석 특징을 고려해서 One-hot 인코딩을 적용하지 않은 HW(Hamming Weight) label과 CO(Correlation Optimization) loss를 적용한 학습모델이 가장 좋은 분석성능을 가질 것으로 예측했다. 그리고 AES-128 1라운드 Subbytes 연산 부분 데이터 집합 3가지에 대해 실제 분석을 수행했다. 제시한 각 label 기법과 loss 함수를 적용한 총 16가지 MLP(Multi-Layer Perceptron)기반 학습모델로 두 데이터 집합을 비프로파일링 분석하여 예측에 대해 검증했다.

• 한국생활과학회지
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• 제21권1호
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• pp.41-58
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• 2012

The purpose of this study was to compare the job loss and job seeking experiences between middle-aged men and their younger cohort. Participants included 11 middle-aged unemployed men and nine younger unemployed men. The study adopted a phenomenological approach. In-depth individual interviews were carried out and the theme analysis was used to analyze the interview data. The results showed that the two cohorts experienced the macroeconomic crises, the foreign exchange crisis in 1997 and the global financial crisis in 2008, differently. Their experiences affected their attribution of the unemployment and job seeking process. They expressed ambivalence toward their family while dealing with social isolation from extrafamilial support. Most of the participants criticized government employment support policies and services.

• 한국정보통신학회:학술대회논문집
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• 한국정보통신학회 2019년도 춘계학술대회
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• pp.41-44
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• 2019

현대사회의 금전적인 거래는 대부분 온라인상에서 거래되고 있으며, 오프라인상에서도 현금거래 이외에도 카드 및 스마트폰 등으로 거래가 가능하다. 온라인상에서 이루어지는 금전적인 거래의 장점은 구매과정이 간략하고 현찰로 인한 부피증가와 무게 등의 이동성 저하 요인이 사라진다는 점이다. 그러나 온라인 환경은 물리적인 거리에 제약사항이 없으며, 타인에게 개인정보가 노출될 경우 금전적 손실과 직결될 수 있다는 문제가 있다. 물론 대부분의 금융권에서는 금융 사고에 대비한 보안 정책이 운영되고 있기에 별다른 문제는 없다. 본 논문에서는 OTP를 활용하여 고정적인 카드번호, 유효기간, CVC 등을 매회 임의로 변경하는 것으로 암호화된 정보의 탈취 방지 및 간단한 구조로 동작이 가능함을 보이고자 한다.

• 산업진흥연구
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• 제8권2호
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• pp.21-27
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• 2023

본 연구는 인공지능에 대한 정부와 금융권의 정책 및 활용 사례를 연구하고, 금융권의 향후 정책 과제를 도출 하고자 한다. Gartner에 따르면 2022년 금융업을 이끌어가는 주목할 기술로 '생성형 AI', '자율시스템', '프라이버스 강화 컴퓨테이션(PEC)'을 선정하였다. 금융권은 인공지능, 빅데이터, 블록체인 등 신기술의 발전으로 금융 부분의 혁신을 촉진하고 있다. 코로나 팬데믹 이후 재택근무의 확산 등으로 인한 데이터의 공유, 개인정보 보호 등의 관심이 높아지면서 디지털 신기술에 대한 기업의 변화가 기대된다. 글로벌 금융권 회사들도 디지털 신기술을 활용하여 상품 개발이나 기존 업무의 관리 및 운영에 대한 프로세스 혁신을 도모하고자 IT 비용에 대한 지출을 확대하고 있다. 금융권은 디지털 신기술을 활용하여 자금세탁 방지, 업무 효율성 제고, 개인정보 보호 강화 등의 업무에 적용하고 있다. 산업 간 경계가 사라지는 빅블러의 시대에 새로운 진입자들의 도전에서 경쟁 우위를 선점하기 위해서는 금융권들이 신기술을 업무에 적극 활용해야 한다.

• 경영정보학연구
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• 제25권1호
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• pp.111-128
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• 2023

인공지능(AI) 기술이 발전함에 따라 빅데이터 기반의 상품 선호도 추정 개인화 추천시스템에 관심이 증가하고 있는 추세이다. 하지만 개인화 추천이 적합하지 않은 경우 고객의 구매 의사를 감소시키고 심지어 금융상품의 특성상 막대한 재무적 손실로 확대될 수 있는 위험을 가지고 있다. 따라서 고객의 특성과 상품 선호도를 포괄적으로 반영한 추천시스템을 개발하는 것이 비즈니스 성과 창출과 컴플라이언스 이슈 대응에 매우 중요하다. 특히 금융상품의 경우 개인의 투자성향과 리스크 회피도에 따라 고객의 상품 선호도가 구분되므로 축적된 고객 행동 데이터를 활용하여 맞춤형 추천서비스를 제안하는 것이 필요하다. 이러한 고객의 행동 특성과 거래 내역 데이터를 사용하는 것뿐만 아니라, 고객의 인구통계정보, 자산정보, 종목 보유 정보를 포함하여 추천 시스템의 콜드 스타트 문제를 해결하고자 한다. 따라서, 본 연구는 고객의 거래 로그 기록을 바탕으로 고객의 투자성향과 같은 특성 정보와 거래 내역 및 금융상품 정보를 통해 고객별 금융상품 잠재 선호도를 도출하여 딥러닝 기반의 협업 필터링을 제안한 모형이 가장 성능 우수한 것을 확인하였다. 본 연구는 고객의 금융 투자 메커니즘을 기반으로 금융상품 거래 데이터를 통해 미거래 금융상품에 대한 예상 선호를 도출하는 추천 모델을 구축하여, 선호가 높을 것으로 예상되는 상위 상품군을 추천하는 서비스를 개발하는 것에 의의가 있다.

• 한국중재학회지:중재연구
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• 제27권1호
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• pp.131-160
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• 2017

When any investment dispute arises, the investor has to exhaust the local remedies available in the host state, and according to the agreement between the parties, the investor is filed to the ICSID arbitral tribunal to seek arbitral awards. At this time, if the arbitral tribunal decides that the investment agreement has been violated, it normally demands the host state to provide financial compensations to the investor for economic loss. According to the rules of the investment agreement, the host state is supposed to fulfill the arbitral awards voluntarily. If it is unwilling to provide financial compensations according to the arbitral awards, however, the investor may ask the domestic court of the host state for the recognition and enforcement of arbitral awards. In addition, if the host state is unwilling to fulfill arbitral awards on account of state immunity, the investor may ask his own country (state of nationality) for diplomatic protection and urge it to demand the fulfillment of arbitral awards. Effectiveness for pecuniary damages, a means to solve problems arising in the enforcement of investment arbitral awards, is found to be rather ineffective. For such cases, this study suggests an alternative to demand either a restitution of property or a corrections of violated measures subject to arbitral awards.

• The Journal of Asian Finance, Economics and Business
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• 제7권6호
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• pp.39-46
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• 2020

Playing an important role in developing the economy and overall developments of the country, commercial banks have to be aware of their crucial presence in order to perform well and contribute significantly. At the same time, as a place to receive deposits, banks are required to be in safe situations to avoid bankruptcy or deal with financial crises. This research seeks to identify the determinants of Capital Adequacy Ratio and Banks' performance as well as the relationship between these two dependent variables. The paper uses 128 observations of 16 Vietnamese commercial banks during the period from 2010 to 2017, with two simultaneous dependent variables CAR and ROE, and independent variables including Return on Assets, Tobin Q, Credit growth, GDP growth, Equity to Deposits, Loans to Deposits, Bank size, Cost to Income, Liquidity risk, Provision for Loan loss ratio, Non-performing loans and Inflation. The results reveal that Capital Adequacy Ratio and Banks' Performance have statistically significant relationship and Credit growth, GDP growth, Equity-to-Deposit ratio and Cost-to-Income ratio all have significant effects on two dependent variables. The findings of this study suggest that commercial banks should control the respective elements in order to maintain adequate level of capital and also create effective performance.