• 유통과학연구
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• 제20권11호
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• pp.1-9
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• 2022

Purpose: This study determines the effect of spending distribution, namely experiential, impulsive, self-expressive, prosocial, and conspicuous spending, on the financial well-being of young working women in Malaysia. Research design, data and methodology: This study employed a quantitative and deductive approach. A sample of 400 young working women was selected using a systematic sampling technique. Data were collected using a self-administered questionnaire and analysed using Structural Equation Modelling (CB-SEM). Results: The findings revealed prosocial and impulsive spending as the significant spending distribution to affect financial well-being. The effect of prosocial spending is positive on financial well-being, while the effect of impulsive spending is a negative predictor of financial well-being. All other spending distribution - experiential, self-expressive, and conspicuous spending - do not have a significant effect on financial well-being. Conclusion: To achieve financial well-being, young working women need to distribute the spending budget for the happiness of others and reduce impulse buying. The findings provide useful insights on the significant role of spending distribution in influencing, how to fuel young working women to develop good spending habits that consequently improve their financial well-being, for themselves and Malaysian economics, as well as the plausible solution to overcome financial problems and high indebtedness.

• 제어로봇시스템학회:학술대회논문집
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• 제어로봇시스템학회 2000년도 제15차 학술회의논문집
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• pp.524-524
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• 2000

We have been developing a method to build one-step-ahead prediction models for time series using genetic programming (GP). Our model building method consists of two stages. In the first stage, functional forms of the models are inherited from their parent models through crossover operation of GP. In the second stage, the parameters of the newborn model arc optimized based on an iterative method just like the back propagation. The proposed method has been applied to various kinds of time series problems. An application to the seismic ground motion was presented in the KACC'99, and since then the method has been improved in many aspects, for example, additions of new node functions, improvements of the node functions, and new exploitations of many kinds of mutation operators. The new ideas and trials enhance the ability to generate effective and complicated models and reduce CPU time. Today, we will present a couple of financial applications, espc:cially focusing on gold price prediction in Tokyo market.

• 경영과정보연구
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• 제6권
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• pp.163-186
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• 2001

A venture business plays important roles in the economy of a developing nation. It makes highly value-added product, increases employment and improves the industry structure. The objective of this study is to derive the financial and non-financial characteristics from venture businesses, which determine a highly successful business group or a less successful business group. The firm characteristics are composed of 21 financial(liquidity, leverage, cash flow, activity, productivity, and etc) and 34 non-financial characteristics(manager, technology, marketability and credibility variables), which have been considered as the key characteristics for venture business by the existing literature. All financial ratios and non-financial characters play a role of making discriminations between a highly successful and a less successful group. Because there are not generally accepted definitions, classifying a highly successful and a less successful venture business is a very difficult problem. Operational definitions have many problems but we have no choice in current stage.

• The Journal of Asian Finance, Economics and Business
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• 제7권12호
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• pp.809-818
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• 2020

This study aims to analyze the factors affecting the timeliness of cooperative financial reporting. The methods of measurement and accountability of financial statements must be timely, as it is critical information for making decision. Factors related to accounting information system problems such as timeliness of financial reporting, accounting information systems, teamwork, and internal control were identified in the study as a model. The method in this research is quantitative by taking survey data. The data were processed using SPSS 25, with a model test and partial test to produce a study to analyze the factors that affect the timeliness of cooperative financial reporting. The samples consisted of 60 cooperatives from the city of Tangerang, in Indonesia. The correspondents have published financial reports for each period of the current year and were a legal entity. Furthermore, primary data were collected by a questionnaire using a Likert scale and analyzed by multiple linear regression. The results showed that the Accounting Information System, Teamwork, and Internal Control had a positive and significant effect on the Timeliness of Financial Report Submission. Therefore, the cooperative that prepares financial reports in a timely manner has applied the principles of accountability and transparency.

• 한국정보통신학회:학술대회논문집
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• 한국정보통신학회 2018년도 추계학술대회
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• pp.128-129
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• 2018

우리나라는 최근들어 급속한 고령화 사회로 진입하고 있다. 고령화 사회로 인한 노인들의 문제는 여러 분야에서 나타나게 된다. 신체적 취약점으로 인한 문제 뿐 아니라 인지적 저하로 인한 문제 역시 많은 문제가 발생하게 된다. 인지적 저하는 노인들의 일상생활을 수행하는데 어려움을 야기시키게 되며 이로인한 노인들의 삶의 질 역시 부정적으로 나타나게 된다. 본 연구에서는 인지적 저하 노인들을 대상으로 일상생활 수행이 원활하게 이루어질 수 있는 금융관련 교육콘텐츠를 개발하기 위한 사용자 분석을 실시하고자 한다. 이를 통해 인지저하가 나타날 수 있는 대표적 노인 사례를 개발하고 이를 기반으로 금융관련 교육콘텐츠 개발의 기반을 마련하고자 한다.

• 중소기업융합학회논문지
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• 제5권4호
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• pp.25-30
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• 2015

최근 고객의 편의성을 높이기 위해서 핀테크 금융 기술에 대한 관심이 증가하고 있다. 그러나 금융과 IT가 혼합된 핀테크 금융서비스는 보안에 노출되고 있다. 본 논문에서는 핀테크를 이용한 금융권의 보안문제를 해결하기 위한 대응 방안에 대한 방법을 제안한다. 제안 논문은 다양한 금융사업 영역을 통해 여러 기업들이 제공하고 있는 서비스의 문제점을 파악하고 보안 서비스를 원활하게 하는 방법을 기술하고 있다. 특히, 제안 논문은 보안 서비스의 안전성과 보안 피해를 최소화하기 위한 서비스 방안을 제시하고 있다. 또한, 제안 방법은 기존 핀테크 보안 서비스의 문제점을 분석하여 분석된 결과를 토대로 금융 서비스의 안정화하는 것이 가장 큰 목적이다.

• International Journal of Advanced Culture Technology
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• 제5권2호
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• pp.19-25
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• 2017

The research is to identify social networks of problems that have an influence on the quality of ageing people's lives by using social network analysis, based on the premise that there are differences in networks of ageing problems in urban and rural areas. From analyzing network of ageing people's problems using NodeXL, vertices in the networks of both urban and rural areas are well-connected. For urban areas, financial poverty is the core problem related to the quality of life. It has direct connections with illness and health, family responsibility, housing, role loss in community, and employment, which have positive or negative interactions with the quality of older people's lives. For rural areas, on the other hand, role loss in community is the major problem. It has direct connections with the elderly abuse, financial poverty, leisure activity, divorce, isolation and loneliness from society, education, and suicide. As a result, the research shows that the problems of ageing people have strong linkages and interactive effects with a structure of network, and the networks are different depending on types of places for living.

• Journal of Information Processing Systems
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• 제20권3호
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• pp.391-398
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• 2024

Given the further promotion of economic globalization, China's financial market has also expanded. However, at present, this market faces substantial risks. The main financial and economic risks in China are in the areas of policy, credit, exchange rates, accounting, and interest rates. The current status of China's financial market is as follows: insufficient attention from upper management; insufficient innovation in the development of the financial economy; and lack of a sound financial and economic risk protection system. To further understand the current situation of China's financial market, we conducted a questionnaire survey on the financial market and reached the following conclusions. A comprehensive enterprise questionnaire from the government's perspective, the enterprise's perspective and the individual's perspective showed that the following problems exist in the financial and economic risk prevention aspects of big data and Internet of Things in China. The political system at the country's grassroots level is not comprehensive enough. The legal regulatory system is not comprehensive enough, leading to serious incidents of loan fraud. The top management of enterprises does not pay enough attention to financial risk prevention. Therefore, we constructed a financial and economic risk prevention model based on big data and Internet of Things that has effective preventive capabilities for both enterprises and individuals. The concept reflected in the model is to obtain data through Internet of Things, use big data for screening, and then pass these data to the big data analysis system at the grassroots level for analysis. The data initially screened as big data are analyzed in depth, and we obtain the original data that can be used to make decisions. Finally, we put forward the corresponding opinions, and their main contents represent the following points: the key is to build a sound national financial and economic risk prevention and assessment system, the guarantee is to strengthen the supervision of national financial risks, and the purpose is to promote the marketization of financial interest rates.

• 한국IT서비스학회지
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• 제16권2호
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• pp.33-44
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• 2017

The financial industry recently introduces several issues for utilizing the blockchain technology as the core infrastructure of future finance. Blockchain, first introduced as the underlying technology of Crypto-currencies, Bitcoin is a technology that can ensure the integrity and reliability of data by verifying, recording, and storing data jointly in the network without a central administration organization or a manager. This blockchain has its potential power as a technology for issuing digital currencies, providing transparency, and securing record management, that is expected to be useful in the financial sector. At the same time, considering the characteristics of financial transactions which emphasize privacy, questions are raised about whether a blockchain structure in which information is distributed and shared among participants can be successful. How will we support to implement the potential of the blockchain in order to change the paradigm of the financial industry? How can we manage the side effects of blockchain effectively? Such a policy discussion is necessary. This study introduces the meaning of the blockchain technology, various utilization attempts, and possible problems facing technology from the viewpoint of financial industry, and suggests a policy direction for utilizing this technology as a catalyst to the progress of the financial industry or as a new technology power.

• KSII Transactions on Internet and Information Systems (TIIS)
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• 제15권11호
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• pp.4163-4183
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• 2021

As measures for protecting users and ensuring security of electronic financial transactions, such as online banking, financial institutions in South Korea have implemented network segregation policies. However, a revision of such domain-centered standardized network segregation policies has been increasingly requested because of: 1) increased demand for remote work due to changes resulting from COVID-19 pandemic; and 2) the difficulty of applying new technologies of fintech companies based on information and communications technologies (ICTs) such as cloud services. Therefore, in this study, problems of the remote work environment arising from the network segregation policy currently applied to the financial sector in South Korea and those from the application of new ICTs such as fintech technology have been investigated. In addition, internal network protection policies of foreign financial sectors, such as those of the United States, United Kingdom, European Union, and Russia, and internal network protection policies of non-financial sectors, such as control systems, have been analyzed. As measures for the effective improvement of the current network segregation policy, we propose a policy change from domain-based to data-centric network segregation. Furthermore, to resolve threats of hacking at remote work, recently emerging as a global problem due to COVID-19 pandemic, a standard model for remote work system development applicable to financial companies and a reinforced terminal security model are presented, and an alternative control method applicable when network segregation is not applied is proposed.