• The Journal of Society for e-Business Studies
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• v.23 no.3
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• pp.111-128
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• 2018

Today the paradigm of the financial services industry is shifting to mobile banking, and each financial company provides a variety of mobile banking services. Because of the innovation of mobile banking service, the Internet Only Bank has been launched recently. However, the actual number of users is far less than the number of subscribers. The purpose of this study is to investigate the factors affecting the intention to use of Internet only banking service by applying Task-Technology Fit (TTF) theory. In order to carry out this research, we conducted a survey on the user of the Internet only banking services, tested the measurement validity/reliability analysis and derived structural equation model. The results indicate that there are significant correlations between technology characteristics and task-technology fit and between task-technology fit and continuance intention. The results of this study are expected to provide implications for securing and maintaining the users of Internet banking providers.

• Fashion & Textile Research Journal
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• v.21 no.3
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• pp.277-287
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• 2019

This study analyzes the online issues of design innovation by a fashion creative director. The study selected fashion house Gucci as the main subject and analyzed social media posts. As for study methods, a social matrix program Textom 2.0 collected 13,014 nouns and adjectives using 'Gucci Collection' as a search keyword from Naver Blogs from March to August 2014 and from March to August 2016. Design related issues were derived through semantic network analysis using Ucinet6 and the NetDraw program. The results of the keyword frequency analysis showed that social media user interest for the Gucci collection increased based on the rapid increase in the number of posts from 1,064 to 2,126 after changing the fashion creative director. The results of visualization of semantic network analysis and content analysis also showed that the main issues related to the Gucci collection design changed after the replacement of the fashion creative director. The study found that issues formed around the product information worn by celebrities for promotion purposes during the 2014 period; however, during the 2016 period, issues were formed around 'vintage' and 'retro' runway concepts with design styles related to Alessandro Michele, the new creative director.

• Journal of Information Technology Services
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• v.20 no.6
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• pp.63-81
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• 2021

Joint financial network of Korea Financial Telecommunications and Clearings Institute, which is an essential facility with a natural monopoly, maintained its closedness as monopoly/public utility model, but it has evolved in the form of open banking in order to obtain domestic fintech competitiveness in the rapidly changing digital financial ecosystem such as the acceleration of Big Blur. In accordance with digital transformation strategy of financial institutions, various ICT companies are actively participating in the financial industries, which has been exclusive to banks, through the link technology called Open API. For this reason, there has been a significant change in the financial service supply chain in which ICT companies participate as users. The level of security in the financial service supply chain is determined based on the weakest part of the individual components according to the law of minimum. In addition, there is a perceived risk of personal information and financial information leakage among the main factors that affect users' intention to accept services, and appropriate protective measures against perceived security risks can be a catalyst, which increases the acceptance of open banking. Therefore, this is a study on factors affecting the introduction of open banking to achieve financial innovation by developing an open banking security control model for financial institutions, as a protective measures to user organizations, from the perspectives of cyber financial security and customer information protection, respectively, and surveying financial security experts. It is expected, from this study, that effective information protection measures will be derived to protect the rights and interests of financial customers and will help promote open banking.

• Journal of Information Technology Services
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• v.20 no.6
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• pp.141-150
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• 2021

With the recent spread of the concept of Smart Cities which is to solve urban problems with ICT technology, Living Lab, which identifies the demands of citizens who dwell in the city and verifies the acceptability of the services being introduced, has become an important topic. Living Lab is an open innovation platform introduced in consideration of the user's perspective in real life and is a new approach in that service developers use collective intelligence in the process of Co-creation with users. Living Lab is operated on topics which is close to citizens' daily lives such as energy, housing, transportation, and education. In particular, as energy and environmental-focused Living Lab emerges in accordance with the 'Korean New Deal Policy', interest and importance in the field are increasing. The paper derives the characteristics of water resource Living Lab through case analysis of several Living Lab practices. Water resource Living Lab in Daejeon and Chuncheon, which are located in Korea, and water resource Living Lab in Romania and Indonesia are covered in this paper as the reference. The paper finally analyzes the case of Sambang Water Living Lab in Gimhae, which is the city located in southern part of Korea. As a result of case analysis, the urban water resource Living Lab focuses on the raw water of urban water resource and should respond sensitively to the safety of citizens. And for the success of this urban water resource Living Lab, it is essential to ensure that citizens participating in the Living Lab clearly understand the concept of water resources, and citizens' opinions to be implemented as services.

• Journal of the Korea Institute of Information and Communication Engineering
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• v.25 no.7
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• pp.877-883
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• 2021

Artificial intelligence technology is widely used in industrial and smart home fields such as manufacturing robots, artificial intelligence speakers, and robot vacuum cleaners. In this paper, we designed and implemented a 1:1 chatbot system based on artificial intelligence for use in RCMS (Real-time Cash Management System). The RCMS chatbot implemented in this paper was constructed with a total of 210 query scenarios in nine areas, including research expenses and system usage, based on 13,500 questions and answers from existing online bulletin boards. The chatbot is expected to solve the problem of insufficient number of counselors and to increase user satisfaction by responding to the researcher's inquiries after working hours, and the recommendation service for the cost of use, which had the most inquiries from researchers, reduces the number of consultations. It is expected to improve the quality of answers to other counseling inquiries.

• Fashion & Textile Research Journal
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• v.23 no.3
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• pp.347-357
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• 2021

This study analyzed the effects of optimism and innovativeness, the two drivers of a consumer's technological readiness to use an augmented reality(AR) fashion shopping service within the framework of the Technology Acceptance Model (TAM). The survey was conducted on 249 people (males = 58; females = 191) in their 20s who were willing to participate in the AR experience. Data were analyzed using confirmatory factor analysis (CFA) and structural equation modeling by AMOS 22.0. The results indicated that a greater level of perceived optimism had a positive influence on the ease of use and usefulness of the technology. The findings also show that consumers with a high degree of innovativeness tend to have a higher level of playfulness toward AR fashion shopping. Regarding the effects of user beliefs, ease of use had a positive effect on the perception of usefulness and playfulness with higher levels implying a higher consumer intention to adopt an AR fashion shopping service. In addition, this study reveals the moderating effect of consumers with high-fashion versus those with low-fashion innovativeness. For the latter, technological innovation had an insignificant effect on playfulness, thus indicating that consumers with low interest in fashion did not enjoy AR fashion shopping even if the technology was highly innovative. Nevertheless, the analysis confirms the possibility that experiencing a fashion product through AR technology could replace the actual experience of wearing the products.

• Asia-Pacific Journal of Business
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• v.12 no.3
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• pp.1-36
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• 2021

Purpose - This empirical study, aims to identify the determinants of adoption and acceptance of mobile payment as to understand why it is successful in some countries in Sub-Saharan Africa but failing in others. A comparative study of a successful mobile payment service and a purported failed one was done as to have some insights to the factors affecting acceptance of the technology. Design/methodology/approach - The strength of three notable theories: theory of diffusion of innovation (DOI), the extended unified theory of user acceptance of information technology (UTAUT2) and self-efficacy theory were use. The self-efficacy of government support inclusion as, a moderating variable in the form of infrastructure, securing transaction and price value revealed the relevance of government in the success of mobile payment service. By means of a field survey of 705 subjects in two separate regions of Africa (East and West), the data was collected and use to test the research model. Findings - The study result shows the importance of the moderating factor of government support to the success of mobile payment of any nation. The result also shows the importance of the perception of relative advantage, compatibility, complexity, social influence as already revealed by other studies. Research implications or Originality - Mobile payment success in some part of Sub-Saharan Africa is well known but also suggested to fail in some Sub-Saharan African countries. Buttressing the need for understanding of the factors affecting mobile payment acceptance. This article empirically examined the factors influencing the success of mobile payment, and we implicated that if the implementation of mobile payment is to be successful for mobile commerce in any nation, adoption, acceptance and use by its citizen is imperative.

• Journal of Korea Society of Industrial Information Systems
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• v.15 no.5
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• pp.221-233
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• 2010

For the education information system, evaluation of the performance have to incorporate the special characteristics od education. This paper is to develop some measures to assess the performance of Korean National Education Information System (NEIS). Performance measures are classified those into three detailed areas as the flow of value chain. which include end-users area, education process area and performance area. Research results show that the users's concern to the information system have an affirmative influence on the satisfaction of users, and attitude change of users have also a positive influence on the administration area of the information system such as task productivity, task innovation, satisfaction of the education users, activity of control process. Also, user's satisfaction for NEIS, that comes from the communication, have an affirmative influence on the better performance of education,

• KSII Transactions on Internet and Information Systems (TIIS)
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• v.17 no.7
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• pp.1807-1822
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• 2023

Innovation and rapid increased functionality in user friendly smartphones has encouraged shutterbugs to have picturesque image macros while in work environment or during travel. Formal signboards are placed with marketing objectives and are enriched with text for attracting people. Extracting and recognition of the text from natural images is an emerging research issue and needs consideration. When compared to conventional optical character recognition (OCR), the complex background, implicit noise, lighting, and orientation of these scenic text photos make this problem more difficult. Arabic language text scene extraction and recognition adds a number of complications and difficulties. The method described in this paper uses a two-phase methodology to extract Arabic text and word boundaries awareness from scenic images with varying text orientations. The first stage uses a convolution autoencoder, and the second uses Arabic Character Segmentation (ACS), which is followed by traditional two-layer neural networks for recognition. This study presents the way that how can an Arabic training and synthetic dataset be created for exemplify the superimposed text in different scene images. For this purpose a dataset of size 10K of cropped images has been created in the detection phase wherein Arabic text was found and 127k Arabic character dataset for the recognition phase. The phase-1 labels were generated from an Arabic corpus of quotes and sentences, which consists of 15kquotes and sentences. This study ensures that Arabic Word Awareness Region Detection (AWARD) approach with high flexibility in identifying complex Arabic text scene images, such as texts that are arbitrarily oriented, curved, or deformed, is used to detect these texts. Our research after experimentations shows that the system has a 91.8% word segmentation accuracy and a 94.2% character recognition accuracy. We believe in the future that the researchers will excel in the field of image processing while treating text images to improve or reduce noise by processing scene images in any language by enhancing the functionality of VGG-16 based model using Neural Networks.

• Proceedings of the Korean Institute of Information and Commucation Sciences Conference
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• 2022.10a
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• pp.389-391
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• 2022

Efforts by the Ministry of Environment and local governments in Korea are continuing to manage the aging of water supply and sewage buried underground. With the support of the Korea Institute of Environmental Industry and Technology's water and sewage innovation technology development project, it is conducting a project to predict and exchange accidents due to aging, and to apply smart functions to new buried pipes. As one of these studies, this paper proposes the design of a dashboard concept model for digital twin-based smart pipe health monitoring, one of the key features of the entire study. Since remote control and monitoring are one of the main functions, distributed transmission and reception agents are deployed to visualize monitoring situations in real time and to increase user affinity by deploying intuitive UI. To validate the design of this proposed special digital twin based smart pipe state monitoring, we construct the conceptual model level and measure the agent effectiveness to validate its excellence.