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Voluntary Insurance for Ensuring Risk-Free On-the-Go Banking Services in Market Competition: A Proposal for Bangladesh

  • Rahman, Akim M.
    • The Journal of Asian Finance, Economics and Business
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    • v.5 no.1
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    • pp.17-27
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    • 2018
  • In 21st Century business world, services are carried out in multifaceted, competitive and rationality manner that are characterized by evolving many factors, which are often unpredictable. On-the-go banking is a product in financial sector. However, it faces serious pitfalls being it riskiness. Bank customers compete for time-saving options. On contrary, PCBs compete for marginalizing its operating costs for enhancing its revenues. On strategic tactics, PCBs targets city customers in multi-facets including offering incentives for enhanced usages of on-the-go banking. Influencing customer's intention, attitude and behavior in banking, PCBs also offers incentive under market system along with often informational asymmetry. However, it causes exploitation. In most cases customers don't read terms & conditions of services. They don't save contract-copy. These weaknesses cause abuses. Customer faces hidden charges, extra fees, account hacked. Addressing the issue, Voluntary Insurance Option is proposed where PCBs will introduce it as a product of bank-services. Transferring risk away from customer will benefit both PCBs and bank-customers. This product can attract new customers who were on the brink using digital banking but just felt it was too risky. This model can facilitate the parties involved for increasing usage of on-the-go banking-services while customers can maintain optimal utility of usages.

Long term life-time of electrochromic poly (3-hexyl thiophene) films modified by surfactant-assisted graphene oxide layers. (계면활성제 기반 산화그래핀층이 도입된 전기변색 poly (3-hexyl thiophene) 박막의 장기 수명 특성)

  • Kim, Tae-Ho;Choe, Gi-In;Kim, Hye-Ri;O, Seong-Hyeon;Gu, Ja-Seung;Na, Yun-Chae
    • Proceedings of the Korean Institute of Surface Engineering Conference
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    • 2016.11a
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    • pp.147-147
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    • 2016
  • In general, organic electrochromic (EC) materials have been known to be electrochemically unstable during the ionic exchange process. One effective method to realize stable EC materials is incorporating graphene derivatives in the polymer matrix, by using the strong interaction between graphene derivatives and polymer. However, previous studies are limited graphene derivatives. In this study, we developed a polymer-graphene derivative complex with the chemical assistance of a surfactant (octadecylamine, ODA). Surfactant-assisted graphene oxide (GO-ODA) was introduced as a protective layer on the electrochromic poly (3-hexyl thiophene) (P3HT) films by the Langmuir-Schaefer method. The deposition of GO-ODA protective layer with high coverage was confirmed by atomic force microscopy. The strong interactions between GO-ODA and P3HT were examined with UV-Vis spectrophotometry and X-ray photoelectron spectroscopy. Electrochemical and electrochromic investigations revealed that the GO-ODA layer greatly improved the long-term cyclability of the P3HT film. These findings imply that the GO-ODA complex has a significant role in creating stable EC cycling, due to its strong interaction with the P3HT film.

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The first move in the game of 9⨯9 Go, using non-strategic Monte-Carlo Tree Search (무전략 몬테카를로 트리탐색을 활용한 9줄바둑에서의 첫 수)

  • Lee, Byung-Doo
    • Journal of Korea Game Society
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    • v.17 no.3
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    • pp.63-70
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    • 2017
  • In AI research Go is regarded as the most challenging board game due to the positional evaluation difficulty and the huge branching factor. MCTS is an exciting breakthrough to overcome these problems. The idea behind AlphaGo was to estimate the winning rate of a given position and then to lead deeper search for finding the best promising move. In this paper, using non-strategic MCTS we verified the fact that most pro players regard the best first move as Tengen (Origin of heaven) in $9{\times}9$ Go is correct. We also compared the average winning rates of the most popular first moves.

Sorption behavior of slightly reduced, three-dimensionally macroporous graphene oxides for physical loading of oils and organic solvents

  • Park, Ho Seok;Kang, Sung Oong
    • Carbon letters
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    • v.18
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    • pp.24-29
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    • 2016
  • High pollutant-loading capacities (up to 319 times its own weight) are achieved by three-dimensional (3D) macroporous, slightly reduced graphene oxide (srGO) sorbents, which are prepared through ice-templating and consecutive thermal reduction. The reduction of the srGO is readily controlled by heating time under a mild condition (at 1 10−2 Torr and 200℃). The saturated sorption capacity of the hydrophilic srGO sorbent (thermally reduced for 1 h) could not be improved further even though the samples were reduced for 10 h to achieve the hydrophobic surface. The large meso- and macroporosity of the srGO sorbent, which is achieved by removing the residual water and the hydroxyl groups, is crucial for achieving the enhanced capacity. In particular, a systematic study on absorption parameters indicates that the open porosity of the 3D srGO sorbents significantly contributes to the physical loading of oils and organic solvents on the hydrophilic surface. Therefore, this study provides insight into the absorption behavior of highly macroporous graphene-based macrostructures and hence paves the way to development of promising next-generation sorbents for removal of oils and organic solvent pollutants.

In vitro study of Streptococcus mutans adhesion on composite resin coated with three surface sealants

  • Kim, Da Hye;Kwon, Tae-Yub
    • Restorative Dentistry and Endodontics
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    • v.42 no.1
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    • pp.39-47
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    • 2017
  • Objectives: Although the coating of surface sealants to dental composite resin may potentially reduce bacterial adhesion, there seems to be little information regarding this issue. This preliminary in vitro study investigated the adhesion of Streptococcus mutans (S. mutans) on the dental composite resins coated with three commercial surface sealants. Materials and Methods: Composite resin (Filtek Z250) discs (8 mm in diameter, 1 mm in thickness) were fabricated in a mold covered with a Mylar strip (control). In group PoGo, the surfaces were polished with PoGo. In groups PS, OG, and FP, the surfaces polished with PoGo were coated with the corresponding surface sealants (PermaSeal, PS; OptiGuard, OG; Fortify Plus, FP). The surfaces of the materials and S. mutans cells were characterized by various methods. S. mutans adhesion to the surfaces was quantitatively evaluated using flow cytometry (n = 9). Results: Group OG achieved the lowest water contact angle among all groups tested (p < 0.001). The cell surface of S. mutans tested showed hydrophobic characteristics. Group PoGo exhibited the greatest bacterial adhesion among all groups tested (p < 0.001). The sealant-coated groups showed statistically similar (groups PS and FP, p > 0.05) or significantly lower (group OG, p < 0.001) bacterial adhesion when compared with the control group. Conclusions: The application of the surface sealants significantly reduced S. mutans adhesion to the composite resin polished with the PoGo.

High-performance photovoltaics by double-charge transporters using graphenic nanosheets and triisopropylsilylethynyl/naphthothiadiazole moieties

  • Agbolaghi, Samira;Aghapour, Sahar;Charoughchi, Somaiyeh;Abbasi, Farhang;Sarvari, Raana
    • Journal of Industrial and Engineering Chemistry
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    • v.68
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    • pp.293-300
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    • 2018
  • Reduced graphene oxide (rGO) nanosheets were patterned with poly[benzodithiophene-bis(decyltetradecyl-thien) naphthothiadiazole] (PBDT-DTNT) and poly[bis(triiso-propylsilylethynyl) benzodithiophene-bis(decyltetradecyl-thien) naphthobisthiadiazole] (PBDT-TIPS-DTNT-DT) and used in photovoltaics. Conductive patternings changed via surface modification of rGO; because polymers encountered a high hindrance while assembling onto grafted rGO. The best records were detected in indium tin oxide (ITO):poly(3,4-ethylenedioxythiophene):poly(styrenesulfonate) (PEDOT:PSS):PBDTDTNT/rGO:PBDT-DTNT:LiF:Al devices, i.e., short current density $(J_{sc})=11.18mA/cm^2$, open circuit voltage $(V_{oc})=0.67V$, fill factor (FF) = 62% and power conversion efficiency (PCE) = 4.64%. PCE increased 2.31 folds after incorporation of PBDT-DTNT into thin films. Larger polymer assemblies on bared-rGO nanosheets resulted in greater phase separations.

Effects of Ankle Self-Mobilization with Movement Intervention on Ankle Dorsiflexion Passive Range of Motion, Timed Up and Go Test, and Dynamic Gait Index in Patients with Chronic Stroke

  • Park, Donghwan
    • Physical Therapy Rehabilitation Science
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    • v.10 no.3
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    • pp.257-262
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    • 2021
  • Objective: Patients with stroke generally diminished ankle range of motion, which decreases balance and walking ability. This study aimed to determine the effect of ankle self-mobilization with movement (s-MWM) on ankle dorsiflexion passive range of motion, timed up and go test, and dynamic gait index in patients with chronic stroke. Design: Randomized controlled trial design Methods: Twenty-four post-stroke patients participated in this study. The participants were randomized into the control (n = 12) and self-MWM groups (n = 12). Both groups attended standard rehabilitation therapy for 30 minutes per session. In addition, self-MWM group was performed 3 times per week for 8 weeks. All participants have measured ankle dorsiflexion passive range of motion, timed up and go test, and dynamic gait index in before and after the intervention. Results: After 8 weeks of training, self-MWM group showed greater improvement in ankle dorsiflexion passive range of motion, timed up and go test, and dynamic gait index than in the control group (p<0.05). Further, self-MWM group had significantly improvement in all dependent variables compared to the pre-test (p<0.05). Conclusions: Our investigation demonstrates that self-MWM is beneficial for improving functional ability. Also, self-MWM was superior to control with respect to improving ankle dorsiflexion passive range of motion, timed up and go test, and dynamic gait index.

Experimental Study of Water Penetration Rate Via Graphene Oxide Membrane According to Driven Pressure Difference (산화 그래핀 맴브레인의 물투과 속도와 차압 조건 간 상관관계에 대한 실험적 연구)

  • Kim, Ji-Min
    • Journal of the Korean Society of Mechanical Technology
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    • v.20 no.6
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    • pp.858-864
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    • 2018
  • Graphene oxide (GO) laminate is a new promising material for water purification system, which has extraordinary permeability only for water molecule. It consists of numerous nano-channels, in which water molecules could be nano-confined, resulting in slip of the molecules for very fast transportation speed. In this study, water penetration rate via different thickness of GO membrane according to driven pressures are measured experimentally, so that speed of water molecules and permeability are evaluated. Generally, water penetration rate via a membrane with macroscopic-sized channel increases linearly with pressure difference between up and bottom side of the membrane, but that via GO membrane approaches asymptotic value (i.e. saturation) as like a log function. Moreover, the permeability of GO membrane was observed in inverse proportion to its thickness. Based on the experimental observations, a correlation for volume flux via GO membrane was suggested with respect to its thickness and external pressure difference.

A Case of Jaeumganghwa-tang and Gyeongok-go Korean Medicine Treatment for Asthma Patients (천식 환자에 대한 자음강화탕과 경옥고 한의치료 1례)

  • Seo, Haeni;Song, Ho-sueb;Yang, Seung-bo
    • The Journal of Internal Korean Medicine
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    • v.43 no.3
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    • pp.493-501
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    • 2022
  • Objectives: This study aimed to report the effects of Jaeumganghwa-tang (Ziyinjianghuo-tang) and Gyeongok-go on a patient with asthma. Methods: A 54-year-old female patient was treated with herbal medicine, including Jaeumganghwa-tang, Gyeongok-go, acupuncture, and moxibustion treatment. The effects of treatments were evaluated using the modified medical research council dyspnea scale (mMRC), St. George's Respiratory Questionnaire (SGRQ), and Quality of Life Questionnaire for Adult Korean Asthmatics (QLQAKA). Results: Following treatment, the mMRC score decreased from 2 to 1, the SGRQ score decreased from 60.53 to 25.61, and the QLQAKA score increased from 44 to 72. In the SGRQ, symptom scores decreased from 70.67 to 57.49, activity scores from 36.22 to 25.96, and impact scores from 72.15 points to 15.44 points. In QLQAKA, symptom scores increased from 18 to 21, emotional scores from 7 to 13, environmental scores from 6 to 14, and activity scores from 13 to 24. Conclusion: The results suggest that Jaeumganghwa-tang and Gyeongok-go could be effective in treating patients with asthma.

Fabrication of the FET-based SPM probe by CMOS standard process and its performance evaluation (CMOS 표준 공정을 통한 SPM 프로브의 제작 및 그 성능 평가)

  • Lee, Hoontaek;Kim, Junsoo;Shin, Kumjae;Moon, Wonkyu
    • Journal of Sensor Science and Technology
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    • v.30 no.4
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    • pp.236-242
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    • 2021
  • In this paper, we report the fabrication of the tip-on-gate of a field-effect-transistor (ToGoFET) probe using a standard complementary metal-oxide-semiconductor (CMOS) process and the performance evaluation of the fabricated probe. After the CMOS process, I-V characteristic measurement was performed on the reference MOSFET. We confirmed that the ToGoFET probe could be operated at a gate voltage of 0 V due to channel ion implantation. The transconductance at the operating point (Vg = 0 V, Vd = 2 V) was 360 ㎂/V. After the fabrication process was completed, calibration was performed using a pure metal sample. For sensitivity calibration, the relationship between the input voltage of the sample and the output current of the probe was determined and the result was consistent with the measurement result of the reference MOSFET. An oxide sample measurement was performed as an example of an application of the new ToGoFET probe. According to the measurement, the ToGoFET probe could spatially resolve a hundred nanometers with a height of a few nanometers in both the topographic image and the ToGoFET image.