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Evaluation of Mobile Application in User's Perspective: Case of P2P Lending Apps in FinTech Industry

  • Lee, Sangmin
    • KSII Transactions on Internet and Information Systems (TIIS)
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    • v.11 no.2
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    • pp.1105-1117
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    • 2017
  • Financial technology, also known as FinTech, is one of the fast growing global businesses in since its inception in 2008. Fintech is a new economic industry, comprised of companies that adopted the latest technologies to provide more efficient financial services than the traditional financial services. Fintech companies are generally small to medium sized startups trying to disintermediate existing financial systems. FinTech companies can be differentiated in several areas, based on its business solutions and target customers. In Korea, the Peer-to-Peer (P2P) lending companies are the most prominent in the FinTech sector. P2P lending is a method of borrowing or lending money to individuals through online services without the use of an official financial institution as an intermediary. The P2P lending companies operate their services entirely online or mobile environment. Consequently, mobile P2P lending application users are dramatically increasing. Thus, it is worth evaluating the acceptance of the mobile apps of the P2P lending companies from a user's perspective. This paper discusses user acceptance of the mobile P2P lending apps, guided by the Technology Acceptance Model. We conclude that the users' acceptance of mobile P2P lending apps are significantly influenced by perceived ease of use, perceived usefulness, and user satisfaction. These in turn influenced their attitude towards using mobile P2P lending apps and intention to use.

A Design of P2P Cloud System Using The Super P2P

  • Jung, Yean-Woo;Cho, Seongsoo;Lee, Jong-Yong;Jeong, KyeDong
    • International Journal of Internet, Broadcasting and Communication
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    • v.7 no.1
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    • pp.42-48
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    • 2015
  • Generally, the current commercial cloud system is hosted by the centralization large datacenter. However, the other clouding forms existed and one of them is the P2P cloud. The P2P Cloud is a distributed systems, is freedom to join and leave and is possible to provide the IaaS. Commonly, P2P Cloud System is based on Pure-P2P System. Since a number of connection paths exist, it has a high reliability and easily scalability of the network. However, there are disadvantages of the slow rate of route because of looking up the all peers in order to search for the peer. In this paper, it proposes the P2P cloud system based on super-peer P2P. Super-peer P2P system has fast routing time, because of searching for cluster unit and it also can has high reliability and high scalability. We designs the super Peer cloud service and proposes the system model and Resource Allocation Algorithm for IaaS in Super peer P2P environment.

Mobile Data System Implementation of P2P used (P2P를 이용한 모바일 데이터 시스템 구현)

  • Kim, Dong-Hyun
    • Journal of the Korea Institute of Information and Communication Engineering
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    • v.9 no.8
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    • pp.1691-1695
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    • 2005
  • Mobile P2P Service can compose free network from one client to another without central server function. Diversified Information & Data are able to be transmitted among peer to peer based upon extended mobile concept. In this paper Mobile P2P Service is applied to the program which gathering, sharing, analysis agricultural information and the natural disasters Information We desire to authenticate request about service to user who is administered between each user to limit connection. Wish to admit authentication mechanism to mechanism that can do information sharing suety in P2P environment to solve this in this treatise and design authentication mechanism.

ON ERDŐS CHAINS IN THE PLANE

  • Passant, Jonathan
    • Bulletin of the Korean Mathematical Society
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    • v.58 no.5
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    • pp.1279-1300
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    • 2021
  • Let P be a finite point set in ℝ2 with the set of distance n-chains defined as ∆n(P) = {(|p1 - p2|, |p2 - p3|, …, |pn - pn+1|) : pi ∈ P}. We show that for 2 ⩽ n = O|P|(1) we have ${\mid}{\Delta}_n(P){\mid}{\gtrsim}{\frac{{\mid}P{\mid}^n}{{\log}^{\frac{13}{2}(n-1)}{\mid}P{\mid}}}$. Our argument uses the energy construction of Elekes and a general version of Rudnev's rich-line bound implicit in [28], which allows one to iterate efficiently on intersecting nested subsets of Guth-Katz lines. Let G is a simple connected graph on m = O(1) vertices with m ⩾ 2. Define the graph-distance set ∆G(P) as ∆G(P) = {(|pi - pj|){i,j}∈E(G) : pi, pj ∈ P}. Combining with results of Guth and Katz [17] and Rudnev [28] with the above, if G has a Hamiltonian path we have ${\mid}{\Delta}_G(P){\mid}{\gtrsim}{\frac{{\mid}P{\mid}^{m-1}}{\text{polylog}{\mid}P{\mid}}}$.

Change in Growth of Chrysanthemum zawadskii var. coreanum as Effected by Different Green Roof System under Rainfed Conditions (빗물활용 옥상녹화 식재지반에 따른 한라구절초의 생육 변화)

  • Ju, Jin-Hee;Kim, Won-Tae;Yoon, Yong-Han
    • Journal of the Korean Institute of Landscape Architecture
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    • v.39 no.1
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    • pp.117-123
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    • 2011
  • This study aims to suggest a suitable soil thickness and soil mixture ratio of a green roof system by verifying the growth of Chrysanthemum zawadskii var. coreanum as affected by different green roof systems using rainwater. The experimental planting grounds were made with different soil thicknesses(15cm, 25cm) and soil mixing ratios (SL, $P_7P_1L_2$, $P_6P_2L_2$, $P_5P_3L_2$, $P_4P_4L_2$) and with excellent drought tolerance. Ornamental value Chrysanthemum zawadskii var. coreanum was planted. The change in plant height, green coverage ratio, chlorophyll content, fresh weight, dry weight, and dry T/R ratio of Chrysanthemum zawadskii var. coreanum were investigated from April to October 2009. For 15cm soil thickness, the plant height of Chrysanthemum zawadskii var. coreanum was not significantly different as affected by the soil mixing ratio. However, it was found to be higher in the amended soil mixture, $P_7P_1L_2$, $P_6P_2L_2$, $P_5P_3L_2$ and $P_4P_4L_2$ than in the sandy loam soil, as it was SL overall. For 25cm soil the plant height differences were in order to SL < $P_7P_1L_2$, $P_6P_2L_2$, $P_5P_3L_2$ < $P_4P_4L_2$. The green coverage ratio was observed not to be different by soil mixing ratio with soil thickness of 15cm, but, the lowest green coverage ratio in the SL. In the 25cm soil thickness, the green coverage ratio was 86-89% with a good coverage rate overall. The change in chlorophyll contents with 15cm soil thickness was found to be the highest in the SL treatment and the lowest in the $P_5P_3L_2$ treatment. For 25cm thickness, the highest value was in the $P_4P_4L_2$ and SL, and the lowest in the$P_7P_1L_2$. Fresh weight and dry weight were larger in soil with 25cm thickness. Therefore, the growth of Chrysanthemum zawadskii var. coreanum as affected by a different green roof system for using rainwater was higher in soil with 25cm thickness than 15cm, and in PPL amended soil than in sandy loam.

A Study on P2P VLC Sound Transmission Technology between Underwater Object of 5cm Distance (15센티 이격거리의 수중 객체간 P2P VLC 음원전송 기술에 관한 연구)

  • Kim, Youngmin;Shin, Jaekwon;Cha, Jaesang
    • Journal of Satellite, Information and Communications
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    • v.10 no.3
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    • pp.44-47
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    • 2015
  • In this paper, P2P VLC Sound Transmission Technology between Underwater Object of 5cm Distance. It proposed a P2P VLC sound transmission technology, and developed a P2P VLC sound transmission technology between LED transmitter and PD(Photo Detector) receiver of 15cm distance. Under the assumption that the underwater environment, it performs a P2P VLC sound transmission experiment between LED transmitter and PD receiver for sound transmission, and demonstrated the usefulness of the proposed technology. In this paper, P2P VLC Sound Transmission Technology between Underwater Object of 5cm Distance, and proposed technology is expected to be widely used in various fields because it can use P2P VLC sound transmission technology between underwater object in the underwater environment.

Studies on the Standardization of pH Measurement System (pH 측정 시스템의 표준화에 관한 연구)

  • Lee, Hwa Shim;Kim, Myung Soo;Kim, Jin Bok;Oh, Sang Hyup
    • Journal of the Korean Chemical Society
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    • v.42 no.4
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    • pp.432-442
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    • 1998
  • Since the definition of pH, $pH=-Ioga_H$ is based on a single ion activity, pH values can not be determined with measurement itself, but require an approximation method. They are derived from EMF measurement of a liquid junction free cell using hydrogen and Ag/AgCl electrodes. Primary standard materials with certified pH values can be obtained with this approximation method. Standard buffer solutions are used to calibrate pH meters. Thus the accuracy of the pH values of standard buffer solutions limits the reliability of measured pH values can be obtained with this approximation method. Standard buffer solution are used to calibrate pH meters. Thus the accuracy of the pH values of standard buffer solutions limits the reliability of measured pH values of sample solutions. To certify the pH values, we have established the system for the primary standard measurement and certified the pH of buffer solutions in the range of 1.6∼12.5 pH unit within uncertainty of ${\pm}0.005$ pH unit.

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First Zoea of Petrolisthes trilobatus (Crustacea: Decapoda: Anomura: Porcellanidae) Hatched in the Laboratory

  • Ko, Hyun-Sook
    • Animal cells and systems
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    • v.8 no.4
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    • pp.251-254
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    • 2004
  • The first zoea of Petrolisthes trilobatus Osawa, 1996, from a female collected in Japan is described and illustrated. Its morphological characteristics are compared with those of other known species of the genus Petrolisthes. The first zoea of P. trilobatus appears very similar to those of P. lamarckii, P. asiaticus and P. hastatus. However, it could be distinguished from the others in having a spine on the lower posterior margin of the carapace, three pairs of setae on the postero-dorsal surface of the telson and minute spinules on the dorsal margins of the abdominal somites 2-5. Based on zoeal morphology, it is suggested that the zoeas of Petrolisthes could be divided into two groups: the first group (P. coccineus, P. moluccensis, P. lamarckii, P. trilobatus, P. asiaticus, P. hastatus, P. pubescens, P. tomentosus, and P. carinipes) and the second one (P. ohshimai, P. armatus, P. boscii, P. tridentatus, P. tonsorius, and P. japonicus).

The Monoterpenoids in Pinus tyhunbergii, Pinus rigida and Pinus densiflora (곰솔, 리기다소나무 및 소나무의 Monoterpenoids)

  • 강호남;김종희
    • The Korean Journal of Ecology
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    • v.20 no.5
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    • pp.323-328
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    • 1997
  • The monoterpenoids are analysed in leaves and fallen leaves of Pinus species (P. thunbergii, P.. rigida. P. densiflora.). The amount of total monoterpenoids of P. thunbergii was always the highest, and then those of P. rigida and P. densiflora were orderly decreasing (P<0.05). The major monoterpenoids of P. thunbergii, P. rigida and P. densiflora are ${\beta}-pinene$, comphene and sabinene. There was no significant difference among the seasonal variation in monoterpenoids composition (P>0.05), but the concentrations of fenchone and bornyl acetate were varied (P<0.05).

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Development and Effect of Safety Education Program in Preschooler (학령전기 아동의 사고예방을 위한 안전교육 프로그램 개발 및 효과)

  • Kim ShinJeong
    • Child Health Nursing Research
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    • v.7 no.1
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    • pp.118-140
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    • 2001
  • The purpose of this study was to measure the effect of safety education program in preschool children for accident prevention and improve their health through more systematic method. Data were collected from 584 preschoolers(247 preschooler are assigned to experimental group and 337 preschoolers are assinged to control group) from 4 to 6 years old using APP paper test which consists of questions and drawings. To experimental group, safety education were done 4 times within the time of 30 minutes per 1 time using education books, drawings, OHP. The findings of this study are as follows: 1. There were significant difference in movement(χ²=18.732, p=.0000), behavioral character(χ²=27.785, p=.000), synthetic judgement(χ²=12.02, p=0.002). So, safety education program have effect on preschooler. 2. In the accident proneness on preschooler between experimental group and control group according to general characteristics, it proved significant difference in the case of accident prevention education were done, reasoning power(χ²=10.48, p=.005), movement speed(χ²=7.341, p=.025) and behavioral character(χ²=18.86, p=.000), in the case of housing pattern is private house(individual house, yard?), reasoning power(χ²=6.683, p=.035), movement speed(χ²=12.76, p= .002) and behavioral character(χ²=12.24, p=.002), in the case of housing pattern is mixed-type, movement speed(χ²=6.935, p= .031) and behavioral character(χ²=10.816, p=.004), in the case of housing pattern is over six stories, movement speed(χ²=7.543, p=.023), in the case of subjects' age is 4 years old, movement speed(χ²=16.5, p= .000) and behavioral character(χ²=12.18, p=.002), in the case of subjects' age is 5 years old, movement speed(χ²=7.519, p= .023), watchfulness(χ²=6.372, p=.041), behavioral character(χ²=14.74, p=0.001) and synthetic judgement(χ²=14.5, p=.001), in the case of subjects' sex is male, life safety(χ²=6.406, p=.041), movement speed(χ²=22.86, p= .000), behavioral character(χ²=13.72, p= .001) and synthetic judgement(χ²=13.82, p=.001), in the case of subjects' sex is female, reasoning power(χ²=12.57, p=.002) and behavioral character(χ²=13.16, p= .001), in the case of childrens have past accidental experience, traffic safety(χ²= 6.683, p=.035), in the case of childrens have no past accidental experience, reasoning power(χ²=8.384, p=.015), movement speed(χ²=20.6, p=.000), behavioral character(χ²=25.1, p=.000) and synthetic judgement(χ² =10.79, p=.005), in the case of children's order is first, reasoning power(χ²=11.15, p=.004), movement speed(χ²=11.92, p= .003) and behavioral character(χ²=7.003, p=.030), in the case of children's order is second, movement speed(χ²=6.694, p= .035), behavioral character(χ²=26.9, p= .000) and synthetic judgement(χ²=14.3, p= .001), in the case of nuclear family, reasoning power(χ²=8.777, p=.012), movement speed(χ²=19.0, p=.000), behavioral character (χ²=26.4, p=0.000) and synthetic judgement (χ²=9.999, p=.007), in the case of mothers' school career is under high school graduate, life safety(χ²=8.023, p=.018), movement speed(χ²=10.99, p=.004) and behavioral character(χ²=6.777, p=.034), in the case of mothers' school career is beyond college graduate, reasoning power(χ²=6.717, p= .035), movement speed(χ²=8.963, p=.011), behavioral character(χ²=25.03, p=.000) and synthetic judgement(χ²=15.19, p=.001), in the case of mothers' age ranged 31-34, movement speed(χ²=12.29, p=.002) and behavioral character(χ²=14.17, p=.001), in the case of mothers' age ranged 35-39, movement speed(χ²=9.859, p=.007), behavioral character(χ²=9.095, p=.011) and synthetic judgement(χ²=7.810, p=.020), in the case of mothers' age is over 40, life safety(χ² =5.593, p=.025), in the case of mothers' job is full-time, traffic safety(χ²=6.032, p=.049) and reasoning power(χ²=8.502, p= .014), in the case of mothers' job is part- time., movement speed(χ²=10.99, p=.004) and behavioral character(χ²=7.895, p= .019), in the case of mothers have no job, movement speed(χ²=6.410, p=.041), movement stability(χ²=6.879, p=.032), behavioral character(χ²=27.72, p=.000) and synthetic judgement(χ²=18.11, p=.000). The difference of accident proneness between experimental group and control group according to general characterists, it also showed that there were significant difference in behavioral character compared to other area.. From this findings, we can guess that safety education program change and guide preschoolers' behavioral character to desirable direction.

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