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Consumer Behavior in Achieving the Goals of ESG Banking Products: Focusing on environmental awareness and saving behavior (ESG 금융상품의 목표 달성에 미치는 소비자 행동에 관한 탐색적 연구 -환경인식과 저축행동을 중심으로-)

  • Inkwan Cho;Bong Gyou Lee
    • Journal of Service Research and Studies
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    • v.14 no.2
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    • pp.117-137
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    • 2024
  • ESG has become a necessity for all companies, and major Korean banks are actively practicing ESG management. Banks are playing a role in providing ESG finance as intermediaries in the supply of funds. Recently, they have launched ESG digital banking products that offer preferential interest rates for eco-friendly activities in combination with digital technologies. However, indiscriminate provision of preferential interest rates can adversely affect profitability of banks, and they may face the problem of 'Greenwashing' if they do not contribute to improving environmental awareness. Therefore, this study selected ESG digital savings products linked to electricity savings as the subject of the study, and empirically analyzed consumers' environmental awareness and savings behavior through actual data of consumers (N=2,478). The main findings of this study are as follows First, the analysis of the consumer status of ESG digital banking products shows that the 30-50s are the main consumer base, and the MZ generation shows relatively high performance in achieving preferential interest rates through electricity saving practices. Second, consumers' environmental awareness has a significant impact on achieving the goals of ESG banking products. ESG banking products can contribute to environmental awareness while fulfilling the basic function of saving. Third, environmental awareness did not drive consumers' savings contribution behavior, suggesting the need for continued consumer engagement. Based on environmental awareness and the theory of saving behavior, this study provides a theoretical explanation in ESG financial products. The results suggest that the appropriateness of the preferential interest rate design of ESG financial products is important.

Failure Envelope of Suction Caisson Foundations in Clay Subjected to Combined Loads (점성토 지반에 시공된 석션 케이슨 기초의 파괴포락선 산정)

  • Kang, Sangwook;Lee, Donghyun;Jung, Donghyuk;Han, Taek Hee;Ahn, Jaehun
    • Journal of the Korean Geotechnical Society
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    • v.40 no.2
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    • pp.95-103
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    • 2024
  • The global increase in population and subsequent scarcity of terrestrial living spaces necessitates exploration of alternative habitats. Research into the development of underwater living areas provides promising avenues for the expansion of human living spaces and the use of marine environments. This study focuses on the failure envelope of suction caisson foundations subjected to combined loads in a marine setting, utilizing finite element analysis. The foundation is assumed to be embedded in clay characterized by a linear increase in undrained shear strength with depth, employing the von Mises constitutive model for the clay. The resulting failure envelope is represented as a tilted ellipse which expands as the undrained shear strength increases, maintaining a constant ratio between the major and minor axes. A comparative analysis of two suction caisson foundations with varying length-to-diameter ratios revealed that this ratio influences the dimensions of the failure envelope, with a tendency for the major-to-minor axis ratio to increase as the length-to-diameter ratio increases. These findings are critical for the design of suction caisson foundations in offshore environments.

Numerical Analysis of Electrical Resistance Variation according to Geometry of Underground Structure (지하매설물의 기하학적 특성에 따른 전기저항 변화에 대한 수치 해석 연구)

  • Kim, Tae Young;Ryu, Hee Hwan;Chong, Song-Hun
    • KSCE Journal of Civil and Environmental Engineering Research
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    • v.44 no.1
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    • pp.49-62
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    • 2024
  • Reckless development of the underground by rapid urbanization causes inspection delay on replacement of existing structure and installation new facilities. However, frequent accidents occur due to deviation in construction design planned by inaccurate location information of underground structure. Meanwhile, the electrical resistivity survey, knowns as non-destructive method, is based on the difference in the electric potential of electrodes to measure the electrical resistance of ground. This method is significantly advanced with multi-electrode and deep learning for analyzing strata. However, there is no study to quantitatively assess change in electrical resistance according to geometric conditions of structures. This study evaluates changes in electrical resistance through geometric parameters of electrodes and structure. Firstly, electrical resistance numerical module is developed using generalized mesh occurring minimal errors between theoretical and numerical resistance values. Then, changes in resistances are quantitatively compared on geometric parameters including burial depth, diameter of structure, and distance electrode and structure under steady current condition. The results show that higher electrical resistance is measured for shallow depth, larger size, and proximity to the electrode. Additionally, electric potential and current density distributions are analyzed to discuss the measured electrical resistance around the terminal electrode and structure.

Design of Authentication Mechinism for Command Message based on Double Hash Chains (이중 해시체인 기반의 명령어 메시지 인증 메커니즘 설계)

  • Park Wang Seok;Park Chang Seop
    • Convergence Security Journal
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    • v.24 no.1
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    • pp.51-57
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    • 2024
  • Although industrial control systems (ICSs) recently keep evolving with the introduction of Industrial IoT converging information technology (IT) and operational technology (OT), it also leads to a variety of threats and vulnerabilities, which was not experienced in the past ICS with no connection to the external network. Since various control command messages are sent to field devices of the ICS for the purpose of monitoring and controlling the operational processes, it is required to guarantee the message integrity as well as control center authentication. In case of the conventional message integrity codes and signature schemes based on symmetric keys and public keys, respectively, they are not suitable considering the asymmetry between the control center and field devices. Especially, compromised node attacks can be mounted against the symmetric-key-based schemes. In this paper, we propose message authentication scheme based on double hash chains constructed from cryptographic hash function without introducing other primitives, and then propose extension scheme using Merkle tree for multiple uses of the double hash chains. It is shown that the proposed scheme is much more efficient in computational complexity than other conventional schemes.

Evaluation of Hydrogeological Characteristics of Deep-Depth Rock Aquifer in Volcanic Rock Area (화산암 지역 고심도 암반대수층 수리지질특성 평가)

  • Hangbok Lee;Chan Park;Junhyung Choi;Dae-Sung Cheon;Eui-Seob Park
    • Tunnel and Underground Space
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    • v.34 no.3
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    • pp.231-247
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    • 2024
  • In the field of high-level radioactive waste disposal targeting deep rock environments, hydraulic characteristic information serves as the most important key factor in selecting relevant disposal sites, detailed design of disposal facilities, derivation of optimal construction plans, and safety evaluation during operation. Since various rock types are mixed and distributed in a small area in Korea, it is important to conduct preliminary work to analyze the hydrogeological characteristics of rock aquifers for various rock types and compile the resulting data into a database. In this paper, we obtained hydraulic conductivity data, which is the most representative field hydraulic characteristic of a high-depth volcanic bedrock aquifer, and also analyzed and evaluated the field data. To acquire field data, we used a high-performance hydraulic testing system developed in-house and applied standardized test methods and investigation procedures. In the process of hydraulic characteristic data analysis, hydraulic conductivity values were obtained for each depth, and the pattern of groundwater flow through permeable rock joints located in the test section was also evaluated. It is expected that the series of data acquisition methods, procedures, and analysis results proposed in this report can be used to build a database of hydraulic characteristics data for high-depth rock aquifers in Korea. In addition, it is expected that it will play a role in improving technical know-how to be applied to research on hydraulic characteristic according to various bedrock types in the future.

A Study on intent to use AI-enhanced development tools (AI 증강 개발 도구 사용의도에 관한 연구)

  • Hyun Ji Eun;Lee Seung Hwan;Gim Gwang Yong
    • Convergence Security Journal
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    • v.24 no.2
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    • pp.89-104
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    • 2024
  • This study is an empirical study to examine the factors that influence the intention to use artificial intelligence (AI) technology for SW engineering-related tasks, and the purpose of the study is to understand the key factors that influence the use in terms of AI augmentation characteristics and interactive UI/UX characteristics. For this purpose, a survey was conducted among information and communication workers who have experience in using AI-related technologies and the collected data was analyzed. The results of the empirical analysis showed that perceived usefulness was positively influenced by the factors of expertise, interestingness, realism, aesthetics, efficiency, and flexibility, and perceived ease of use was positively influenced by the factors of expertise, interestingness, realism, aesthetics, and flexibility. Variety had no effect on both perceived ease of use and perceived usefulness. Perceived ease of use had a significant effect on perceived immersion, which positively influenced intention to use. These findings are significant in that they provide an academic understanding of the factors that influence the use of AI-enhanced tools in SW engineering-related tasks such as application design, development, testing, and process automation, as well as practical directions for the creators of tools that provide AI-enhanced development services to develop user acquisition strategies.

A Study on the Effect of Integrative Art Therapy on Cognitive Function and Depression in Elderly People with Early Dementia (통합예술치료가 초기치매노인의 인지기능과 우울에 미치는 영향에 관한 연구)

  • Seung-Suk Paek;Dong-Yeol Sin
    • Industry Promotion Research
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    • v.9 no.1
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    • pp.149-157
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    • 2024
  • The purpose of this study is to objectively examine the effects of integrated art therapy on cognitive function and depression in the early dementia elderly, and to identify and discuss the process of change in the early dementia elderly through a comprehensive analysis through behavior change observation diary. As a research method, a mixed study was designed using in-depth analysis through qualitative studies as well as quantitative studies on the effect of integrated art therapy on cognitive function and depression in the elderly with early dementia. The quantitative study conducted a pre-post examination of 20 elderly people with early dementia using the day care center in P-gu, Suwon, and the qualitative study analyzed the behavioral change observation diary of 10 elderly people with early dementia. These findings show that first, integrated art therapy had a significant effect on the cognitive function of the elderly with early dementia (p<.001, t=-5.871). Second, integrated art therapy had a significant effect on the depression of the elderly with early dementia (p<.001, t=5.325). Third, the integrated art therapy program changed to a positive attitude before and after cognitive function and depression of the elderly with early dementia. By revealing the effect of integrated art therapy on cognitive function and depression of the elderly with early dementia through the results of this study, it is meaningful as basic data for research related to the elderly with early dementia as well as providing effective information on integrated art therapy programs related to the elderly with early dementia.

A Gap Analysis Using Spatial Data and Social Media Big Data Analysis Results of Island Tourism Resources for Sustainable Resource Management (지속가능한 자원관리를 위한 섬 지역 관광자원의 공간정보와 소셜미디어 빅데이터 분석 결과를 활용한 격차분석)

  • Lee, Sung-Hee;Lee, Ju-Kyung;Son, Yong-Hoon;Kim, Young-Jin
    • Journal of Korean Society of Rural Planning
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    • v.30 no.2
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    • pp.13-24
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    • 2024
  • This study conducts an analysis of social media big data pertaining to island tourism resources, aiming to discern the diverse forms and categories of island tourism favored by consumers, ascertain predominant resources, and facilitate objective decision-making grounded in scientific methodologies. To achieve this objective, an examination of blog posts published on Naver from 2022 to 2023 was undertaken, utilizing keywords such as 'Island tourism', 'Island travel', and 'Island backpacking' as focal points for analysis. Text mining techniques were applied to sift through the data. Among the resources identified, the port emerged as a significant asset, serving as a pivotal conduit linking the island and mainland and holding substantial importance as a focal point and resource for tourist access to the island. Furthermore, an analysis of the disparity between existing island tourism resources and those acknowledged by tourists who actively engage with and appreciate island destinations led to the identification of 186 newly emerging resources. These nascent resources predominantly clustered within five regions: Incheon Metropolitan City, Tongyeong/Geoje City, Jeju Island, Ulleung-gun, and Shinan-gun. A scrutiny of these resources, categorized according to the tourism resource classification system, revealed a notable presence of new resources, chiefly in the domains of 'rural landscape', 'tourist resort/training facility', 'transportation facility', and 'natural resource'. Notably, many of these emerging resources were previously overlooked in official management targets or resource inventories pertaining to existing island tourism resources. Noteworthy examples include ports, beaches, and mountains, which, despite constituting a substantial proportion of the newly identified tourist resources, were not accorded prominence in spatial information datasets. This study holds significance in its ability to unearth novel tourism resources recognized by island tourism consumers through a gap analysis approach that juxtaposes the existing status of island tourism resource data with techniques utilizing social media big data. Furthermore, the methodology delineated in this research offers a valuable framework for domestic local governments to gauge local tourism demand and embark on initiatives for tourism development or regional revitalization.

Research on Training and Implementation of Deep Learning Models for Web Page Analysis (웹페이지 분석을 위한 딥러닝 모델 학습과 구현에 관한 연구)

  • Jung Hwan Kim;Jae Won Cho;Jin San Kim;Han Jin Lee
    • The Journal of the Convergence on Culture Technology
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    • v.10 no.2
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    • pp.517-524
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    • 2024
  • This study aims to train and implement a deep learning model for the fusion of website creation and artificial intelligence, in the era known as the AI revolution following the launch of the ChatGPT service. The deep learning model was trained using 3,000 collected web page images, processed based on a system of component and layout classification. This process was divided into three stages. First, prior research on AI models was reviewed to select the most appropriate algorithm for the model we intended to implement. Second, suitable web page and paragraph images were collected, categorized, and processed. Third, the deep learning model was trained, and a serving interface was integrated to verify the actual outcomes of the model. This implemented model will be used to detect multiple paragraphs on a web page, analyzing the number of lines, elements, and features in each paragraph, and deriving meaningful data based on the classification system. This process is expected to evolve, enabling more precise analysis of web pages. Furthermore, it is anticipated that the development of precise analysis techniques will lay the groundwork for research into AI's capability to automatically generate perfect web pages.

Study on Method to Develop Case-based Security Threat Scenario for Cybersecurity Training in ICS Environment (ICS 환경에서의 사이버보안 훈련을 위한 사례 기반 보안 위협 시나리오 개발 방법론 연구)

  • GyuHyun Jeon;Kwangsoo Kim;Jaesik Kang;Seungwoon Lee;Jung Taek Seo
    • Journal of Platform Technology
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    • v.12 no.1
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    • pp.91-105
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    • 2024
  • As the number of cases of applying IT systems to the existing isolated ICS (Industrial Control System) network environment continues to increase, security threats in the ICS environment have rapidly increased. Security threat scenarios help to design security strategies in cybersecurity training, including analysis, prediction, and response to cyberattacks. For successful cybersecurity training, research is needed to develop valid and reliable security threat scenarios for meaningful training. Therefore, this paper proposes a case-based security threat scenario development methodology for cybersecurity training in the ICS environment. To this end, we develop a methodology consisting of five steps based on analyzing actual cybersecurity incident cases targeting ICS. Threat techniques are standardized in the same form using objective data based on the MITER ATT&CK framework, and then a list of CVEs and CWEs corresponding to the threat technique is identified. Additionally, it analyzes and identifies vulnerable functions in programming used in CWE and ICS assets. Based on the data generated up to the previous stage, develop security threat scenarios for cybersecurity training for new ICS. As a result of verification through a comparative analysis between the proposed methodology and existing research confirmed that the proposed method was more effective than the existing method regarding scenario validity, appropriateness of evidence, and development of various scenarios.

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