• Information Systems Review
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• v.7 no.2
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• pp.229-255
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• 2005

The Korea Development Bank promoted a total outsourcing for IT operation in 1999 for the first time in the banking industry. The Korea Development Bank became the center of public attention because the most banks were unwilling to take an outsourcing with external sources for the reason of financial operation accidents, securities, and threats of strikes. After the introduction of the total IT outsourcing, the Korea Development Bank has continuously diagnosed the problems of the IT outsourcing and adopted various proper complements for the enhancement of the IT outsourcing. As the result of the enhancement, the IT outsourcing of the Korea Development Bank marched into the joint liability operation period after going through the outsourcing operation period and the co-operation period. The joint liability operation which is the most leading outsourcing system which is adopted by the Korea Development Bank for the first time in the banking industry. Through the joint liability operation, the Korea Development Bank could accept the most up-to-date IT, concentrate internal manpower on the core capability, and secure flexibility of manpower. Also, the bank changed the relationship between the bank and the external sources from the one-sided relationship between a producers and a consumer to the joint liability relationship on which both sides are responsible for the operation, and could integrate the internal capacity with the professional know-how of the external IT outsourcing company. In this paper, we testified the soundness and validity for the worries of banks about the total IT outsourcing with external sources. And, we arranged the advantages and outcomes of the total IT outsourcing with external sources compared to the IT outsourcing with internal sources. Moreover, we expect that we can improve the closed financial IT outsourcing industry structure and raise the world competitive power of domestic IT outsourcing companies by correcting wrong ideas on the IT outsourcing with external sources.

• International Commerce and Information Review
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• v.18 no.1
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• pp.55-78
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• 2016

This paper discusses on Electronic Payment System between U.S.A. and Canada. In particular, I focused on ACSS compare with FedACH(Fed Automated Clearing House) to advance a research effects. Because both of them is a low-value, high-volume retail payment system which their countries represent. The ACSS(Automated Clearing Settlement System) is the system through which the vast majority of CPA payment items are cleared, through various payment streams. In 2014, ACSS system cleared approximately 6.8billion payments worth a total value of $ 44.9 trillion. While, The FedACH Network are the center of America Commerce, moving more than $40 trillion each year. That's made up of almost 23 billion electronic financial transaction, including direct deposit via ACH, social security and government benefits, electronic bill payments such as utility and mortgage payments. Thus in this article, first of all, I considered features of payment system and the types of payment items between ACSS and FedAch. Second, I analyzed the status of central bank and legal background. Third, I focused on the operational policy and risk aversion policy. Lastly, I suggested that their payment and banking system have to assume, with good reason, more efficiently accurately and securely operation to protect their customer from credit risk and financial fraud.

• Landscaping Tree
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• v.81 no.7_8
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• pp.25-28
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• 2004

그간 무궁화 보급운동은 무궁화가 가지고 있는 속성과 품종의 선택, 식재방법 및 관리에 대한 기본 개념이 정립되지 않은 상태에서 추진되어온 결과 다소 잘못된 점이 도출 되었을 뿐 아니라 국민들이 좋아할 만큼 성공되지 못하였다. 세계적으로 무궁화를 가로수나 정원수로 심고 있는 나라는 온대지역에 속하는 대부분의 나라로 알려져 있고 특히 그리스나 이태리에서 주택가나 가로수로 식재되고 있다. 그러나 그 가로수는 우리가 일반적으로 생각하고 있는 느티나무, 은행나무, 버드나무등과 같이 크게 자라는 나무가 아니므로 주택가나 꽃길조성에 식재되어 왔다. 이제 무궁화는 어느 곳이든 잘 자라는 수벽이나 꽃동산으로 이용하고 아무데서나 잘 자란다는 「고정관념」을 버려야 한다.

• RED RIBBON
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• s.70
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• pp.46-49
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• 2006

VGX "FDA, 에이즈치료제 추가임상 승인"/ 印 에이즈 감염인 520만 명 초과/ 성문화에 개방적인 대학생, 에이즈 걱정은 별로 안 해/ 베트남 '에이즈 신부' 파문/ 수혈로 에이즈 감염 국가보상 추진··· 여야 의원 12명 무상치료 등 법안 발의/ 에이즈 감염인 해고 못 한다/ 고흥군, 청소년 에이즈 예방 조기교육/ 에이즈 감염인들 '힘겨운 삶'/ "에이즈 감염인 자살률 일반인 10배"/ 씨티은행, 어린이 에이즈환자에 기부금/ 印에이즈女 지방선거 도전 "내 나라 감염확산 막고 싶어"

• Proceedings of the CALSEC Conference
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• 2003.09a
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• pp.274-279
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• 2003

은행간 계좌이체, 증권거래에서부터 출발한 공인인증시스템이 일반 전자상거래까지 확산되고 있는 가운데 인증키의 안전한 보관 및 이동사용의 중요성이 대두되고 있다. 본 연구에서는 KMI(Key Management Infrastructure)와 복제방지 기술이 적용된 CDKey 가 연동되는 시스템을 구성하고 이를 이용하여 이러한 시스템이 안전한 본인 인증, 안전한 인증키 보관, 편리한 인증서 이동에 활용될 수 있도록 하는 방안을 제시한다.

• Journal of Service Research and Studies
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• v.13 no.2
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• pp.130-145
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• 2023

The digital transformation of finance is accelerating, and digital banking has already become a major banking channel. Banks have traditionally placed importance on CRM(Customer Relationship Management) and have tried to retain their loyal customers, who contribute significantly to the bank, such as long-term transactions, holding accounts with a certain balance or more, and holding loans. In this situation, this study exploratorily analyzed the consumer behavior of digital banking deposits in a major bank of Korea(1,145 samples). Statistical analysis was performed using SPSS. The main findings of the study are summarized as follows. It was found that there were differences of consumer behavior in digital banking deposits by generation, and the MZ generation used digital banking more on holidays than other generations. As a result of analyzing the behavior of existing loyal customers and regular customers of digital banking deposit, there was a significant difference in both the amount and period of the deposit. It was confirmed that the existing loyal customers of the bank also engage in consumer behavior that contributes to the bank in digital banking. In addition, the interaction between the customer type and the date of sign up for the deposit period, which is the goal setting of financial consumers, it was found that there was a significant effect. This study empirically analyzed the consumer behavior of digital banking in a situation where decrease of bank branches and encounters with digital banking. The major concepts of the consumer behavior theory are Loyal Customer, Goal Pursuit, and Habit, which were confirmed in an example of digital banking. The results of this study can suggest practical implications for existing banks and Internet-only banks, including the importance of customer management in digital banking.

• Journal of Veterinary Clinics
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• v.30 no.4
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• pp.223-229
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• 2013

Because colostrum is considered to be the sole source of passively acquired maternal antibodies for calves, newborn calves must consume colostrum to gain disease resistance during their early years of life. Storage of surplus colostrum from dairy cows right after calving and feeding newborn calves in deficiency of colostrum to assure adequate uptake of IgG for protection of the calf has been a common practice in the bovine production. In the current study, 35 colostrums were randomly collected from 3 colostrum banks located in different regions of Korea and monitored for general bacterial contamination and major bovine pathogens. Immunoglobulin concentrations and BVDV-specific antibodies were also determined to evaluate the immune quality of the colostrums. Moderate to severe bacterial contamination (up to 72,000,000 CFU/ml) was observed in most of the colostrums collected from colostrum banks. General immune quality of the colostrums was under the satisfactory level since most of the colostrums contained less than 50 g/L of IgG, which is the minimum concentration for good quality colostrums. Therefore, colostrum for colostrum bank should be collected at the first 2-3 post-partum milkings according to proper harvesting and handling procedures to guarantee the safety and quality of colostrum. In addition, it was recommended that colostrum should be heat-treated before frozen and stored in the bank because pasteurization at $63^{\circ}C$ for 30 min was very effective reducing the risk of disease transmission without causing significant degradation of immunoglobulins.

• Journal of Korean Society of Forest Science
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• v.87 no.1
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• pp.98-105
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• 1998

We measured seedling growth, foliar nutrient and extract concentrations of 3-year-old Ginkgo biloba seedlings growing in a nursery following a single fertilization with nitrogen (N), phosphorus (P) and nitrogen plus phosphorus (N+P) fertilizers. Fertilization did not change foliage, stem and root biomass of the seedlings except for the high N+P treatment, Foliar N and P concentrations following fertilization varied according to the amount of fertilizers. In general, foliar N and P concentrations increased with fertilization, but fertilization with 400kg N/ha and 100kg P/ha decreased foliar N and P concentrations, respectively. Seedling growth and foliar nutrient concentrations showed that N and P were the growth-limiting nutrients in our study site. It was found that fertilization reduced the concentrations of secondary metabolites (Ginkgo flavon glycosides and terpene lactones) in foliages. It seemed there was a relationship between foliage biomass production and secondary chemicals in G. biloba seedlings.

• Journal of Internet Computing and Services
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• v.9 no.3
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• pp.103-117
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• 2008

General customer uses internet, SMS(Short Message Service), ATM(Automated Teller Machine), DM(Direct Mail), and telephony services, etc, for service of big businesses and small and medium enterprises, securities, financial institutions, bank. In particular, the case of Fire insurance & Securities, financial institutions, banks must meet Real-Time constrain control through QoS(Quality of Service) ensure. In this paper, we design and implement a system model about Fault-Tolerance IVR(Interactive Voice Response) of Multi Channel Service based on CRM(Customer Relationship Management) environment for the first inbound position of customer. The proposed model can be widely used in Large-scale Customer Response service.

• 한국벤처창업학회:학술대회논문집
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• 2018.04a
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• pp.67-74
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• 2018

소상공인 창업자들이 자금조달의 대부분을 은행 대출에 의존하고 있는 가운데 소규모 자금 조달을 필요로 하는 이들을 위해 핀테크 기반의 새로운 금융서비스를 통해 소상공인 창업자의 금융 공급을 확산할 필요가 있다. 이러한 환경 변화 패러다임에서 본 연구는 빅데이터와 핀테크 솔루션의 활용이 소상공인의 매출과 금융지원에 미치는 영향을 살펴보기 위해 실제로 공공과 민간의 상권빅데이터자료를 수집하여 분석을 수행하였다. 이를 통해 소상공인에 대한 금융혜택 증대를 위한 사업장의 매출증대 등 소상공인 창업자의 사업성 평가에 필요한 주요변수들을 상권빅데이터를 실증적으로 분석하여 효과성을 검증하는 것이 본 연구의 목적이다. 특히 자금의 대부분을 정책자금을 통해 조달하는 소상공인들이 일반 은행에서도 중소기업 대출의 하나로 비중 있게 이루어질 수 있도록 기존에 활용되지 못한 빅데이터 변수들을 탐색하여 소상공인의 경쟁력 향상을 위한 효율적인 금융지원이 가능함을 확인하고자 하였다. 본 연구에서는 소상공인 창업자의 대출 등 금융지원 확대를 위한 사업성 평가에 상권빅데이터의 활용 가능성이 있는지를 중심으로 문헌적 연구방법 연구와 실증적 분석을 병행하였다. 본 연구는 핀테크와 빅데이터의 활용이 향후 소상공인 자금 조달의 발전 방향이 어떻게 되어야하는지를 모색해야하며, 소상공인을 포함하는 중소기업 신용평가방식의 발전 방향을 구체적으로 모색되어야 할 시점임을 의미하고 있다.