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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.

Implementation of Hybrid Firewall System for Network Security (전산망 보호를 위한 혼합형 방화벽 시스템 구현)

  • Lee, Yong-Joon;Kim, Bong-Han;Park, Cheon-Yong;Oh, Chang-Suk;Lee, Jae-Gwang
    • The Transactions of the Korea Information Processing Society
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    • v.5 no.6
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    • pp.1593-1602
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    • 1998
  • In this paper, a hybrid firewall system using the screening router, dual-homed gateway, screened host galeway and the application level gateway is proposed, The screened host gateway is comjXlsed of screening router, DMZ and bastion host. All external input traffics are filtered by screening router with network protrcol filtering, and transmitted to the bastion host performing application level filtering, The dual homed gateway is an internlediate equipment prohibiting direct access from external users, The application level gateway is an equipment enabling transmission using only the proxy server. External users can access only through the public servers in the DMZ, but internal users can aeee through any servers, The rule base which allows Telnet only lo the adrnilllslratol is applied to manage hosts in the DMZ According to the equipmental results, denial of access was in orderof Web. Mail FTP, and Telnet. Access to another servers except for server in DMZ were denied, Prolocol c1mials of UDP was more than that of TCP, because the many hosts broadcasted to networds using BOOTP and NETBIOS, Also, the illegal Telnet and FTP that transfer to inside network were very few.

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Analysis of Trends in Science and Technology using Keyword Network Analysis (키워드 네트워크 분석을 활용한 과학기술동향 분석)

  • Park, Ju Seop;Kim, Na Rang;Han, Eun Jung
    • Journal of Korea Society of Industrial Information Systems
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    • v.23 no.2
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    • pp.63-73
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    • 2018
  • Academia and research institutes mainly use qualitative methods that rely on expert judgments to understand and predict research trends and science and technology trends. Since such a technique has the disadvantage of requiring much time and money, in this study, science and technology trends were predicted using keyword network analysis. To that end, 13,618 AI (Artificial Intelligence) patent abstracts were analyzed using keyword network analysis in three separate lots based on the period of the submission of each abstract: analysis period 1 (January 1, 2002 - December 31, 2006), analysis period 2 (January 1, 2007 - December 31, 2011), and analysis period 3 (January 1, 2012 - December 31, 2016). According to the results of frequency analyses, keywords related to methods in the field of AI application appeared more frequently as time passed from analysis period 1 to analysis period 3. In keyword network analyses, the connectivity between keywords related to methods in the field of AI application and other keywords increased over time. In addition, when the connected keywords that showed increasing or decreasing trends during the entire analysis period were analyzed, it could be seen that the connectivity to methods and management in the field of AI application was strengthened while the connectivity to the field of basic science and technology was weakened. According to analysis of keyword connection centrality, the centrality value of the field of AI application increased over time. According to analysis of keyword mediation centrality during analysis period 3, keywords related to methodologies in the field of AI application showed the highest mediation value. Therefore, it is expected that methods in the field of AI application will play the role of powerful intermediaries in AI hereafter. The technique presented in this paper can be employed in the excavation of tasks related to regional innovation or in fields such as social issue visualization.

Designing a Blockchain-based Smart Contract for Seafarer Wage Payment (블록체인 기반 선원 임금지불을 위한 스마트 컨트랙트 설계)

  • Yoo, Sang-Lok;Kim, Kwang-Il;Ahn, Jang-Young
    • Journal of the Korean Society of Marine Environment & Safety
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    • v.27 no.7
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    • pp.1038-1043
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    • 2021
  • Guaranteed seafarer wage payment is essential to ensure a stable supply of seafarers. However, disputes over non-payment of wages to seafarers often occur. In this study, an automatic wage payment system was designed using a blockchain-based smart contract to resolve the problem of seafarers' wage arrears. The designed system consists of an information register, a matching processing unit, a review rating management unit, and wage remittance before deploying smart contracts. The matching process was designed to send an automatic notification to seafarers and shipowners if the sum of the weight of the four variables, namely wages, ship type/fishery, position, and license, exceeded a pre-defined threshold. In addition, a review rating management system, based on a combination of mean and median, was presented to serve as a medium to mutually fulfill the normal working conditions. The smart contract automatically fulfills the labor contract between the parties without an intermediary. This system will naturally resolve problems such as fraudulent advance payment to seafarers, embezzlement by unregistered employment agencies, overdue wages, and forgery of seafarers' books. If this system design is commercialized and institutionally activated, it is expected that stable wages will be guaranteed to seafarers, and in turn, the difficulties in human resources supply will be solved. We plan to test it in a local environment for further developing this system.

The Power of Connectivity: Cooperative Network and Firm Performance in the IT Industry (초연결시대의 협력: IT 기업 간 협력 네트워크와 성과에 관한 연구)

  • Ji Hye Park
    • Information Systems Review
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    • v.19 no.2
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    • pp.21-35
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    • 2017
  • The advancement of IT and the "Fourth Industrial Revolution" blurred the boundary between industries. The importance of strategic cooperation between enterprises is emphasized. IT companies must consider their existing business areas and create new territories to drive changes in the industry. They must also secure their competitive edge and manage economic costs to enable them to compete with their global counterparts. By utilizing their resources effectively, these firms can create value through inter-firm cooperation. This study analyzes the collaborative network of global IT companies using social network analysis and examines the effect of this network on firm performance. Collaborative linkages and betweenness centrality, which represent the bridging position of a firm in a network, significantly affect firm performance. This result highlights the importance of the structural position of a firm in a cooperative network of IT companies. This study also characterizes clusters in a network of IT companies. Most of these clusters comprise a combination of IT companies in diverse IT industries. These clusters suggest that these companies engage in multilateral cooperation without boundaries to maximize their business capabilities. This study offers practical implications for establishing a cooperative strategy and framework that can capture business trends in the IT industry from a macroscopic view. This study also visualizes collaborative networks in a multifaceted way using social network analysis to provide researchers and business practitioners with an informative viewpoint.

Mammalian Reproduction and Pheromones (포유동물의 생식과 페로몬)

  • Lee, Sung-Ho
    • Development and Reproduction
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    • v.10 no.3
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    • pp.159-168
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    • 2006
  • Rodents and many other mammals have two chemosensory systems that mediate responses to pheromones, the main and accessory olfactory system, MOS and AOS, respectively. The chemosensory neurons associated with the MOS are located in the main olfactory epithelium, while those associated with the AOS are located in the vomeronasal organ(VNO). Pheromonal odorants access the lumen of the VNO via canals in the roof of the mouth, and are largely thought to be nonvolatile. The main pheromone receptor proteins consist of two superfamilies, V1Rs and V2Rs, that are structurally distinct and unrelated to the olfactory receptors expressed in the main olfactory epithelium. These two type of receptors are seven transmembrane domain G-protein coupled proteins(V1R with $G_{{\alpha}i2}$, V2R with $G_{0\;{\alpha}}$). V2Rs are co-expressed with nonclassical MHC Ib genes(M10 and other 8 M1 family proteins). Other important molecular component of VNO neuron is a TrpC2, a cation channel protein of transient receptor potential(TRP) family and thought to have a crucial role in signal transduction. There are four types of pheromones in mammalian chemical communication - primers, signalers, modulators and releasers. Responses to these chemosignals can vary substantially within and between individuals. This variability can stem from the modulating effects of steroid hormones and/or non-steroid factors such as neurotransmitters on olfactory processing. Such modulation frequently augments or facilitates the effects that prevailing social and environmental conditions have on the reproductive axis. The best example is the pregnancy block effect(Bruce effect), caused by testosterone-dependent major urinary proteins(MUPs) in male mouse urine. Intriguingly, mouse GnRH neurons receive pheromone signals from both odor and pheromone relays in the brain and may also receive common odor signals. Though it is quite controversial, recent studies reveal a complex interplay between reproduction and other functions in which GnRH neurons appear to integrate information from multiple sources and modulate a variety of brain functions.

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The Impact of Consumer Characteristics Upon Trust and Purchase Intentions in B2C E-marketplaces (오픈마켓에서 개인특성이 신뢰 및 구매의도에 미치는 영향에 관한 실증연구)

  • Cho, Hwi-Hyung;Hong, Il-Yoo
    • Information Systems Review
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    • v.12 no.3
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    • pp.49-73
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    • 2010
  • The lack of customer satisfaction and trust remains a key barrier to electronic commerce. From the standpoint of online merchants, it is critical to build consumer trust by lessening sources of apprehensions and uneasiness associated with online transactions. This paper explores the relationships between customer satisfaction and intermediary's trustworthiness factors in B2C e-marketplaces. It also aims at examining the effects of consumer characteristics, including propensity to trust and Internet shopping self-efficacy, upon trust and purchase intentions. To meet the research objectives, an empirical study has been conducted by surveying 223 active e-marketplace buyers in Korea. The findings of the present research indicate that customer satisfaction positively affects all the three attributes of trustworthiness (i.e., competence, benevolence, and integrity), and more specifically it has a quite strong association with benevolence. In addition, propensity to trust has no significant influence on trust or purchasing intentions, and only affects benevolence and integrity with no direct effect on competence. Finally, Internet shopping self-efficacy was found to affect both trust and purchasing intentions, suggesting that e-marketplaces seek an online strategy designed to strengthen loyalty for customers with high self-efficacy, while they use a strategy to improve the usability and usefulness of their website to attract customers with low self-efficacy. The paper concludes with implications and directions for future research.

A Study to Prevent the Fire in Residential Buildings (주거용 건축물의 화재 예방에 관한 고찰)

  • Park, Kyong-Jin;Kim, Hye-ree;Lee, Bong-Woo;Park, Shin-young
    • Journal of the Korean Society of Industry Convergence
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    • v.23 no.2_2
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    • pp.307-312
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    • 2020
  • This study presents problems and improvement measures for the supply rate of single-alarm detector and fire extinguisher installed in households. Statistics from the NFDS show that 18 percent of all fires and 45 percent of deaths occurred in residential buildings over the past eight years. It was less than 60% that households be equipped rate of basic fire-fighting systems by 2019. In this study, I analyzed the law and statistics of fire to devise a method for fire safety. I proposed that the basic fire-fighting systems is be equipped in households. Like this : First, a free distribution policy for the over 60 years of age and Areas where is fire engine difficult to enter. Second, the policy of adopting safety pay in disaster. Third, the policy of expanding supply through the revision of the Licensed Real Estate Agents Act. Fourth, the policy of self-regulating installation by safety education and set up a data base system. Fifth make a law of household's National Fire Safety Standards.

Distraction Techniques for Children Undergoing Procedures: A Critical Review of Korean Intervention Research (아동기 처치관련 관심전환요법: 국내 아동 중재연구의 비평적 고찰)

  • Im, Eun Seon;Kim, Jin Sun
    • Child Health Nursing Research
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    • v.20 no.4
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    • pp.340-349
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    • 2014
  • Purpose: The purpose of this study was to provide a critical assessment of evidence-based Korean pediatric research that can inform clinical practicability of, and future research on distraction interventions for pediatric procedural pain management. Methods: A critical review of evidence-based Korean pediatric research was conducted. Databases were searched to identify research that included an evaluation of a distraction intervention as an intervention for pediatric procedural pain management. The search yielded 68 studies. Results: From these studies, 14 were included for this review and all were recently published (2003-2014). Quasi experimental designs were most frequently used (n=12) and for 71.4% the focus was preschoolers. Audiovisual techniques were the most common form of distraction. In most studies clinical utility of the distraction intervention was not examined. Fairly consistent reductions in behavioral measures of pain in association with the distraction intervention were found but less consistent results were found for physiological measures. Conclusion: Lack of methodological rigor limits the evidence for distraction interventions to reduce pain and fear experienced by children during painful procedures. Further research to analyze the cost and time-effectiveness and to identify consumer and provider satisfaction with distraction interventions is needed to determine whether distraction interventions are clinically relevant.