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Factors Influencing Fintech's Customer Loyalty for Cross Border Payments: Mediating Customer Satisfaction (국경간 핀테크 결제거래에서 고객충성도에 영향을 미치는 요인에관한 연구: 고객만족의 매개효과를 중심으로)

  • Rehman, Usman;Ha, Kyu Soo
    • Asia-Pacific Journal of Business Venturing and Entrepreneurship
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    • v.16 no.6
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    • pp.287-297
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    • 2021
  • The goal of this study is to investigate and provide information to the Fintech Industry on the main factors responsible for customer loyalty via the mediating effect of customer satisfaction. Secondly, providing traditional banking reasons for customer shifts from banking to Fintech, therefore these factors could be more focused. The consumer choices presented in this study can thus serve as a foundation for further research into post-adoption behaviors associated with Fintech for cross-border payments. This study examines consumer evaluations of how key attributes of fintech using mobile payment services affect their choice by using a conjoint analysis approach, which allows for the approximation of user preferences for specific features. In our study we have used SPSS 26 to test the reliability and mediation effect on the sample size of 348 people who regularly used Fintech for cross border payments. All the questionnaires were prepared if the customers were given fintech as an option instead of traditional banks to send their remittances abroad. The result shows that(Service Quality, Customer's trust and product quality) effecting customer satisfaction significantly would be very helpful for the current fintechs working for home remittances to improve these factors and would serve as a benchmark for the upcoming fintech startups and traditional banks to focus on these factors and catch up the fintech Industry. Finally, it is argued that, in order to be successful, focusing on service quality, customer trust, and product quality triggered customer loyalty for the Fintech in comparison to other traditional options for cross-border payments via the mediation effect of customer satisfaction.

Quantitation of relationship and development of nutrient prediction with vibrational molecular structure spectral profiles of feedstocks and co-products from canola bio-oil processing

  • Alessandra M.R.C.B. de Oliveira;Peiqiang Yu
    • Animal Bioscience
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    • v.36 no.3
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    • pp.451-460
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    • 2023
  • Objective: This program aimed to reveal the association of feed intrinsic molecular structure with nutrient supply to animals from canola feedstocks and co-products from bio-oil processing. The special objective of this study was to quantify the relationship between molecular spectral feature and nutrient availability and develop nutrient prediction equation with vibrational molecular structure spectral profiles. Methods: The samples of feedstock (canola oil seeds) and co-products (meals and pellets) from different bio-oil processing plants in Canada (CA) and China (CH) were submitted to this molecular spectroscopic technique and their protein and carbohydrate related molecular spectral features were associated with the nutritional results obtained through the conventional methods of analyses for chemical and nutrient profiles, rumen degradable and intestinal digestible parameters. Results: The results showed that the spectral structural carbohydrates spectral peak area (ca. 1,487.8 to 1,190.8 cm-1) was the carbohydrate structure that was most significant when related to various carbohydrate parameters of canola meals (p<0.05, r>0.50). And spectral total carbohydrate area (ca. 1,198.5 to 934.3 cm-1) was most significant when studying the various carbohydrate parameters of canola seeds (p<0.05, r>0.50). The spectral amide structures (ca. 1,721.2 to 1,480.1 cm-1) were related to a few chemical and nutrient profiles, Cornell Net Carbohydrate and Protein System (CNCPS) fractions, truly absorbable nutrient supply based on the Dutch protein system (DVE/OEB), and NRC systems, and intestinal in vitro protein-related parameters in co-products (canola meals). Besides the spectral amide structures, α-helix height (ca. 1,650.8 to 1,643.1 cm-1) and β-sheet height (ca. 1,633.4 to 1,625.7 cm-1), and the ratio between them have shown to be related to many protein-related parameters in feedstock (canola oil seeds). Multi-regression analysis resulted in moderate to high R2 values for some protein related equations for feedstock (canola seeds). Protein related equations for canola meals and carbohydrate related equations for canola meals and seeds resulted in weak R2 and low p values (p<0.05). Conclusion: In conclusion, the attenuated total reflectance Fourier transform infrared spectroscopy vibrational molecular spectroscopy can be a useful resource to predict carbohydrate and protein-relates nutritional aspects of canola seeds and meals.

Online Religious Culture in Korea: Focusing on Religious Activities and Special Cases of Religious Expression (한국의 온라인 종교문화에 대한 시론적 연구 - 온라인 종교활동과 종교적 표현상의 특이 사례를 중심으로 -)

  • Shim Hyoung-june;Lee Won-sub;Oh Joon-hyeok;Lee You-na
    • Journal of the Daesoon Academy of Sciences
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    • v.45
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    • pp.187-226
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    • 2023
  • In contemporary society, digital media has become an integral part of daily life that shapes how people interact with the world around them. This phenomenon has also influenced religious activities and practices. Studies on digital religion and religious practices among digital natives in the Western world have indicated that traditional religious practices are on the decline. Instead, more accessible and flexible forms of religious activities and beliefs are emerging. Given this context, it is important to investigate whether similar trends are occurring in Korea. This study aims to explore the religious activities and expressions of Korean individuals in the online environment. Specifically, the study focuses on four main areas: ①the online religious activities of established religions such as Protestantism, Buddhism, and Catholicism; ②the online religious activities related to divination belief systems such as the Four Pillars of Destiny (四柱 saju) and Tarot; ③online holy sites and wish comments or chats; and ④popular religious neologisms such as jileumshin (지름神 a god with the power to justify consumption) and gatsaeng (갓[God]生 one's best life). Through this review, it can be ascertained that religious ideas and practices are restricted by the attributes of digital media. This implies that the emergence of simplistic forms of religious ideas and activities is associated with the features of digital media and the consumption of digital content.

Inferring Pedestrians' Emotional States through Physiological Responses to Measure Subjective Walkability Indices

  • Kim, Taeeun;Lee, Meesung;Hwang, Sungjoo
    • International conference on construction engineering and project management
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    • 2022.06a
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    • pp.1245-1246
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    • 2022
  • Walkability is an indicator of how much pedestrians are willing to walk and how well a walking environment is created. As walking can promote pedestrians' mental and physical health, there has been increasing focus on improving walkability in different ways. Thus, plenty of research has been undertaken to measure walkability. When measuring walkability, there are many objective and subjective variables. Subjective variables include a feeling of safety, pleasure, or comfort, which can significantly affect perceived walkability. However, these subjective factors are difficult to measure by making the walkability index more reliant on objective and physical factors. Because many subjective variables are associated with human emotional states, understanding pedestrians' emotional states provides an opportunity to measure the subjective walkability variables more quantitatively. Pedestrians' emotions can be examined through surveys, but there are social and economic difficulties involved when conducting surveys. Recently, an increasing number of studies have employed physiological data to measure pedestrians' stress responses when navigating unpleasant environmental barriers on their walking paths. However, studies investigating the emotional states of pedestrians in the walking environment, including assessing their positive emotions felt, such as pleasure, have rarely been conducted. Using wearable devices, this study examined the various emotional states of pedestrians affected by the walking environment. Specifically, this study aimed to demonstrate the feasibility of monitoring biometric data, such as electrodermal activity (EDA) and heart rate variability (HRV), using wearable devices as an indicator of pedestrians' emotional states-both pleasant-unpleasant and aroused-relaxed states. To this end, various walking environments with different characteristics were set up to collect and analyze the pedestrians' biometric data. Subsequently, the subjects wearing the wearable devices were allowed to walk on the experimental paths as usual. After the experiment, the valence (i.e., pleasant or unpleasant) and arousal (i.e., activated or relaxed) scale of the pedestrians was identified through a bipolar dimension survey. The survey results were compared with many potentially relevant EDA and HRV signal features. The research results revealed the potential for physiological responses to indicate the pedestrians' emotional states, but further investigation is warranted. The research results were expected to provide a method to measure the subjective factors of walkability by measuring emotions and monitoring pedestrians' positive or negative feelings when walking to improve the walking environment. However, due to the lack of samples and other internal and external factors influencing emotions (which need to be studied further), it cannot be comprehensively concluded that the pedestrians' emotional states were affected by the walking environment.

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Predicting the Fetotoxicity of Drugs Using Machine Learning (기계학습 기반 약물의 태아 독성 예측 연구)

  • Myeonghyeon Jeong;Sunyong Yoo
    • Journal of Life Science
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    • v.33 no.6
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    • pp.490-497
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    • 2023
  • Pregnant women may need to take medications to treat preexisting diseases or diseases that develop during pregnancy. However, some drugs may be fetotoxic and lead to, for example, teratogenicity and growth retardation. Predicting the fetotoxicity of drugs is thus important for the health of the mother and fetus. The fetotoxicity of many drugs has not been established because various challenges hinder the ability of researchers to determine their fetotoxicity. The need exists for in silico-based fetotoxicity assessment models, as they can modernize the testing paradigm, improve predictability, and reduce the use of animals and the costs of fetotoxicity testing. In this study, we collected data on the fetotoxicity of drugs and constructed fetotoxicity prediction models based on various machine learning algorithms. We optimized the models for more precise predictions by tuning the hyperparameters. We then performed quantitative performance evaluations. The results indicated that the constructed machine learning-based models had high performance (AUROC >0.85, AUPR >0.9) in fetotoxicity prediction. We also analyzed the feature importance of our model's predictions, which could be leveraged to identify the specific features of drugs that are strongly associated with fetotoxicity. The proposed model can be used to prescreen drugs and drug candidates at a lower cost and in less time. It provides a predictive score for fetotoxicity risk, which may be beneficial in the design of studies on fetotoxicity in human pregnancy.

Predicting fetal toxicity of drugs through attention algorithm (Attention 알고리즘 기반 약물의 태아 독성 예측 연구)

  • Jeong, Myeong-hyeon;Yoo, Sun-yong
    • Proceedings of the Korean Institute of Information and Commucation Sciences Conference
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    • 2022.05a
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    • pp.273-275
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    • 2022
  • The use of drugs by pregnant women poses a potential risk to the fetus. Therefore, it is essential to classify drugs that pregnant women should prohibit. However, the fetal toxicity of most drugs has not been identified. This takes a lot of time and cost. In silico approaches, such as virtual screening, can identify compounds that may present a high risk to the fetus for a wide range of compounds at the low cost and time. We collected class information of each drug from the hazard classification lists for prescribing drugs in pregnancy by the government of Korea and Australia. Using the structural and chemical features of each drug, various machine learning models were constructed to predict fetal toxicity of drugs. For all models, the quantitative performance evaluation was performed. Based on the attention algorithm, important molecular substructures of compounds were identified in the process of predicting the fetal toxicity of the drug by the proposed model. From the results, we confirmed that drugs with a high risk of fetal toxicity can be predicted for a wide range of compounds by machine learning. This study can be used as a pre-screening tool for fetal toxicity predictions, as it provides key molecular substructures associated with the fetal toxicity of compounds.

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Development of Miroku belief in the cult of Mount Fuji of early modern Japan (ミロクの世と女性-近世日本の富士信仰における弥勒信仰の展開)

  • 宮崎ふみ子
    • Journal of the Daesoon Academy of Sciences
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    • v.17
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    • pp.173-196
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    • 2004
  • Miroku belief observed in Japanese folklore and popular religions is originated from the faith in a bodhisattva called Miroku (Maitreya) who, depending on Buddhist account, is supposed to appear in this world to save all mankind. This faith, together with the millenarianism inherent in it, was disseminated into many areas of East and Southeast Asia. It developed in various ways, being associated with the religious tradition of each area where it was accepted. In Japanese folklore and popular religions the aspiration for the "World of Miroku", the ideal world expected to be realized in the future, has been its most notable feature. This paper examines the notion of the "World of Miroku" developed in the cult of Mount Fuji in early modern Japan. In particular this paper focuses on the "World of Miroku" appearing in the teachings of Fuji-ko and Fujido, which were the organizations of lay believers. Through the examination this paper made the following facts clear. (1) The notion of the "World of Miroku" developed by Fuji-ko and Fujido had its bases in Miroku belief of Japanese folklore. (2) However the notion of the "World of Miroku" in the teachings of Fuji-ko and Fujido was quite different from that of the folklore. While the "World of Miroku" appearing in the folklore is characterized by good harvest and abundant gold and silver, Fuji-ko and Fujido leaders thought that all people, including the emperor and the shogun, would earnestly carry out their house business, do their best to promote the happiness of the others, and pray for the salvation of all mankind in the "World of Miroku". (3) The notion about the changes of the world, which was particular to Fuji-ko and Fujido, accounts for such development in the concept of the "World of Miroku". According to the notion the current world was recognized as the second stage, between the original world in the past and the "World of Miroku" in the future, in the history of human beings. This idea helped the leaders of Fuji-ko and Fujido to develop the theories of world renewal, in which the wrong doings of the rulers and poor morality of the people were to be corrected in the "World of Miroku". (4) One of the most important features of the "World of Miroku" was the equality between men and women according to the teachings of Fujido. Both Fuji-ko and Fujido had opposed to the prevailing view of women, in which women were regarded as being sinful and polluted. Fujido further tried to improve the status of women in their families and the society. (5) In accordance with such an innovatory view, Fujido challenged the custom of excluding women from sacred places, Mount Fuji in particular. Through clarifying these facts this paper shows that Miroku belief could function as a basis for developing the ideas concerning the world renewal in early modern Jap

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A decade of treating traumatic sternal fractures in a single-center experience in Korea: a retrospective cohort study

  • Na Hyeon Lee;Seon Hee Kim;Jae Hun Kim;Ho Hyun Kim;Sang Bong Lee;Chan Ik Park;Gil Hwan Kim;Dong Yeon Ryu;Sun Hyun Kim
    • Journal of Trauma and Injury
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    • v.36 no.4
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    • pp.362-368
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    • 2023
  • Purpose: Clinical reports on treatment outcomes of sternal fractures are lacking. This study details the clinical features, treatment approaches, and outcomes related to traumatic sternal fractures over a 10-year period at a single institution. Methods: A retrospective cohort study was conducted of patients admitted to a regional trauma center between January 2012 and December 2021. Among 7,918 patients with chest injuries, 266 were diagnosed with traumatic sternal fractures. Patient data were collected, including demographics, injury mechanisms, severity, associated injuries, sternal fracture characteristics, hospital stay duration, mortality, respiratory complications, and surgical details. Surgical indications encompassed emergency cases involving intrathoracic injuries, unstable fractures, severe dislocations, flail chest, malunion, and persistent high-grade pain. Results: Of 266 patients with traumatic sternal fractures, 260 were included; 98 underwent surgical treatment for sternal fractures, while 162 were managed conservatively. Surgical indications ranged from intrathoracic organ or blood vessel injuries necessitating thoracotomy to unstable fractures with severe dislocations. Factors influencing surgical treatment included flail motion and rib fracture. The median length of intensive care unit stay was 5.4 days (interquartile range [IQR], 1.5-18.0 days) for the nonsurgery group and 8.6 days (IQR, 3.3-23.6 days) for the surgery group. The median length of hospital stay was 20.9 days (IQR, 9.3-48.3 days) for the nonsurgery group and 27.5 days (IQR, 17.0 to 58.0 days) for the surgery group. The between-group differences were not statistically significant. Surgical interventions were successful, with stable bone union and minimal complications. Flail motion in the presence of rib fracture was a crucial consideration for surgical intervention. Conclusions: Surgical treatment recommendations for sternal fractures vary based on flail chest presence, displacement degree, and rib fracture. Surgery is recommended for patients with offset-type sternal fractures with rib and segmental sternal fractures. Surgical intervention led to stable bone union and minimal complications.

Automatic Detection of Type II Solar Radio Burst by Using 1-D Convolution Neutral Network

  • Kyung-Suk Cho;Junyoung Kim;Rok-Soon Kim;Eunsu Park;Yuki Kubo;Kazumasa Iwai
    • Journal of The Korean Astronomical Society
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    • v.56 no.2
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    • pp.213-224
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    • 2023
  • Type II solar radio bursts show frequency drifts from high to low over time. They have been known as a signature of coronal shock associated with Coronal Mass Ejections (CMEs) and/or flares, which cause an abrupt change in the space environment near the Earth (space weather). Therefore, early detection of type II bursts is important for forecasting of space weather. In this study, we develop a deep-learning (DL) model for the automatic detection of type II bursts. For this purpose, we adopted a 1-D Convolution Neutral Network (CNN) as it is well-suited for processing spatiotemporal information within the applied data set. We utilized a total of 286 radio burst spectrum images obtained by Hiraiso Radio Spectrograph (HiRAS) from 1991 and 2012, along with 231 spectrum images without the bursts from 2009 to 2015, to recognizes type II bursts. The burst types were labeled manually according to their spectra features in an answer table. Subsequently, we applied the 1-D CNN technique to the spectrum images using two filter windows with different size along time axis. To develop the DL model, we randomly selected 412 spectrum images (80%) for training and validation. The train history shows that both train and validation losses drop rapidly, while train and validation accuracies increased within approximately 100 epoches. For evaluation of the model's performance, we used 105 test images (20%) and employed a contingence table. It is found that false alarm ratio (FAR) and critical success index (CSI) were 0.14 and 0.83, respectively. Furthermore, we confirmed above result by adopting five-fold cross-validation method, in which we re-sampled five groups randomly. The estimated mean FAR and CSI of the five groups were 0.05 and 0.87, respectively. For experimental purposes, we applied our proposed model to 85 HiRAS type II radio bursts listed in the NGDC catalogue from 2009 to 2016 and 184 quiet (no bursts) spectrum images before and after the type II bursts. As a result, our model successfully detected 79 events (93%) of type II events. This results demonstrates, for the first time, that the 1-D CNN algorithm is useful for detecting type II bursts.

Stem Rot of Pearl Millet Prevalence, Symptomatology, Disease Cycle, Disease Rating Scale and Pathogen Characterization in Pearl Millet-Klebsiella Pathosystem

  • Vinod Kumar Malik;Pooja Sangwan;Manjeet Singh;Pavitra Kumari;Niharika Shoeran;Navjeet Ahalawat;Mukesh Kumar;Harsh Deep;Kamla Malik;Preety Verma;Pankaj Yadav;Sheetal Kumari;Aakash;Sambandh Dhal
    • The Plant Pathology Journal
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    • v.40 no.1
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    • pp.48-58
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    • 2024
  • The oldest and most extensively cultivated form of millet, known as pearl millet (Pennisetum glaucum (L.) R. Br. Syn. Pennisetum americanum (L.) Leeke), is raised over 312.00 lakh hectares in Asian and African countries. India is regarded as the significant hotspot for pearl millet diversity. In the Indian state of Haryana, where pearl millet is grown, a new and catastrophic bacterial disease known as stem rot of pearl millet spurred by the bacterium Klebsiella aerogenes (formerly Enterobacter) was first observed during fall 2018. The disease appears in form of small to long streaks on leaves, lesions on stem, and slimy rot appearance of stem. The associated bacterium showed close resemblance to Klebsiella aerogenes that was confirmed by a molecular evaluation based on 16S rDNA and gyrA gene nucleotide sequences. The isolates were also identified to be Klebsiella aerogenes based on biochemical assays, where Klebsiella isolates differed in D-trehalose and succinate alkalisation tests. During fall 2021-2023, the disease has spread all the pearl millet-growing districts of the state, extending up to 70% disease incidence in the affected fields. The disease is causing considering grain as well as fodder losses. The proposed scale, consisting of six levels (0-5), is developed where scores 0, 1, 2, 3, 4, and 5 have been categorized as highly resistant, resistant, moderately resistant, moderately susceptible, susceptible, and highly susceptible disease reaction, respectively. The disease cycle, survival of pathogen, and possible losses have also been studied to understand other features of the disease.