• The Journal of Korean Institute of Communications and Information Sciences
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• v.13 no.2
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• pp.107-119
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• 1988

An 8-channel digital filter bank with wave digital filters(WDF) is studied. Wave digital filtwr is automatically a directional filter. Using these properties, a new method for organizing the 8-channel digital filter bank is proposed. This will lead to enormous savings in memories for the digital signal processign chip.

• International journal of advanced smart convergence
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• v.11 no.4
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• pp.47-56
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• 2022

Recently bank card number recognition plays an important role in improving payment efficiency. In this paper we propose a new bank-card number identification algorithm. The proposed algorithm consists of three modules which include edge detection, candidate region generation, and recognition. The module of 'edge detection' is used to obtain the possible digital region. The module of 'candidate region generation' has the role to expand the length of the digital region to obtain the candidate card number regions, i.e. to obtain the final bank card number location. And the module of 'recognition' has Convolutional deep learning Neural Network (CNN) to identify the final bank card numbers. Experimental results show that the identification rate of the proposed algorithm is 95% for the card numbers, which shows 20% better than that of conventional algorithm or method.

• Journal of the Korea Institute of Information and Communication Engineering
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• v.15 no.7
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• pp.1543-1551
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• 2011

Dithering scheme has been widely used to improve the resolution of DCO(Digitally Controlled Oscillator) in conventional ADPLLs(All Digital Phase Locked Loop). In this paper a new resolution improvement scheme is proposed where a simple DAC(Digital-to-Analog Converter) is employed to overcome the problems of dithering scheme. The frequencies are controled by varactors in coarse, fine, and DAC bank. The DAC bank consists of an inversion mode NMOS varactor. The other varactor banks consist of PMOS varactors. Each varactor bank is controlled by 8bit digital signal. The proposed DCO has been designed in a $0.13{\mu}m$ CMOS process. Measurement results shows that the designed DCO oscillates in 2.8GHz~3.5GHz and has a frequency tuning range of 660MHz and a resolution of 73Hz at 2.8GHz band. The designed DCO exhibits a phase noise of -119dBc/Hz at lMHz frequency offset. The DCO core consumes 4.2mA from l.2V supply. The chip area is $1.3mm{\times}1.3mm$ including pads.

• Journal of Korea Society of Digital Industry and Information Management
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• v.15 no.4
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• pp.187-195
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• 2019

The purpose of this study is to analyze the adoption of Kakao Bank in terms of benefits (functional, social, experiential, economic benefits) and differentiated services (customization and service diversity) considering service types. Benefits are personal value consumers attach to the product or service attributes and, therefore, more important than attributes of service itself when using Kakao Bank in the internet based environment. Data was collected using an online and offline survey of 131 Kakao Bank users and analyzed the data using structural equation model (SEM). The results of empirical analysis using SmartPLS show that functional benefit, experiential benefit, and customization are significantly related to the user's satisfaction, but economic benefits, social benefit, and service variety are not. Customer's satisfaction are also showed significantly to be related to the all types of Kakao Bank usage(balance check, transfer, and other services). This study has the significance in that it examines the user's satisfaction and usage of Kakao Bank in terms of benefits and differentiated services while other studies analyzed banking services focusing on the attributes of banking channel itself.

• The Journal of the Korea Contents Association
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• v.21 no.9
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• pp.360-371
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• 2021

The advent of virtual currencies has heightened interest in the Central Bank Digital Currency (CBDC) issued by the central bank. Recently, central banks in some countries have already decided to issue CBDCs or are in the test phase. This study will be an opportunity to compare public and private perceptions of central banks and explore various issues related to the introduction of CBDCs in the future through analysis methods of big data.

• Journal of Distribution Science
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• v.21 no.2
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• pp.21-34
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• 2023

Purpose: The goal of this study is to examine what makes young people more likely to use digital banking. This is because digital banking services and their distribution channels are technologically advanced, which can be a double-edged sword between ease of use and resistance to technology. Research design, data and methodology: This study included 320 participants from generation Z in Jakarta who use digital bank and used a quantitative method with PLS-SEM. Results: This study explains how, in addition to usefulness, costs, and self-efficacy, resistance to technology has a direct effect on usage attitudes. Meanwhile, if the attitude of use is preceded by aspects of usefulness, self-efficacy, and awareness, resistance to technology will be felt indirectly. Conclusions: This demonstrated that most discussed factors, such as Ease-of-Use and security of use, are important for Generation Z users but no longer a major consideration in accepting digital banking. Aside from being more open to the use of technology in digital banks, Generation Z also desires a balance of technology services and benefits. The limitations of this study are that it excludes social variables, uses certain generations, and limits the research area to one large city, which can be expanded in future studies.

• Journal of IKEEE
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• v.15 no.1
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• pp.29-36
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• 2011

Dithering scheme has been widely used to improve the resolution of DCO(Digitally Controlled Oscillator) in conventional ADPLLs(All Digital Phase Locked Loop). In this paper a new resolution improvement scheme is proposed where a simple DAC is employed to overcome the problems of dithering scheme. A 2.4GHz LC-based DCO has been designed in a $0.13{\mu}m$ CMOS process with an enhanced frequency resolution for wireless local area network applications. It has a frequency tuning range of 900MHz and a resolution of 58.8Hz. The frequencies are controled by varactors in coarse, fine, and DAC bank. The DAC bank consists of an inversion mode NMOS varactor. The other varactor banks consist of PMOS varactors. Each varactor bank is controlled by 8bit digital signal. The designed DCO exhibits a phase noise of -123.8dBc/Hz at 1MHz frequency offset. The DCO core consumes 4.2mA from 1.2V supply.

• Knowledge Management Research
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• v.21 no.1
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• pp.61-78
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• 2020

Recently, in the global financial transaction field, global transactions using computer systems and server hubs between foreign exchanges beyond the one-dimensional offline transactions and two-dimensional online transactions have been actively conducted. In the previous research by Lee Hyung-wook and Lee Min-jae (2018), as the globalization has accelerated following the development of digital technology and the expansion of ubiquitous communication network, the role of companies, the attribute of economic value creation and economic structure are being reorganized. It is said that O2O (Online to Offline) transactions are increasing due to the development. As a result, a new financial transaction paradigm is emerging that solves the inconveniences of existing financial services and enhances speed and convenience. Considering the global network trend and the rapidly developing and evolving digital bank environment, the necessity of utilizing the business platform model is emerging. However, despite this necessity, there are very limited cases in which such an attempt has been applied in practice. Accordingly, this study seeks to explore the business platform of the new financial transaction system. Specifically, the case study systematically examines the actual implementation of a unique network connection model with Koscom's global investment bank, which is currently in charge of the domestic financial transaction system, and improves ICT innovation performance and process through this. I would like to suggest a solution. In particular, this study analyzed a variety of business model construction and use cases by pursuing a platform connection with digital banks, which has recently been increasingly in demand. Therefore, this study intends to pursue the original and long-term profitability of the company by utilizing ICT innovation and platform business model, and also analyzes the convenience and excellence of trading for institutional and individual investors using the platform of digital bank. The implications of this study are significant in that it explores and explores the actual cases of ICT innovation and additional digital bank platform-connected business models based on this, and suggests a unique and preemptive business strategy of the company in the future.

• Journal of Korea Multimedia Society
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• v.23 no.9
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• pp.1210-1218
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• 2020

This study selected brand logos of six South Korean and Chinese banks including KB, IBK, SH, ICBC, ABC, and SISB, conducted Eye Tracking experiment among 36 South Korean and Chinese university students(Nine male and female students, respectively), and analyzed the difference of visual attention of consumers on bank brand logo, symbol, Korean/Chinese character logo types as well as the difference of visual attention of these consumers on English logo types. Results were represented by using statistics and visualization including GAZEPLOT, HEATMAP, and visual expression. Results showed that most generally gazed logo types more often and longer than symbols when they watched bank brand logos. A slight difference was observed between both groups in terms of gazing English logo types. This study has a implication that it proposed the possibility of drawing quantitative and reliable outcomes by utilizing eye tracking device and approaching in an objective standpoint beyond a methodological aspect on bank brand logo primarily leaning over the analysis of case research or design development. Moreover, findings are expected to serve as basic data for proposing the direction of special bank brand logo design and marketing strategies.

• ETRI Journal
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• v.25 no.5
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• pp.345-355
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• 2003

In this paper, we propose a method for designing a class of M-channel, causal, stable, perfect reconstruction, infinite impulse response (IIR), and parallel uniform discrete Fourier transform (DFT) filter banks. It is based on a previously proposed structure by Martinez et al. [1] for IIR digital filter design for sampling rate reduction. The proposed filter bank has a modular structure and is therefore very well suited for VLSI implementation. Moreover, the current structure is more efficient in terms of computational complexity than the most general IIR DFT filter bank, and this results in a reduced computational complexity by more than 50% in both the critically sampled and oversampled cases. In the polyphase oversampled DFT filter bank case, we get flexible stop-band attenuation, which is also taken care of in the proposed algorithm.