• Title/Summary/Keyword: Digital Bank

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Prospect Analysis for Utilization of Virtual Assets using Blockchain Technology

  • Jeongkyu Hong
    • Journal of information and communication convergence engineering
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    • v.22 no.1
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    • pp.64-69
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    • 2024
  • Blockchain is a decentralized network in which data blocks are linked. Through a decentralized peer-to-peer network, users can create shared databases, resulting in a trustworthy and aggregated database known as a blockchain that enhances reliability and security. The distributed nature of the blockchain enables data to be stored on multiple nodes, eliminating the need for a central server or platform. This disintermediation significantly reduces the transaction and administrative costs. The blockchain is particularly valuable in applications where reliability and stability are critical because it establishes an open database that ensures data integrity, making it virtually impossible to tamper with or falsify data. This study explores the diverse applications of the blockchain technology in virtual assets, such as cryptocurrency, decentralized finance, central bank digital currency, nonfungible tokens, and metaverses. In addition, it analyzes the potential prospects and developments driven by these innovative technologies.

A Robust Decorrelating Multiuser Detector for Asynchronous DS/CDMA Communication Systems (비동기 DS/CDMA 시스템을 위한 역상관 다중사용자 검출기)

  • Yoon, Seok-Hyun;Lee, Kyung-Ha;Hong, Kwang-Seok
    • Journal of the Korean Institute of Telematics and Electronics S
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    • v.35S no.6
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    • pp.1-8
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    • 1998
  • This paper presents an asynchronous DS/CDMA multiuser detector, which is a two stage, symbol-by-symbol scheme consisting of conventional detectors followed by linear decorrelating detectors. The conventional detector first makes temporal decisions and the detected symbols are delayed by one symbol period to be used for the selection of decorrelating bases in the subsequent decorrelaing detection stage. It also employs a bank of early-late correlators in place of a bank of single correlators taking the small offset of chip timing asynchronism into account. The proposed detector requires only the coarse knowledge of relative time delays of interfering users and is suitable for digital implementation. To verify the detector performance, the analytical BER performance will be given and compared with the simulation results for BPSK DS/CDMA signals in AWGN channel. While the performance of the proposed detector will be analyzed for time-limited signal, the simulation is carried out for both the time-limited and band-limited signals. As can be seen in the simulation results, the proposed scheme shows good results.

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Nonuniform Delayless Subband Filter Structure with Tree-Structured Filter Bank (트리구조의 비균일한 대역폭을 갖는 Delayless 서브밴드 필터 구조)

  • 최창권;조병모
    • The Journal of the Acoustical Society of Korea
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    • v.20 no.1
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    • pp.13-20
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    • 2001
  • Adaptive digital filters with long impulse response such as acoustic echo canceller and active noise controller suffer from slow convergence and computational burden. Subband techniques and multirate signal processing have been recently developed to improve the problem of computational complexity and slow convergence in conventional adaptive filter. Any FIR transfer function can be realized as a serial connection of interpolators followed by subfilters with a sparse impulse response. In this case, each interpolator which is related to the column vector of Hadamard matrix has band-pass magnitude response characteristics shifted uniformly. Subband technique using Hadamard transform and decimation of subband signal to reduce sampling rate are adapted to system modeling and acoustic noise cancellation In this paper, delayless subband structure with nonuniform bandwidth has been proposed to improve the performance of the convergence speed without aliasing due to decimation, where input signal is split into subband one using tree-structured filter bank, and the subband signal is decimated by a decimator to reduce the sampling rate in each channel, then subfilter with sparse impulse response is transformed to full band adaptive filter coefficient using Hadamard transform. It is shown by computer simulations that the proposed method can be adapted to general adaptive filtering.

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Application of Finite Element Analysis for Structural Stability Evaluation of Modern and Contemporary Sculptures: 'Eve 58-1' by Man Lin Choi

  • Kwon, Hee Hong;Shin, Jeong Ah;Cho, Nam Chul
    • Journal of Conservation Science
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    • v.38 no.4
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    • pp.277-288
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    • 2022
  • 'Eve 58-1', the subject of this study is a statue made of plaster and its structural stability was evaluated by utilizing the CAE program in order to prevent the risk of damage arising from impact and vibration that are generated during the packaging and transportation process given its material characteristics. CAE is an abbreviation for Computer Applied Engineering for realization by predicting changes at the time of application of virtual physical energy. It is applied by reflecting the physical property conditions and each boundary condition of plaster, and the digital images of the internal and external structure of the work were acquired through 3D scanning and CT analysis for interpretation by executing finite element modeling. When acceleration is applied to the work in the direction of its own weight, the left-right side and the front-rear side, it was possible to confirm a maximum displacement value of 15.24 mm in the head section of the front-rear side direction that has been tilted by approximately 27° from the Y-axis and the largest stress value of 12.46 MPa was at the left ankle section. The corresponding results confirmed that the left ankle section is the most vulnerable area and the section for which precautions need to be exercised and supplemented at the time of transporting the work by means of objective values.

A Programmable Doppler Processor Using a Multiple-DSP Board (다중 DSP 보드를 이용한 프로그램 가능한 도플러 처리기)

  • 신현익;김환우
    • Journal of the Institute of Electronics Engineers of Korea SC
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    • v.40 no.5
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    • pp.333-340
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    • 2003
  • Doppler processing is the heart of pulsed Doppler radar. It gives a clutter elimination and coherent integration. With the improvement of digital signal processors (DPSs), the implementation using them is more widely used in radar systems. Generally, so as for Doppler processor to process the input data in real time, a parallel processing concept using multiple DSPs should be used. This paper implements a programmable Doppler processor, which consists of MTI filter, DFB and square-law detector, using 8 ADSP21060s. Formulating the distribution time of the input data, the transfer time of the output data and the time required to compute each algorithm, it estimates total processing time and the number of required DSP. Finally, using the TSG that provides radar control pulses and simulated target signals, performances of the implemented Doppler processor are evaluated.

Establishment of Bank Channel Strategy using Correspondence Analysis : Based on the Customer's Choice Factors of Bank Channel (대응분석을 이용한 은행 채널전략 수립연구 : 고객의 은행채널 선택요인을 바탕으로)

  • Park, Un Hak;Park, Young Bae
    • Journal of Korea Society of Industrial Information Systems
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    • v.28 no.6
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    • pp.151-171
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    • 2023
  • For the efficient establishment of a channel strategy for banks, this study aims to propose a channel model by classifying channels into types, and carrying out a correspondence analysis per type. A survey of bankers was conducted to visualize categorical data and create a positioning map. As a result, first, 12 banking channels were classified into 4 types based on business processing subjects and places, which were then, further grouped into the categories of full-banking and self-banking. Second, a correspondence analysis according to the classified types was carried out, and it was found that the branch-type is suitable for product description and customer management, while the banking-type is suitable for efficient business processing without time and space constraints. Furthermore, the analysis also showed that the machine-type and banking-type are inappropriate for customer management, and the mobility-type demonstrates low operational effectiveness due to a lack of awareness. The aforementioned findings suggest the need for a hybrid convergence channel that reflects the characteristics of banking tasks and fills in the gaps between the different channels. Third, a channel model was derived by adding a common area to the 2×2 model consisting of the business processing subjects and places. Therefore, this study is meaningful in that it examines the diversification of channels and factors in the division of roles by channel type based on customers' banking channel selection factors, and presents basic research findings for future channel strategy establishment and efficient channel operation.

The necessity of developing various convergence financial services in preparation for the aging (고령화에 대비한 다양한 융복합 금융 서비스 개발의 필요성)

  • Choi, Jeong-Il;Ahn, Chang-Yong
    • Journal of Digital Convergence
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    • v.13 no.4
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    • pp.137-146
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    • 2015
  • The aging process in this country is underway at the fastest pace compared to those of the leading countries. On the other hand, preparing for retirement funds is more difficult than before due to the impact of slow interest rate and slow growth. The purpose of this study is to examine the necessity of providing various financial services in preparation for the future aging era. After analizing the various materials and utilizing a survey of the bank employees and the general public, we have found the followings. The replacement rate of this country, 55%, is much lower than the suggested level of World Bank, 75%. Also, the pension ratio in the income after retirement of this country is much lower compared to those of the States and Japan. The most people who participated in the survey needed ₩2,000 - ₩2,990 thousand for monthly living expenses after retirement. For the retirement funds, the higher the age the higher proportion of savings deposits they want, and the lower the age the higher proportion of insurance and pension products they want. Based on these analyses, the necessities of developing financial life planning which includes both financial and non-financial sides, retirement funds management according to age, revitalization of housing pension and developing diverse retirement funds are suggested.

The effect of national level of ICT on economic growth : Focusing on the moderating effect of government regulation and international market competitive advantage (국가 정보화 수준이 경제성장에 미치는 영향: 규제와 경쟁우위의 조절효과를 중심으로)

  • Lee, Yea-rim;Kim, Hag-Min
    • International Commerce and Information Review
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    • v.19 no.2
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    • pp.3-24
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    • 2017
  • The level of ICT in the country affects economic performance as a basic infrastructure that has a significant impact on the competitiveness of the country. With the proliferation of globalization, ICT-related economic activities such as electronic trade are becoming more active, and the importance of ICT in the country is increasing. This study sought to analyze the impact of ICT level on the economic performance of the nation by subdividing it into three dimensions: accessibility, usage, and utilization skill. In particular, we sought to find ways to effectively resolve the digital divide between developed and developing countries by analyzing the difference in economic impact of ICT level. Furthermore, we tried to verify whether the government regulation and firm's nature of competitive advantage in the international markets play a moderating role in the economic impacts of ICT in the country. As a result of panel analysis with data collected from ITU, WEF and World bank national ICT level has consistently significant influence on economic growth in terms of access and usage. In addition, it was confirmed that the competitive advantage of companies in developed countries and the government regulation in developing countries have a significant moderating effect on the relationship between ICT level and economic growth.

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A Study on the Efficiency of National Policy Bank's Support for SMEs Policy Funds (국책은행의 중소기업 정책자금 지원에 관한 효율성 연구)

  • Yun, Mi;Lee, Cheol-Gyu
    • Journal of Digital Convergence
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    • v.18 no.10
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    • pp.147-162
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    • 2020
  • The purpose of this study is to present practical improvement plans for policy fund support in national policy banks through an analysis of the efficiency of policy fund support. It targets small and medium-sized enterprises(SMEs) that received policy funding from national policy banks in '17 and '18 consecutively. As for the analysis method, characteristic analysis and corresponding sample T-test was performed. The analysis results are as follows. First, as a result of analyzing the characteristics of small and medium-sized enterprises, most of the financial funds were concentrated on the manufacturing industry. By region, the western region of Gyeonggi Province, by credit rating, was A grade, technology grade was T5, and the use of funds was mostly concentrated on facility funds. Second, as a result of efficiency analysis, profitability had a positive effect on total capital return, stability had a positive effect on interest compensation ratio, and activity had a positive effect on total capital turnover. In conclusion, it is expected to provide practical improvement plans to support policy funds to influence the growth and distribution of funds appropriate to the needs of SMEs.

Relationship between Stock Market & Housing Market Trends and Liquidity (주식시장과 주택시장의 동향 및 유동성과의 관계)

  • Choi, Jeong-Il
    • Journal of Digital Convergence
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    • v.19 no.6
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    • pp.133-141
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    • 2021
  • Governments of each country are actively implementing fiscal expansion policies to recover the real economy after Corona 19. In Korea, the stock market and housing market are greatly affected as liquidity in the market increases due to the implementation of disaster subsidies and welfare policies. The purpose of this study is to analyze the relationship between stock market and housing market trends and liquidity. Data were collected by the Bank of Korea and Kookmin Bank. The analysis period is from January 2000 to December 2020, and monthly data are used. For empirical analysis, the rate of change from the same month of the previous year was calculated for each variable, and numerical analysis, index analysis, and model analysis were performed. As a result of the analysis, it was found that the stock index showed a positive(+) relationship with the house price, while a negative(-) relationship with M2. Previous studies have suggested that, in general, an increase in liquidity affects the stock market and the housing market, and inflation also rises. In this study, it was found that the stock market and the housing market had an effect on each other. However, it was investigated that liquidity showed an inverse relationship with the stock market and had no relationship with the housing market. Through this, this study estimated that there is a time difference in the relationship between liquidity and the stock market & housing market.