• Title/Summary/Keyword: Digital Bank

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Effect of Acceptance of Digital Innovation on Business Performance of Financial Institution Workers (금융기관 종사자들의 디지털 혁신에 대한 수용이 업무성과에 미치는 영향 연구)

  • Park, Mijeong;Choi, Seungil
    • Journal of the Korea Academia-Industrial cooperation Society
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    • v.22 no.2
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    • pp.259-266
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    • 2021
  • Recently, the financial industry has seen a dramatic change due to the development of innovative technologies such as FinTech, but there is a lack of research on the digital level of financial institution workers. This study analyzes factors that affect the willingness of financial institution workers to accept digital innovation and to examine the relationship between acceptance intention and business performance. Based on the theoretical basis of UTAUT, independent variables were divided into internal expectations, external influences, facilitation conditions, and employment risks. Survey data of 100 bankers at N bank were analyzed using SPSS and AMOS 18. Studies have shown that internal expectations and external influences have positive effects on the acceptance intention of financial institution workers, and that facilitation conditions, employment risks do not. This study found a significant relationship between acceptance intention and business performance and confirming that acceptance intention has a direct and indirect impact on business performance. Study findings could be a reference to enhancing the willingness to accept digital innovation technologies and developing ways to improve business performance by validating factors that affect the willingness of financial institution workers to accept digital innovation.

A Study on The Effect Financial Performance of Convergence Factors on Corporate (기업의 융합요인이 재무적 성과에 미치는 영향)

  • Choi, Seung-Il;Song, Seong-Bin
    • Journal of Digital Convergence
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    • v.13 no.8
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    • pp.123-131
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    • 2015
  • Modern is the era of convergence. In the complex position of the company to survive in the rapid environmental changes it can not be a mandatory fusion rather than choice. Wind convergence also in the art can be said to castration. This phenomenon can be found in many real life. Most real-life contact with the service sector is no exception. Due to a number of banks and insurance combined Banca named fusion of French banking and insurance business are integrated. Even recently, the situation has been provided by Investment consulting, equity trading services within bank branches. In this study, based on the need for convergence of corporate businesses convergence factors examined through regression analysis on whether any impact on the financial aptitude. External environmental factors that make up the fusion research factors internal environmental factors, both core competencies were factors to affect financial performance.

Construction of web-based IT Assets Management System (웹기반 IT 자산관리 시스템의 구축)

  • Kim, Jae-Saeng;Sin, Hoa-Seang
    • Journal of Digital Convergence
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    • v.10 no.8
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    • pp.193-200
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    • 2012
  • As IT is also recognized as assets, IT assets management system is trying to introduce for the management and operation in domestic enterprises and public institutions. The general assets management system was introduced in domestic companies, but because it managed mainly the only simple information about the assets, there were a lot of operational difficulties of the assets. In order to operate effectively the IT assets used in special business such as bank, prosecutors, railway, etc the classification system of IT assets based on the EA was needed first of all. Accordingly, in this paper, we classified IT assets systematically according to the EA meta model Application Guide V1.4 in consideration of the characteristics about the IT asset business for A public institution, and performed to improve the operating costs and efficiency by implementing a web-based IT assets management system for this public institution.

Legal Alternative plan for public servant Ethic Act (공직윤리제도 개선을 위한 법적대안)

  • Kim, Seon Il;Lee, Youn Hwan
    • Journal of Digital Convergence
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    • v.12 no.1
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    • pp.61-70
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    • 2014
  • It has been raised a number of administrative ethic questions nevertheless of institutional strategy. It's even worse rather than solved. Especially, because of a distinctive family calture tradition that forming intimate bond, we're carrying lots of possibility of public corruption. As in the case of Busan Saving Bank recently, many of high-ranking officials are scouted to lawferm or business interest company After that this ex-officials exert their influence over government office. terminating public corruption. Lenient law enforcements as in the case of sponser prosecutor, social welfare budget embezzlement result in public distrust about anticorruption policy of government In conclutsion, for a best function of public service ethic system it's important to improve institutional problem constantly.

Fingerprint Identification Using the Distribution of Ridge Directions (방향분포를 이용한 지문인식)

  • Kim Ki-Cheol;Choi Seung-Moon;Lee Jung-Moon
    • Journal of Digital Contents Society
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    • v.2 no.2
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    • pp.179-189
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    • 2001
  • This paper aims at faster processing and retrieval in fingerprint identification systems by reducing the amount of preprocessing and the size of the feature vector. The distribution of fingerprint directions is a set of local directions of ridges and furrows in small overlapped blocks in a fingerprint image. It is extracted initially as a set of 8-direction components through the Gabor filter bank. The discontinuous distribution of directions is smoothed to a continuous one and visualized as a direction image. Then the center of the distribution is selected as a reference point. A feature vector is composed of 192 sine values of the ridge angles at 32-equiangular positions with 6 different distances from the reference point in the direction image. Experiments show that the proposed algorithm performs the same level of correct identification as a conventional algorithm does, while speeding up the overall processing significantly by reducing the length of the feature vector.

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Audio Event Detection Using Deep Neural Networks (깊은 신경망을 이용한 오디오 이벤트 검출)

  • Lim, Minkyu;Lee, Donghyun;Park, Hosung;Kim, Ji-Hwan
    • Journal of Digital Contents Society
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    • v.18 no.1
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    • pp.183-190
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    • 2017
  • This paper proposes an audio event detection method using Deep Neural Networks (DNN). The proposed method applies Feed Forward Neural Network (FFNN) to generate output probabilities of twenty audio events for each frame. Mel scale filter bank (FBANK) features are extracted from each frame, and its five consecutive frames are combined as one vector which is the input feature of the FFNN. The output layer of FFNN produces audio event probabilities for each input feature vector. More than five consecutive frames of which event probability exceeds threshold are detected as an audio event. An audio event continues until the event is detected within one second. The proposed method achieves as 71.8% accuracy for 20 classes of the UrbanSound8K and the BBC Sound FX dataset.

A Study on the Improvement of Pitch Autopilot Flight Control Law (세로축 자동조종 비행제어법칙 개선에 관한 연구)

  • Kim, Chong-Sup;Hwang, Byung-Moon;Lee, Chul
    • Journal of the Korean Society for Aeronautical & Space Sciences
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    • v.36 no.11
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    • pp.1104-1111
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    • 2008
  • The supersonic advanced trainer based on digital flight-by-wire flight control system uses aircraft flight information such as altitude, calibrated airspeed and angle of attack to calculate flight control law, and this information is measured by IMFP(Integrated Multi-Function Probe) equipment. The information has triplex structure using three IMFP sensors. Final value of informations is selected by mid-value selection logic to have more flight data reliability. As the result of supersonic flight test, pitch oscillation is occurred due to IMFP noise when altitude hold autopilot mode is engaged. This tendency may affect stability and handling quality of an aircraft during autopilot mode. This paper addresses autopilot control law design to remove pitch oscillation and these control laws are verified by non-real time simulation and flight test. Also, pitch response characteristics of pitch attitude hold autopilot mode is improved by upgrading the control law structure and feedback gain tuning during bank turn.

Optimized Bankruptcy Prediction through Combining SVM with Fuzzy Theory (퍼지이론과 SVM 결합을 통한 기업부도예측 최적화)

  • Choi, So-Yun;Ahn, Hyun-Chul
    • Journal of Digital Convergence
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    • v.13 no.3
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    • pp.155-165
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    • 2015
  • Bankruptcy prediction has been one of the important research topics in finance since 1960s. In Korea, it has gotten attention from researchers since IMF crisis in 1998. This study aims at proposing a novel model for better bankruptcy prediction by converging three techniques - support vector machine(SVM), fuzzy theory, and genetic algorithm(GA). Our convergence model is basically based on SVM, a classification algorithm enables to predict accurately and to avoid overfitting. It also incorporates fuzzy theory to extend the dimensions of the input variables, and GA to optimize the controlling parameters and feature subset selection. To validate the usefulness of the proposed model, we applied it to H Bank's non-external auditing companies' data. We also experimented six comparative models to validate the superiority of the proposed model. As a result, our model was found to show the best prediction accuracy among the models. Our study is expected to contribute to the relevant literature and practitioners on bankruptcy prediction.

Detecting the Prostate Contour in TRUS Image using Support Vector Machine and Rotation-invariant Textures (SVM과 회전 불변 텍스처 특징을 이용한 TRUS 영상의 전립선 윤곽선 검출)

  • Park, Jae Heung;Seo, Yeong Geon
    • Journal of Digital Contents Society
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    • v.15 no.6
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    • pp.675-682
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    • 2014
  • Prostate is only an organ of men. To diagnose the disease of the prostate, generally transrectal ultrasound(TRUS) images are used. Detecting its boundary is a challenging and difficult task due to weak prostate boundaries, speckle noise and the short range of gray levels. In this paper a method for automatic prostate segmentation in TRUS images using Support Vector Machine(SVM) is presented. This method involves preprocessing, extracting Gabor feature, training, and prostate segmentation. The speckle reduction for preprocessing step has been achieved by using stick filter and top-hat transform has been implemented for smoothing. Gabor filter bank for extraction of rotation-invariant texture features has been implemented. SVM for training step has been used to get each feature of prostate and nonprostate. Finally, the boundary of prostate is extracted. A number of experiments are conducted to validate this method and results shows that the proposed algorithm extracted the prostate boundary with less than 10% relative to boundary provided manually by doctors.

A Study on the Prospects of the Financial IT Services Industry using the Correlation Analysis of the IT Budget in the Financial Industry (금융산업의 IT예산 상관관계 분석을 통한 금융IT서비스산업의 발전전망에 관한 연구)

  • Park, Sang-Kook;Han, Kyeong-Seok
    • Journal of Digital Convergence
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    • v.12 no.3
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    • pp.55-62
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    • 2014
  • According to the existing studies, the yearly IT budget on Korean financial industry has the same pattern with the GDP Change trend. We analyzed the correlation between GDP and the IT budget of financial industry for the 20 years since 1993. According to the results, as time went by the IT budget of bank, life insurance and securities has been consistently maintained a downward trend. On the other hand, it was confirmed to be maintained a upward trend of the non-life insurance's IT budget. As a result, we analyzed the impacts of IT regurations in the financial industry, then proposed the policy directions of the financial IT services industry.