• Journal of Digital Convergence
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• v.19 no.7
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• pp.147-154
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• 2021

The pandemic age came to us after the COVID19 broke out in the early of 2020, which resulted in many changes in our everyday life. One of the changes is non-contact transactions in economic activities, especially contact-free financial transactions are ever-increasing activities in the pandemic age. In non-contact financial transactions, security and trust are important issues that users are concerned about the most. So the paper examines how security and trust have effects on the attitudes of bank customers who use mobile banking applications on their smartphones. The study conducted factor ananlysis to extract research constructs using survey data gathered during Nobember of 2020 through February of 2021 across the nation. After extracting the constructs, the study checked validity, sampling adequacy, and internal reliability with KMO, Bartlett's test, and Crombach Alpha respectively. To make sure the purpose of the study, I do regression analysis. All factors of attitude had impacts on willingness on both of transactions and purchasing financial products. The results could give guidelines banks which want to attract more customers in open-banking environment through ever-more secure and trusty mobile banking application.

• Journal of the Institute of Electronics Engineers of Korea SP
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• v.45 no.2
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• pp.81-89
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• 2008

Wideband speech, characterized by a bandwidth of about 7 kHz (50-7000 Hz), provides a substantial quality improvement in terms of naturalness and intelligibility. Although higher data rates are required, it has extended its application to audio and video conferencing, high-quality multimedia communications in mobile links or packet-switched transmissions, and digital AM broadcasting. In this paper, we present a new bandwidth-scalable coder for wideband speech and audio signals. The proposed coder spits 8kHz signal bandwidth into two narrow bands, and different coding schemes are applied to each band. The lower-band signal is coded using the ITU-T G.729/G.729E coder, and the higher-band signal is compressed using a new algorithm based on the gammatone filter bank with an invertible auditory model. Due to the split-band architecture and completely independent coding schemes for each band, the output speech of the decoder can be selected to be a narrowband or wideband according to the channel condition. Subjective tests showed that, for wideband speech and audio signals, the proposed coder at 14.2/18 kbit/s produces superior quality to ITU-T 24 kbit/s G.722.1 with the shorter algorithmic delay.

• Maxillofacial Plastic and Reconstructive Surgery
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• v.37
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• pp.2.1-2.9
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• 2015

Background: The aim of this study was to evaluate the effect of autogenous tooth bone as a graft material for regeneration of bone in vertical bony defects of the minipigs. Material and Methods: Six minipigs were used in this study. Four molars were extracted in the right mandibular dentition and sent to the Korea Tooth Bank for fabrication of autogenous tooth bone. Ten days later, each extraction site was implanted with MS Implant Narrow Ridge $3.0{\times}10mm$ fixture (Osstem, Seoul, Korea) after standardized 2mm-sized artificial vertical bony defect formation. Pineappleshaped Root-On type autogenous tooth bones were applied to the vertical defects around the neck area of the posterior three fixtures and the fore-most one was not applied with autogenous bone as a control group. Each minipig was sacrificed at 4, 8, 12 weeks after fixture installation and examined radiologically and histologically. Histological evaluation was done under light microscope with Villanueva osteochrome bone staining with semi-quantitative histomorphometric study. Percentage of new bone over total area (NBF) and bone to implant contact (BIC) ratio were evaluated using digital software for area calculation. Result: NBF were $48.15{\pm}18.02%$, $45.50{\pm}28.37%$, and $77.13{\pm}15.30%$ in 4, 8, and 12 weeks, respectively for experimental groups. The control group showed $37.00{\pm}11.53%$, $32.25{\pm}26.99%$, and $1.33{\pm}2.31%$ in 4,8,12 weeks, respectively. BIC ratio were $53.08{\pm}19.82%$, $45.00{\pm}28.37%$, and $75.13{\pm}16.55%$ in 4,8,12 weeks, respectively. Those for the control groups were $38.33{\pm}6.43%$, $33.50{\pm}29.51%$, and $1.33{\pm}2.31%$ in 4, 8, 12 weeks, respectively. Conclusion: Autogenous tooth bone showed higher score than control group in NBF and BIC in all the data encompassing 4,8,12 weeks specimens, but statistically significant only 12 weeks data in both NBF and BIC.

• Journal of Service Research and Studies
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• v.10 no.1
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• pp.17-31
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• 2020

Open banking, the global trend of the financial industry, is the driving force behind various innovations in the financial market in the future. The right policy direction and detailed tasks are important for triggering the differentiation and reunion of the financial industry. The purpose of this study is to investigate and analyze the background of open banking, domestic and international trends, and Korea's open banking policy. The policy directions and tasks for successful settlement and activation of open banking system are carefully suggested. Open banking is a policy to allow third party provider(TPP) access to bank accounts and open payment functions under the explicit consent of the customer. The opening of the open banking era is expected to begin competition and cooperation between banks and fintech companies in earnest, thus enhancing the competitiveness of the financial industry and contributing to the utility of financial consumers. To this end, policymakers should make every effort to advance open-ended financial settlement infrastructure, open banking legal grounds, and minimize side effects such as customer data leakage and poor financial system stability. Banks and fintech companies will need to focus on scattered customer financial information on a single platform and develop it into a convergence and discrimination of true financial services.

• Journal of Digital Convergence
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• v.9 no.6
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• pp.137-151
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• 2011

This dissertation aims to empirically analyze the effect of cultivation of software industry on the local economy through Inter-regional Software Input-Output Analysis. The temporal range of analysis of effect of software industry on the local economy shall be for the year 2005 since analysis is made on the basis of the Regional Industrial Input-Output Table published by the Bank of Korea in 2005, and spatial domain shall be limited to the 16 metropolitan cities and provinces, which are the standards for each administrative zone. Results of analysis of this dissertation are as follows. Firstly, average inverse matrix coefficient of software industry for each region was computed to be 1.6248, which is lower than the average inverse matrix coefficient of 1.7979 for the entire industries. Secondly, among these, inverse matrix coefficient of software industry for each region on other industry within the same region was 0.1794, which is higher than that of entire industries at 0.1382. However, average inverse matrix coefficients of software industry for each region on self-industry within the same region and entire industries in other regions were found to be 1.0119 and 0.4335, respectively, which is lower than those of entire industries at 1.0982 and 0.5616, respectively. Thirdly, domestic produces induced by final demand items of software industry for each region was the highest for Seoul with 17.3309 trillion Korean won, accounting for 81.0% of the total, followed by Gyeonggi with 2.3370 trillion Korean won, 10.9% of the total. Fourthly, distribution ratios of domestic produces induced by final demand items of software industry for each region were found to be 19.1%, 72.1% and 8.8% with respect to the weight of consumption, investment and export, respectively, thereby illustrating very high level of distribution ratios of domestic produces being induced by investment in comparison to the distribution ratios of domestic produces being induced for the entire industries at 47.3%, 19.8% and 32.9%, respectively.