• Title/Summary/Keyword: Digital Bank

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An implementation of DWT Encoder design for image compression (영상 압축을 위한 DWT Encoder 설계)

  • 이강현
    • Proceedings of the IEEK Conference
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    • 1999.11a
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    • pp.491-494
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    • 1999
  • Introduction of digital communication network such as Integrated Services Digital Networks(ISDN) and digital storage media have rapidly developed. Due to a large amount of image data, compression is the key techniques in still image and video using digital signal processing for transmitting and storing. Digital image compression provides solutions for various image applications that represent digital image requiring a large amount of data. In this paper, the proposed DWT(Discrete Wavelet Transform) filter bank is consisted of simple architecture, but it is efficiently designed that a user obtain a wanted compression rate as only input parameter. If it is implemented by FPGA chip, the designed encoder operates in 12MHz.

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Enhancing Throughput and Reducing Network Load in Central Bank Digital Currency Systems using Reinforcement Learning (강화학습 기반의 CBDC 처리량 및 네트워크 부하 문제 해결 기술)

  • Yeon Joo Lee;Hobin Jang;Sujung Jo;GyeHyun Jang;Geontae Noh;Ik Rae Jeong
    • Journal of the Korea Institute of Information Security & Cryptology
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    • v.34 no.1
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    • pp.129-141
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    • 2024
  • Amidst the acceleration of digital transformation across various sectors, the financial market is increasingly focusing on the development of digital and electronic payment methods, including currency. Among these, Central Bank Digital Currencies (CBDC) are emerging as future digital currencies that could replace physical cash. They are stable, not subject to value fluctuation, and can be exchanged one-to-one with existing physical currencies. Recently, both domestic and international efforts are underway in researching and developing CBDCs. However, current CBDC systems face scalability issues such as delays in processing large transactions, response times, and network congestion. To build a universal CBDC system, it is crucial to resolve these scalability issues, including the low throughput and network overload problems inherent in existing blockchain technologies. Therefore, this study proposes a solution based on reinforcement learning for handling large-scale data in a CBDC environment, aiming to improve throughput and reduce network congestion. The proposed technology can increase throughput by more than 64 times and reduce network congestion by over 20% compared to existing systems.

Operation status and improvement plan of bank's performance evaluation systems - focused on the balanced scorecard - (은행의 성과평가시스템 운영실태와 개선방안 - 균형성과표를 중심으로 -)

  • Lee, Kee Kuk;Chi, Sung Kwon;Lee, Dae Shik
    • Journal of Digital Convergence
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    • v.12 no.11
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    • pp.159-169
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    • 2014
  • I Bank, which is domestic one, has implemented a performance management system based on the balanced scorecards (BSC). The purpose of this study is to understand the status and seek improvements of the performance management system of the bank. To achieve the purpose, this paper makes study about the earlier researches and does empirical study based on the questionnaire survey analysis. After figuring out issues, this paper proposes improvements to operate the performance management system using BSC more properly. The Journal of Digital Policy & Management. This space is for the abstract of your study in English.

Development of a Digital Receiver for Detecting Radar Signals (레이더 신호 탐지용 디지털수신기 개발)

  • Cha, Minyeon;Choi, Hyeokjae;Kim, Sunghoon;Moon, Byungjin;Kim, Jaeyun;Lee, Jonghyun
    • Journal of the Korea Institute of Military Science and Technology
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    • v.22 no.3
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    • pp.332-340
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    • 2019
  • Electronic warfare systems are needed to be advantageous in the modern war. Many radar threat signals with various frequency spectrums and complicated techniques exist. For detecting the threats, a receiver with wide and narrow-band digital processing is needed. To process a wide-band searching mode, a polyphase filter bank has become the architecture of choice to efficiently detect threats. A polyphase N-path filter aligns the re-sampled time series in each path, and a discrete Fourier transform aligns phase and separates the sub-channel baseband aliases. Multiple threats and CW are detected or rejected when the signals are received in different sub-channels. And also, to process a narrow-band precision mode, a direct down converter is needed to reduce aliasing by using a decimation filter. These digital logics are designed in a FPGA. This paper shows how to design and develop a wide and narrow-band digital receiver that is capable to detect the threats.

Electronic Cash for Central Bank′s Monetary Policy

  • Lim, Kwang-Sun;Park, Jung-Su;Hyun, Tchang-Hee
    • Journal of Korea Technology Innovation Society
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    • v.1 no.1
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    • pp.96-105
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    • 1998
  • Electronic cash affects central bank in many areas, in particular regarding the issuance of money, supervision of cashless payments, supervision of the banking system and monetary policy. The effects of electronic cash on central bank policies, the security and integrity of the payment system, and naturally also on single sector such as company engaged in the transport of money and valuables, depend mainly on the extent to which the new payment methods can replace cash. The possible development of electronic cash merits special attention from central banks for at least three reasons. First, central banks are concerned that the introduction of the new payment instrument should have no adverse effect on public confidence in the payment system and payment media. Second, although the substitution of electronic cash for other forms of money should not theoretically hamper central bank's ability to control the money supply, it might, however, have practial implications, at least in the long run, which need to be carefully examined. Third, because electronic cash may be used for payments of very small value, they have the potential, more than any other cashless instrument, to take over the role of notes and coins in the economy and, therefore, have implications for central bank's activities and revenues.

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Managerial Ownership and Debt Choice (경영자 소유구조와 부채선택)

  • Choi, Jeongmi
    • Journal of Digital Convergence
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    • v.11 no.4
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    • pp.177-188
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    • 2013
  • This study examines how managerial ownership structure affects the borrower's choice of private versus public debt using 2,608 firm-year data for 2006-2008. This paper investigates the relationship between managerial ownership structure and debt choice. Managerial ownership is measured using number of stocks and unexercised stock-options and debt is classified public and private debt. The results find that there is a positive association between managerial ownership and the private debt dependence and also find that when firms finance additional funds, higher managerial ownership leads managers to choose private debt not public debt. Since private debt can be classified into bank debt and non bank debt, this paper examines the relationship between managerial ownership and a choice of bank debt. The results indicate that managers with higher ownership are more likely to use bank debt over public debt and non bank debt. By examining the relation between managerial ownership and a debt choice, this paper has following contributions. First, this study shows that managerial ownership affects the choice of the source of financing using three different proxies of managerial ownership. Second, this study classified private debt into bank debt and non-bank debt and provide the evidence of preference toward private debt especially bank debt among other financing sources. Finally, there are extensive studies related to capital structure and managerial ownership, but there is little empirical research on the debt choice and managerial ownership. Thus, this paper adds to literature by exploring the effects of managerial ownership on a debt choice.

The Era of Digital Currency and CBDC Strategy (디지털 화폐 시대와 CBDC 대응전략)

  • Kim, So-Hyung;Chung, Jee-Yong;Kim, Moon-Soo;Choi, Hyang-Mi
    • Journal of Digital Convergence
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    • v.19 no.12
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    • pp.303-309
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    • 2021
  • This study examines the effects of CBDC(Central Bank Digital Currency) on the Korean economy in the digital currency era and discusses the response strategies for CBDC. With the review of the definition and the development status of digital currency, we explore the characteristics and current status of CBDC in Korea as well as the possibility for internationalization of CBDC. The result shows that CBDC can reduce credit risk, improve transaction transparency compared to cash, and increases monetary policy capacity. Meanwhile, the credit and intermediary function of financial institutions may be weakened, and side effects such as financial alienation may occur. Nevertheless, as the issuance of CBDC is an important opportunity to enhance the possibility of internationalization of Korean Won, preemptive measures are required to keep pace with the competition and cooperation with each country toward the digital key currency. We need to accelerate the digital financial environment through Korea's comparative advantage, and develop a strategy to achieve the internationalization of the financial industry and the Korean Won through CBDC issuance. From the early stage of CBDC designing, it is necessary to achieve international agreements through cooperation with other central banks and to develop policies suitable for the transition to digital currency.

Determinants of Service Quality on Customer Loyalty of Financial Agency -Focused on Suhyup Bank- (금융기관 서비스품질의 고객충성도 결정요인 -수협은행을 중심으로-)

  • Lee, Sang-Jun;Lee, Sang-Yup
    • Journal of Digital Convergence
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    • v.12 no.4
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    • pp.193-200
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    • 2014
  • The purpose of this research is to explore ways to raise the quality of the financial services of Suhyup Bank, to secure its customers' loyalty, and to help it achieve sustainable growth. The results of this research showed that the ways to improve the service quality of Suhyup Bank are as follows: establish a relationship between its customers' satisfaction with the usefulness, creativity, reliability, and safety of its services and its customer management based on its customers' decision-making factors; establish service improvement schemes that consider new customer needs and desires; and improve its service quality and raise its internal quality factors, which are the keys to its expansion to customized services.

Low sidelobe digital doppler filter bank synthesis algorithm for coherent pulse doppler radar (Coherent 레이다 신호처리를 위한 저부엽 도플러 필터 뱅크 합성 알고리즘)

  • 김태형;허경무
    • The Journal of Korean Institute of Communications and Information Sciences
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    • v.21 no.3
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    • pp.612-621
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    • 1996
  • In this paper, we propose the low sidelobe digital FIR doppler filter bank synthesis algorithm through the Gradient Descent method and it can be practially appliable to coherent pulse doppler radar signal processing. This algorithm shows the appropriate calculation of tap coefficients or zeros for FIR transversal fiter which has been employed in radar signal processor. The span of the filters in the filter bank be selected at the desired position the designer want to locate, and the lower sidelobe level that has equal ripple property is achieved than one for which the conventional weithtedwindow is used. Especially, when we implemented filter zeros as design parameters it is possible to make null filter gain at zero frequency intensionally that would be very efficient for the eliminatio of ground clutter. For the example of 10 tap filter synthesis, when filter coefficients or zeros are selected as design parameters the corresponding sidelobelevel is reducedto -70db or -100db respectively and it has good convergent characteristics to the desired sidelobe reference value. The accuracy ofapproach to the reference value and the speed of convergence that show the performance measure of this algorithm are tuned out with some superiority and the fact that the bandwidth of filter appears small with respect to one which is made by conventional weighted window method is convinced. Since the filter which is synthesized by this algorithm can remove the clutter without loss of target signal it strongly contributes performance improvement with which detection capability would be concerned.

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Study on Factors Affecting Financial Customer's Switching Intention to Internet only bank: Focus on Kakao bank (인터넷 전문은행의 성공 요건, 금융 소비자의 전환의도에 영향 주는 요인 분석: 카카오뱅크를 중심으로)

  • Kwak, Na-Yeon;Yoo, Hyein;Lee, Choong C.
    • Journal of Digital Convergence
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    • v.16 no.2
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    • pp.157-167
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    • 2018
  • Internet only banking has been spreading rapidly since it was first introduced in Korea since 2017, but issues regarding its limitations continuously are rising. In this research, consumers' intention to switch have been empirically demonstrated toward the internet banking by applying the PPM theory. To achieve a purpose of the research, survey targeting total 132 person who have experiences of using KaKaobank have been implemented by using Smart PLS 3.0. In conclusion, it has been verified that the push and full effect have a positive effect on the consumers' intention to switch main bank and the degree of usage of KaKaobank have significantly influences on relation between mooring factor and consumers' intention to switch main bank. Through this study, the scope of the PPM theory applied in previous researches regarding consumer's service transition shall be extended to Fintech service and practically it provides implications for establishing a strategy to enter the Internet only bank market.