• Journal of Intelligence and Information Systems
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• v.29 no.3
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• pp.419-437
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• 2023

As the number of thin filers in Korea surpasses 12 million, there is a growing interest in enhancing the accuracy of assessing their credit default risk to generate additional revenue. Specifically, researchers are actively pursuing the development of default prediction models using machine learning and deep learning algorithms, in contrast to traditional statistical default prediction methods, which struggle to capture nonlinearity. Among these efforts, Graph Neural Network (GNN) architecture is noteworthy for predicting default in situations with limited data on thin filers. This is due to their ability to incorporate network information between borrowers alongside conventional credit-related data. However, prior research employing graph neural networks has faced limitations in effectively handling diverse categorical variables present in credit information. In this study, we introduce the Transformer embedded Graph Convolutional Network (TeGCN), which aims to address these limitations and enable effective default prediction for thin filers. TeGCN combines the TabTransformer, capable of extracting contextual information from categorical variables, with the Graph Convolutional Network, which captures network information between borrowers. Our TeGCN model surpasses the baseline model's performance across both the general borrower dataset and the thin filer dataset. Specially, our model performs outstanding results in thin filer default prediction. This study achieves high default prediction accuracy by a model structure tailored to characteristics of credit information containing numerous categorical variables, especially in the context of thin filers with limited data. Our study can contribute to resolving the financial exclusion issues faced by thin filers and facilitate additional revenue within the financial industry.

• Journal of Korea Entertainment Industry Association
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• v.13 no.5
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• pp.73-82
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• 2019

The satirical content of the absurd play, centered on Lee Keun-sam's play, represents the family image of a modern capitalist society where only duty is emphasized while the characters are lost in love with the family. They show humans becoming subordinate to economic logic as traditional relationships and family relationships change into material ones due to the rapid development of the economy. The narrator expresses the roles of the performer and the narrator together. It also presents the plot as a characteristic element of epic and absurd dramas, and directs actors as directors. It also foretells the events that will take place in the future, presents the inner consciousness of the characters in the play, and reduces and expands events and times. In terms of conflict, in order to fulfill the financial responsibility of their children, the professor translates them like a machine and the wife distributes the money they earn as they demand. The middle-aged professor and his wife are not willing to make a difference in the real world, so specific conflicts are not revealed. Therefore, no concrete conflict appears within this work. The plot of consisted of 22 epicentre compartments, consisting of a time frame from evening to the next morning. And no special events happen and show only one family's daily life. In addition, materials that show simple repetition of daily life such as newspapers, rice, birthdays, etc. are effectively showing the character of absurdity through repeated structure. The linguistic features of the absurd play focus on expressing anxiety, despair, fantasy and the sense of loss that the object's purpose has disappeared. The stage system avoids detailed portrayals of naturalist plays and creates a thoroughly simplified image that the theme of the play demands, which shows that the stage unit is also an important element that characterizes the absurdity of reflexes.

• Journal of Service Research and Studies
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• v.13 no.2
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• pp.99-113
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• 2023

In a customer-based industry, customer retention is the competitiveness of a company, and improving customer retention improves the competitiveness of the company. Therefore, accurate prediction and management of potential dormant customers is paramount to increasing the competitiveness of the enterprise. In particular, there are numerous competitors in the domestic card industry, and the government is introducing an automatic closing system for dormant card management. As a result of these social changes, the card industry must focus on better predicting and managing potential dormant cards, and better predicting dormant customers is emerging as an important challenge. In this study, the Recurrent Neural Network (RNN) methodology was used to predict potential dormant customers in the card industry, and in particular, Long-Short Term Memory (LSTM) was used to efficiently learn data for a long time. In addition, to redefine the variables needed to predict dormant customers in the card industry, Unified Theory of Technology (UTAUT), an integrated technology acceptance theory, was applied to redefine and group the variables used in the model. As a result, stable model accuracy and F-1 score were obtained, and Hit-Ratio proved that models using LSTM can produce stable results compared to other algorithms. It was also found that there was no moderating effect of demographic information that could occur in UTAUT, which was pointed out in previous studies. Therefore, among variable selection models using UTAUT, dormant customer prediction models using LSTM are proven to have non-biased stable results. This study revealed that there may be academic contributions to the prediction of dormant customers using LSTM algorithms that can learn well from previously untried time series data. In addition, it is a good example to show that it is possible to respond to customers who are preemptively dormant in terms of customer management because it is predicted at a time difference with the actual dormant capture, and it is expected to contribute greatly to the industry.

• Journal of Korea Water Resources Association
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• v.56 no.4
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• pp.245-259
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• 2023

The agricultural reservoir is a critical water supply system in South Korea, providing approximately 60% of the agricultural water demand. However, the reservoir faces several issues that jeopardize its efficient operation and management. To address this issues, we propose a novel deep-learning-based water level recognition model that uses CCTV image data to accurately estimate water levels in agricultural reservoirs. The model consists of three main parts: (1) dataset construction, (2) image segmentation using the U-Net algorithm, and (3) CCTV-based water level recognition using either CNN or ResNet. The model has been applied to two reservoirs G-reservoir and M-reservoir with observed CCTV image and water level time series data. The results show that the performance of the image segmentation model is superior, while the performance of the water level recognition model varies from 50 to 80% depending on water level classification criteria (i.e., classification guideline) and complexity of image data (i.e., variability of the image pixels). The performance of the model can be improved if more numbers of data can be collected.

• Journal of the Korea institute for structural maintenance and inspection
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• v.27 no.3
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• pp.71-79
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• 2023

It is not efficient to install a maintenance system that measures seismic acceleration and displacement on all bridges and buildings to evaluate the safety of structures after an earthquake occurs. In order to maintain this, an on-site investigation is conducted. Therefore, it takes a lot of time when the scope of the investigation is wide. As a result, secondary damage may occur, so it is necessary to predict the safety of individual structures quickly. The method of estimating earthquake damage of a structure includes a finite element analysis method using approved seismic information and a structural analysis model. Therefore, it is necessary to predict the seismic information generated at arbitrary location in order to quickly determine structure damage. In this study, methods to predict the ground response spectrum and acceleration time history at arbitrary location using linear estimation methods, and artificial neural network learning methods based on seismic observation data were proposed and their applicability was evaluated. In the case of the linear estimation method, the error was small when the locations of nearby observatories were gathered, but the error increased significantly when it was spread. In the case of the artificial neural network learning method, it could be estimated with a lower level of error under the same conditions.

• Journal of Technology Innovation
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• v.30 no.1
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• pp.57-104
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• 2022

The government has supported the innovation of private firms by intervening the market for various purposes, such as preventing market failure, alleviating information asymmetry, and allocating resources efficiently. Although the government's R&D budget increased rapidly in the 2000s, it is not clear whether the government intervention has made desirable impact on the market. To address this, the current study attempts to explore this issue by doing a systematic literature review on foreign and domestic papers in an integrated way. In total, 168 studies are analyzed using contents analysis approach and various lens, such as policy additionality, policy tools, firm size, unit of analysis, data and method, are adopted for analysis. Overlapping policy target, time lag between government intervention and policy effects, non-linearity of financial supports, interference between different polices, and out-dated R&D tax incentive system are reported as factors hampering the effect of the government intervention. Many policy prescriptions, such as program evaluation indices reflecting behavioral additionality, an introduction of policy mix and evidence-based policy using machine learning, are suggested to improve these hurdles.

• Journal of Intelligence and Information Systems
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• v.29 no.2
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• pp.129-148
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• 2023

Bitcoin is a blockchain technology-based digital currency that has been recognized as a representative cryptocurrency and a financial investment asset. Due to its highly volatile nature, Bitcoin has gained a lot of attention from investors and the public. Based on this popularity, numerous studies have been conducted on price and trend prediction using machine learning and deep learning. This study employed LSTM (Long Short Term Memory) and CNN (Convolutional Neural Networks), which have shown potential for predictive performance in the finance domain, to enhance the classification accuracy in Bitcoin price trend prediction. XAI(eXplainable Artificial Intelligence) techniques were applied to the predictive model to enhance its explainability and interpretability by providing a comprehensive explanation of the model. In the empirical experiment, CNN was applied to technical indicators and Google trend data to build a Bitcoin price trend prediction model, and the CNN model using both technical indicators and Google trend data clearly outperformed the other models using neural networks, SVM, and LSTM. Then SHAP(Shapley Additive exPlanations) was applied to the predictive model to obtain explanations about the output values. Important prediction drivers in input variables were extracted through global interpretation, and the interpretation of the predictive model's decision process for each instance was suggested through local interpretation. The results show that our proposed research framework demonstrates both improved classification accuracy and explainability by using CNN, Google trend data, and SHAP.

• Journal of Intelligence and Information Systems
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• v.29 no.2
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• pp.285-301
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• 2023

Due to the increasing demand and importance of non-face-to-face education, open online learning platforms are getting interests both domestically and internationally. These platforms exhibit different characteristics from online courses by universities and other educational institutions. In particular, students engaged in these platforms can receive more learner autonomy, and the development of tools to assist learning is required. From the past, researchers have attempted to utilize process mining to understand realistic study behaviors and derive learning patterns. However, it has a deficiency to employ it to the open online learning platforms. Moreover, existing research has primarily focused on the process model perspective, including process model discovery, but lacks a method for the process pattern and instance perspectives. In this study, we propose a method to identify learning patterns within an open online learning platform using process mining techniques. To achieve this, we suggest three different viewpoints, e.g., model-level, variant-level, and instance-level, to comprehend the learning patterns, and various techniques are employed, such as process discovery, conformance checking, autoencoder-based clustering, and predictive approaches. To validate this method, we collected a learning log of machine learning-related courses on a domestic open education platform. The results unveiled a spaghetti-like process model that can be differentiated into a standard learning pattern and three abnormal patterns. Furthermore, as a result of deriving a pattern classification model, our model achieved a high accuracy of 0.86 when predicting the pattern of instances based on the initial 30% of the entire flow. This study contributes to systematically analyze learners' patterns using process mining.

• Journal of Intelligence and Information Systems
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• v.29 no.2
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• pp.35-56
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• 2023

With the development of information and communication technology, numerous reviews are continuously posted on websites, which causes information overload problems. Therefore, users face difficulty in exploring reviews for their decision-making. To solve such a problem, many studies on review helpfulness prediction have been actively conducted to provide users with helpful and reliable reviews. Existing studies predict review helpfulness mainly based on the features included in the review. However, such studies disable providing the reason why predicted reviews are helpful. Therefore, this study aims to propose a methodology for applying eXplainable Artificial Intelligence (XAI) techniques in review helpfulness prediction to address such a limitation. This study uses restaurant reviews collected from Yelp.com to compare the prediction performance of six models widely used in previous studies. Next, we propose an explainable review helpfulness prediction model by applying the XAI technique to the model with the best prediction performance. Therefore, the methodology proposed in this study can recommend helpful reviews in the user's purchasing decision-making process and provide the interpretation of why such predicted reviews are helpful.

• Korean Chemical Engineering Research
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• v.61 no.3
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• pp.388-393
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• 2023

The analysis of engineering data using neural network based on supervised learning has been utilized in various engineering fields such as optimization of chemical engineering process, concentration prediction of particulate matter pollution, prediction of thermodynamic phase equilibria, and prediction of physical properties for transport phenomena system. The supervised learning requires training data, and the performance of the supervised learning is affected by the composition and the configurations of the given training data. Among the frequently observed engineering data, the data is given in log-scale such as length of DNA, concentration of analytes, etc. In this study, for widely distributed log-scaled training data of virtual 100×100 images, available loss functions were quantitatively evaluated in terms of (i) confusion matrix, (ii) maximum relative error and (iii) mean relative error. As a result, the loss functions of mean-absolute-percentage-error and mean-squared-logarithmic-error were the optimal functions for the log-scaled training data. Furthermore, we figured out that uniformly selected training data lead to the best prediction performance. The optimal loss functions and method for how to compose training data studied in this work would be applied to engineering problems such as evaluating DNA length, analyzing biomolecules, predicting concentration of colloidal suspension.