• Title/Summary/Keyword: Practical use

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A Checklist to Improve the Fairness in AI Financial Service: Focused on the AI-based Credit Scoring Service (인공지능 기반 금융서비스의 공정성 확보를 위한 체크리스트 제안: 인공지능 기반 개인신용평가를 중심으로)

  • Kim, HaYeong;Heo, JeongYun;Kwon, Hochang
    • Journal of Intelligence and Information Systems
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    • v.28 no.3
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    • pp.259-278
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    • 2022
  • With the spread of Artificial Intelligence (AI), various AI-based services are expanding in the financial sector such as service recommendation, automated customer response, fraud detection system(FDS), credit scoring services, etc. At the same time, problems related to reliability and unexpected social controversy are also occurring due to the nature of data-based machine learning. The need Based on this background, this study aimed to contribute to improving trust in AI-based financial services by proposing a checklist to secure fairness in AI-based credit scoring services which directly affects consumers' financial life. Among the key elements of trustworthy AI like transparency, safety, accountability, and fairness, fairness was selected as the subject of the study so that everyone could enjoy the benefits of automated algorithms from the perspective of inclusive finance without social discrimination. We divided the entire fairness related operation process into three areas like data, algorithms, and user areas through literature research. For each area, we constructed four detailed considerations for evaluation resulting in 12 checklists. The relative importance and priority of the categories were evaluated through the analytic hierarchy process (AHP). We use three different groups: financial field workers, artificial intelligence field workers, and general users which represent entire financial stakeholders. According to the importance of each stakeholder, three groups were classified and analyzed, and from a practical perspective, specific checks such as feasibility verification for using learning data and non-financial information and monitoring new inflow data were identified. Moreover, financial consumers in general were found to be highly considerate of the accuracy of result analysis and bias checks. We expect this result could contribute to the design and operation of fair AI-based financial services.

Exploring A Research Trend on Entrepreneurial Ecosystem in the 40 Years of the Asia Pacific Journal of Small Business for the Development of Ecosystem Measurement Framework (「중소기업연구」 40년 동안의 창업생태계 연구 동향 고찰 및 측정모형 개발을 위한 탐색적 연구)

  • Seo, Ribin;Choi, Kyung Cheol;Byun, Youngjo
    • Korean small business review
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    • v.42 no.4
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    • pp.69-102
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    • 2020
  • Shedding new light on the research trend on entrepreneurial ecosystems in the 40-year history of the Asia Pacific Journal of Small Business, this study aims at exploring a potential measurement framework of ecological inputs and outputs in an entrepreneurial ecosystem that promotes entrepreneurship at geographical and spatial levels. As a result of the analysis of research on the entrepreneurial ecosystem in the journal, we found that prior studies emphasized the managerial importance of various ecological factors on the premise of possible causalities between the factors and entrepreneurship. However, empirical research to verify the premised causality has been underexplored yet. This literature gap may lead to unbalanced development of conceptual and case studies that identify requirements for successful entrepreneurial ecosystems based on experiential facts, thereby hindering the generalization of the research results for practical implications. In that there is a growing interest in creating and operating productive entrepreneurial ecosystems as an innovation engine that drives national and regional economic growth, it is necessary to explore and develop the measurement framework for ecological factors that can be used in future empirical research. Hereupon, we apply a conceptual model of 'input-output-outcome-impact' to categorize individual environmental factors identified in prior studies. Based on the model. We operationalize ecological input factors as the financial, intellectual, institutional, and social capitals, and ecological output factors as the establishment-based, innovation-based, and performance-based entrepreneurship. Also, we propose several longitudinal databases that future empirical research can use in analyzing the potential causality between the ecological input and output factors. The proposed framework of entrepreneurial ecosystems, which focuses on measuring ecological input and output factors, has a high application value for future research that analyzes the causality.

Effects of Shading Rate, Rooting Media and Plant Growth Regulators on Rooting of Veronoca L. by Cuttings (삽목 번식 시 차광정도, 삽목용토 및 생장조절제 처리가 꼬리풀(Veronica L.)의 발근에 미치는 영향)

  • Cheon Young, Song;Ja Young, Moon;Jung Won, Sung;Byeong Seon, Park;Jae Ik, Nam;Jeong Min, Kim
    • Journal of Practical Agriculture & Fisheries Research
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    • v.24 no.4
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    • pp.35-44
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    • 2022
  • This study was conducted to develop a mass production for a commercial use by cutting of 4 kinds of V. glabrifolia Kitag., V. pusanensis Y.N.Lee, V. glabrifolia Kitag. × V. Spicata 'Alba' and V. spicata 'Ulster Blue Dwarf' × V. longifolia. Veronica L. Effects of shade, media and concentrations of plant growth regulators on the rooting of Veronica L. were examined. The rooting rate of V. glabrifolia Kitag. was higher as a 60% than the V. pusanensis Y.N.Lee as a 20% in the control of commercial media. In shading treatment, the rooting rate was highest at 30% or 60% shading, and the 30% shading was the best in number of root and root length, but the 90% shading was lower than no shading treatment. For cutting media, the rock wool and 100% perlite increased the rooting rate by more than 10% compared to commercial media, and increased the number of roots by 2 or 3 times. However the Cocopeat of media was lower of rooting rate, root number, and root length compared to another treatment. In the plant growth regulator treatment, the rate of rooting increased in all treatment compared to control, and was highest at IBA 1,000mg·L-1 as a 82.2% and NAA 200 or 400mg·L-1 as a 82.2% or 84.4% respectively, in the V. glabrifolia Kitag. × V. Spicata 'Alba'. However, the root number and root length was decreased as the concentration of growth regulators increased.

The availability for cardiorespiratory fitness measurement by 20 m shuttle run test in different sports type of elite athletes. Exercise Science (엘리트 선수들의 운동특성에 따른 20 m 셔틀런 검사의 유용성)

  • Kim, J.K.;Lee, N.J.;Lee, M.S.
    • Exercise Science
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    • v.21 no.2
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    • pp.183-190
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    • 2012
  • This study is to evaluate the availability of cardiorespiratory fitness measurement by 20 m shuttle run test based upon energy contribution rates of elite athletes in different sports type. Sixty-seven elite athletes attending K national university participated in this study. They were divided by three groups based upon sports type, composed of Anaerobic Group (sprint, jumps, weightlifting, throw; n=35), Aerobic Group (medium-long distance; n=9), and Combat Sport Group (judo; n=23). 20 m shuttle run test was conducted by Leger et al.(1982) method and calculating acceleration using measured shuttle run repetitions was conducted by Brewer et al.(1988) method. To test the usefulness of VO2max, graded exercise treadmill test was conducted and standing long jump and 50 m run were measured as power fitness factors. Z-jump was used for measuring power, agility, and muscular endurance. Standing long jump and 50 m run of Anaerobic Group (AnG) was significantly higher than that of Aerobic Group (AeG) and Combat Sport Group (CG) (p<0.05). However, Z-jump of CG was significantly higher than that of AnG and AeG(p<.05). There was a higher correlation of 20 m shuttle run test and VO2max in AnG(r= 0.577, p<.0001) and CG(r= 0.760, p<.0001). Otherwise, there was a low correlation of 20 m shuttle run test and VO2max in AeG. There was no significant group difference to test the availability of 20 m shuttle run test and there was a reduced error when converting 20 m shuttle run results into VO2max. This study examined the usefulness of 20 m shuttle run test by converting 20 m shuttle run repetition results into VO2max calculation, which showed reduced error. Therefore, this study confirmed that it would be needed to convert 20 m shuttle run results into VO2max for universal and practical use in the field without dividing sports type.

Development of Tree Carbon Calculator to Support Landscape Design for the Carbon Reduction (탄소저감설계 지원을 위한 수목 탄소계산기 개발 및 적용)

  • Ha, Jee-Ah;Park, Jae-Min
    • Journal of the Korean Institute of Landscape Architecture
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    • v.51 no.1
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    • pp.42-55
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    • 2023
  • A methodology to predict the carbon performance of newly created urban greening plans is required as policies based on quantifying carbon performance are rapidly being introduced in the face of the climate crisis caused by global warming. This study developed a tree carbon calculator that can be used for carbon reduction designs in landscaping and attempted to verify its effectiveness in landscape design. For practical operability, MS Excel was selected as a format, and carbon absorption and storage by tree type and size were extracted from 93 representative species to reflect plant design characteristics. The database, including tree unit prices, was established to reflect cost limitations. A plantation experimental design to verify the performance of the tree carbon calculator was conducted by simulating the design of parks in the central region for four landscape design, and the causal relationship was analyzed by conducting semi-structured interviews before and after. As a result, carbon absorption and carbon storage in the design using the tree carbon calculator were about 17-82% and about 14-85% higher, respectively, compared to not using it. It was confirmed that the reason for the increase in carbon performance efficiency was that additional planting was actively carried out within a given budget, along with the replacement of excellent carbon performance species. Pre-interviews revealed that designers distrusted data and the burdens caused by new programs before using the arboreal carbon calculator but tended to change positively because of its usefulness and ease of use. In order to implement carbon reduction design in the landscaping field, it is necessary to develop it into a carbon calculator for trees and landscaping performance. This study is expected to present a useful direction for ntroducing carbon reduction designs based on quantitative data in landscape design.

Effects of Light Quality, Temperature or Vermiculite Depth on Germination for the Veronica L. (광질, 온도 및 복토 깊이가 꼬리풀 (Veronica L.) 종자의 발아에 미치는 영향)

  • Cheon Young Song;Ja Young Moon;Jung Won Sung;Byeong Seon Park;Jae Ik Nam;Jeong Min Kim
    • Journal of Practical Agriculture & Fisheries Research
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    • v.25 no.1
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    • pp.36-47
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    • 2023
  • This study was conducted to develop a mass production for a commercial use by germination of 4 kinds of Veronica glabrifolia Kitag., V. pusanensis Y.N.Lee, V. glabrifolia Kitag. × V. Spicata 'Alba' and V. spicata 'Ulster Blue Dwarf × V. longifolia. Veronica L. Effects of dipping time to a disinfecting fluid, light quality, temperature or vermiculite depth on the germination of Veronica L. were examined. Germination percentage in a disinfecting fluid for 120 minutes dipping was the 75.1% for V. pusanensis Y.N.Lee, and was some higher in 60 minutes dipping for all the species, but there was no significant difference according to the dipping time. The germination of the light quality was the best in complex light (red light + blue light) as the germination 92.8%, uniformity 2.3 in Veronica glabrifolia Kitag., or the germination 85.9%, uniformity 3.5 in V. pusanensis Y.N.Lee. And the germination percentage of red light was ranged from 79.1% to 95,5%, the blue light was 83.1% to 100% in the all species. However the germination in the dark condition significantly lowered as a 40.0% to 56.3% or uniformity from 5.2 to 6.5. Like this, the germination of blue light was better compare to the red light. The germination rate according to temperature was higher at 25℃ day/20℃ night ranged from 92.1% to 100%, or at 20℃ day/15℃ night as a 85.5% to 98.9% in the all species, compare to constant temperature 25℃ as a 80.9% in V. pusanensis Y.N.Lee. The germination rate of vermiculite depth was higher in 1 to 2mm ranged from 83.4% to 100%, however when the vermiculite was covered with 4mm, the germination rate significantly decreased from 45.2% to 72.1% and the hypocotyl length became longer above 3cm than that of others.

A Study on the Pattern and Promotion of Landscape Architects Participation in Urban Regeneration Projects- Focusing on the Urban Regeneration New Deal Project (2017-2019) - (도시재생사업에서 조경의 참여 양상과 증진 모색 - 도시재생 뉴딜 선정사업(2017-2019)을 중심으로 -)

  • Lee, Jeong-Hee;Yun, Young-Jo
    • Journal of the Korean Institute of Landscape Architecture
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    • v.50 no.6
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    • pp.96-109
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    • 2022
  • This study aims to identify the role and the use of landscape architects as a core strategy in urban regeneration projects by project type. This study attempted to find ways to promote landscape architects' participation patterns and characteristics in promoting urban regeneration and revitalization plans. Among the New Deal projects, from 2017 to 2019, when the urban regeneration projects were promoted, a total of 822 projects with terms such as park, garden, landscaping, rest space, forest, greening, planting, and flowers were included, In this study, an integrated approach was applied, considering the status of landscape architects participation, a literature survey by project entity, analysis of prior research, revitalization plan reports, and interviews by project entity, and aspects and characteristics of landscape architects participation according to project type. The results were classified. In the urban regeneration projects, the landscape characteristics were analyzed in terms of hardware or software participation methods according to the project type, and the participation patterns and promotion measures of landscape architecture and ways to promote them identified in the course of the project are as follows. First, the role and participation pattern of landscape architects in urban regeneration projects differed depending on the type of project. As the prerequisites for each type of project, the subject of the project, the direction, the differentiation of the regeneration strategy for each project, and the level of participation of residents interacted in a complex way. The participation of landscape architects has changed and expanded its meaning and role. Second, the change and value of the expanded the participation method of landscape architects in the urban regeneration project and appeared as a multi-purpose and complex role in the process of a project, indicating that the value of landscape in the classical sense is changing and its substantive aspect depends on the type of project. Third, this study confirmed the importance of recognizing the role and value of 'landscape architecture' as a strategic and practical means of regeneration that can be utilized. Therefore, in order to promote the participation of landscape architects, diversification is required through changes in participation methods according to urban regeneration strategies for each project, rather than participation focused on hardware projects, such as park creation in terms of form and place. In addition, it was confirmed that the participation of landscape architects, which play an important role in fostering a sense of community among residents as an experience and activity program, should be further activated in terms of the process of the ideal way of existence. This study is meaningful in that it substantially grasps that the role of landscape architects is expanding as the subject of urban regeneration projects, and presents the direction for its promotion. Participation and research should be continued.

Export Prediction Using Separated Learning Method and Recommendation of Potential Export Countries (분리학습 모델을 이용한 수출액 예측 및 수출 유망국가 추천)

  • Jang, Yeongjin;Won, Jongkwan;Lee, Chaerok
    • Journal of Intelligence and Information Systems
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    • v.28 no.1
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    • pp.69-88
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    • 2022
  • One of the characteristics of South Korea's economic structure is that it is highly dependent on exports. Thus, many businesses are closely related to the global economy and diplomatic situation. In addition, small and medium-sized enterprises(SMEs) specialized in exporting are struggling due to the spread of COVID-19. Therefore, this study aimed to develop a model to forecast exports for next year to support SMEs' export strategy and decision making. Also, this study proposed a strategy to recommend promising export countries of each item based on the forecasting model. We analyzed important variables used in previous studies such as country-specific, item-specific, and macro-economic variables and collected those variables to train our prediction model. Next, through the exploratory data analysis(EDA) it was found that exports, which is a target variable, have a highly skewed distribution. To deal with this issue and improve predictive performance, we suggest a separated learning method. In a separated learning method, the whole dataset is divided into homogeneous subgroups and a prediction algorithm is applied to each group. Thus, characteristics of each group can be more precisely trained using different input variables and algorithms. In this study, we divided the dataset into five subgroups based on the exports to decrease skewness of the target variable. After the separation, we found that each group has different characteristics in countries and goods. For example, In Group 1, most of the exporting countries are developing countries and the majority of exporting goods are low value products such as glass and prints. On the other hand, major exporting countries of South Korea such as China, USA, and Vietnam are included in Group 4 and Group 5 and most exporting goods in these groups are high value products. Then we used LightGBM(LGBM) and Exponential Moving Average(EMA) for prediction. Considering the characteristics of each group, models were built using LGBM for Group 1 to 4 and EMA for Group 5. To evaluate the performance of the model, we compare different model structures and algorithms. As a result, it was found that the separated learning model had best performance compared to other models. After the model was built, we also provided variable importance of each group using SHAP-value to add explainability of our model. Based on the prediction model, we proposed a second-stage recommendation strategy for potential export countries. In the first phase, BCG matrix was used to find Star and Question Mark markets that are expected to grow rapidly. In the second phase, we calculated scores for each country and recommendations were made according to ranking. Using this recommendation framework, potential export countries were selected and information about those countries for each item was presented. There are several implications of this study. First of all, most of the preceding studies have conducted research on the specific situation or country. However, this study use various variables and develops a machine learning model for a wide range of countries and items. Second, as to our knowledge, it is the first attempt to adopt a separated learning method for exports prediction. By separating the dataset into 5 homogeneous subgroups, we could enhance the predictive performance of the model. Also, more detailed explanation of models by group is provided using SHAP values. Lastly, this study has several practical implications. There are some platforms which serve trade information including KOTRA, but most of them are based on past data. Therefore, it is not easy for companies to predict future trends. By utilizing the model and recommendation strategy in this research, trade related services in each platform can be improved so that companies including SMEs can fully utilize the service when making strategies and decisions for exports.

A Comparative Study on Application of Material in Traditional Residents of Korea, China and Japan - Focusing on Representative Upper-class House - (한·중·일 전통주거의 재료적용 특성 비교 연구 - 각국 대표 상류주택을 중심으로 -)

  • Kim, Hwi Kyung;Choi, Kyung Ran
    • Korea Science and Art Forum
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    • v.19
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    • pp.293-305
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    • 2015
  • At the same time the unique cultural traits of each country are valued, it has become an essential element to establish the cultural identity of a country. This study is aimed at comparing the residence architectural cultures in East-Asia and thus identifying Korea's own unique traits by determining the application characteristics of traditional architectures of Korea, China and Japan through practical investigation of materials, a basic element of architectural shaping. Literature survey and field study were conducted in parallel for this study, and architectural buildings under investigation included Mucheomdang House in Korea, Prince Gong Mansion in China and Dokyudo Building in Japan. Construction materials in Korea, China and Japan include natural materials such as wood, stone and clay, and artificial materials such as metals, paper, roof tiles, plug and glass. and the buildings were constructed with the combination of these materials. This commonality can be often found in the architectural composition. However, in the interior composition, the choice and application of different materials were clear between three countries, which were shown to be different depending on climates, processing methods and living culture of each country. First of all, since each country selected materials under the influence of its own vegetation and climates, living environment of each country could be seen via its residence. Also, it could be seen that while Korea and Japan show a certain similarity such as the traits of standing-sitting culture and the finish of paper in the interior, China is clearly different. In particular, regarding the material processing, the artificial processing was minimized in Korea, which mainly gave rough and crude feelings while due to the use of straight timbers, the architectural representation with organized and refined feelings was made in Japan. China showed the highest percentage of artificial processing of materials among three countries, which was highly associated with the coloring culture of China. Also, it could be seen that technology related to fine architectural materials such as bricks and glass was greatly advanced in China. Thus, how immaterial elements such as natural characteristics, functionality and aesthetics were applied in relation to residence in Korea, Japan and China could be determined through the comparison of architectural materials.

A Study on the Types of Dispute and its Solution through the Analysis on the Disputes Case of Franchise (프랜차이즈 분쟁사례 분석을 통한 분쟁의 유형과 해결에 관한 연구)

  • Kim, Kyu Won;Lee, Jae Han;Lim, Hyun Cheol
    • The Korean Journal of Franchise Management
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    • v.2 no.1
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    • pp.173-199
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    • 2011
  • A franchisee has to depend on the overall system, such as knowhow and management support, from a franchisor in the franchise system and the two parties do not start with the same position in economic or information power because the franchisor controls or supports through selling or management styles. For this, unfair trades the franchisor's over controlling and limiting the franchisee might occur and other side effects by the people who give the franchisee scam trades has negatively influenced on the development of franchise industry and national economy. So, the purpose of this study is preventing unfair trade for the franchisee from understanding the causes and problems of dispute between the franchisor and the franchisee focused on the dispute cases submitted the Korea Fair Trade Mediation Agency and seeking ways to secure the transparency of recruitment process and justice of franchise management process. The results of the case analysis are followed; first, affiliation contracts should run on the franchisor's exact public information statement and the surely understanding of the franchisee. Secondly, the franchisor needs to use their past experiences and investigated data for recruiting franchisees. Thirdly, in the case of making a contract with the franchisee, the franchisor has to make sure the business area by checking it with franchisee in person. Fourthly, the contracts are important in affiliation contracts, so enacting the possibility of disputes makes the disputes decreased. Fifthly, lots of investigation and interests are needed for protecting rights and interests between the franchisor and franchisee and preventing the disputes by catching the cause and more practical solutions of the disputes from the government.