• KSII Transactions on Internet and Information Systems (TIIS)
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• 제10권2호
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• pp.684-702
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• 2016

The changes new technologies have brought to banking over the past decade are enormous in their impact on the ways of doing business and providing customer services, most notably in the areas of customer service channels. Banks have been trying to move away from the traditional, branch-based and costly staff-assisted channels toward self-assisted channels, i.e. internet banking and mobile banking, to drive down costs and improve customer loyalty. How internet and mobile have reshaped the user experience of banking service channel? To provide valuable insights for this question, this research investigates and compares customer's channel choice behavior and profit changes from bank's branch closure. Applying the propensity scoring matching method, the results of analysis demonstrates that the mobile channel can be a realistic alternative to conventional branches. Also, the reserch result shows banks can reduce conventional branches while experiencing a positive implications on their profits from the customers. Another significant implication from the research is, to accelerate the shift to digital channels, banks need to put more efforts on developing functions in the mobile channel that will allow friendly interaction with customers and consultation, such as video consultation, interactive chat, and location-based product recommendation.

• 벤처창업연구
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• 제18권6호
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• pp.147-157
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• 2023

최근 벤처기업 육성을 위한 제2벤처 붐 확산 등에 힘입어 전문투자자 뿐만 아니라 일반 개인까지 스타트업 시장에 대한 관심이 증가하고 있다. 이와 같은 투자자 다변화에 따라 최근 엔젤투자자를 대상으로 다양한 연구가 진행되고 있으나 그들의 투자기업 선정 시 어떠한 요인을 고려하는지에 대해서는 주로 설문조사를 기반으로 연구가 이루어진 상황이다. 따라서 엔젤투자자가 실제로 투자한 기업내역을 토대로 그들이 어떠한 기업특성을 고려하는지에 대해 보다 엄정하게 고찰할 필요가 있다. 본 연구는 첫쨰, 엔젤투자자의 투자결정에 있어 어떠한 재무적 특성이 영향을 미치는지를 분석하였다. 둘째, 스타트업의 업력을 기준으로 창업 초기 또는 창업 중기단계 이후의 기업을 구분한 후 세부적인 분석을 수행하였다. 본 연구의 주요 분석결과를 요약하면 다음과 같다. 첫째, 엔젤투자자의 투자기업 선정에 있어 수익성이나 안정성보다는 순이익증가율이나 자산증가율과 같은 성장성 측면이 중요한 요인으로 작용하였다. 또한, 무형자산과 R&D 비중이 높을수록 투자기업을 선택할 가능성이 높은 것으로 확인된다. 둘째, 엔젤투자자의 투자기업 선정을 위한 재무적 요인에 있어 업력이 3년을 초과하여 본격적으로 창업 중기단계에 진입한 기업에서는 성장성 뿐만 아니라 활동성 측면도 투자결정에 영향을 미치는 것으로 나타났다. 종합하면, 엔젤투자자의 투자의사 결정은 기 실현된 수익성 보다는 스타트업의 성장세나 향후 성장 가능성에 중점을 두고 행해지는 것으로 판단된다. 또한, 창업 중기 이후의 기업은 성장성과 함께 실질적인 성과창출 가능성도 중요한 투자결정 요인인 것으로 추론해 볼 수 있다. 본 연구는 엔젤투자자가 실제로 투자한 내역을 기초로 다양한 스타트업의 재무적 특성을 고려하여 그들의 투자결정에 어떠한 측면이 중요하게 작용하는지를 실증적으로 규명하였다는 점에서 연구의 의의가 있다.

• Journal of Gastric Cancer
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• 제18권1호
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• pp.58-68
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• 2018

Purpose: Generally, adjuvant chemotherapy (AC) should be initiated as soon as possible after surgery to eradicate microscopic cancer cells. In this study, we investigated the effect of early AC on the survival of stage II/III gastric cancer patients. Materials and Methods: Four hundred sixty patients who received AC (S-1 or XELOX) for pathologic stage II/III gastric cancer at Seoul National University Bundang Hospital between January 2008 and December 2014 were included. Patients were divided into 2 groups: early AC administration (within 4 weeks) and late AC administration (more than 4 weeks). Patients in the early AC group (n=174) were matched 1:1 with patients in the late AC group (n=174) by propensity scoring to adjust for clinical differences. Three-year relapse-free survival (RFS) was evaluated according to the timing of AC. Results: Three-year RFS was 98.1% in stage IIA (n=109), 85.0% in stage IIB (n=83), 87.4% in stage IIIA (n=96), 83.5% in stage IIIB (n=91), and 62.5% in stage IIIC (n=81). After propensity score matching, RFS was similar between early and late AC groups (hazard ratio [HR],1.04; 95% confidence interval [CI], 0.62-1.74; P=0.889). Pathologic stage and histological type were independent prognostic factors of RFS (HR, 2.05; 95% CI, 1.06-3.96; P=0.033 and HR, 2.61; 95% CI, 1.42-4.80; P=0.002, respectively). Conclusions: Early initiation of AC within 4 weeks does not affect survival rates in stage II/III gastric cancer.

• Journal of Trauma and Injury
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• 제32권1호
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• pp.40-46
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• 2019

Purpose: We perform an analysis of infection risk factors for fracture patients and confirm that the risk factors reported in previous studies increase the risk of actual infection among fractured patients. In addition, injury severity score (ISS) which is used as an evaluation tool for morbidity of trauma patients, confirms whether there is a relationship with infection after orthopedic fracture surgery. Methods: We retrospectively reviewed 1,818 patients who underwent fixation surgery at orthopedic trauma team, focused trauma center from January 1, 2015 to December 31, 2017. Thirty-five patients were infected after fracture surgery. We analyzed age, sex, open fracture criteria based on Gustilo-Aderson classification 3b, anatomical location (upper extremity or lower extremity) of fracture, diabetes, smoking, ISS. Results: Of 1,818 patients, 35 (1.9%) were diagnosed with postoperative infection. Of the 35 infected patients, nine (25.7%) were female and five (14.0%) were upper extremity fractures. Three (8.6%) were diagnosed with diabetes and eight (22.8%) were smokers. Thirteen (37.1%) had ISS less than nine points and six (17.1%) had ISS 15 points or more. Of 1,818 patients, 80 had open fractures. Surgical site infection were diagnosed in 12 (15.0%) of 80. And nine of 12 were checked with Gustilo-Aderson classification 3b or more. Linear logistic regression analysis was performed using statistical analysis program Stata 15 (Stata Corporation, College Station, TX, USA). In addition, independent variables were logistic regression analyzed individually after Propensity scores matching. In all statistical analyzes, only open fracture was identified as a risk factor. Conclusions: The risk factors for infection in fracture patients were found to be significantly influenced by open fracture rather than the underlying disease or anatomical feature of the patient. In the case of ISS, it is considered that there is a limitation. It is necessary to develop a new scoring system that can appropriately approach the morbidity of fracture trauma patients.