• Asia Marketing Journal
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• v.12 no.3
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• pp.43-62
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• 2010

The notion of customer orientation is now importantly considered in the context of banking industries. Despite customer-oriented organizational cultures, there are few studies addressing the relationship between customer orientation and its outcomes. In particular, this study aims at testing the effect of customer orientation as a key marketing effort designed by a bank. This is because interest rate sensitivity is critical for evaluating banking services after raising the base rate. In so doing, first, this study investigates the relationships among customer orientation, interest rate sensitivity, and customer loyalty. Second, this paper examines how the moderating effects of both deposit interest and loan interest rates influence the linkages of customer orientation-interest rate sensitivity and customer orientation-customer loyalty. To test the proposed model, research data are collected from 304 subjects who use banking services(e.g., Shin-Han, Kookmin, the First Bank, Hana, and Woori banks). Each construct was measured by published items and the psychometric properties of the three constructs, excluding two constructs of the moderators, were evaluated by employing the method of confirmatory factor analysis via the use of AMOS. The model fit was also evaluated using the CFI, TLI, and RMSEA fit indices that are recommended based on their relative stability and insensitivity to sample size. The findings show that the relationship between customer orientation and customer loyalty is significant, whereas the relationships between customer orientation and interest rate sensitivity and between interest rate sensitivity and customer loyalty are not supported. Although customer orientation is highly evaluated, customers' interest rate sensitivity that results in the comparison of interest rates plays an important role in reducing the effect of customer orientation. As a consequence, interest rate sensitivity does not influence customer loyalty. First of all, one of interesting results in this study is that the moderating effect of loan interest rate is quite different from deposit interest rate. In the case of deposit interest rate, the linkages both customer orientation-interest rate sensitivity and customer orientation-customer loyalty are insignificant. In the case of loan interest rate, however, the two proposed linkages are supported. As our proposed relationships are still in its infancy in the context of banking industry, our study contributes to enhance scholars' knowledge of bank services and provides insights for practitioners when their marketing strategies, particularly both deposit and interest rates, have to be established. Finally, this research also illuminates the need for further research that considers the influence of customer orientation on consumer's decision-making and bank profits. More specifically, the results are encouraging and will lead us to further investigate this key outcome of the banking deposit/interest rates.

• The Journal of Engineering Geology
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• v.4 no.3
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• pp.311-319
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• 1994

This paper presents a sensitivity analysis to obtain best fit of hydraulic parameters of leaky fractal aquifer. The sensitivity analysis uses the least squares method. The hydraulic parameters (generalized transmissivity and generalized storage coefficient) can be easily determined by the sensitivity analysis for various flow dimensions and different values of the leakage factor. Furthermore, the sensitivity analysis was applied to variable-rate pump tast at several abstraction wells, A computer program was developed to evaluate the hydraulic parameters by the sensitivity analysis.

• Journal of the Korean Society of Manufacturing Process Engineers
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• v.20 no.8
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• pp.11-17
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• 2021

This paper describes the time rate of change of dynamic response of a cantilever beam inserted with a damping element, such as bonding, which is excited under a general force at various locations. A sensitivity analysis was performed in a finite element model to show that two types of second-order algebraic governing equations were used to predict the rate of change of dynamic displacement: one is related to the modal coordinate linked to a physical coordinate, and the other to the design parameter of the time rate of change of displacement. The sensitivity differential equation formulation includes more complicated terms compared with that of the undamped cantilever beam. The sensitivities of the dynamic response were observed by changing the location of the excitation force, displacement extraction, and cross-sectional area of the beam. The analytical results obtained by this suggested theory showed a relatively good agreement when compared with those obtained using the commercial finite element program. The suggested analysis procedure enables the prediction of the response sensitivity for any finite element model of the dynamic system.

• Proceedings of the KSME Conference
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• 2004.11a
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• pp.377-382
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• 2004

The dynamic material characteristics on some mild steel sheets were observed. The dynamic tests were conducted on the ESH servo-hydraulic test machine. It was observed that the mechanical properties of mild steel are highly sensitive to the value of strain rate. The well known Cowper-Symonds constitutive equation was used to generalize the strain rate sensitivity effect. Modified constitutive equations were suggested to couple the strain hardening to the strain rate sensitivity. The dynamic stress-strain relationships for the mild steel sheets used in the present study were reasonably predicted using these modified constitutive equations.

• Fibers and Polymers
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• v.2 no.1
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• pp.140-143
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• 2001

To better understand the formation of necking in drawing processes of fibers, strain distributions during drawing processes have been analyzed. For simplicity, one-dimensional incompressible steady flow at a constant temperature was assumed and quasi-static model was used. To describe mechanical properties of solid polymers, non-linear visco-plastic material properties were assumed using the power law type hardening and rate-sensitive equation. The effects of various parameters on the neck formation were matematically analyzed. As material property parameters, strain-hardening parameter, visco-elastic coefficient and strain-rate sensitivity were considered and, for process parameters, the drawing ratio and the process length were considered. It was found that rate-insensitive materials do not reach a steady flow state and the rate-sensitivity plays a key role to have a steady flow. Also, the neck formation is mainly affected by material properties, especially for the quasi-static model. If the process length changes, the strain distribution was found to be proportionally re-distributed along the process line by the factor of the total length change.

• Journal of Biosystems Engineering
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• v.21 no.2
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• pp.155-166
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• 1996

A direct injection sprayer was designed using the concepts of injection mixing and total flow control, flowrate-based system compensating for the variation of forwarding speed. A metered rate, proportionally to the actual diluent flow rate, of a tracer chemical was injected directly into the diluent stream. The injection of chemical may improve the precision and safety of chemical application process. The control system was evaluated for the variables of the control interval, tolerances and sensitivities of flow regulation valve and injection pump. Performance of the system was assessed as that the response time of flow rate, response time of injection rate, absolute steady state error, and the coefficient of variance(C.V.) of concentration were 8.5 and -0.53 seconds, 0.067 lpm(0.8%) and 3.15%, respectively, at optimal parameters of control interval of 1.0 sec, fast sensitivity of flow regulation valve, medium sensitivity of injection pump and medium tolerance of flow rate. Performance of the system can be improved by increasing the sensitivity of flow regulating valve and employing a high resolution velocimeter, such as Doppler radar.

• Journal of the Korean Society for Precision Engineering
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• v.20 no.6
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• pp.37-46
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• 2003

This paper is to predict quality deterioration resulting from a caulking process of yoke which is a part of automotive steering system. The caluking is a plastic deformation process involving such as impact of high speed tool, contacts between part and fixtures and strain rate sensitivity of the part material. Elaborate application of finite element method is neccesary to calculate changes of part dimensions because they fall into a level of tolerances. Simple work hardening and strain rate sensitive model is proposed fur the material and applied for the simulation by using Abaqus which is able to cater for elastoplastic rate sensitive material and contacts. Numerical results of test models that represent tensile bar and tensile plate are compared with material data inputs. Dimensional changes for the yoke are calculated from simulations and compared to the mesurements and they show good agreement. The method presented here with the material model proved to be valuable to assess quality deterioration for similar metal forming processes.

• Corrosion Science and Technology
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• v.8 no.5
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• pp.193-196
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• 2009

For the estimation of uncertainty in potentiodynamic polarization resistance measurement, the type A uncertainty was measured using type 316 stainless steel in an acidified NaCl solution. Sensitivity coefficients were determined for measurand such as scan rate of potential, temperature of solution, concentration of NaCl, concentration of HCl, surface roughness of specimen and flow rate of purging gas. Sensitivity coefficients were large for the measurand such as the scan rate of potential, temperature of solution and roughness of specimen. However, the sensitivity coefficients were not the major factors influencing the combined standard uncertainty of polarization resistance due to the low values of uncertainty in measurements of the measurands. A major influencing factor was the concentration of NaCl. The value of type A uncertainty was 1.1 times the value of type B uncertainty, and the combined standard uncertainty was 10.5 % of the average value of polarization resistance.

• Structural Monitoring and Maintenance
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• v.3 no.4
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• pp.335-347
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• 2016

One of major errors in flow rate measurement for two-phase flow using an Electrical Capacitance Sensor (ECS) concerns sensor sensitivity under temperature raise. The thermal effect on electrical capacitance sensor (ECS) system for air-water two-phase flow monitoring include sensor sensitivity, capacitance measurements, capacitance change and node potential distribution is reported in this paper. The rules of 12-electrode sensor parameters such as capacitance, capacitance change, and change rate of capacitance and sensitivity map the basis of Air-water two-phase flow permittivity distribution and temperature raise are discussed by ANSYS and MATLAB, which are combined to simulate sensor characteristic. The cross-sectional void fraction as a function of temperature is determined from the scripting capabilities in ANSYS simulation. The results show that the temperature raise had a detrimental effect on the electrodes sensitivity and sensitive domain of electrodes. The FE results are in excellent agreement with an experimental result available in the literature, thus validating the accuracy and reliability of the proposed flow rate measurement system.

• Asian Pacific Journal of Cancer Prevention
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• v.13 no.2
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• pp.689-692
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• 2012

Objective: To investigate correlations between adenosine triphosphate chemotherapy response assay (ATP-CRA) and clinical outcomes after ATP-CRA-based chemotherapy for drug selection in patients receiving intravesical chemotherapy to prevent recurrence of superficial bladder cancer after surgery. Methods: The chemosensitivities of 12 anticancer drugs were evaluated, including 5-Fu ADM, and EPI, using ATP-CRA and primary tumor cell culture in 54 patients. In addition, a further 58 patients were treated according to clinical experience. Differences in post-chemotherapeutical effects between drug sensitivity assay and experience groups were compared. Results: The evaluable rate of the test was 96.3%, the clinical effective rate was 80.8%, the sensitivity rate was 97.6% (41/42), the specificity was 20%, the total predicting accuracy was 74.3%, the positive predictive value was 83.7% (41/49), the negative predictive value was 66.7% (2/3); in the drug sensitivity test group, the clinical effective rate was 80.8%, the experience group response rate was 63.8%, with a significant difference in clinical effects between the ATP-based sensitivity and experience groups (${\chi}^2$=7.0153, P<0.01). Conclusion: ATP-CRA is a stable, accurate and potentially practical chemosensitivity test providing a predictor of chemotherapeutic response in patients with superficial bladder cancer.