• KSCE Journal of Civil and Environmental Engineering Research
• /
• v.42 no.6
• /
• pp.869-877
• /
• 2022

This study aims to analyze the factors affecting the re-subscription period upon initial termination of the reverse mortgage subscription. The study utilized the Korea Housing Finance Corporation's database to extract the information regarding re-subscribers of the reverse mortgage from July 2007 to June 2021. The ordered logit model was employed and found that a set of user (subscriber) characteristics are influential towards the re-subscription period. Among the individual characteristics, changes in age group, marital status from married to single-living, maintaining single-living, and the initial subscription period were found statistically significant, highlighting that the increase in the initial subscription period decreased the re-subscription period. Among the housing (home equity) characteristics, changes in housing price and ownership type (single and partial ownership) were statistically significant, indicating that the change in ownership type decreases the re-subscription period. Lastly, the variables related to loan terms were found significant, revealing that changes in payout method and schedule were both increasing factors of the re-subscription period. Based on the findings, necessary policy implications can be considered to secure the returning subscribers of the reverse mortgage effectively.

• Journal of Korea Society of Industrial Information Systems
• /
• v.27 no.6
• /
• pp.13-23
• /
• 2022

In this paper, we propose a detailed component image classification algorithm by fashion item for unstructured data retrieval in the fashion field. Due to the COVID-19 environment, AI-based online shopping malls are increasing recently. However, there is a limit to accurate unstructured data search with existing keyword search and personalized style recommendations based on user surfing behavior. In this study, pre-processing using Mask R-CNN was conducted using images crawled from online shopping sites and then classified components for each fashion item through CNN. We obtain the accuaracy for collar of the shirt's as 93.28%, the pattern of the shirt as 98.10%, the 3 classese fit of the jeans as 91.73%, And, we further obtained one for the 4 classes fit of jeans as 81.59% and the color of the jeans as 93.91%. At the results for the decorated items, we also obtained the accuract of the washing of the jeans as 91.20% and the demage of jeans accuaracy as 92.96%.

• Journal of Internet Computing and Services
• /
• v.23 no.1
• /
• pp.31-38
• /
• 2022

An electrocardiogram(ECG) is a recoding of electrical signals of the heart's cyclic activity and an important body information for diagnosing myocardial rhythm. Large amount of information are generated continuously and a significant period of cumulative signal is required for the purpose of diagnosing a specific disease. Therefore, research on compression including clinically acceptable lossy technique has been developed to reduce the amount of information significantly. Recently, wearable smart heart monitoring devices that can transmit electrocardiogram(ECG) are being developed. The use of electrocardiogram, an important personal information for healthcare service, is rapidly increasing. However, devices generally have limited capability and power consumption for user convenience, and it is often difficult to apply the existing compression method directly. It is essential to develop techniques that can process and transmit a large volume of signals in limited resources. A method for compressing and transmitting the ECG signals efficiently by using the cumulative average (template) of the unit waveform is proposed in the paper. The ECG is coded lovelessly using template matching. It is analyzed that the proposed method is superior to the existing compression methods at high compression ratio, and its complexity is not relatively high. And it is also possible to apply compression methods to template matching values.

• Knowledge Management Research
• /
• v.23 no.3
• /
• pp.259-284
• /
• 2022

In order to help the understanding of web novel users, this study was intended to quantitatively verify the user's behavioral types according to the characteristics of web novels. For this purpose, the direction of the study proceeded as follows. First, the motives of web novel users were investigated by referring to the motives of other digital content users. In addition, specific behavioral types of users were also collected. As a result, the motivation for using web novels was found to be 'interpersonal relationships and information acquisition with others', 'leisure activities', and 'escape from reality/relieve tension'. After that, the groups were classified as to whether there was a difference between groups according to the motives of use. As a result, the 'hobbies' type, a group with a particularly high motivation for using leisure activities, the 'stress relief' type, a group with very high escapism and tension relief characteristics, and a group with high interpersonal relationships and information acquisition with others The 'communication' type was classified as a 'multipurpose' type with high overall motivation characteristics. Then, in order to find out the specific characteristics between the types, personas were constructed based on the different behavior type data. Through this, the theoretical contribution of this study is meaningful in that it revealed the motives of web novel users. As a practical contribution, the persona was formed by combining the users' motives and behavioral patterns and visualized to be close to the actual representative users. These results are expected to help improve the web novel service by providing useful indicators for actual writers, platform managers, and users.

• Journal of Intelligence and Information Systems
• /
• v.28 no.4
• /
• pp.365-385
• /
• 2022

The easy payment service is a payment and remittance service that uses a simple authentication method. As online transactions have increased due to COVID-19, the use of an easy payment service is increasing. At the same time, electronic financial industries such as Naver Pay, Kakao Pay, and Toss are diversifying the competition structure of the easy payment market; meanwhile overseas fintech companies PayPal and Alibaba have a unique market share in their own countries, while competition is intensifying in the domestic easy payment market, as there is no unique market share. In this study, the participants in the easy payment market were classified as electronic financial companies, mobile phone manufacturers, and financial companies, and a SWOT analysis was conducted on the representative services in each industry. The analysis examined the user reviews of Google Play Store via a topic modeling analysis, and it employed positive topics as strengths and negative topics as weaknesses. In addition, topic modeling was conducted by dividing news articles into political, economic, social, and technology (PEST) articles to derive the opportunities and threats to easy payment services. Through this research, we intend to confirm the service capabilities of easy payment companies and propose a service activation strategy that allows gaining the upper hand in the market.

• Journal of the Korea Convergence Society
• /
• v.12 no.11
• /
• pp.221-228
• /
• 2021

This study was conducted to improve the convenience of design of mobile VR devices use in a way binds smart phones. Research on traditional mobile VR devices is insufficient. So the first survey was conducted on users 100 to understand the current status and status of mobile VR devices. As a result, it was found that the satisfaction with the convenience of use was significantly lowered, and countermeasures were needed. Then, a second survey of 30 Heavy Users was conducted to find out specific usability and problems of mobile VR devices. Through this, problems, ease of use, and other opinions of mobile VR devices were found. The survey results were analyzed through the Descriptive Statistics Act, and it was found that improvement was urgent due to low satisfaction with wearing and network. In-depth interviews were conducted with the same respondents. As with the problems derived first, problems such as wearing satisfaction, excessive head weight for long-term use, and lack of content could be found. Based on the previous studies, the focus group interview consisting of 6 experts derived the ease of use evaluation element. It consists of elements that can satisfy the convenience of use of mobile VR devices for creation, wearing satisfaction, network, morphology, learning, and spatiality, and has a total of 26. Using this evaluation elements, it is intended to provide better ease of use to users who will use the mobile VR device.

• Asia-Pacific Journal of Business Venturing and Entrepreneurship
• /
• v.16 no.6
• /
• pp.287-297
• /
• 2021

The goal of this study is to investigate and provide information to the Fintech Industry on the main factors responsible for customer loyalty via the mediating effect of customer satisfaction. Secondly, providing traditional banking reasons for customer shifts from banking to Fintech, therefore these factors could be more focused. The consumer choices presented in this study can thus serve as a foundation for further research into post-adoption behaviors associated with Fintech for cross-border payments. This study examines consumer evaluations of how key attributes of fintech using mobile payment services affect their choice by using a conjoint analysis approach, which allows for the approximation of user preferences for specific features. In our study we have used SPSS 26 to test the reliability and mediation effect on the sample size of 348 people who regularly used Fintech for cross border payments. All the questionnaires were prepared if the customers were given fintech as an option instead of traditional banks to send their remittances abroad. The result shows that(Service Quality, Customer's trust and product quality) effecting customer satisfaction significantly would be very helpful for the current fintechs working for home remittances to improve these factors and would serve as a benchmark for the upcoming fintech startups and traditional banks to focus on these factors and catch up the fintech Industry. Finally, it is argued that, in order to be successful, focusing on service quality, customer trust, and product quality triggered customer loyalty for the Fintech in comparison to other traditional options for cross-border payments via the mediation effect of customer satisfaction.

• The Journal of The Korea Institute of Intelligent Transport Systems
• /
• v.21 no.3
• /
• pp.30-41
• /
• 2022

With the advent of autonomous driving, personal mobility, drones, and smart roads, it is necessary to respond to changes in the road traffic environment in the road guidance system. However, the use of road signs to guide the road is decreasing compared to the past due to the advent of devices such as navigation and smartphones. Therefore, in this study, a large-scale survey was conducted to derive road sign issues and usage plans to respond to future changes. Based on this, this study presented a strategy to diversify road sign functions by analyzing the factors affecting the use of road signs by citizens. As a result, first, it is necessary to provide real-time variable road guidance information that reflects user needs such as traffic, weather, and local events. Second, it is necessary to informatize digital road signs such as reflecting maps with precision. Third, it is necessary to demonstrate road guidance in a virtual environment that reflects various future mobility and road environments.

• The Journal of the Institute of Internet, Broadcasting and Communication
• /
• v.23 no.2
• /
• pp.169-174
• /
• 2023

Currently, overall power usage is also increasing as power demand such as homes, offices, and factories increases. The increase in power use also raised interest in standby power as a change in awareness of energy saving appeared. Home and office devices are consuming power even in standby conditions. Accordingly, there is a growing need to reduce standby power, and it aims to have standby power of 1W or less. An intelligent outlet uses a near-field wireless network to connect to a home network and cut or reduce standby power of a lamp or appliance connected to an outlet. This research aims to develop a monitoring system and an intelligent outlet that can remotely monitor the amount of electricity used in a lighting lamp or a home appliance connected to an outlet using a short-range wireless network (Zigbee). Also, The intelligent outlet and monitoring system developed makes it possible for a user to easily cut off standby power by using a portable device. Intelligent outlets will not only reduce standby power but also be applicable to fire prevention systems. Devices that cut off standby power include intelligent outlets and standby power cutoff switches, so they will prevent short circuits and fires.

• Journal of Service Research and Studies
• /
• v.10 no.4
• /
• pp.57-70
• /
• 2020

Globally, cloud service is a core infrastructure that improves industrial productivity and accelerates innovation through convergence and integration with various industries, and it is expected to continuously expand the market size and spread to all industries. In particular, due to the global pandemic caused by COVID-19, the introduction of cloud services was an opportunity to be recognized as a core infrastructure to cope with the untact era. However, it is still at the preliminary stage for market expansion of cloud service in Korea. This paper aims to empirically analyze how cloud services can be accepted by users by each industry through extended Technology Acceptance Model(TAM), and what factors influence the acceptance and avoidance of cloud services to users. For this purpose, the impact and factors on the acceptance intention of cloud services were analyzed through the hypothesis test through the proposed extended technology acceptance model. The industrial sector selected four industrial sectors of education, finance, manufacturing and health care and derived factors by examining the parameters of TAM, key characteristics of the cloud and other factors. As a result of the empirical analysis, differences were found in the factors that influence the intention to accept cloud services for each of the four industry sectors, which means that there is a difference in perception of the introduction or use of cloud services by industry sector. Eventually it is expected that this study will not only help to understand the intention of using cloud services by industry, but also help cloud service providers expand and provide cloud services to each industry.