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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.

Analysis of Reinforcement Effect of Hollow Modular Concrete Block on Sand by Laboratory Model Tests (실내모형실험을 통한 모래지반에서의 중공블록 보강효과 분석)

  • Lee, Chul-Hee;Shin, Eun-Chul;Yang, Tae-Chul
    • Journal of the Korean Geotechnical Society
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    • v.38 no.7
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    • pp.49-62
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    • 2022
  • The hollow modular concrete block reinforced foundation method is one of the ground reinforcement foundation methods that uses hexagonal honeycomb-shaped concrete blocks with mixed crushed rock to reinforce soft grounds. It then forms an artificial layered ground that increases bearing capacity and reduces settlement. The hollow modular honeycomb-shaped concrete block is a geometrically economical, stable structure that distributes forces in a balanced way. However, the behavioral characteristics of hollow modular concrete block reinforced foundations are not yet fully understood. In this study, a bearing capacity test is performed to analyze the reinforcement effectiveness of the hollow modular concrete block through the laboratory model tests. From the load-settlement curve, punching shear failure occurs under the unfilled sand condition (A-1-N). However, the filled sand condition (A-1-F) shows a linear curve without yielding, confirming the reinforcement effect is three times higher than that of unreinforced ground. The bearing capacity equation is proposed for the parts that have contact pressure under concrete, vertical stress of hollow blocks, and the inner skin friction force from horizontal stress by confining effect based on the schematic diagram of confining effect inside a hollow modular concrete block. As a result of calculating the bearing capacity, the percentage of load distribution for contact force on the area of concrete is about 65%, vertical force on the area of hollow is 16.5% and inner skin friction force of area of the inner wall is about 18.5%. When the surcharge load is applied to the concrete part, the vertical stress occurs on the area of the hollow part by confining effect first. Then, in the filled sand in the hollow where the horizontal direction is constrained, the inner skin friction force occurs by the horizontal stress on the inner wall of the hollow modular concrete block. The inner skin friction force suppresses the punching of the concrete part and reduces contact pressure.

Basic Study to Establish Marine Activity Criteria Based on the Seakeeping Performance of Less Than 10-tons Fishing Vessels(I) (내항성능 기반 10톤 미만 어선의 해양활동 기준 마련 기초 연구(I))

  • Choi, Gwang-Young;Song, Chae-Uk;Park, Young-Soo;Park, Jun-Bum
    • Journal of the Korean Society of Marine Environment & Safety
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    • v.28 no.6
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    • pp.965-972
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    • 2022
  • This is a basic study to establish marine activity criteria based on the seakeeping performance of less than 10-tons fishing vessels. These vessels account for approximately 95% of Korea's currently registered fishing vessels, and accidents and loss of life are also occurring during marine activities such as navigation, and fishing. Accordingly, the Ministry of Oceans and Fisheries has set a regulation of vessel traf ic control to restrict the operation of fishing vessels when the high seas watch takes effect, but it is applied equally without criteria according to the ship ton level and wave height; therefore, many differences may exist in ship fluctuations. Because the fluctuation of the ship owing to the wave height can be a factor in marine accidents by reducing the sense of boarding and performance of equipment, the seakeeping performance must be reviewed during waves to secure safe marine activities such as navigation and fishing. However, the review for the fishing vessel of established marine activity criteria based on the seakeeping performance is insufficient. Accordingly, the seakeeping performance was evaluated for a 10-ton class (G/T 9.77 tons) fishing vessel in Korea, and the level of marine activity according to the significant wave height and ship speed was interpreted by applying the operation and survival of the established seakeeping performance criteria. The analysis results indicated that the roll of the ship exceeded the operation criteria from 0.4m and the survival criteria from 2.2m. The pitch of the ship exceeded the operation criteria from 1.7m and did not exceed the survival criteria until 3.0m. However, the rolling exceeding the survival criteria from 2.2m may not be safe. Therefore, fishing vessels with less than 10-tons can leave before the high seas watch takes effect. However, they did not satisfy the criteria for evaluating the performance of the sea in relation to marine activities. Although this study was limitedly evaluated for 10-ton fishing vessels, it is expected to be of great help in preparing marine activity criteria.

Development of a water quality prediction model for mineral springs in the metropolitan area using machine learning (머신러닝을 활용한 수도권 약수터 수질 예측 모델 개발)

  • Yeong-Woo Lim;Ji-Yeon Eom;Kee-Young Kwahk
    • Journal of Intelligence and Information Systems
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    • v.29 no.1
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    • pp.307-325
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    • 2023
  • Due to the prolonged COVID-19 pandemic, the frequency of people who are tired of living indoors visiting nearby mountains and national parks to relieve depression and lethargy has exploded. There is a place where thousands of people who came out of nature stop walking and breathe and rest, that is the mineral spring. Even in mountains or national parks, there are about 600 mineral springs that can be found occasionally in neighboring parks or trails in the metropolitan area. However, due to irregular and manual water quality tests, people drink mineral water without knowing the test results in real time. Therefore, in this study, we intend to develop a model that can predict the quality of the spring water in real time by exploring the factors affecting the quality of the spring water and collecting data scattered in various places. After limiting the regions to Seoul and Gyeonggi-do due to the limitations of data collection, we obtained data on water quality tests from 2015 to 2020 for about 300 mineral springs in 18 cities where data management is well performed. A total of 10 factors were finally selected after two rounds of review among various factors that are considered to affect the suitability of the mineral spring water quality. Using AutoML, an automated machine learning technology that has recently been attracting attention, we derived the top 5 models based on prediction performance among about 20 machine learning methods. Among them, the catboost model has the highest performance with a prediction classification accuracy of 75.26%. In addition, as a result of examining the absolute influence of the variables used in the analysis through the SHAP method on the prediction, the most important factor was whether or not a water quality test was judged nonconforming in the previous water quality test. It was confirmed that the temperature on the day of the inspection and the altitude of the mineral spring had an influence on whether the water quality was unsuitable.

Developmental and Reproductive Characteristics of Mythimna loreyi (Noctuidae) Reared on Artificial Diets (인공사료로 사육한 뒷흰가는줄무늬밤나방(Mythimna loreyi ) (밤나방과)의 발육과 생식 특성)

  • Eun Young, Kim;I Hyeon, Kim;Jin Kyo, Jung
    • Korean journal of applied entomology
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    • v.61 no.3
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    • pp.423-434
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    • 2022
  • The two previously developed artificial diets (N4 and N6) used for rearing Spodoptera frugiperda (Noctuidae) larvae, were selected as highly-fit ones for rearing Mythimna loreyi larvae. Almost all biological characteristics were not significantly different between the colonies reared on the two diets at 25℃ and 15:9 h (light:dark) photoperiod. The developmental periods were 4.9-5.2 days for eggs, and 22.3-23.2 days for larvae. The pupal period and weight were different between the sexes in each diet colony. The pupal periods in females and males showed 12.6-12.8 days and 14.1-14.5 days, respectively. The pupal weights were ca. 345 mg for females and ca. 380 mg for males. The pupation and emergence rates were ca. 91-94%, and ca. 91-95%, respectively, without significant differences between the two colonies. The pre-oviposition and oviposition periods were 3.4 days and 4.7-4.8 days, respectively. The adult longevity was 8.2 days in females and 10.3-12.4 days in males. Total offsprings produced were found to be 724-847 larvae on an average with ca. 1,400 maximum larvae. In the life table analysis, the intrinsic rates of increases (0.1181 for N4 and 0.1253 for N6) were not significantly different between the two colonies. Individual differences in the larval instar number 5 and 6 were found within a diet colony. The ratios of 5-instar larvae were ca. 22% in N4 colony and ca. 7% in N6 colony. The larval period of 6-instar larvae was longer than that of 5-instar larvae. Width of head capsule in larvae varied from ca. 309 ㎛ for 1st instar to ca. 3,065 ㎛ for 6th instar. Body lengths measured from ca. 2.0 mm for 1st instar to ca. 29.1 mm for 6th instar. Larvae of M. loreyi and M. separata were found at the same time in a maize field during June and July, 2020.

Modeling the Effects of Forest Management Scenarios on Aboveground Biomass and Wood Production: A Study in Mt. Gariwang, South Korea (산림경영활동에 따른 수종별 지상부생물량 및 목재생산량 변화 모델링: 가리왕산 모델숲을 대상으로)

  • Wonhee Cho;Wontaek Lim;Won Il Choi;Hee Moon Yang;Dongwook W. Ko
    • Journal of Korean Society of Forest Science
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    • v.112 no.2
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    • pp.173-187
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    • 2023
  • The forest protection policies implemented in South Korea have resulted in the significant accumulation of forest. Moreover, the associated public interest has also been closely evaluated. As forests mature, there arises a need for forest management (FM) practices, such as thinning and harvesting. It is therefore essential to perform a scientific analysis of the long-term effects of FM. In this study, conducted in Mt. Gariwang, the effect of FM on forest succession and wood production (WP) were evaluated based on changes in aboveground biomass (AGB) using the LANDIS-II model. The FM consists of three scenarios (Selection, Shelterwood, and Two-stories), characterized based on the harvest intensity, frequency, and period. The model was applied to changes in the forest over 200 years. All scenarios show that the total AGB decreased immediately after thinning and harvesting. However, AGB recovery time differed among scenarios, with recovery to preharvest level occurring from 15 to 50 years after harvest; further, after 200 years, harvested forests had a greater total AGB than forests without FMs In particular, the changes in AGB of each species was different depending on its shade tolerance. The AGB of currently dominant shade-intolerant and mid-tolerant species decreased dramatically after harvesting. However, shade-tolerant species, dominant in the understory, continued to grow but were not harvested due to their small size. The cumulative WP for each scenario was estimated at 545.6, 141.6, and 299.9 tons/ha in Selection, Shelterwood, and Two-stories, respectively. The composition of WP differed according to harvest intensity and period. Most WP originated from shade-intolerant and mid-tolerant species in the early period. Later, most WP was from shade-tolerant species, which became dominant. The modeling approach used in this study is capable of analyzing the long-term effects of FM on changes in forests and WP. This study can contribute to decision making to guide FM methods for a variety of purposes, including WP and controlling forest composition and structure.

Comparative Analysis of Growth, Yield, and Grain Quality of Hulled Barley Grown Under Different Meteorological Conditions in South Korea (기후분포가 다른 재배지에서 생장한 겉보리 생육, 수량 및 품질 비교)

  • Hyun-Hwa Park;Hyo-Jin Lee;Ye-Guon Kim;Dea-Wook Kim;Yong-In Kuk
    • KOREAN JOURNAL OF CROP SCIENCE
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    • v.68 no.2
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    • pp.69-80
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    • 2023
  • This study investigated the differences in barley growth at different growth stages (Dec, Feb, and Apr) and the yield at harvest in three groups (G1, G2, and G3) with different climates. Additionally, we measured meteorological differences between areas during the growing season to determine which factors were related to growth and yield differences. We evaluated the chemical composition of soil and the mineral content in leaves during the heading stages. We also recorded the main constituents, amino acids, and mineral compositions of barley seeds grown in different areas. Tiller number/m2 in G1 areas was higher than in G2 and G3 when measured before and after overwintering. However, tiller number/m2 and dry aboveground plant parts/m2 in G2 and G3 areas were higher than in G1. Regrowth, panicle formation, and heading days in G2 areas occurred slightly later than in G1 and G3. However, there was no difference in chlorophyll content (SPAD value) between groups. The yield in G1 areas was 9~15% less than in G1 and G3. The decrease in yield in G2 areas could be due to lower panicle number, spikelet number, and ripening rate. In addition, the decrease in yield in G2 areas is likely because maximum, minimum, and average daily temperatures during the growing season were lower than those in G1 and G3. However, mineral nutrients in the soil were higher in the G2 area than in G1 and G3. The overall mineral content in plants tended to be higher in G1 areas than in G2 and G3. Mineral content such as Cu, K, Mg, and P in G3 areas and crude protein and most amino acids in G2 areas tended to be relatively low compared to other areas. Thus, the G1 area may be suitable for barley cultivation without adverse impacts on barley yield, main constituents, amino acids, and mineral contents compared to the main producing areas in G3.

Overcoming taxonomic challenges in DNA barcoding for improvement of identification and preservation of clariid catfish species

  • Piangjai Chalermwong;Thitipong Panthum;Pish Wattanadilokcahtkun;Nattakan Ariyaraphong;Thanyapat Thong;Phanitada Srikampa;Worapong Singchat;Syed Farhan Ahmad;Kantika Noito;Ryan Rasoarahona;Artem Lisachov;Hina Ali;Ekaphan Kraichak;Narongrit Muangmai;Satid Chatchaiphan6;Kednapat Sriphairoj;Sittichai Hatachote;Aingorn Chaiyes;Chatchawan Jantasuriyarat;Visarut Chailertlit;Warong Suksavate;Jumaporn Sonongbua;Witsanu Srimai;Sunchai Payungporn;Kyudong Han;Agostinho Antunes;Prapansak Srisapoome;Akihiko Koga;Prateep Duengkae;Yoichi Matsuda;Uthairat Na-Nakorn;Kornsorn Srikulnath
    • Genomics & Informatics
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    • v.21 no.3
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    • pp.39.1-39.15
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    • 2023
  • DNA barcoding without assessing reliability and validity causes taxonomic errors of species identification, which is responsible for disruptions of their conservation and aquaculture industry. Although DNA barcoding facilitates molecular identification and phylogenetic analysis of species, its availability in clariid catfish lineage remains uncertain. In this study, DNA barcoding was developed and validated for clariid catfish. 2,970 barcode sequences from mitochondrial cytochrome c oxidase I (COI) and cytochrome b (Cytb) genes and D-loop sequences were analyzed for 37 clariid catfish species. The highest intraspecific nearest neighbor distances were 85.47%, 98.03%, and 89.10% for COI, Cytb, and D-loop sequences, respectively. This suggests that the Cytb gene is the most appropriate for identifying clariid catfish and can serve as a standard region for DNA barcoding. A positive barcoding gap between interspecific and intraspecific sequence divergence was observed in the Cytb dataset but not in the COI and D-loop datasets. Intraspecific variation was typically less than 4.4%, whereas interspecific variation was generally more than 66.9%. However, a species complex was detected in walking catfish and significant intraspecific sequence divergence was observed in North African catfish. These findings suggest the need to focus on developing a DNA barcoding system for classifying clariid catfish properly and to validate its efficacy for a wider range of clariid catfish. With an enriched database of multiple sequences from a target species and its genus, species identification can be more accurate and biodiversity assessment of the species can be facilitated.

Bathymetric and Topographic Changes of the Gomso-Bay Tidal Flat, West Coast of the Korean Peninsula (한반도 서해안 곰소만 갯벌의 수심 및 지형 변화)

  • Jin Ho Chang;Yong-Gil Kim;Myong Sun Lee
    • Journal of the Korean Society of Marine Environment & Safety
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    • v.29 no.6
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    • pp.552-561
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    • 2023
  • The seafloor topography of Gomso Bay on the west coast of Korea was investigated using subtidal bathymetry and tidal-flat altimetry. Gomso Bay consists of 80% tidal flats and 20% subtidal zone, and is divided into an outer bay and an inner bay by the Jujincheon esturary channel. The outer bay tidal flat, has few tidal channels, has a concave topographic profile, and is characterized by the development of chenier and intertidal sand bars, giving it the appearance of gently sloping, dissipative beaches. The inner bay tidal flat has wide upper and middle tidal flats with a well-developed tidal channel system without cheniers. Moreover, the topographical cross-section between these tidal channels is convex upward, and shows the characteristics of a depositional environment greatly influenced by tidal channels and tidal action. An analysis of the horizontal movement of the tidal flat environment over the past 37 years investigating changes in the iso-depth lines in the Gomso-Bay tidal flat between 1981 and 2018 revealed that the Gomso-Bay tidal flat retreated gradually landward. As a result of analyzing the erosion and sedimentation characteristics of Gomso Bay, assuming that most of the water depth changes were due to changes in the elevation of the sea floor and sea level, an average of 1 cm (0 mm/y) of sediment was eroded in the outer bay over the past 37 years (1981-2018), In the inner bay, an average of 50 cm (14 mm/y) was deposited. Notably, the high tidal flats of the outer bay were largely eroded. Monitoring photographs of the coast showed that most of the erosion of the high tidal flats in the outer bay occurred in a short period around 1999 (probably 1997-2002), and that the erosion resulted from the erosion of sand dunes and high-tide beaches caused by temporarily greatly raised high tide levels and storms.

Re-evaluation of Cultural Heritage Preservation Committee Activities in 1961 (1961년 문화재보존위원회 활동 재평가)

  • OH Chunyoung
    • Korean Journal of Heritage: History & Science
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    • v.57 no.2
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    • pp.144-166
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    • 2024
  • The Cultural Heritage Committee is an important organization that has been deliberating on important matters related to the preservation of cultural properties in the Republic of Korea for more than 60 years since 1962. The Cultural Heritage Preservation Committee was active in 1961, which was a short period of about a year, but the minutes prepared at the time confirmed that it had the following meanings. First of all, legally, it was meaningful in that the concept of cultural property or intangible cultural property was used for the first time in Korea in laws and regulations on the term of office of professional members. These matters became the basis for the operation of the current Cultural Heritage Protection Act and the Cultural Heritage Committee. The following confirms that, unlike previously known activities, they were active despite political upheaval at the time. In spite of rapid regime change at the time, the committee had no change in its members, and the meetings continued without interruption. At that time, there was an exclusive relationship between different groups in relation to the preservation of cultural heritage, and this relationship was confirmed by the minutes that disappeared with the establishment of the Cultural Heritage Management Bureau, which integrated these groups. Finally, the form of the minutes prepared then shows the form of documentation at the time, where it is confirmed that the traditional documentation format is changing into a new form. It can be good research material in terms of modern and contemporary bibliography. As discussed earlier, the Cultural Heritage Conservation Committee of 1961 has historical significance in terms of legal and actual activities. The reason why the committee's activities were low valued is presumed to be that the minutes and related documents prepared at the time were not organized well due to the lack of a related administrative system. The minutes of the Cultural Heritage Conservation Committee record various facts about cultural heritage policies and decisions at that time. Therefore, analysis and research on these contents can reveal more facts about the cultural heritage policies and perceptions of that time.