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인터넷전문은행의 지속 사용 의도에 영향을 미치는 요인에 대한 연구
유혜인(Heyin Yoo),안재영(Jaeyoung An),이중정(Choong C. Lee) 한국전자거래학회 2018 한국전자거래학회지 Vol.23 No.3
오늘날 금융 서비스 산업의 패러다임은 모바일 뱅킹으로 이동하고 있으며 각 금융 기업은 다양한 모바일 뱅킹 서비스를 제공하고 있다. 모바일 뱅킹 서비스 혁신으로 인터넷전문은행이 출범하였지만, 출범 후 증가한 가입자 수에 비해 실제 이용자 수는 이에 미치지 못하고 있다. 따라서 본 연구는 인터넷전문은행 이용자의 지속 사용 의도에 영향을 미치는 요인을 업무-기술 적합(Task-Technology Fit; TTF) 이론을 적용하여 알아보고자 한다. 본 연구 수행을 위해 인터넷전문은행 서비스 사용 경험이 있는 사람들을 대상으로 설문을 실시한 후 측정모형 분석과 구조방정식 모형 테스트를 수행하였다. 연구 결과 기술 특성과 업무-기술 적합성, 업무-기술 적합성과 지속 사용 의도는 유의미한 상관관계를 갖는 것으로 확인되었다. 본 연구 결과를 통해 인터넷전문은행 운영자에게 이용자 확보 및 유지 방안의 시사점 제공을 기대한다. Today the paradigm of the financial services industry is shifting to mobile banking, and each financial company provides a variety of mobile banking services. Because of the innovation of mobile banking service, the Internet Only Bank has been launched recently. However, the actual number of users is far less than the number of subscribers. The purpose of this study is to investigate the factors affecting the intention to use of Internet only banking service by applying Task-Technology Fit (TTF) theory. In order to carry out this research, we conducted a survey on the user of the Internet only banking services, tested the measurement validity/reliability analysis and derived structural equation model. The results indicate that there are significant correlations between technology characteristics and tasktechnology fit and between task-technology fit and continuance intention. The results of this study are expected to provide implications for securing and maintaining the users of Internet banking providers.
Hahm, Sahng-Wook,Son, Heyin,Kim, Wook,Oh, Young-Kyoon,Son, Yong-Suk Korean Society of Animal Sciences and Technology 2013 한국축산학회지 Vol.55 No.2
Whole cotton seed (WCS) has become one of the major feed ingredients in TMR for dairy cattle in Korea, and WCS for feed use is mostly imported from abroad. Since this genetically modified oil seed is usually fed to the animal in raw state, its germination ability, if last long, often causes concerns about ecological disturbances. In the process of looking for effective conditions to remove germination ability of WCS this study had the objectives to evaluate the nutritional effects of gamma irradiation at doses of 8, 10 and 12 kGy on changes in nutrient contents, anti-nutritional factors, in vitro digestibility and ruminal degradability. No significant differences were found in proximate analysis of nutrients between raw WCS and gamma irradiated one. Glycine and threonine contents significantly increased when the WCS was exposed to gamma ray as compared to untreated WCS (p<0.05). As for fatty acid composition, no significant differences were observed with the irradiation treatment. Free gossypol in WCS was decreased (p<0.05) by gamma irradiation treatment. Of the 3 different levels of gamma irradiation, a dose of 12 kGy was found to be the most effective in reducing free gossypol concentration. Results obtained from in situ experiment indicated that gamma irradiation at a dose of 10 kGy significantly (p<0.05) lowered rumen degradability of both dry matter and crude protein as compared with raw WCS. However, there were no significant differences in rapidly degradable and potentially degradable fractions of crude protein due to 10 kGy gamma irradiation. Overall, this study show that gamma irradiation at a dose of 10 kGy is the optimum condition for removing germination ability of WCS, and could improve nutritive value for the ruminant with respect to the decrease in both ruminal protein degradability and gossypol content of WCS.
A Nutritional Evaluation on Whole Cottonseed Removed Germination Ability by Heat-treatment
Hahm, Sahng-Wook,Son, Heyin,Baek, Seong-Gwang,Kwon, Hyeok,Kim, Wook,Oh, Young-Kyoon,Son, Yong-Suk The Korean Society of Grassland and Forage Science 2013 한국초지조사료학회지 Vol.33 No.1
In Korea, wide spread use of whole cottonseed, which is primarily a GMO plant imported from foreign countries and being fed to animals as raw state, has aroused concern that it may disturb the existing ecology of the country unless dispersion of the seed is under proper control. The objective of this study was to elucidate the changes in various nutritive parameters due to heat treatment and to determine the effective condition for removing germination ability of whole cottonseed (WCS). Of the various temperatures applied (76, 78, 80, 85, $100^{\circ}C$/30 min) $85^{\circ}C$ for 30 min was confirmed to be the lowest temperature treatment which resulted in a complete removal of the germination ability of WCS. Therefore, based on the determined temperature condition ($85^{\circ}C$ 30 min) we tried to examine the changes of various nutritional parameters, including nutrient composition, in vitro digestibilities and ruminal protein degradabilities, comparing raw whole cotton seed (RWCS) and heated whole cotton seed (HWCS). Some changes in amino acid composition were observed with heat treatment of WCS, but these were regarded to originate from the variation in plant quality and seed morphology, which are usually affected by different environmental factors during the vegetation period. As for fatty acid composition, no significant differences were observed to occur during heat treatment. However, WCS heated at $85^{\circ}C$ for 30 min in a circulating oven showed a significant decrease (p<0.05) of in situ rumen degradability in both dry matter (DM) and crude protein (CP), as compared to raw WCS. Overall results obtained in the study indicate that the heating condition used in this study, which was proven to be the most appropriate and economic to remove germination ability of WCS, may also improve the nutritional value of the ruminant with regard to reducing its protein degradability within the rumen.
( Sahng Wook Hahm ),( Heyin Son ),( Wook Kim ),( Young Kyoon Oh ),( Yong Suk Son ) 한국동물자원과학회(구 한국축산학회) 2013 한국축산학회지 Vol.55 No.2
Whole cotton seed (WCS) has become one of the major feed ingredients in TMR for dairy cattle in Korea, and WCS for feed use is mostly imported from abroad. Since this genetically modified oil seed is usually fed to the animal in raw state, its germination ability, if last long, often causes concerns about ecological disturbances. In the process of looking for effective conditions to remove germination ability of WCS this study had the objectives to evaluate the nutritional effects of gamma irradiation at doses of 8, 10 and 12 kGy on changes in nutrient contents, anti-nutritional factors, in vitro digestibility and ruminal degradability. No significant differences were found in proximate analysis of nutrients between raw WCS and gamma irradiated one. Glycine and threonine contents significantly increased when the WCS was exposed to gamma ray as compared to untreated WCS (p<O.O5). As for fatty acid composition, no significant differences were observed with the irradiation treatment. Free gossypol in WCS was decreased (p<0.05) by gamma irradiation treatment. Of the 3 different levels of gamma irradiation, a dose of 12kGy was found to be the most effective in reducing free gossypol concentration. Results obtained from in situ experiment indicated that gamma irradiation at a dose of 10 kGy significantly (p<0.05) lowered rumen degradability of both dry matter and crude protein as compared with raw WCS. However, there were no significant differences in rapidly degradable and potentially degradable fractions of crude protein due to 10kGy gamma irradiation. Overall, this study show that gamma irradiation at a dose of 10kGy is the optimum condition for removing germination ability of WCS, and could improve nutritive value for the ruminant with respect to the decrease in both ruminal protein degradability and gossypol content of WCS.