Examining Customers’ Intention of Continued Use and Cross-Buying on Internet-Only Banks

Annie Tsui,이경영,Paola Gonzalez,Bo Yu 한국경영정보학회 2024 Asia Pacific Journal of Information Systems Vol.34 No.1

Internet-only banks (IOB) refer to financial institutions which provide services entirely through online digital platforms without physical branches. Although IOBs have been around for over 26 years, there is still room for investigating what factors motivate customers to use them continuously and extensively. Therefore, this study aims to examine what factors lead to customers’ intention of continued use and cross-buying on IOBs by extending the Post-Acceptance Model of IS Continuance (PAMISC). The result shows that perceived economic benefit and ongoing trust have significant relationships with the intention of continued use and that ongoing trust has significant direct and mediating (via intention of continued use) relationships with the intention of cross-buying. Also, personal innovativeness positively moderates the relationship between ongoing trust and the intention of cross-buying. This study sheds light on the literature on branchless financial services and PAMISC. IOB practitioners should revisit the effectiveness of customers’ economic benefits to establish ongoing trust with customers.

Total Transit Time and Probiotic Persistence in Healthy Adults: A Pilot Study

Annie Tremblay,Jeremie Auger,Zainab Alyousif,Sara E Caballero Calero,Olivier Mathieu,Daniela Rivero-Mendoza,Amal Elmaoui,Wendy J Dahl,Thomas A Tompkins 대한소화기 기능성질환∙운동학회 2023 Journal of Neurogastroenterology and Motility (JNM Vol.29 No.2

Background/AimsMotility, stool characteristics, and microbiota composition are expected to modulate probiotics’ passage through the gut but their effects on persistence after intake cessation remain uncharacterized. This pilot, open-label study aims at characterizing probiotic fecal detection parameters (onset, persistence, and duration) and their relationship with whole gut transit time (WGTT). Correlations with fecal microbiota composition are also explored. MethodsThirty healthy adults (30.4 ± 13.3 years) received a probiotic (30 × 109 CFU/capsule/day, 2 weeks; containing Lactobacillus helveticus R0052, Lacticaseibacillus paracasei HA-108, Bifidobacterium breve HA-129, Bifidobacterium longum R0175, and Streptococcus thermophilus HA-110). Probiotic intake was flanked by 4-week washout periods, with 18 stool collections throughout the study. WGTT was measured using 80% recovery of radio-opaque markers. ResultsTested strains were detected in feces ~1-2 days after first intake and persistence after intake cessation was not significantly different for R0052, HA-108, and HA-129 (~3-6 days). We identified 3 WGTT subgroups within this population (named Fast, Intermediate, and Slow), which could be classified by machine learning with high accuracy based on differentially abundant taxa. On average, R0175 persisted significantly longer in the intermediate WGTT subgroup (~8.5 days), which was mainly due to 6 of the 13 Intermediate participants for whom R0175 persisted ≥ 15 days. Machine learning classified these 13 participants according to their WGTT cluster (≥ 15 days or < 5 days) with high accuracy, highlighting differentially abundant taxa potentially associated with R0175 persistence. ConclusionThese results support the notion that host-specific parameters such as WGTT and microbiota composition should be considered when designing studies involving probiotics, especially for the optimization of washout duration in crossover studies but also for the definition of enrollment criteria or supplementation regimen in specific populations.

제1부 생로병사와 해탈 : 「티벳사자의 서」

( Annie N. Shapiro ) 사단법인 한국교수불자연합회 2007 한국교수불자연합학회지 Vol.13 No.-

「티벳사자의 서」는 기이하고도 독특한 책이다. 역사적으로 본다면 이 책은 4세기경 티벳의 영웅 Padmasambavah에 의하여 저술된 것으로 알려지고 있다. 이 책은 14세기에 Karma Lingpa에 의하여 발견되기까지 거의 알려진 바가 없다. 이 책은 1920년대에 불완전한 형태이긴 하지만 처음으로 영문판이 발간되였고, 비록 그 난해성으로 인해 충분히 이해되고 있는 책은 아니지만, 최근 동서양에 널리 알려진 책이 되었다. 이 책의 중요성을 충분히 이해하기 위해서는, 서양적인 사고에 길들여진 우리들로서는 새로운 각도에서 이 책을 읽을 필요가 있다. 아직도 우리에게는 경험주의적 서양식 사고가 지배하고 있다. 이러한 사고에 길들이진 한 우리는 항상 실험을 통한 테스트를 전세하기 마련이다. 서양의 이성적, 합리주의적 사고는 달의 정복까지 가져오고, 우리의 많은 고질적인 질병을 치유했으며, 산업혁명을 통해 우리에게 물질적인 부를 가져다 주었다. 과거 400년 동안 서구 기술문명이 꽃피는 동안, 인도를 비롯한 동잉권에서 마냥 침체된 상태로 머물러 있는 것이 아니었다. 농양에서는 우리 의식이 자리 잡은 인간의 내면세계에 대한 연구와 탐구를 끊임없이 해왔다. 시구에서는 우주인을 외계로 보내면서 과학자들과 그들의 업적을 찬양했지만, 반면 동양의 인도, 티벳, 중국 등에서는 우리 내면세계에 대한 끊임없는 탐험을 계속해 왔다. 이들은 명상과 요기 등을 통해 보이지 않는 내면 의 기(氣)에 대한 지형도를 그려왔던 것이다. 이들 요가 수행자들은, 물질적인 세계에 대해 많은 탐구자들이 지형도를 그렸듯이, 우리 마음의 세계에 파고들어 다른 차원에서의 우리 내면의 세계를 탐험했다. 불교의 가르침이 이런 종류의 내면세계에 의 탐험에 근간이 되었다. 특히, 다른 어느 곳보다도 지리적으로 다른 세계와 고립되어 있는 티벳에서 이러한 탐험을 위한 불교수행이 널리 행해졌다. 「티벳사자의 서」는 망원경이 우주의 비밀을 우리에게 풀어준 것 같이. 우리 인간의 내면의 세계를 비춰 보인 최고의 작품으로 평가된다. 이 책은 모든 사람들이 예외없이 맞아야할 죽음에의 여행을 잘 묘사하고 있다. 이 책은 우리가 맞아야할 죽음 이후의 세계에 대한 리포트일 뿐만 아니라, 안내서이기도 하다. 이 책은 살아있는 사람에게는 죽음에 연구가이드로, 죽어가는 사람에게는 죽음에 대한 준비로 읽혀질 수 있고, 죽은 사람에게는 다음 생에 항해할 수 있게끔 그 영혼을 달래줄 수 있는 책도 된다. 궁극적으로 그 목표는 인간들이 사후세계의 상태에 대한 참된 성격을 파악하게 하며, 그 것이 불가능하더라도 다음 세상에서 인간으로 태어나 불법을 수행하는 길을 제시해 줄 것이다. 이 책은 예언적인 성격을 가졌는데, 전반적으로 우리에게 긍정적인 메시지를 전달해 주고 있다. 예컨대 죽음이란 두려워해야 할 것이 아니고 우리가 차분히 냉정하게 대처해야 하는 것임을 우리에게 시시해 주고 있다. 삶은 죽음 후에도 계속이 된다. 죽음이란 우리들에게 새로운 여행이고, 아주 흥미로운 경험이며, 우리가 이생에 있는 동안 준비가 가능한 것이다. 죽음을 두려워하지 말라는 것이 책의 메시지이기도 한데 왜냐하면 죽음의 저편에는 우리의 무한한 가능성이 놓여있기 때문인 것이다.

Educator Decision Making about Outdoor Learning Spaces in Early Childhood Education and Care Services

Annie O’Sullivan 환태평양유아교육연구학회 2018 Asia-Pacific journal of research in early childhoo Vol.12 No.2

In Australia, the Early Years Learning Framework (EYLF) invites educators in Early Childhood Education and Care (ECEC) services to view children as learners who are confident and involved (Australian Government Department of Education, Employment and Workplace Relations, 2009) while the National Quality Standard (NQS) contends that the “educational program and practice of educators are child-centred, stimulating and maximise opportunities for enhancing and extending each child’s learning and development” (Australian Children’s Education and Care Quality Authority [ACECQA], 2017, p. 95). Additionally, article 12 of the United Nations Convention of the Rights of the Child (UNCRC) advises that it is a child’s right to contribute and their opinions need to be considered in decisions that affect them (United Nations Children’s Fund [UNICEF], 1996). Nonetheless, limitations appear to exist in supporting educators’ decisions and provisions in the environment and use of the outdoor learning spaces that contrast with the documents that underpin educator practice. This literature review examines the tensions between the ideal and the reality of children’s and educators’ decision making in outdoor learning spaces. It shows that strong policy alone is not sufficient unless underpinned by an environment in which educators are able to make decisions without fear of litigation and children’s perspectives are heard, respected, and enacted.

City in a Village: Imagining a Rural Future for South Korea

Annie Pedret 서울대학교 아시아연구소 2021 아시아리뷰 Vol.11 No.3

Urban migration and an aging rural population have left numerous regions of South Korea “population extinct” and its villages economically, socially and physically neglected. Top-down rural policies and the promises of modernization prioritize cities, industrialization and individualism over rural living, agriculture, and community. City in a Village 1.0 (CiViChon 1.0) is a narrative tool of invention combines conventional research methods with methods and tools from world building and narrative fiction to imagine an alternative future for village-life in South Korea. CiViChon 1.0 is a fictive village, on a fictive site, inhabited by fictive personas that projects a possible alternative future for rural Korea. Taking into account the history of modernization of the country and current realities, sand based on an epistemology of imagination, CiViChon challenges the inequality and unsustainable practices to imagine a more diverse, equitable, and physically, socially and mentally sustainable rural future. It is a shift that demands an evolutionary shift from the biospheric and geosphere to the development of the noosphere that towards greater individuation and unification of its elements as the complexity consciousness necessary to reconfigure the relationships between humans, and between humans and the non-human world.

EXAMINING CHINESE TOURISTS’ NATURE-BASED TOURISM PARTICIPATION BEHAVIOR : INCORPORATING ENVIRONMENTAL ATTITUDE INTO A CONSTRAINT-NEGOTIATION MODEL

Annie Chen,Norman Peng 글로벌지식마케팅경영학회 2014 Global Marketing Conference Vol.2014 No.1

Finding the balance between economic development and preservation of the natural environment is a challenging yet important task. This is a particularly pressing issue in the case of China, as it is the largest and fastest-growing market for tourism. The purpose of this research is to examine Chinese tourists’ participation in nature-based, tourism activities by incorporating tourists’ environmental attitude, measured by the New Environmental Paradigm (NEP) scale, into a tourism constraint-negotiation model. The responses of 112 Chinese tourists were examined through CFA. The results from structural equation modeling show environmental attitude will positively affect tourists’ motivation, which, in turn, will affect their negotiation strategy and ultimately their participation behavior. On the other hand, constraints on nature-based tourism will negatively affect tourists’ participation behavior. The theoretical and managerial implications of this study are discussed in the context of the tourism literature.

Protection Against Selenite Cataract in Rat Lens by Drevogenin D, a Triterpenoid Aglycone from Dregea volubilis

Annie Abraham,P.G. Biju,V. Gayathri Devi,Y. Lija 한국식품영양과학회 2007 Journal of medicinal food Vol.10 No.2

Dregea volubilisis a woody climbing plant commonly found in the hotter parts of India. The leaves are edi-ble and used as a green vegetable, while the plant extract has been used traditionally to treat several diseases including eyeailments. Drevogenin D is a triterpenoid aglycone that has been isolated, purified, and characterized as an active componentfrom the leaves of D. volubilis. In this study, drevogenin D was evaluated for antioxidant and potential anticataractogenic ac-tivity in an in vitromodel. 1,1-Diphenyl-2-picrylhydrazyl radical and superoxide radical scavenging activities of drevogeninD were studied and found to exhibit a 50% inhibitory concentration of 43 .g/mL and 200.6 .g/mL, respectively. Normal ratlenses cultured in 0.1 mM sodium selenite-supplemented medium were used as the experimental model for this study. Selen-ite-induced models are excellent mimics of oxidative stress induced cataract. Treatment with drevogenin D at a concentrationof 50 .g/mL medium was found to reverse the level of activity of superoxide dismutase, catalase, glutathione peroxidase, andglutathione reductase, elevate the level of reduced glutathione and protein sulfhydryl, and lower the level of lipid peroxida-tion as indicated by the concentration of thiobarbituric acid-reacting substances. These results indicate good antioxidant ac-tivity and potential anticataractogenic activity for drevogenin D against selenite-induced cataractous changes, which have beenreported for the first time.

컴퓨터를 이용한 무대의상디자인

(Annie Cleveland) 용인대학교 조형연구소 1998 조형논총 Vol.3 No.-

PROCEEDINGS (1) : Sport Management ; International Intellectual Property Law in the New Millennium

(Annie Clement) 한국체육학회 2001 The 2001 Seoul International Sport Science Congres Vol.- No.-

Leakage Flow Influence on SHF pump model performances

Annie-Claude Bayeul-Lainé,Patrick Dupont,Antoine Dazin,Gérard Bois,Olivier Roussette,Qiaorui Si 한국유체기계학회 2015 International journal of fluid machinery and syste Vol.8 No.4

This paper deals with the influence of leakage flow existing in SHF pump model on the analysis of internal flow behaviour inside the vane diffuser of the pump model performance using both experiments and calculations. PIV measurements have been performed at different hub to shroud planes inside one diffuser channel passage for a given speed of rotation and various flow rates. For each operating condition, the PIV measurements have been trigged with different angular impeller positions. The performances and the static pressure rise of the diffuser were also measured using a three-hole probe. The numerical simulations were carried out with Star CCM+ 9.06 code (RANS frozen and unsteady calculations). Some results were already presented at the XXth IAHR Symposium for three flowrates for RANS frozen and URANS calculations. In the present paper, comparisons between URANS calculations with and without leakages and experimental results are presented and discussed for these flow rates. The performances of the diffuser obtained by numerical calculations are compared to those obtained by the three-holes probe measurements. The comparisons show the influence of fluid leakages on global performances and a real improvement concerning the efficiency of the diffuser, the pump and the velocity distributions. These results show that leakage is an important parameter that has to be taken into account in order to make improved comparisons between numerical approaches and experiments in such a specific model set up.