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      • 금융 혁신 상품의 메시지 프레이밍이 소비자의 투자의도에 미치는 영향

        엄윤성 서울시립대학교 일반대학원 2019 국내석사

        RANK : 247631

        금융(Finance)과 기술(Technology)의 합성어인 핀테크(Fin-Tech)로 인해 금융 생활이 빠르고 편리해지면서 기존의 대면 서비스들이 대체되고 있다. 최근 금융위원회의 <금융투자업규정>의 개정으로 비대면 일임 규제가 폐지되고 인공지능이 직접 펀드를 운영하기 시작하면서 관련 시장의 성장이 예상되고 있다. 본 연구는 소비자가 금융 혁신 상품 중 인공지능 펀드를 잘 받아들이기 위해서 어떤 메시지 전략이 효과적이고 알아보고자 하였다. 금융혁신상품(인공지능 펀드)의 메시지 유형(구체적 vs. 추상적)이 소비자의 투자의도에 미치는 영향과 이 때의 주관적 금융지식의 조절효과를 알아보았다. 실험을 통해서 주관적 금융지식의 조절효과를 확인하였다. 구체적 메시지 프레이밍에서 주관적 금융지식의 차이는 인공지능 펀드에 대한 신뢰의 차이를 발생시키지 않았다. 그러나 추상적 메시지 프레이밍의 경우 주관적 금융 지식이 낮은 집단에서 인공지능 펀드에 대한 신뢰도가 낮게 나타났다. 구체적 메시지 프레이밍에서 주관적 금융지식의 차이는 인공지능 펀드에 대한 지각된 위험의 차이를 발생시키지 않았다. 그러나 추상적 메시지 프레이밍의 경우 주관적 금융 지식이 낮은 집단에서 인공지능 펀드의 지각된 위험이 높게 나타났다. 이러한 결과는 기업이 고객 유치를 위한 전략을 세울 때 주관적 금융지식 수준에 따라 다르게 접근해야 한다는 실무적 시사점을 제공한다. Thanks to the development of Fin-Tech - a compound word for finance and technology - our financial life has become easier and more convenient. Traditional face-to-face services are being replaced by Fin-Tech, and as of recently, the Financial Investment Business Regulations have been revised by the Financial Services Commission(FSC). As a result, the financial market is expected to grow rapidly as Artificial Intelligence(AI) starts to manage consumer funds on its own. The purpose of this study is to find out which message strategies will prove effective in convincing consumers to accept AI funds among financial innovative products. The effect of the message types(Concrete vs. Abstract) of the financial innovation product on consumers investment intention and the control effect of subjective financial knowledge, was examined. Through the experiment, the moderating effects of subjective financial knowledge was confirmed. Differences of subjective financial knowledge in Concrete message framing did not cause differences in consumer trust on AI funds. In cases of abstract message framing, however, the consumer trust on AI funds was low in the group with low subjective financial knowledge. Differences of subjective financial knowledge in Concrete message framing did not cause differences in the consumers perceived risks on AI funds. However, in cases of abstract message framing, consumers perceived risks on AI funds were high in the group with low subjective financial knowledge. The findings of this study provide managerial implications. Firms must approach customers differently depending on their subjective financial knowledge when designing a strategy for attracting new customers.

      • 농촌지역 노인의 가족건강성이 노후준비에 미치는 영향 : 자기효능감의 매개효과를 중심으로

        엄윤성 가톨릭관동대학교 2019 국내박사

        RANK : 247631

        .The purpose of this study is to examine the effect of family health on the preparation of retirement through mediating role of self - efficacy in the rural elderly. In this way, a survey was conducted for the elderly in rural areas and a total of 541 copies were used as final analysis data. The results of this study are as follows. First, as a result of analyzing the effect of family health of elderly in rural area on self - efficacy, mutual respect, qualitative bond, economic stability, family culture have a positive effect on self - efficacy, Jewish and family culture influenced social efficacy, and qualitative ties and economic stability influenced self - acceptance. Qualitative ties, economic stability, and family culture had a positive effect on self - fulfillment. However, family resilience among family health was commonly analyzed to have low effect on each variable. Second, the effect of the family health of elderly in rural area on the preparation of old age was analyzed. Analysis showed that family resilience, mutual respect, qualitative ties, economic stability, and family culture had a positive effect on retirement preparation. In addition, family resilience, qualitative ties, and family culture affected the aging of the body, and family resilience, economic stability, and family culture affected the economic aging. Mutual respect, qualitative ties, and economic stability have had a positive effect on depression. However, mutual respect had little effect on physical aging, economic aging and leisure aging, and family resilience and family culture had little effect on emotional aging and leisure aging. Third, as hypothesis tests on the effects of self - efficacy on retirement preparation showed that social efficacy, self - acceptance, and self - achievement had a positive effect on retirement preparation, and social efficacy, self - acceptance, There was positive (+) influence on body aging. In addition, social efficacy and self-efficacy have a positive effect on economic aging, and social efficacy and self-efficacy have a positive effect on leisure aging and social efficacy, self-acceptance, and self-fulfillment on leisure aging. Fourth, the mediating effect of self - efficacy on the family health and retirement preparation of the elderly in rural area showed that family health as independent variable had positive effect on self - efficacy as a parameter. In the second stage, family health had a positive (+) effect on the dependent variable, aging preparation. In the third stage, the parameter self - efficacy and family health had a positive influence on the aging preparation. Third, self - efficacy showed indirect mediation effect on the effect of family health on retirement preparation. The results of this study showed that the elderly in rural areas are important factors for improving family health, enhancing self - efficacy and aging preparation. However, family health is very important for the preparation of old age. Therefore, the welfare service extension system for the elderly needs to be strengthened as needed. In addition, it suggests the necessity of expanding job creation for agriculture which is economically beneficial in the development of the per - party education program to increase the self -efficacy of the elderly in rural areas and in the process of increasing aging preparation. Therefore, the characteristics of family health and self - efficacy are the determinants of the successful retirement of the elderly in the rural area. The self - efficacy enhancement policy and the practical plan for the elderly. Key words: Elderly in rural area, family health, self-efficacy, old age preparation

      • Wibro 망에서 VoIP를 이용한 그룹통신 성능분석

        엄윤성 울산대학교 2011 국내석사

        RANK : 247631

        WiBro망에서 VoIP 서비스와 MBS(Multicast Broadcast Service)를 이용하여 그룹통신 서비스를 제공하면 음성품질 및 무선자원의 활용에 있어서 높은 효율을 보장할 수 있다. 하지만 ‘H’사의 경우, WiBro망을 사용하고 있지만 멀티캐스트 장비를 구축하지 않아 유니캐스트 방식으로 그룹통신을 사용하고 있으며, 이렇게 유니캐스트를 이용한 그룹통신은 사용자 수에 따라 패킷의 전송량이 증가하기 때문에 무선자원의 낭비와 전송속도 측면에서의 성능저하를 야기한다. 또한 VoIP 서비스는 데이터 패킷의 양에 비해 오버헤더의 비율이 높아 무선자원의 낭비 및 성능 저하를 일으키게 되는 원인이 된다. 이러한 문제를 해결하기 위해 패킷번들링이라는 기술을 이용하면 오버헤드를 줄일 수 있고, 멀티캐스트를 이용하면 패킷전송에 있어서 중복전송을 줄여 자원의 낭비 및 서버의 부하를 줄일 수 있다. 따라서 본 논문에서는 패킷번들링과 멀티캐스트를 이용하여 Wibro 시스템에서 VoIP를 이용한 그룹통신의 성능 분석을 수학적 측면과 시간적 측면에서 하였다. 성능평가 결과, 유니캐스트에 비해 멀티캐스트 전송방식이 그룹통신 서비스를 지원하는데 적합함을 알 수 있었고, 패킷번들링을 이용하였을 때, 음성통신의 최대지연시간을 충족하는 패킷 수를 확인할 수 있었고, 오버헤드가 줄어드는 것을 확인 할 수 있었다.

      • DDoS 공격 대응을 위한 패킷 검사 방식의 네트워크 침입탐지 시스템

        엄윤성 영산대학교 컴퓨터정보통신대학원 2003 국내석사

        RANK : 247631

        A DDoS(Distrbuted Denial of Service) attack is a flood of packets that consumes network resources and causes gridlock. This gridlock prevents or denies users access to online resources, which is the origin of the term, "Denial of Service" attack. An attack may originate from a single DoS, or remotely from Distributed DoS or DDoS that have been infiltrated. These pawn-like computers that forward DoS attacks are called "zombies", and are usually distributed geographically. Loss of service can impact the ability of a particular network service, such as e-mail, to be available or can cause the temporary loss of all network connectivity and services. Depending upon the type and duration of the attack, unprotected Web sites that fall victim to a DDoS assault may be forced to temporarily limit or cease operation. The method which it presents from the dissertation which it sees, When conditions change or anomalies disappear, it re-evaluates the network and adjusts settings in conformance with policies. Once an anomaly has been resolved, it automatically restores the network to it previous state. This paper presents a packet examination intrusion detection system method. We show effectiveness of our packet examination intrusion system by simulation experiments.

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