This study examines technology effectiveness for industry demand in which artificial intelligence (AI) is applied in the financial sector. It summarizes prior studies on chatbot and customer service and investigates theories on acceptance attitudes for innovative technologies. By setting variables, the study examines bank revenue methodologically and assesses the impact of customer service and chatbot on bank revenues through customer age classification. The results indicate that new product-oriented funds or housing subscription savings are more suitable for purchase through customer service than through chatbot. However, services for existing products through chatbot positively affect banks’ net income. When classified by age, purchases by the majority age group in the channel positively affect bank profits. Finally, there is a tendency to process small banking transactions through the chatbot system, which saves transaction and management costs, positively affecting profits. Through empirical analysis, we first examine the effect of an AI-based chatbot system implemented to strengthen financial soundness and suggest policy alternatives. Second, we use banking data to increase the study’s real-life applicability and prove that problems in customer service can be solved through a chatbot system. Finally, we investigate how resistance to technology can be reduced and efficiently accommodated.

This study indirectly verifies the possibility of telemedicine for humans through a mobile application (app) targeting pets. It examined the perception of telemedicine services and the current status of the companion animal industry, the app platform, and its applied technology by industry domain, and four representative types of artificial intelligence (AI) technologies applicable in the medical field. A survey was conducted through an app implementing pet telemedicine, and hypotheses were established and statistically tested based on the adoption period of pets, health status, mobile service utilization (as an index measuring the ease of use of recent AI functions), and positive and negative perceptions of telemedicine services. As revealed by prospect theory, users with a negative perception of pet telemedicine tended to maintain negative perceptions about telemedicine for humans. This study proved that the severity of pet diseases and the ease of use of recent AI technologies act as a moderating effect on the perception of telemedicine services through the verification of reinforcement and additional hypotheses. It suggests a plan to overcome sanctions against telemedicine by utilizing AI technology. A positive effect on changing the medical paradigm to telemedicine and the improvement of the medical legal system were also observed.

The application of smart city technologies requires new data analysis methods to interpret the voluminous data collected. In this study, we first analyzed the transfer behavior of subway pedestrians using the fingerprinting technique using data collected by more than 100 MAC (Media Access Control) ID sensors installed in a congested subway station serving two subway lines. We then developed a model that employs an AI (Artificial Intelligence)-based methodology, the cumulative visibility of moving objects (CVMO), to present the data in such a manner that it could be used to address pedestrian flow issues in this real-world implementation of smart city technology. The MAC ID location data collected during a three-month monitoring period were mapped using the fingerprinting wireless location sensing method to display the congestion situation in real time. Furthermore we developed a model that can inform immediate response to identified conditions. In addition, we formulated several schemes for disbursing congestion and improving pedestrian flow using behavioral economics, and then confirmed their effectiveness in a follow-up monitoring period. The proposed pedestrian flow analysis method cannot only solve pedestrian congestion, but can also help to prevent accidents and maintain public order.

This study aims to investigate how humans and artificial intelligence (AI) speakers interact and to examine the interactions based on three types of communication failures: system, semantic, and effectiveness. We divided service failures using AI speaker user data provided by the top telecommunication service providers in South Korea and investigated the means to increase the continuity of product use for each type. We proved the occurrence of failure due to system error (H1) and negative results on sustainable use of the AI speaker due to not understanding the meaning (H2). It was observed that the number of users increases as the effectiveness failure rate increases. For single-person households constituted by persons in their 30s and 70s or older, the continued use of AI speakers was significant. We found that it alleviated loneliness and that human-machine interaction using AI speaker could reach a high level through a high degree of meaning transfer. We also expect AI speakers to play a positive role in single-person households, especially in cases of the elderly, which has become a tough challenge in the recent times.

Seoul Metropolitan City’s buses cater to more than 50% of the average daily public transportation use, and they are the most important transportation mode in Korea, together with the subway. Since 2004, all public transportation records of passengers have been stored in Seoul, using smart transportation cards. This study explores the environmental and psychological factors in implementing a smart transportation system. We analyze the switching behavior of traffic users according to traffic congestion time and number of transfers based on public transportation data and show that bus-use behavior differs according to the traffic information of users and the degree of traffic congestion. Information-based switching behavior of people living near bus stops induces people to change routes during traffic congestion. However, in non-congested situations, the original routes are used. These results can guide the formulation of policy measures on bus routes. We made it possible to continuously change the routes for certain buses, which were temporarily implemented due to traffic congestion. Moreover, we added a service that posts the estimated arrival time to major stops while reflecting real-time traffic conditions in addition to the bus location and arrival time information through the global positioning system.