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رتبه‌بندی شاخصهای تکنولوژی مالی دربانک‌ها مبتنی بر رویکرد فازی | ||
| راهبرد مدیریت مالی | ||
| مقاله 1، دوره 13، شماره 1 - شماره پیاپی 48، فروردین 1404، صفحه 1-22 اصل مقاله (341.04 K) | ||
| نوع مقاله: مقاله پژوهشی | ||
| شناسه دیجیتال (DOI): 10.22051/jfm.2024.43169.2800 | ||
| نویسندگان | ||
| رضا تهرانی* 1؛ مهدی نبی پور افروزی2؛ محمدرضا رنجبر فلاح3 | ||
| 1استاد، گروه مدیریت مالی و بیمه، دانشکده مدیریت، دانشگاه تهران، تهران، ایران. | ||
| 2دانشجوی دکتری، گروه علوم اجتماعی و رفتاری، مالی(مهندسی مالی)، دانشکده مدیریت، پردیس بین‌الملل ارس دانشگاه تهران، ارس، ایران | ||
| 3دانشیار، گروه اقتصاد، دانشگاه پیام نور، تهران ایران | ||
| چکیده | ||
| در عصر کنونی با گسترش استفاده از تکنولوژی به وجود آمد، از یک طرف مؤسسات مالی و بانک‌ها چاره ای جز پذیرش این روند نیافتند، از طرف دیگر در کشور ارزیابی عملکرد موسسات و نهادهای بانکی اهمیت خاصی پیداکرده است. شناسایی و تعیین میزان اهمیت (وزن) عوامل و شاخصهای مهم تأثیرگذار بر بهبود عملکرد و افزایش کارایی نهادهای بانکی از مباحث بسیار مهم محسوب می‌شوند، بنابراین در این مطالعه با استفاده از نظر خبرگان در قالب پرسشنامه که روایی و پایایی آن مورد تایید قرار گرفته و اطلاعات آمار جمع آوری شده و در دسترس برای دوره زمانی از مهر تا بهمن 1401، روش تجزیه و تحلیل فرآیند سلسله‌مراتب فازی، شاخصهای بخش بانکی در 2 گروه نرم‌افزاری و سخت‌افزاری و شاخصهای انتخابی 9 شاخص اصلی و پر اهمیت در عرصه بانکداری توسط خبرگان تعریف گردیده است. نتایج رتبه‌بندی تکنولوژی‌های مالی بخش پولی نشان می‌دهد که تمامی شاخصهای سازگاری کمتر از 1/0 می‌باشند که مؤید پایایی و قابل‌اعتماد بودن ابزارهای اندازه‌گیری است. در میان وزن‌های به‌دست‌آمده ابزارهای نرم‌افزاری به ترتیب همراه بانک 0.256، اینترنت بانک 205/0 و بانکداری دیجیتال 193/0 و در میان ابزارهای سخت‌افزاری به ترتیب دستگاه‌های خودپرداز برون شعبه‌ی 290/0 و دستگاه خودپرداز درون شعبه‌ی 271/0 از بالاترین سطح اهمیت برخوردار هستند. | ||
| کلیدواژه‌ها | ||
| تحلیل سلسله مراتبی فازی؛ تکنولوژی مالی؛ بانک؛ ماتریس مقایسات زوجی | ||
| عنوان مقاله [English] | ||
| Ranking of Financial Technology Indicators of Banks based on Fuzzy Approach | ||
| نویسندگان [English] | ||
| Reza Tehrani1؛ Mehdi Nabipour Afrouzi,2؛ Mohammah reza Ranjabar fallah3 | ||
| 1Professor, Department of Financial and Insurance Management, School of Management, University of Tehran, Tehran, Iran | ||
| 2PhD student, Department of Social and Behavioral Sciences, Finance (Financial Engineering), Faculty of Management, Aras International Campus, Tehran University, Aras, Iran. | ||
| 3Associate Professor of Economics, Payam Noor University, Tehran, Iran. | ||
| چکیده [English] | ||
| In the current era, it was created using technology, on one hand, financial institutions and banks did not accept this trend, on the other hand, in the country, there has been an evaluation of the performance of certain banking institutions and institutions. Identifying and determining the importance (weight) of important factors and indicators affecting the improvement of performance and increasing the efficiency of banking institutions are very important topics, so in this opinion study using experts in the form of a questionnaire whose validity and reliability have been confirmed. Information collected and available for the time period from October to February 2022-2023, analysis method and fuzzy hierarchy analysis, indicators of the banking sector in 2 software and hardware groups and indicators of 9 main and important indicators in the region Banking. Defined by experts. The results of the ranking of financial technologies of the monetary sector show that all compatibility indices are less than 0.1, which confirms the reliability and reliability of the measurement tools. Among the obtained weights, the software tools are respectively 0.256, internet bank 0.205, and digital banking 0.193, and among the hardware tools, the out-of-branch ATMs are 0.290 and the in-branch ATMs are higher than 0.271 respectively. | ||
| کلیدواژه‌ها [English] | ||
| Fuzzy hierarchical analysis, ّFinancial technology, Bank, Pairwise comparison matrix | ||
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