پیوندهای مفید
اخبار و اعلانات
آمار
| تعداد نشریات | 25 |
| تعداد شماره‌ها | 960 |
| تعداد مقالات | 7,934 |
| تعداد مشاهده مقاله | 13,426,049 |
| تعداد دریافت فایل اصل مقاله | 9,545,339 |
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 | ||
|
سایر فایل های مرتبط با مقاله
|
||
| مراجع | ||
|
Allen, F; Gu, X; & Jagtiani, J. (2022). Fintech, Cryptocurrencies, and CBDC: Financial Structural Transformation in China. Journal of International Money and Finance, 102625.
Anifa, M. et al. (2022). Fin tech Innovations in the Financial Service Industry. Journal of Risk and Financial Management 15: 287. https://doi.org/10.3390/ jrfm15070287.
Arner, D. W; Barberis, J. N; & Buckley, R. P. (2015). The Evolution of Fintech: A New Post-Crisis Paradigm? SSRN Electronic Journal.
Asadollah, M. Sanavifard, R & Hamidizadeh, A (2019). Introducing a New E-Banking Model Based on the Rise of Fin techs and Startups (a Case of a Private Bank in Iran). Journal of Technology Development Management. 7(2). 195-248. 10.22104/JTDM.2019.3508.2214.(In Persian).
Arekesh Salmasi, M. (2021). Fintechs and Their Monitoring. Journal of Management and Accounting Research. 1(2). (In Persian).
Asgharpour, M. J. (2022). Multi-Criteria Decision Making. Publisher Tehran University. (In Persian).
Azar, A. & Faraji, H. (2016). Fuzzy Management Science. Tehran, Mehraban Book Publishing Institute, 5th edition. (In Persian).
Baghani, E. (2020). Investigating the Monitoring of New Financial Technologies, Fintech and Digital Currency. Scientific research journal of investment knowledge. 9(36). Autumn. (In Persian).
Daud, S. N. M; Ahmad, A. H; Khalid, A; & Azman-Saini, W. N. W. (2022). Fintech and Financial Stability: Threat or Opportunity? Finance Research Letters, 47, 102667.
Diemers, D; Lamaa, A; Salamat, J; & Steffens, T. (2015). Developing a Fintech Ecosystem in the GCC. Dubai: Strategy, 1-16.
Dorfleitner, G; Hornuf, L; Schmitt, M; & Weber, M. (2017). The Fintech Market in Germany. FinTech in Germany, 13–46.
Dwivedi, P. Alabdooli, J.l. & Dwivedi, R. (2021). Role of Fin Tech Adoption for Competitiveness and Performance of the Bank: A Study of Banking Industry in UAE. International Journal of Global Business and Competitiveness (2021) 16:130–138.
Frankfort, Ch; Nachmias, D. (2011). Research Methods in the Social Science. F, Larjani & R, Fazeli, (2 ed). Tehran: Sorush Pub.
Ghaemi, M. R, Dehghan Dehnavi, M. A & Sadat Moradi, N (2017). Studying the Status of Banking Startups in the Field of New Banking Services (Case Study: Iranian Banking System). Journal of Economics and Banking. 17(20).119-139. (In Persian).
Gomber, P; Koch, J. A. & Siering, M. (2017). Digital Finance and Fintech: Current Research and Future Research Directions. Journal of Business Economics, 87(5), pp. 537-580.
Gu, J.-C; Lee, S.-C; & Suh, Y.-H. (2009). Determinants of Behavioral Intention to Mobile Banking. Expert Systems with Applications, 36(9), 11605–11616.
Khaki, Gh (2022). Research Method with Thesis Approach. Tehran, Foujan Publications. (In Persian).
Khosravi, R (2007). Development of Fuzzy Principles in the Field of Decision Making. Tehran, Rasa Cultural Institute Publications. (In Persian).
Lee I, & Shin Yong J. (2018). Fin Tech: Ecosystem, Business Models, Investment Decisions, and Challenges. Business Horizons, 61: PP 35-46.
Laarhoven, V. P.J.M. & Pedrycz. W. (1983). A Fuzzy Extension of Saaty’s Priority Theory. Fuzzy Sets and Systems 11(1), 229-41.
Lyons, A. C; Kass-Hanna, J; & Fava, A. (2021). Fin Tech Development and Savings, Borrowing, and Remittances: a Comparative Study of Emerging Economies. Emerging Markets Review, 100842.
Liu, Y; Eckert, C; & Earl, C. (2020). A Review of Fuzzy AHP Methods for Decision-Making with Subjective Judgments. Expert Systems with Applications, 161. https://doi.org/10.1016/j.eswa.2020.113738.
Mackenzie, A. (2015). The Fin Tech Revolution. London Business School Review, 26(3), 50–53.
Modanlou Jouybari, A.R, Kazemnejad, M, & Kazemnejad S. A. (2018). Concepts, Areas, Activities, and Fintech Startup Industry in Iran and the World. First Conference on Electrical and Computer Engineering, Ghaemshahr. (In Persian).
Mashhadi Abdul, M. Samari, D, Ashrafi, M, & Abbasi, E. (2019). Strategic Analysis of Single-Based Entrepreneurship in the Banking Field. Journal of Financial Engineering and Securities Management. (42). 393-412. (In Persian).
NabiPour Afrozi, M. Yazdanjoo, M. & Aliakbarnia Omran, M. (2022). A Study of Financial and Banking Technology: a Look at the Past, Present and Future. Scientific and specialized journal of humanities and Islamic sciences in the third millennium. 6(2). 27-36. (In Persian).
Nabi Pourafrouzi, M. & Yazdanjo, M (2022). Financial Technology as Creativity and Financial Innovation. Issues and Problems of Its Implementation. Scientific and Specialized Journal of Humanities and Islamic Sciences in the Third Millennium. 6(2). 88-100. (In Persian).
Najafi, F. Irandoust, M. Sultan Panah, H. & Sheikh Ahmadi, A (2019). Identifying and Ranking the Factors Affecting the Interaction of Banks and New Financial Technologies (Fintechs) With a Combined Approach. Journal of Scientific Innovation Management. Autumn. 9(3).171-199. (In Persian).
Payandeh, R. Manteghi, M. & Shahbazi, M. (2021). Exploring and Discovering Collaboration Patterns between Iranian Banks and Fintechs. Spring. 10(1).161-188. (In Persian).
Perçin, S. (2008). Use of Fuzzy AHP for Evaluating the Benefits of Information-Sharing Decisions in a Supply Chain. Journal of Enterprise Information Management. 21(3), 263-284.
Riffe, D; Lacy, S; & Fico, F. (4 ed). (2012). Analyzing Media Messages. M, Boroujerdi Alavi, Tehran: Sorush Pub.
Rouhani Rad, S (2020). Fintech; Essay in Worldwide and Iran. 10(1).75-94. (In Persian).
Saliger, E; Kordovitch, V. I; Popova, O. V; & Popov, M. A. (2020). The Development of Fintechs as a Part of Digital Economy. In III International Scientific and Practical Conference Digital Economy and Finances (ISPC-DEF 2020) (pp. 40-43). Atlantis Press.
Sarmad, Z. Bazargan, A. & Hejazi, E (2015). Research Methods in Behavioral Sciences. Tehran, Ageh Publications, 28th edition. (In Persian).
Sharfi, k. Mohammadzadeh, A. Nikomoram, H & Hamidi, N. (2021). Testing Financial Innovation in the Banking System: Presenting A Hybrid Model for Predicting and Assessing Credit Risk of Small and Medium-Sized Enterprises (Smes) In Commercial Banks. Journal of Financial Engineering and Securities Management. 12(47). 607-625. (In Persian).
Taromi, S. Shahveisi, F, Kheyrollahi, F & Taherabadi, A. A. (2020). The Effect of New Financial Technologies on the Financial Ecosystem of Interest-Free Banking in Iran. Bi-Quarterly Scientific Journal of Islamic Finance Researches, Research Article, 10(1) (Serial 19), Autumn 2020 & Winter 2021. (In Persian).
Taromi, S. Shah veisi, F. Kheyrollahi, F & Taher abady, A.A. (2020). Presenting a Model for Improving the Financial Performance of Banks Based on New Financial Technologies. Journal of Financial Accounting Knowledge. 7(28), Winter.57-96. (In Persian).
Thakor, A. V. (2020). Fin tech and Banking: What Do We Know? Journal of Financial Intermediation, 41,100833.
Yang, w. & Sun; L (2020). The Impact of Financial Development and Technological Innovation on the Upgrading of Zhanjiang's Industrial Structure. Science, Technology & Public Policy. Vol. 4, No. 2, 2020, pp. 69-75. doi: 10.11648/j.stpp.20200402.14.
Yang, L; & Wang, S. (2022). Do Fin tech Applications Promote Regional Innovation Efficiency? Empirical Evidence from China. Socio-Economic Planning Sciences, 101258.
Wang, K; Huang, W; Wu, J; & Liu, Y. N.(2014). Efficiency Measures of the Chinese Commercial Banking System Using an Additive Two-Stage DEA, Omega. 44, 5-20.
Wang, Y. Xiuping, S. & Zhang, Q. (2021). Can Fin tech improve the Efficiency of Commercial Banks? An Analysis Based on Big Data. Journal homepage: www.elsevier.com/locate/ribaf.
Wimmer, R.D; & Dominick, J.R. (2012). Mass Media Research. Kavos Seidamami, (3ed). Tehran: Sorush Pub.
Zhongqing H, Shuai, D, Shizheng L, Luting, C & Shanlin Y.)2019(. Adoption Intention of Fin Tech Services for Bank Users: An Empirical Examination With an Extended Technology Acceptance Model, Symmetry 2019; doi:10.3390/sym11030340. | ||
|
آمار تعداد مشاهده مقاله: 193 تعداد دریافت فایل اصل مقاله: 143 |
||
