شناسایی و بررسی عوامل موثر بر سرمایه گذاری در توسعه محصول جدید در حوزه تکنولوژی های مالی نظارتی (مطالعه موردی بانک تجارت)

الموضوعات : دانش سرمایه‌گذاری

سروش معتمدی فرد ¹ ( گروه مدیریت تکنولوژی، واحد تهران مرکز، دانشگاه آزاد اسلامی، تهران، ایران )
امیر بیات ترک ² ( گروه مدیریت تکنولوژی، واحد تهران مرکز، دانشگاه آزاد اسلامی، تهران، ایران )
جلال حقیقت منفرد ³ ( گروه مدیریت تکنولوژی، واحد تهران مرکز، دانشگاه آزاد اسلامی، تهران، ایران )

تاريخ الإرسال : 12 الإثنين , ربيع الثاني, 1441 تاريخ التأكيد : 04 الإثنين , جمادى الأولى, 1441 تاريخ الإصدار : 18 الإثنين , شعبان, 1443

الکلمات المفتاحية: فناوری مالی نظارتی (رگ تک), تحقیق و توسعه, توسعه محصول جدید, نوآوری, سرمایه گذاری,

ملخص المقالة :

تغییرات تکنولوژیک منجر به ایجاد چالش ها و فرصتهای جدید در صنایع گوناگون می شود. عدم توانایی سازمان ها در منطبق ساختن مدل کسب و کار خود با این تغییرات ممکن است منجر به خروج آنها از بازار شود. صنعت بانکداری نیز از این امر مستثنی نبوده و تکنولوژی های مالی نظارتی نیز یکی از مهم ترین روند های تکنولوژیک در سال های اخیر است. با توجه به تاثیر گسترده این تکنولوژی ها بر صنعت بانکداری، سرمایه گذاری در توسعه محصول جدید در حوزه تکنولوژی های مالی نظارتی از اهمیت بالایی برخوردار است. لذا به منظور پیاده سازی نتایج تحقیقات جدید و کمک به رفع مشکلات موجود در این زمینه، شناسایی و بررسی عوامل موثر بر سرمایه گذاری در توسعه محصولات جدید فناوری های مالی با رویکرد نظارتی ضروری به نظر می رسد. این پژوهش از حیث هدف، کاربردی و از نوع روش، توصیفی پیمایشی است. عوامل مؤثر بر سرمایه گذاری توسعه محصول جدید فناوری های مالی نظارتی از مرور ادبیات و نظر خبرگان صنعت بانکداری در بانک تجارت استخراج شده و پرسشنامه تأیید شده در جامعه خبرگان توزیع و نتایج با روش تحلیل عاملی تأییدی و معادلات ساختاری با نرم افزار Smart-PLS3 مورد بررسی قرار گرفته است. در این پژوهش 4 بعد اصلی مؤثر بر توسعه محصول جدید در حوزه فناوری های مالی به همراه 29 عامل شناسایی و تأیید گردید که توجه به همه آنها دارای اهمیت است. کلیه عوامل کلیدی شناسایی شده، تاثیر معنی داری بر توسعه محصولات جدید فناوری های مالی با رویکرد نظارتی دارند.

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