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Open Access Article
1 - Designing a dynamic corporate banking model and using it in social marketing based on new banking technologies
Mojtaba Bayat Ahmad Sardari Naser Azad Abdolah NaamiNowadays, in the banking industry, paying attention to the needs of customers in different sectors is one of the strategies of international banks such as Marilynch, Citigroup and HSBS. the Bank will absorb more resources. Due to the similarity of banking services and t MoreNowadays, in the banking industry, paying attention to the needs of customers in different sectors is one of the strategies of international banks such as Marilynch, Citigroup and HSBS. the Bank will absorb more resources. Due to the similarity of banking services and the rate of facilities and interest on Bank deposits for Bank customers, customer loyalty, especially corporate customers, requires attention to social marketing along with corporate banking.In this study, according to previous researches that existed in Science Direct database from the beginning of 2021, using the Meta-Synthesis of Qualitative research, which was a combination of previous research and expert's interview in the field of corporate banking and social marketing, to qualitatively explain the dynamic corporate Banking model, was based on new Banking technologies & social marketing was also considered. Finally, the model was designed in four dimensions and fifteen components, which are technological factors, corporate social responsibility factors, factors beyond the bank's control, and finally New banking practices were important. Due to the dynamics of the model, banks should have fifteen components including financial technology, financial technology lending, crowdfunding, cultural factors, political factors, social factors, economic factors, green marketing, disclosure of financial content in accordance with legislation, Justice in the payment of banking facilities to companies, attention to shadow banking, offshore banking, open banking, digital banking and decentralized banking according to the internal structure and internal strengths and weaknesses, as well as opportunities and environmental threats under consideration redesign and use this Model. Manuscript profile -
Open Access Article
2 - Presenting a crowdfunding risk model in fintech-based businesses.
ali Mohammadi Fraydoon Rahnamay Roodposhti Hoda Hemmati narges yazdanianAbstractThe purpose of this research is to present the risk model of crowdfunding in fintech-based businesses. The present research community was formed by university professors and experts of the certified crowdfunding platforms of the country. In this research, the op MoreAbstractThe purpose of this research is to present the risk model of crowdfunding in fintech-based businesses. The present research community was formed by university professors and experts of the certified crowdfunding platforms of the country. In this research, the opinions of 12 experts were used using non-random judgment method. The process of data analysis was carried out in two stages to identify the risk of crowdfunding in fintech-based businesses, through the interview tool and using the theme analysis method, as well as the screening of factors through the questionnaire tool and the fuzzy Delphi method. . The phase of identifying dimensions and components using theme analysis and during the data familiarization phase, 50 cases of speech evidence identified from the text of the interviews were labeled in the form of 13 primary codes. Next, the initial codes were categorized into two sub-themes and then a main theme. In the Delphi phase, all the components were approved by the experts and finally the research model was drawn. Also, the results of the research showed that the risk of crowdfunding in fintech-based businesses is divided into two main parts. The risk of internal factors, including lack of quick liquidity, conflict of interests between entrepreneurs and investors, high failure rate, dilution of investment, lack of control over all aspects of investment, lack of transparency and limited information, possibility of fraud and corruption, risk of conditions Contracts and transactions, improper valuation, operational risk, and the risk of external factors. Manuscript profile -
Open Access Article
3 - A Framework for Identifying and Analyzing Drivers Affecting the Futures of Cryptocurrency FinTechs in Iran with Fuzzy Delphi and Fuzzy Dematel
Mohammad Hasan Maleki Mohammad Javad Zare Bahnamiri Iman Dadashi -
Open Access Article
4 - Enhancing Cooperation: A Futuristic ANFIS Model for Anticipating Strategic Alliances between Fintech Start-ups and the Banking Sector.
Arash Onsori Abbas Khamseh Taghi Torabi Hamidreza yazdani -
Open Access Article
5 - Presenting the model of factors affecting the success of financial technology institutions at the customer level
Sanaz Ahangaran fatemeh samadi masomeh jafariFinancial technology institutions cover a wide range of jobs in the financial field in Iran, and success in these jobs depends on various indicators, of which customers are one of these factors. Therefore, the identification and classification of these factors can be a MoreFinancial technology institutions cover a wide range of jobs in the financial field in Iran, and success in these jobs depends on various indicators, of which customers are one of these factors. Therefore, the identification and classification of these factors can be a strategy for new institutions in this field to reach the current model of fintech institutions, and it can also be a guideline to maintain the current state of financial technology institutions that have grown at the moment, to design a model of factors affecting the success of financial technology institutions. At the customer level, in this research, the interpretive structural modeling method has been used. MICMAC analysis has also been performed in the continuation of ISM interpretive structural modeling.The purpose of MICMAC analysis is to investigate and analyze the power of penetration the power of dependence of the components that are calculated in the stage of forming the final received matrix, by using a multi-criteria decision-making method, all factors and indicators affecting the success of financial technology institutions at the level of customers have been ranked by the opinion of the experts of the Fintech Association of Iran. Factors affecting the success of financial technology institutions at the customer level, customer orientation has taken the first place. The next ranks are given to agility, security management, low profit margin, easy adaptation, scalability and innovation, the model derived from the ISM method was fitted to the structural equation method, which shows the relationship between the variables. Manuscript profile -
Open Access Article
6 - Investigating implementation of fintech technologies and systemic risks in the banking network
rahman rahimi fatemeh sarraf mahbobeh jafari bijan safaviFintech affects banks' risk management, and banks tend to improve the level of Fintech in their financial system by increasing risks; Liquidity, credit and systemic risks are the most important risks identified in the banking industry, but what causes the collapse of th MoreFintech affects banks' risk management, and banks tend to improve the level of Fintech in their financial system by increasing risks; Liquidity, credit and systemic risks are the most important risks identified in the banking industry, but what causes the collapse of the entire banking system; Systemic risk is caused by the nature of the spread of this risk from one bank to other banks. Systemic risk occurs when the instability of one financial institution spreads to others, potentially causing a domino effect that can lead to broader economic effects. Identifying systemic risk is very important for monetary and financial supervisory organizations. The deployment and development of fintech has significantly affected banking systems. Increased systemic risk can hinder support for sustainable global development, especially in emerging economies. There are several indicators to calculate this risk; Among these indicators, we can refer to conditional value at risk (CoVaR), TENET (developed CoVaR model), final expected deficit (MES), systemic expected deficit (SES), systemic risk (SRISK), epidemic models (SIR). The results of the conducted research indicate the high level of systemic risk in Iran; Also, according to research, the amount of this risk is higher in state banks than in private banks. It should be noted that all three categories of intra-company, extra-company variables and diversification of bank income and assets (bank portfolio management) have a significant effect on systemic risk; This indicates the complexity of the dimensions of the formation of this type of risk. Manuscript profile -
Open Access Article
7 - Identifying and Investigating Key Factors Affecting the Management of New Product Development in the Field of Financial Regulatory Technologies (Case study: TEJARAT Bank)
Soroush Motamedi fard Amir Bayat Tork JALAL HAGHIGHAT MONFAREDThe emergence of emerging technologies in recent years and the conduct of banking operations on various platforms, which is an evolution of the banking ecosystem, necessitate explaining the factors influencing new product development in the field of financial technology MoreThe emergence of emerging technologies in recent years and the conduct of banking operations on various platforms, which is an evolution of the banking ecosystem, necessitate explaining the factors influencing new product development in the field of financial technology to apply regulatory compliance with international standards. One of the differentiated aspects of new products and services is the observance of the standards that are required in the banking industry. Therefore, in order to help solve the existing problems, it is necessary to identify and investigate the factors affecting the development of new products in the field of financial regulatory technologies. The purpose of this research is applied and is a descriptive-survey method. Affecting factors extracted from the literature review, opinion of banking industry experts in Tejarat bank and the approved questionnaire distributed in the community of experts, and the results analyzed by confirmatory factor analysis and structural equations using Smart-PLS3 software. In this study, seven main factors with 46 sub factors influencing new product development in the field of regulatory technology identified and it was confirmed that all key identified factors had a significant impact on the development of new financial regulatory technology products. Manuscript profile -
Open Access Article
8 - The Model for Contributing Factors to FinTech Implementation in Banking System of the Country Using the Blended Approach
Farideh Mohammadi Roya Darabi Hossein BadieiAbstract This paper aims to identify and present a model for contributing factors to FinTech implementation in the country's Banking system using the blended approach. Using the blended approach, the scholar first (in the qualitative section) analyzed 30 specialists i MoreAbstract This paper aims to identify and present a model for contributing factors to FinTech implementation in the country's Banking system using the blended approach. Using the blended approach, the scholar first (in the qualitative section) analyzed 30 specialists in the banking system in several phases. Second, in the quantitative section, by using the smart PLS Software and structural equation approach, the effectiveness of variables is assessed by distributing a questionnaire among 267 employees of Bank RefahKargaran. The results show that “economic governance of the state”, “culture building and training”, “structural preparation”, “banking system transparency”, and “facilities and incentives” can affect FinTech implementation in the Banking system. Further, quantitative phase analyses show that all research constructs, In the form of five hypotheses, directly contribute to the FinTech implementation in the financial system. Since the traditional banking in the world is about to change into digital-evolution banking; this paper is concerned with one of the significant digital banking events, FinTech. in the FinTech area, few studies have presented on the implementation. Manuscript profile -
Open Access Article
9 - Summary The purpose of this study is to investigate the role of fintechs in customer retention mediated by customer satisfaction and is descriptive in nature and method and correlation in terms of relationships between variables. The statistical population included two sections of customers and employees of Bank Melli Iran branches in Tehran and the sample size was estimated 384 for customers and 248 for Bank Melli employees using stratified and
noman salehi hasan mehrmanesh jalal haghighat monfared mohammad reza kashefy neyshabouriThe purpose of this study is to investigate the role of Fintechs in customer retention mediated by customer satisfaction and is descriptive in nature and method and correlation in terms of relationships between variables. The statistical population included two sections MoreThe purpose of this study is to investigate the role of Fintechs in customer retention mediated by customer satisfaction and is descriptive in nature and method and correlation in terms of relationships between variables. The statistical population included two sections of customers and employees of bank Melli Iran branches in Tehran and the sample size was estimated 384 for customers and 248 for bank Melli employees using stratified and available sampling method. The collected data were analyzed using structural equation modeling in SPSS and smartpls3 software. The results showed that the direct effects between variables, ie the effect of financial Fintechs on customer satisfaction, financial Fintechs on customer retention and the effect of customer satisfaction on customer retention, are statistically significant and sub-hypotheses are confirmed. the strongest effect is related to customer satisfaction coefficient on customer retention and 0.772 and the weakest effect is related to financial Fintech coefficient on customer retention at 0.152. The results of Sobel test showed that the indirect effect of customer satisfaction on customer retention was significant and the main hypothesis of this study was confirmed. The indirect effect of job satisfaction variable in the relationship between financial Fintech and customer retention is about 0.21. Manuscript profile -
Open Access Article
10 - Entrepreneurship Strategic Analysis of Fintech in Banking scope
Maryam Mashhadiabdol Davood Samari ebrahim abbasi Majid AshrafiOne of the emerging phenomena in the world is the emergence of Fintech in banking. This has threatened governments' control over money and has made it easier to transfer money around the world. Technology development and social change affect customer behavior and lead t MoreOne of the emerging phenomena in the world is the emergence of Fintech in banking. This has threatened governments' control over money and has made it easier to transfer money around the world. Technology development and social change affect customer behavior and lead to change in customer relationship management. The purpose of this research is to study what Fintech developments in Iran and content analysis are trying to do in terms of what Iran has done in the field of banking and in which financial areas it will be able to start a new business. Some in the financial services industry see Fintech's progress as a threat to the traditional banking industry, and some believe Fintech is a challenge that can be turned into an opportunity. The research method in this paper is grounded theory which was first analyzed using library study and interviews with government officials in the field of banking and the key points were extracted. Therefore, in order to collect additional information for content analysis, a questionnaire was used using keywords. At the output of the questionnaire, the frequency of keywords and their importance coefficients were extracted. Finally, the weaknesses, strengths, threats and opportunities in entrepreneurship and innovation were extracted. The results are listed in the SWOT strategy table, which outline the strengths of the strategies to address the weaknesses and, using opportunities, provide strategies to turn the threats into opportunities. Manuscript profile -
Open Access Article
11 - Presenting a model for the implementation of fintech in the banking industry of Iran
Mohammad Gholami Majid Zanjirdar Peyman Ghafari Ashtiani Gholam Ali HajiPurpose: The popularity of fintechs has created a new competitive environment among banks, as fintechs reduce bureaucratic requirements and make financial institutions like banks more convenient, efficient and faster to provide services. Considering the movement of bank MorePurpose: The popularity of fintechs has created a new competitive environment among banks, as fintechs reduce bureaucratic requirements and make financial institutions like banks more convenient, efficient and faster to provide services. Considering the movement of banks towards new technologies globally, it is necessary to have a general understanding of the acceptance of new technologies in order to align with global growth and keep pace with the products offered by service providers. The purpose of this research is to identify the components and provide a model for the implementation of fintech in the banking industry of Iran.Methodology: In order to identify the components of this model, a semi-structured interview was used with 15 experts in the field of money and banking, who were selected using a theoretical sampling method. In this research, coding was done in three steps using the Grounded theory method with Strauss and Corbin's approach.Findings: In the open coding stage, 123 categories were extracted and after classification in the axial coding stage, 26 components were extracted, and finally, in the selective coding stage, after identifying the relationships between the components, the research paradigm model was formed.Originality / Value: Causal factors affecting the implementation of the policy model: legislation, legal infrastructure, government facilities, legal incentives, reforming macro-governance policies are analyzed. In addition, factors such as technology infrastructure, creating communication channels play an intervening role, and the factors of intention to use technology, culture of participation, entrepreneurial culture, risk-taking, learning and training, and trust-building play a background role in this regard. Manuscript profile -
Open Access Article
12 - Modeling and identification of nonfragile variables affecting credit risk in Tejarat Bank with an emphasis on fintech technologies
Rahman Rahimi Fahemeh Sarraf Mahboobeh Jafari Bijan SafaviPurpose: Credit risk assessment is one of the most challenging issues in the banking sector. The main problem is the correct modeling of this type of risk. Variety of variables affecting credit risk and The lack of a specific model is one of the most important reasons f MorePurpose: Credit risk assessment is one of the most challenging issues in the banking sector. The main problem is the correct modeling of this type of risk. Variety of variables affecting credit risk and The lack of a specific model is one of the most important reasons for the failure of traditional models. Based on this, the aim of this research is to model the credit risk of Tejarat Bank in different economic regimes.Methodology: The time period of the research is (2017-2021) and it has been selected from among 105 thousand customers of Tejarat Bank. information on indicators affecting credit risk was entered into BMA, TVP-DMA and TVP-DMS models. After estimating the model, 8 main variables were identified.Findings: the effect of non-fragile variables on the credit risk in the Markov switching model was analyzed. most of the variables, have a negative and significant effect on the level of credit risk, and by moving from high prosperity to deep recession, the impact of variables on credit risk has increased. Originality / Value: The results showed that the optimal credit risk model is different in each bank. Based on this, an optimized model was designed Only for credit risk in Tejarat Bank based on Bayesian averaging patterns. Credit risk in the state of economic recession has a higher sensitivity to its explanatory variables.Also, based on the results, it was determined that indicators related to fintech have a significant effect on the level of credit risk in Tejarat Bank. Manuscript profile
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