نقش نوآوری دیجیتال در بازارهای مالی از منظر دانش و ارائه الگوی پیشنهادی

محورهای موضوعی : بازارها و نهادهای مالی

محدثه سلیمانیان ¹ (گروه حسابداری، واحد شهرکرد، دانشگاه آزاد اسلامی، شهرکرد، ‌‌‌‌‌‌ایران.)
بهاره بنی طالبی دهکردی ² (گروه حسابداری، واحد شهرکرد، دانشگاه آزاد اسلامی، شهرکرد، ‌‌‌‌‌‌ایران.)

تاریخ دریافت : 1401/08/26 تاریخ پذیرش : 1401/12/24 تاریخ انتشار : 1402/01/01

کلید واژه: بازار مالی, نوآوری دیجیتال, رویکرد پدیدارشناسی, تکنیک گلوله برفی,

چکیده مقاله :

هدف: اقتصاددانان، بخش عمده‌ای از روند کند رشد اقتصادی در بازارهای مالی کشورهای درحال‌توسعه را به توسعه‌نیافتگی و ناکارآمدی فناوری اطلاعات و نوآوری‌های دیجیتالی بکار رفته در این عرصه نسبت داده‌‌اند و اصلاحات نظام‌مندایی بخش را برای دستیابی به رشد اقتصادی گسترده‌تر توصیه‌‌‌ می‌کنند. بااین‌وجود در مورد روش و نحوه انجام نوآوری‌ها برای دیجیتال کردن بازارهای مالی چالش‌هایی وجود دارد. ضمن آنکه تا کنون به طور خاص پژوهشی در‌‌‌‌‌‌ایران، به تبیین نقش نوآوری‌های دیجیتال در بازارهای مالی نپرداخته است؛ بنابراین هدف این پژوهش ضمن تبیین نوآوری‌های دیجیتال در بازارهای مالی و ارائه الگوی ساختاری در خصوص عوامل مؤثر بر تأثیر نوآوری دیجیتال در بازار مالی از دیدگاه خبرگان از طریق رویکرد پدیدارشناسی است.روش‌شناسی پژوهش: این پژوهش بر اساس روش، تفسیری کتابخانه‌‌‌‌‌‌ای و از نوع تحقیقات کیفی است که به کمک رویکرد پدیدارشناسی و با استفاده از تکنیک گلوله برفی، به بررسی دیدگاه‌های 12 نفر از متخصصان مالی ایران پرداخته است.یافته‌ها: نتایج پژوهش نشان داد الگوی پیشنهادی تأثیر نوآوری دیجیتال در بازار مالی شامل 4 مضمون اصلی مدیریت پیچیدگی سهام‌داران، ساخت یک سرویس هوشمند پیشنهاد شده، توسعه راه‌حل فنی و تضمین حیات اقتصادی همچنین 19 مقوله و 41 فاکتور‌‌‌می باشد که برای نوآوری‌های دیجیتال در بازارهای مالی تأثیرگذار هستند.اصالت / ارزش‌افزوده علمی: بنابراین کلید توسعه، رشد و بقای بازارهای مالی ‌‌‌‌امروزی، یک نوآوری‌ دیجیتال است که نقش اساسی در تحول بازارهای مالی و اقتصاد کشورها ایفا می‌نماید.

چکیده انگلیسی:

Purpose: Economists have attributed a major part of the slow economic growth process in the financial markets of developing countries to the underdevelopment and inefficiency of information technology and digital innovations used in this field, and systematic reforms of this sector are necessary to achieve extensive economic growth. They recommend more. However, there are challenges in how to innovate to digitize financial markets. Besides, so far, no research in Iran has specifically explained the role of digital innovations in financial markets. Therefore, the purpose of this research is to explain digital innovations in financial markets and provide a structural model regarding the factors affecting the impact of digital innovations in the financial market of individuals from the perspective of experts through a phenomenological approach.Methodology: This research is based on qualitative research, which investigated the views of 12 Iranian financial experts with the help of the phenomenological approach and using the snowball technique.Findings: The results of the research showed that the proposed model of the impact of digital innovation in the financial market includes 4 main themes of managing the complexity of shareholders, building a proposed smart service, developing a technical solution and guaranteeing economic life, as well as 19 categories and 41 factors for digital innovations in the financial markets. They are influential.Originality / Value: Therefore, the key to the development, growth and survival of today's financial markets is digital innovation, which plays an essential role in the transformation of financial markets and the economy of countries.

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