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

محورهای موضوعی : دانش سرمایه‌گذاری

سروش معتمدی فرد ¹ , امیر بیات ترک ² , جلال حقیقت منفرد ³

1 - گروه مدیریت تکنولوژی، واحد تهران مرکز، دانشگاه آزاد اسلامی، تهران، ایران
2 - گروه مدیریت تکنولوژی، واحد تهران مرکز، دانشگاه آزاد اسلامی، تهران، ایران
3 - گروه مدیریت تکنولوژی، واحد تهران مرکز، دانشگاه آزاد اسلامی، تهران، ایران

تاریخ دریافت : 1398/09/18 تاریخ پذیرش : 1398/10/09 تاریخ انتشار : 1401/01/01

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

چکیده مقاله :

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.

چکیده انگلیسی:

Technological changes lead to new challenges and opportunities in various industries. The inability of organizations to adapt their business models to these changes may lead them to leave the market. The banking industry is no exception, and regulatory financial technologies are one of the most important technological trends in recent years. Concerning the widespread impact of these technologies on the banking industry, investment in regulatory financial technologies has a great importance. Therefore, identifying and investigating factors affecting investment in new product development in the field of financial technology with a supervisory approach is necessary. in order to implement the results of new research and to help solve such problems. The purpose of this research is applied and is a descriptive-survey method. Factors Influencing New Product Development Investment in Regulatory Financial Technologies Extracted from Literature Review and Opinion of Banking Industry Experts in Tejarat Bank and the approved questionnaire is distributed in the community of experts and the results are analyzed by confirmatory factor analysis and structural equations using Smart-PLS3 software. In this study, 4 main factors were identified and confirmed with 29 factors all of which are important. All key identified factors have a significant impact on investment in development of new financial technology products with a regulatory approach.

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