Proposing a Strategic Framework for Implementing Fintech in the Country's Banking Industry

With developments the field of modern banking, the need to adopt technological approaches tailored to the needs of customers in the field of banking, has become so prevalent that now the transition from traditional models to business models is technology-oriented and value-creating. The growth of financial startups in the global banking industry has led to the creation of new types of markets and businesses that have been able to bring a new wave of innovation and creativity into the field of global employment and entrepreneurship in a few decades. In the past, with the advent of new waves of technology, many innovations have helped transform the face of the world, live and facilitate processes, and grow businesses based on it. In this regard, in this article, the researcher has identified the components and factors influencing and influencing financial startups such as Fintech in the form of providing a strategic framework. Participants in the present study include 30 managers, experts and specialists active in the field of digital transformation in the banking industry, who were interviewed to identify the factors. The time domain of the research is related to the year 1399 to 1400. In order to achieve the purpose of the research, content analysis method was used. The results showed that the factors affecting the implementation of Fintech in the Workers' Welfare Bank include economic governance of the government, culture and education, structural arrangements, transparency and provision of facilities and incentives, which according to these dimensions, 17 components were identified.