Presenting a circular business model for small and medium companies based on the enabling role of fintech

The purpose of this research is to provide a circular business model for small and medium companies based on the enabling role of fintech. In this research, the opinions of 25 managers and experts of small and medium sized companies active in the automobile industry, located in Tehran province, as well as university professors, were used in this research using a purposeful judgmental method. The process of data analysis was carried out in two stages: identification of model components through the interview tool and using thematic analysis method, as well as component screening through the questionnaire tool and the fuzzy Delphi method. According to the findings of the research in the phase of identifying the components using thematic analysis and during the phase of getting to know the data, 87 cases of speech evidence were identified from the text of the interviews in the form of 47 initial codes, 12 sub-themes and then, A main theme was categorized. In the Delphi phase, all the components were approved by the experts and finally the research model was drawn. The research results showed that the final research model includes 12 main dimensions of value creation processes; partnerships and collaborations; Offers; value delivery processes; revenue mechanisms; target customers; general benefits; value propositions; value for partners; value for customers; Cost structure and financing options.