مجله مدیریت نوآوری
سال دهم شماره 4 (پیاپی 38، زمستان 1400)

One of the most important and effective components to improve the performance of knowledge-based companies is financial resourcing. The main obstacles in the growth and development of new technology Based Firms are limitations of financial resources and lack of access to sufficient financial resourcing at the right time in accordance with their growth and development. This study was conducted in order to identify financing challenges of new technolpgy Based Firms in Iran. Participants were knowledge-based companies. This is an applied research and the exploratory mixed method is used. Data were selected using purposeful sampling and by means of Snowball sampling method. The statistical population was new technolpgy Based Firms and Financing funds and Facilitating institutions and Politician which are selected by simple random sampling. The validity and reliability of the results in the qualitative part were evaluated and confirmed using the exploratory mixed method. The data were analyzed in the qualitative part by using the thematic analysis and they were analyzed in the quantitative part by using T-test. Based on the results, organizational and professional weaknesses of knowledge-based companies, risk aversion and poor performance of existing financing funds, lack of funds and credit guarantee insurances, social and cultural weaknesses for partnership and investment, knowledge-based products market problems, infrastructure issues (political,legal, executive, etc.) are the most important financing challenges of knowledge-based companies.

Today in Iran, events such as economic sanctions, inflation and unemployment have reduced the purchasing power of consumers and on the other hand, producers have faced problems in supplying raw materials and production costs. In this situation, small and medium industries need more attention than large industries, because these industries, despite their flexibility and job creation, need innovation to stay competitive. In this situation, frugal innovation can be appropriate, which also pays attention to sustainability and creating benefits for society. Therefore, the purpose of this paper is dynamic modelling of frugal innovation enablers in small and medium-sized home appliance manufacturers. First, by reviewing the literature, the enablers were identified and provided in a questionnaire to 200 industry experts. By exploratory factor analysis, the factor loads were determined and finally, dynamic modelling of variables was performed. According to the results, one of the most important enablers in frugal innovation is management support, which leads to the use of local capacities and the application of a modular approach in production and reduces the cost of access to factors of production. Investment in research and development will lead to the identification of cheaper raw materials, creative and safer designs, and attention to social and environmental issues will also contribute to the goals of this innovation.

The purpose of this study is to identify the factors affecting creativity and innovation of military personnel using a meta-analysis approach. This study is a quantitative research and has been done based on meta-analysis approach. In this regard, the related articles published in research journals, in Persian and English, were reviewed. Regarding to the input and output criteria, 18 studies used the meta-analysis, were analyzed using CMA 2 software. The findings show among antecedents of creativity and innovation in Military Organizations, 1 item (7%) had an effect size of less than 0.3, 4 items (27%) had an effect size of 0.3 to 0.5 and 10 items (66%) had an effect size greater than 0.5. Factors such as learning, the quality of the education system, psychological empowerment, organizational culture, knowledge management, organizational conditions and leadership style have the highest effect size and motivational needs as respect and self-actualization have the lowest effect size. Military organizations emphasizing factors such as ability to innovate, leadership style and culture and by ways such as holding meetings, conferences, workshops, and justifying and developing a learning culture, could increase the motivation to produce new and practical ideas for their employees.

The approach of cluster development as one of the new strategies of industrial development in the last two decades has been considered by policymakers. The business clusters as a spatial focus of firms with shared opportunities and threats, in order to survive in a turbulent competitive environment, requires simultaneous attention to exploring future opportunities and exploiting current capabilities. Ambidexterity in business clusters as open systems with complex economic and social links requires recognizing the interaction between actors and paying attention to their preferences. This research is descriptive in terms of data collection and qualitative in terms of data type which is based on the study of articles, policy documents, reports and conducting interviews with experts. Due to the complexity of the conflict between actors, using a game theory model called graph model, interactions and preferences between different actors of the ambidextrous business clusters are modeled and analyzed and based on it, and the most probable results are presented. The results of the model show that the government, business clusters and scientific and research centers are three actors that are in a new equilibrium state with unilateral improvement, while financing institutions and business development service providers are not in a new equilibrium state.

In this research, an attempt was made to provide a model for e-banking services innovation based on dynamic capabilities. Research Method The present research is a combination research method of consecutive-exploratory design. The statistical population of the present study is experts and experts in the field of electronic banking. In the present study, a purposeful approach is used in selecting a qualitative research sample. Data collection tools in the present study were Delphi questionnaire and multi-criteria decision making questionnaire. For data analysis, two techniques of fuzzy Delphi and fuzzy DEMATEL were used; In a way that based on theoretical foundations and empirical research in the field of innovation and dynamic capabilities, important indicators of these two areas in relation to e-banking were extracted. The fuzzy Delphi results finally yielded 13 indicators for service innovation and 17 indicators for dynamic capabilities. Service innovation indicators and dynamic capabilities based on theoretical foundations are classified under 11 criteria and entered into fuzzy DEMATEL analysis in the form of a general concept. The results of fuzzy DEMATEL categorized the criteria into two groups of effective and efficient, so that 6 criteria in the group of effective criteria and 5 criteria were introduced as effective criteria. Accordingly, the reorganization of the service delivery system is the most effective, and the conceptualization is very effective.

As Fintech is an emerging and growing industry in the world and consequently in the country, it faces various economic, political, cultural and social challenges in its development path, some of which are related to country’s economic and technological laws and regulations. Therefore, the present article has been written with the aim of reviewing and introducing the challenges of upstream documents in relation to the fintech industry. The research strategy of this paper is thematic analysis during which by studying the relevant documents and coding the selected clauses, the opportunities and threats of individual documents in relation to each of the ecological dimensions of the country's finitech industry have been identified and after presentation, have been approved by the elites. The findings of this study indicate the dominance of the restrictive and binding spirit over the laws and regulaions which is somehow acceptable given the industry’s newness in the country, but in the future, it is necessary for these documents to be more encouraging and motivating for businesses and entrepreneurs to ease their entry to the market. Also, according to the analysis, legislation and regulation has not grown in a balanced way in all dimensions of Fintech industry, while most of the existing laws concerns with the payment businesses and other Fintech areas has been neglected so far. Also, in addition to not covering all areas and dimensions of the monetary and financial technologies ecosystem, existing documents face serious challenges in issues such as determining the scope of responsibilities and powers of the central bank, risk coverage of users and investors, transparency and standardization of information flow in Fintech ecosystem, creating a balance between facilitating the replacement of financial technologists with traditional institutions such as banks, stock exchange investment companies and insurance, and other issues that are highly contribute to stabilization and development of this emerging ecosystem.