فهرست مطالب محمد احدزاده

 The purpose of this article is to deal with the efficient market hypothesis for behavioral finance: investigating the factors influencing the behavior of investors. Investors should use new methods to understand and make better decisions in financial markets. Behavioral finance examines the thoughts, insights, and emotions involved in the decision-making processes of investors, behavioral finance tries to prove why financial markets are inefficient, also behavioral finance looks for the impact of psychological processes, sociology, neuroscience and institutional factors in investors' decisions. current research is a developmental application in terms of its purpose, and a descriptive survey in terms of collecting data and information. research variables are: speed of information dissemination, consumer behavior, timely information dissemination, general information dissemination, logical behavior and emotional behavior of investors. The socio-statistics of the research includes data collected from 160 capital market participants in the form of a questionnaire. In the present study, SMART PLS3 software was used to analyze the collected data from the structural equation model. The results of the research indicate that investors should pay attention to variables such as the speed of information spread and the mentioned variables in their investment decisions, because it has a significant impact on their decisions.

generally all providers of financial technology services, especially in the banking industry, in an effort to provide modern banking services according to the daily needs of customers, banks, including the main institutions, can look for leading technologies in the field of providing financial services. Modern banks Regarding to the provision of leading financial services in the financial and investment fields, especially in the banking industry and all matters related to financial affairs.In this article, we intend to examine the impact of fintech on the way financial services are provided to consumers in the banking industry. In this article, Cronbach's alpha coefficient is used to check the reliability of the questionnaire designed based on the views of 60 consumers of banking financial services, and also by using the SWOT model to analyze and provide suggestions according to the results obtained regarding We discuss the strengths, weaknesses, opportunities and threats in the use of fintech in the banking industry.Finally, we test the research variables using the linear regression model. despite the fact that doing this work by banks may expose them to risks such as the security of users' information, but on the other hand, this threat can be turned into a strength by designing the right system. According to the estimation made from the above model, the results of the research indicate the confirmation of the hypothesis of the research that the use of modern financial technologies leads to the provision of services with safety, ease, transparency and greater consumer satisfaction.