جستجوی مقالات مرتبط با کلیدواژه « صنعت بانکی » در نشریات گروه « مدیریت »

Endogenizing windows of opportunity in an industry can be analyzed and evaluated through using the Technological Innovation System (TIS) approach. In this regard, the purpose of this study is to identify and evaluate the functions and mechanisms needed to endogenize blockchain windows of opportunity in Iran’s banking industry. To this end, this paper employed a quantitative approach, survey research strategy, a questionnaire tool for data collection, and confirmatory factor analysis for data analysis. The sample is selected from experts who are proficient in the banking industry and blockchain technology. Findings of this study indicate that mechanisms such as internal project research by banks (knowledge creation function), increasing the diversity of actors and their interactions (knowledge diffusion function), using international platforms instead of local platforms (market orientation function), internal operational and research projects (technological entrepreneurship function), the need to determine the orientation of blockchain development by obtaining the views and needs of leading users by the Central Bank as a key player (search orientation function), removing business barriers (shaping market function), the entry of fintech companies into business development (legitimation function) are important for endogenizing blockchain windows of opportunity in Iran's banking industry.

While this study identifies the most important key indicators that influence the banking industry, it also attempts to provide a forecast for the Iranian banking industry in the future. Scenario planning and cross-impact matrix are used in this study. Among all the identified factors, 29 key factors influencing the future of the industry were selected through a fuzzy analytical hierarchical process and then the impact of each of these factors was determined through analysis of the cross-impact matrix. The cross-impact balance was then used to write scenarios.Accordingly, of all combined scenarios, the most likely strong scenarios were clustered into five general categories using K-mode clustering. Finally, four scenarios were identified, including optimism for the bank, banking industry development, inflationary conditions and sanctions. It was therefore possible to define action plans for each of the scenarios.

Given the complexities, sensitivities, and extent of the banking system, it is necessary to identify the various dimensions of this industry from different perspectives. One of the key points in this field is the introduction of new technologies, recognizing the effects and opportunities resulting from the influence and acceptance of these technologies. As one of the most attractive and emerging technologies, block-chain can potentially change the businesses, roles, and structures of the banking industry. For this purpose, this research aims to identify the windows of opportunity of blockchain technology and its impact on the Iranian banking industry by using a qualitative approach and content analysis method. Therefore, in order to collect data, library studies (research articles, books, and other scientific documents from reputable databases) and field studies (semi-structured interviews with experts in the field of block-chain technology and banking) have been used. The findings of this study that are based on three windows of opportunity (market and demand, technology, policy, and institutional) indicate that elimination of intermediation, decentralized services in the field of authentication, and information sharing can be considered as a window of opportunity for demand. The ability to innovate and adapt to current banking services using the block-chain private network for major players and the block-chain public network for fin-techs is one of the issues associated with technology windows of opportunity. Also, the instructions issued by the Central Bank in the field of cryptocurrencies, international sanctions that, despite creating problems and restrictions, provide an incentive to provide some banking services such as international money transfers have been identified as policy-institutional windows of opportunities

In current dynamic and often turbulent work environment, information technology becomes an effective competitive advantage that organizations largely rely on it. Due to this affiliation, the importance of integrity and accommodation between the information technology strategies and business strategies in organizations has been increased. This alliance is the initial aim of the governance of information technology. The purpose of this study is evaluating and comparing the maturity of information technology governance of organization that are active in financial services sector (state and private banks). In order to measure and compare the maturity of IT governance of Iranian banks in adaption of business strategies, IT governance and COBIT4.1 framework has been used. In this study, data have been collected from 17 large state and private banks. The results suggest that private banks, due to structure type and maturity of IT governance and organizational strategies, have higher degree of maturity (1.98) in applying the technology and compliance with IT compare to state banks (1.60)