سروش معتمدی فرد

Technological changes lead to new challenges and opportunities in various industries. The inability of organizations to adapt their business models to these changes may lead them to leave the market. The banking industry is no exception, and regulatory financial technologies are one of the most important technological trends in recent years. Concerning the widespread impact of these technologies on the banking industry, investment in regulatory financial technologies has a great importance. Therefore, identifying and investigating factors affecting investment in new product development in the field of financial technology with a supervisory approach is necessary. in order to implement the results of new research and to help solve such problems. The purpose of this research is applied and is a descriptive-survey method. Factors Influencing New Product Development Investment in Regulatory Financial Technologies Extracted from Literature Review and Opinion of Banking Industry Experts in Tejarat Bank and the approved questionnaire is distributed in the community of experts and the results are analyzed by confirmatory factor analysis and structural equations using Smart-PLS3 software. In this study, 4 main factors were identified and confirmed with 29 factors all of which are important. All key identified factors have a significant impact on investment in development of new financial technology products with a regulatory approach.

In today's fast-paced and highly uncertain environment where customer needs, technology, employee needs, community status, monetary systems, geographic location and everything are changing, companies cannot always rely on the production and supply of their existing products. A new product development strategy is an important activity that helps companies stay alive and make continuous improvements. However, most organizations consider these factors static and disregard these dynamics. Since the relationship between the factors contributing to the success of new product development has many dynamics and feedbacks, the systems dynamics tool is a useful tool to analyze in this area. In this research, in order to identify and analyze the dynamics of the factors affecting the success of a new product development, based on the theoretical background and opinions of industry experts, key variables in the field of new product development have been identified and the causal relationships between these variables are outlined. Accordingly, the system simulated in Tejarat Bank from 1392 to 1404. The results of the simulation and review show that considering the considered policies optimizes the new product development of regulatory financial products in the aforementioned organization.

The emergence of emerging technologies in recent years and the conduct of banking operations on various platforms, which is an evolution of the banking ecosystem, necessitate explaining the factors influencing new product development in the field of financial technology to apply regulatory compliance with international standards. One of the differentiated aspects of new products and services is the observance of the standards that are required in the banking industry. Therefore, in order to help solve the existing problems, it is necessary to identify and investigate the factors affecting the development of new products in the field of financial regulatory technologies. The purpose of this research is applied and is a descriptive-survey method. Affecting factors extracted from the literature review, opinion of banking industry experts in Tejarat bank and the approved questionnaire distributed in the community of experts, and the results analyzed by confirmatory factor analysis and structural equations using Smart-PLS3 software. In this study, seven main factors with 46 sub factors influencing new product development in the field of regulatory technology identified and it was confirmed that all key identified factors had a significant impact on the development of new financial regulatory technology products.