فناوری مالی

Financial technologies, as emerging global phenomena, have extended people's financial relationships beyond the borders of countries and have placed a new financial ecosystem in front of contemporary people without the need for centralized infrastructure. Hence, profiting from these technologies and minimizing their risks requires more research. Therefore, the current research seeks to explain, identify, and evaluate the effective dimensions of decentralized insurance for businesses in the field of financial technology based on blockchain and artificial intelligence.

The approach of the current research is a mixed method. Within the qualitative stage, the Grounded Theory Method was utilized, and within the quantitative stage, the descriptive-correlation method was used. For analyzing the qualitative data obtained from the interviews, we used open, axial, and selective coding techniques. Qualitative findings were analyzed by MAXQDA software, and in conclusion, a conceptual model of decentralized insurance for businesses in the field of financial technology based on blockchain and artificial intelligence was extracted. In the quantitative stage, validation of the model was done using the structural equation modeling method with the partial least squares method using PLS software.

A total of 424 codes extracted from 14 semi-structured interviews with experts in the research field were converted into 47 concepts, and finally, 21 categories were identified. Quantitative findings also indicate the confirmation of all hypotheses of the proposed model.

The results of the research show that one way to benefit from financial technologies and minimize their risks is to study the insurance industry. Based on this, the codification of laws and regulation of decentralized insurance and transformative technologies, the strategies development of research through new technologies such as blockchain and artificial intelligence will lead to the results of research and ultimately digital transformation in the insurance industry.

The purpose of the current research is the application of blockchain with a comparative approach of its effect on risk, flexibility and evaluation of internal control. This research is applicable in terms of purpose, and descriptive-analytical in terms of method and data collection method. The statistical population includes managers, senior experts, and employees of the Iranian Auditing Association and audit institutions, among which 306 people were obtained based on Cochran's formula. The validity of the questionnaire was confirmed using the content validity method. Cronbach's alpha coefficient was calculated to evaluate the reliability of the questionnaire; it was more than 0.7, which indicates the reliability of the questionnaire; and SPSS and Smart-PLS software were used for the relationships between research variables. The results of the research show that the lack of a specific protective framework in blockchain has a negative and significant effect on the management of internal audit control; internal audit control management has a positive and significant effect on improving risk management and financial performance of the company; internal audit control management has a positive and significant effect on increasing the financial flexibility of internal audit; and internal audit control management has a positive and significant effect on the improvement of internal control evaluation.

The aim of the current research is to provide an evaluation model of financial technology policies in the National Bank of Iran. According to its purpose, the research method is applied-developmental, mixed (qualitative-quantitative) in terms of implementation, and survey-cross-sectional in terms of nature and method. The statistical population of the research in the qualitative part includes 17 managers with the experience of National Bank of Iran and using the purposeful sampling method, and in the quantitative part it includes the managers and experts of the National Bank of Iran, with the sample size of 156 people using Cohen's power analysis and using the simple random sampling method. were chosen. Data collection was done in the qualitative part of semi-structured interviews and in the quantitative part of the questionnaire. The underlying categories of the research were identified by the grounded theory method and the final model was validated by the partial least squares method. Qualitative data analysis was done with MAXQDA20 software and the quantitative part was done with Smart PLS. The research findings showed that based on the research paradigm model, external evaluation, internal evaluation, and evaluation of bank stakeholders have an effect on fintech executive policies. On the other hand, the bank's marketing performance provides background conditions and technology-based risk is also an intervening factor. Finally, the development of fintech and digital banking can be achieved with technological and financial strategies. Also, the GOF index was found to be 0.659, which indicates the good fit of the model.

In recent years, the financial management landscape has endured substantial changes, particularly in the field of Small and Midsize Business (SMB). This advancement is mostly attributed to the growth and spread of financial technology (FinTech) and the global push towards financial inclusion. The achievement and sustainability of small and midsize businesses depend on the financial behavior of their managers. In line with small and midsize businesses, financial inclusion can act as this driver and potentially change management behaviors, particularly in areas such as financing and investment decisions. FinTech speeds up financial inclusion by offering easier access to financial services for small and midsize businesses. Preceding studies have distinctly examined the effects of FinTech or financial inclusion on financial behaviors. Alternatively, small and midsize businesses play an important role in Iran's economy and account for a significant share of employment and GDP. The financial behavior of the managers of these businesses is very important in their success and sustainability. On the other hand, financial inclusion and financial technology can influence managers' financial behavior. Nevertheless, few studies in Iran have examined the effect of financial inclusion and financial technology on the financial behavior of small and midsize business managers. Consequently, conducting such research seems necessary.

The purpose of this research is to provide a model of recognition and evaluation of factors affecting the acceptance of fintechs. The statistical population included experts and experts in the banking industry, who were selected as participants in the research using a targeted sampling approach. The data was collected by interview method with general guidance method and in a semi-structured way. In order to obtain the reliability and validity of the data, two methods of reviewing the participants and also the review of non-participating experts were used in the research. The reliability of the model was evaluated using the Kappa index. The value of Kappa index equal to 0.748 was calculated and it was placed at the level of valid agreement. Interviews and coding were analyzed using Maxqda software. Finally, based on the identified final criteria, the model derived from the foundation''s data analysis method is presented. Based on the results of open coding of qualitative data collected using the interview tool, it can be seen that 60 open codes have been identified among 434 parts of the interviews. All the created codes are reviewed again and compared with the texts so that nothing is missed. In the results of core coding, it can be seen that 60 primary codes are in the form of 15 categories of evaluation and monitoring, public trust and security, interaction and communication, human and social development, satisfaction, infrastructure, administrative and organizational health, transparency and accountability, and core justice. , financial factors, information technology, efficiency and effectiveness, quality of laws and regulations, quality of electronic services and participation are categorized.

Taking advantages of the oppurtunities that financial technology has created for new ventures require a new approach of entrepreneurial leadership. In this regard, the aim of this study is designing entrepreneurial leadership model in financial technology (FinTech) sector. The present study is an applied research that is conducred with mixed method approach. The strategy of qualitative part of research is content analysis and also quantitative part is survey and correlation. The statistical population of qualitative section includes 14 experts in the field of study. In quantitative section the views of 159 executives in FinTech have been used. The data collection tools are semi-structured interview in qualitative part and questionnaire in the quantitative part. For analyzing data in qualitative part the process of coding and summarizing was performed, and in quantitative part structural interpretive modeling (ISM) and partial least squares techniques have been used. The results show that cultural and social changes along with personality traits of entrepreneurial leaders are underlying factors in the model. These factors influence technological changes and the support of regulators, and in turn improve the managerial and knowledge capabilities of leaders. In this way, leadership and entrepreneurial skills are expected to improve simultaneously. Therefore, the achievement of innovative, technical and financial performance goals will be realized.

Most of the foreign and domestic academic investigations have been limited to the general introduction of fundamental concepts of Fintech business models, and comprehensive research of their challenges has not been presented through the review methods. Therefore, the aim of present study is to fill the scientific gap in this area by reviewing the challenges of each Fintech business model and depicting a paradigm model of their relationship to create a conceptual network between studies.

In line with the research objectives, this research has used the systematic literature review (SLR). Each systematic review consists of eight main steps. For this purpose, by referring to English and Persian articles published in valid foreign and domestic databases, in all spatial zones and in the period of 2014-2021, the large number of initial articles were identified. By obtaining 44 articles eligible for the entry criteria, among screening sampling method, a systematic review of the research was started and with the help of qualitative content analysis, the intended semantic codes were extracted. Then, with the help of inference, which is the main research tool in content analysis; Extracted codes of synthesis and concepts related to the theoretical body of fintech challenges were obtained. In order to analyze the selected articles, Shannon's entropy content analysis method has been used for identifying and ranking the codes and concepts. Also, to clarify whether the categories obtained from the challenges of foreign platforms are generalizable to other developing countries, such as Iran; The related domestic scientific literature was referred to in order to obtain more reliable results by comparing the findings of these two categories.

According to the findings obtained from the review of forty four selected articles, twenty four concepts from combination of thirty eight codes led to the emergence of eight categories of main challenges of fintech business models which are presented in the form of paradigm model with different dimensions of Fintech challenges. Based on this diagram, regulation, immoral problems, customer support, gaining customer trust, financial problems, technology, safety and business environment are the most important challenges that fintech companies are facing in this century.

Results show that the lack of a detailed regulatory framework by governing institutions, along with the problems of information security and existing operational risks, has faced the development of Fintech business models with significant challenges. In other words, the challenges caused by the regulatory factors eventually end up in financial problems and the provision of capital resources, and ultimately result in failure and decline for these companies. In addition to all the challenges of fintech development in the international environment, economic sanctions, lack of support for inventions, inefficient and insufficient human resources and inaccessibility of capital sources are special problems that makes development process of Iranian fintechs harder than it is.

Traditional banking needs new fintech innovations and technologies to improve its processes and services. Various factors affect the cooperation of banks and fintechs, some of which are related to banks and others to the banking environment.The purpose of this study is to identify and analyze the strategic factors affecting the cooperation of banks and fintechs in Bank. The present study is applied in terms of orientation and has a quantitative nature in terms of methodology. Two methods of fuzzy Delphi and fuzzy dematel were used to analyze the data. The fuzzy Delphi method was used to screen the strategic factors of the research and the fuzzy dematel technique was used to identify the most effective factors. Two tools of interview and questionnaire were used to collect data. The research questionnaires were:Fuzzy Screening Questionnaire and effect analysis Questionnaire. Initially, through literature review and interviews with experts, 28 strategic factors were identified.These factors were screened by fuzzy Delphi technique.10 internal factors and eight external factors had a defuzzy number greater than 0.7 and were selected for analysis with fuzzy dematel.Analysis of internal factors with fuzzy dematel showed that the factors of the nature of the needs of the bank's customers,the future thinking of the bank's senior managers, the culture of risk-taking between managers and senior experts and the agility of the bank's structure and processes have the most net effect In relation to external factors, the factors of intensity of competition between banks, effective factors on the cooperation between banks and fintechs.

Today, digital solutions are used to facilitate wealth management processes, which is referred to as wealth management technology (Wealthtech). Wealthtech have led to a change in the traditional socio-technical regime, which is explained by the concept of transition. This study aims to investigate the transition with the analytical framework of the technological innovation system. Previous researchers, by studying renewable technology, have identified seven functions for a technological innovation system and demonstrated how the system works. Because the transition of the wealthtech is a short-term transition compared to the transition to renewable technologies, the wealth management technology innovation system has different functions from the renewable technology innovation system. At the same time, Iran, as a developing country, has a following position compared to developed countries, which leads to differences in the functions and performance of the system. This study has used the qualitative research method and content analysis strategy to investigate the wealthtech transition with the analytical framework of the technological innovation system. In this regard, by studying the reports, materials and interviews published in financial and fintech media during the period 1394 to the end of 1399, the opinions of activists in this field in Iran have been reviewed and analyzed, and finally 9 functions of providing technological infrastructure, communications and Networking, information and knowledge exchange, policy and legislation, citizen awareness and financial citizenship formation, financing, human resource development, research and development as well as innovative activities have been identified.

Financial technology has completely transformed the financial industry. The benefits and of fintech for the financial industry and consumers have not been without challenges. Considering that most Iranian fintech operate in the field of payment, the current research seeks to identify and manage the challenges of payment fintech. The present study was conducted in three stages. In the first step, the challenges of financial technology were identified and screened. To identify the challenges, literature review was used and to screen them, two methods of theoretical screening and Binominal test were used. In the second step, the selected challenges were analyzed by fuzzy dematel technique. Four challenges of fee system, regulatory, security and lack of support of fintech by regulators were respectively identified as the most effective challenges. In the third step, by using the SAST, solutions for managing each of the challenges were presented. Reforming the fee system and the regulation of the central bank are the most important solutions for managing the first challenge. The clarity of the regulatory body and the development of a regulatory sandbox is one of the solutions for managing the regulatory challenge. Using the services of APA centers helps to manage the security challenge.

The purpose of this study is to investigate and provide a model of the impact of environmentally friendly behavior of employees on environmental performance. The current research is applied in terms of purpose and descriptive survey in terms of nature and method, which was conducted in a retrospective manner. The statistical population of the research is all the personnel of the football federation, 153 people, who were examined as a total number. The research tool is the standard questionnaires of green human resources management (Sakhawalkar and Tadani, 2013). Amos software was used for analysis and relationships between variables. The results showed that green human resource management is effective on employees' environmentally friendly behavior and environmental performance, and the obtained model has sufficient fit. Therefore, environmental management methods affect the organizational commitment of employees. Managers should hire people with appropriate skills and abilities to create green knowledge learning areas in the organization. Provide green culture training opportunities for employees and expose employees to various training programs.

Wealthtech or financialtechnology of wealth management helps investors to make better decisions about when and how to invest; and seeks to shift savings and investments to the capital market and balanced the money and capital markets. This study examines the transition of wealthtech in Iran. Transition refers to the process of creating and replacing a new technology and its acceptance by the community. For the analysis of the transition, the multi-level perspective analytical framework was used and the interactions of actors and institutions with technology at different levels are analyzed. The transition to wealthtech has been studied through a qualitative and narrative research method, and data have been collected through the study of regulations and policy documents, as well as press interviews and press reports published in fintech media. 252 reports were reviewed, of which 118 reports were related to the discussion and the opinions of 36 experts were analyzed. With the studies, the functions of the financial system of wealth management were identified. By analyzing the behavior of actors who performing the functions against technological developments and institutional changes, the typology of the transition was determined as reconfiguration path. The reconfiguration path follows the innovation overflow pattern and caused changing the architecture of the regime. In the end, the public release of information and informing to citizens should also be followed Simultaneously with the provision of conditions for providing innovative services. Through the simultaneous reinforcement of the supply side and the demand side, the optimal transition will be possible.

Technological innovation in the financial industry created the financial technology ecosystem. With the advent of artificial intelligence, the technology and financial worlds are intertwined to allow smarter financial processes to enable managers to make smarter decisions. It is not a fixed method of using the machine and accurate prediction of the test results using the machine algorithms is challenging. Much research has been done on the specific management of the customer experience, but research on financial technology in the artificial intelligence and machine industry in the sense of constructing a theory that can create a customer experience is a subject that pays less attention to. . This article, by reviewing 75 articles and summarizing it in 41 research articles, has examined the subject of the present study. In order to predict the presentation of theory, research method is a fundamental theory. The purpose of this article is to cover the gap of studies through which a research path is studied and the field of financial technology and artificial intelligence is examined. Findings show that what is done in extraordinary networks can be divided into five main parts of innovation. The findings provide a good way to address some of the issues in financial and artificial technology research for knowledge management experience through the possibility of providing a customer performance model.

The present study seeks to identify the future of project-oriented organizations active in the financial services industry via the Scenario Planning Approach.

The present study is pragmatic in terms of philosophical foundations, applied in terms of orientation, and a survey in terms of data collection. Regarding the use of qualitative and quantitative methods, it has a mixed methodology. In this study, the Binomial statistical test was used to screen key drivers, modified fuzzy VIKOR method was applied for Key driver analysis, CATWOE was used to map research scenarios, and SECA technique was applied to determine probable Scenarios.

In this study, 25 drivers were obtained through reviewing the literature and conducting interviews with experts. These factors were screened using the Binominal test. In this step, 17 drivers had a significance coefficient, i.e. above five percent, and were removed from the analysis. The remaining eight drivers were examined using modified fuzzy VIKOR. The two drivers i.e. the legal environment of the financial services industry and the type of interaction of traditional financial institutions with fintech had the highest priority. Based on these two drivers, the four scenarios of Dreamland, Paranoia Age, Baseless World, and Ice Age were developed for the future of project-based organizations in the financial services industry. Each driver had two opposite modes. Four scenarios were constructed from a combination of different situations of research drivers. Finally, using the SECA technique, the Baseless World scenario was selected as the most probable one. Also in this study, the scenarios of the Dreamland and the Ice Age were optimistic and pessimistic scenarios, respectively. The probable scenario was an interstitial one between two optimistic and pessimistic scenarios.

Finally, the research proposals were developed based on the most probable and worst scenario with a negative dialectical approach. The common denominator between the two scenarios (probable and pessimistic) was the dispersion of rules and standards in the financial services industry. Therefore, research proposals were developed around legislation and regulation in Fintech and the financial services industry.

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.

In the last decade, we have encountered a new type of start-up companies which have used high digital technologies to provide innovative services in the financial industry. The purpose of this reseach was to answer this question what are the point of views of venture capitalists when making decisions in the first stage of investing in startups in Iran? This research is applied in terms of purpose, qualitative in terms of data collection. In-depth interview and observation data were analyzed and interpreted through the grounded theory methodology. For collecting data, 17 venture capital managers in the field of financial technology services who had at least once a history of investing in start-ups, targeted as a statistical population.The results showed that there were two main types, including investors with a strategic perspective and with a financial perspective, and each group can be divided into three subtype with different viewpoints and criteria in the field of investment in financial technology, which need to be considered by start-ups.

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.