smart economy

The industrial revolution has affected the economy and various industries. Technology is the main factor of the fourth industrial revolution, which has a significant impact on tourism. The development of information technology and intelligence has led to the transformation of the tourism industry and creates a lot of competition and makes many developers of the tourism sector to engage in real innovations to attract tourists. Therefore, to investigate the smart economy in tourism, this study tries to evaluate the indicators of the smart tourism economy in Iran by using a model based on the best-worst multi-criteria decision-making method. For this purpose, first, by studying the research literature and the opinions of experts in the field of tourism, the effective dimensions and indicators of the smart economy in the tourism industry have been determined. According to experts, the best-worst method, increasing attractions and activities is the most important criterion in the economy of smart tourism. In addition, creating new markets for selling domestic products and using information technology are placed in the second and third priorities, respectively. The results of this research show that managers of the tourism industry should focus on increasing attractions, introducing services related to tourism information through smart tools, using online markets or e-commerce and making more use of the information technology platform.

The main purpose of the study is to explore the important issues and their relations to present a pattern for design and development process of financial services with a competitiveness approach in Iran banking industry. The study applies mixed method as its methodology. The qualitative section approach is based on Grounded Theory strategy. The data-collection instrument consists of semi-structured interview with twelve research and innovation experts and managers in banking industry selected through purposeful as well as snowball sampling. Dimensions and components of design and development process of financial services were extracted and compiled in a Grounded Theory conceptual model. The main phenomenon, process design and development services in the field of banking. Lastly, the final model were formulated and presented with regard to casual, intervening and contextual conditions as well as strategies and results. In quantitative section, the data was collected by a researcher-made questionnaire consisting of 236 items and the descriptive-survey method was used for analysis and explanation of proposed pattern. Finally, the findings of the study shows that the managers and policy-makers of banking industry should consider all casual, intervening and contextual conditions as well as strategies and outcomes for successful development of banking modern products and services; They also should step into the identified phases of modern service development with a competitiveness and market-based approach.