A model for controlling risk of crowdfunding service (Case study: Mellat Bank)

This paper uses the crowdfunding structure as an alternative digital economy solution or the Manifesto of Dynamic Technological and Financial Investment, which in fact includes both dimensions, for financing and provides a model for controlling perceived imaginary risks.The main factors in creating risks for crowdfunding, including risks of the sponsor, the applicant, infrastructure and information exchange, and the components of each were identified through qualitative studies. Since banks and their subsidiaries have the necessary potential to operate in this field and are involved in some way due to new approaches in business, banks should consider integrating the "crowdfunding" structure with their services. To use this approach in their business ecosystem, so the research was conducted in the context of one of the developed banks in Iran in terms of banking services. In order to test the findings of this descriptive study, data collection method was used through a questionnaire at two levels of experts (Delphi team) and general and raw data were analyzed using statistical techniques. In order to validate the model, the structural equation method has been used. Based on the results of statistical studies, all factors had the necessary validity and financial support and infrastructure had the greatest impact on the risks of the tested model, and therefore in the implementation of the model with more sensitivity can be monitored these two factors.