Coherent horizontal drawing in line with technology development and financial strategy in the Iranian banking system

Today, advances in financial technologies include robotic financial transactions, payments made through Today, advances in financial technologies include robotic financial transactions, payments made through cryptocurrency-free operating systems, fundraising platforms, financial consulting, technical and robotic assistance through cyberspace, and the latest virtual coins that have recently been developed. The value of global investment in current financial technologies has been significant in recent years. Accordingly, in this study, the issue of drawing a coherent horizon in order to develop a strategy with financial technologies in Iranian commercial banks has been addressed. The statistical population of the research includes all the participants from among the experts in the number of 20 experts and academic experts in the fields of accounting, finance, management, banking and economics in the field of commercial banks in Iran who have reached theoretical saturation.. The research method is mixed (quantitative-qualitative) and all the required data and information have been collected. Then, to test the research hypotheses, it has been prepared through theoretical foundations and field investigation (distribution of 384 questionnaires). Descriptive and inferential statistical techniques such as Cronbach's alpha tests, Kolmogorov-Smirnov and structural equation modeling (SEM) have been used to analyze the data. In the qualitative part, the key criteria of the research were identified by fuzzy Delphi method. Then by conducting factor analysis and structural analysis, the results showed that each of the components of financial strategies, financial technology, conditions and features of the banking system environment, intervening factors and ...