اقتصاد و سیاست گذاری مالی

اقتصاد و سیاست گذاری مالی

ارائه مدل پذیرش فناوری­های دیجیتال در صنعت بانکداری با رویکرد صنعت 4.0

نوع مقاله : مقاله پژوهشی

نویسندگان
1 دانشجوی دکتری گروه مدیریت صنعتی، واحد قزوین، دانشگاه آزاد اسلامی، قزوین، ایران
2 استادیار، گروه مدیریت صنعتی، دانشگاه آزاد اسلامی، واحد قزوین، قزوین، ایران
3 دانشیار، گروه مدیریت صنعتی، دانشگاه آزاد اسلامی، واحد قزوین، قزوین، ایران
10.22034/efp.2026.2082978.1012
چکیده
پذیرش فناوری‌های دیجیتال در بانکداری ایران یک چالش مهم است زیرا، برخی از بانک‌ها و سازمان‌های مالی ممکن است با محدودیت‌های فنی و زیرساختی مواجه شوند که پیاده‌سازی فناوری­های دیجیتال در بانکداری را دشوار کند. هدف از انجام رساله حاضر طراحی مدل پذیرش فناوری دیجیتال در صنعت بانکداری با رویکرد صنعت 4 و تکنیک مدلسازی استنتاج عصبی فازی تحت سناریوهای مختلف است. بدین منظور روش­شناسی پژوهش رویکردی آمیخته (کیفی –کمّی) است. جامعه و نمونه آماری پژوهش به صورت هدفمند از 35 نفر از خبرگان این حوزه که با سابقه بالا و آشنایی و مسلط به مفاهیم پذیرش فناوری دیجیتال در این صنعت هستند منتخب شدند. بدین منظور ابتدا با مرور دقیق مبانی نظری و پیشینه پژوهش ابعاد و مؤلفه­های پذیرش فناوری دیجیتال در صنعت بانکداری با رویکرد دلفی فازی و نظرسنجی از خبرگان انتخاب شد. سپس با طراحی شش سناریو مختلف با روش استنتاج عصبی فازی (انفیس) به تحلیل سناریوهای پژوهش پرداخته شده است. نتایج این مطالعه نشان می‌دهد که پذیرش فناوری دیجیتال در صنعت بانکداری تحت تأثیر همزمان عوامل فناورانه، تجربه مشتری، زیرساخت‌ها، نوآوری، عوامل انسانی و فرهنگی، قوانین و مقررات و مسئولیت اجتماعی قرار دارد و مدل عصبی-فازی ارائه‌شده می‌تواند برای پیش‌بینی و بهینه‌سازی سطح پذیرش دیجیتال به‌طور مؤثر مورد استفاده قرار گیرد.

چکیده تصویری

ارائه مدل پذیرش فناوری­های دیجیتال در صنعت بانکداری با رویکرد صنعت 4.0
کلیدواژه‌ها

عنوان مقاله English

"Presentation of a Digital Technology Adoption Model in the Banking Industry with an Industry 4.0 Approach"

نویسندگان English

Reyhaneh Malekan 1
sadegh abedi 2
Reza Ehtesham raasi 3
1 "PhD Student, Department of Industrial Management, Qazvin Branch, Islamic Azad University, Qazvin, Iran"
2 "Assistant Professor, Department of Industrial Management, Qazvin Branch, Islamic Azad University, Qazvin, Iran"
3 "Associate Professor, Department of Industrial Management, Qazvin Branch, Islamic Azad University, Qazvin, Iran"
چکیده English

The adoption of digital technologies in Iran’s banking sector is a major challenge, as some banks and financial institutions face technical and infrastructural limitations that make the implementation of digital technologies difficult. The purpose of this dissertation is to design a model for digital technology adoption in the banking industry using an Industry 4.0 approach and the Adaptive Neuro-Fuzzy Inference System (ANFIS) modeling technique under various scenarios. Accordingly, the research methodology follows a mixed-methods approach (qualitative–quantitative). The research population and sample were purposefully selected and consisted of 35 experts with extensive experience and deep familiarity with concepts related to digital technology adoption in this industry. First, based on an in-depth review of the theoretical foundations and previous studies, the dimensions and components of digital technology adoption in the banking industry were identified through a fuzzy Delphi approach and expert opinions. Then, six different scenarios were designed and analyzed using the ANFIS method. The results of this study indicate that the adoption of digital technology in the banking industry is simultaneously influenced by technological factors, customer experience, infrastructure, innovation, human and cultural factors, regulations, and social responsibility. The proposed neuro-fuzzy model can be effectively used to predict and optimize the level of digital adoption.

کلیدواژه‌ها English

"
Fourth Industrial Revolution, Technology Adoption, Fuzzy Delphi Technique, Banking Industry"
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