پديد آورندگان :
شاه حسيني، محمدعلي دانشگاه تهران - دانشكده مديريت - گروه بازرگاني , كيماسي، مسعود دانشگاه تهران - دانشكده مديريت - گروه بازرگاني , شامي زنجاني، مهدي دانشگاه تهران - دانشكده مديريت - گروه فناوري اطلاعات , حقيقي خواه، مريم دانشگاه تهران - دانشكده مديريت
چكيده فارسي :
هدف: امروزه، با ظهور فناوري‌هاي جديد و ايجاد تغييرات گسترده در رفتار مشتريان، صنعت بانكي دستخوش تغيير ساختار و رويكردهاي سازمان‌دهي فرايندهاي تجاري شده است. تحولات فناوري، الزامات قوانين و مقررات و بحران در اقتصاد در كنار تغيير انتظارات مشتريان، ضرورتي براي ايجاد تحول اساسي در نظام بانكي است. با در نظر گرفتن اين عوامل، بانك‌هاي سنتي، با چالشهاي نوآوري در فرايندهاي خود مواجهند. در اين ميان، شركت‌هاي فين‌تك با بهره‌مندي از فناوري‌هاي ديجيتال، خدمات نوآورانه‌اي را براي مشتري‌مداري بيشتر عرضه كرده‌اند كه در مواقعي بسيار كارآمدتر از بانك‌ها بوده است. همكاري ميان اين دو نهاد، در قابليت‌هاي هر طرف و آورده‌هاي آن براي طرف مقابل ريشه دارد و به اشكال گوناگون انجام شده است. در اين مقاله با برشمردن عوامل اثرگذار بر الگوي همكاري بانك و فين‌تك، راهبردهاي همكاري بانك و فين‌تك بررسي شده است.
روش: براي دستيابي به هدف پژوهش، روش مرور نظام‌مند ادبيات پژوهشي مدنظر قرار گرفته است؛ از اين رو با استفاده از چارچوب بيانيه پريزما، 986 مقاله انتخاب و طي دو مرحله پالايش، در نهايت 41 مقاله براي مرور نظام‌مند انتخاب شد.
يافته‌ها: 43 مؤلفه به‌عنوان عوامل مؤثر بر شكل‌گيري الگوهاي همكاري در قالب 11 سازه و 4 مقوله اصلي شامل مشخصات طرفين، ويژگي‌هاي ارتباطي، مقتضيات همكاري و عوامل كلان صورت‌بندي شد.
نتيجه‌گيري: در پژوهش حاضر، عوامل زيادي به شكل‌گيري الگوي همكاري بانك و فين‌تك منجر شد؛ از اين رو نبايد آن را پديده‌اي ساده انگاشت و بايد به مفهوم چندبعدي اين پديده پيچيده با توجه بيشتري نگريست.
چكيده لاتين :
Objective
With the advent of new technologies and the changing behavior of customers, the global banking industry needs to take on the challenges of innovation in its processes. Changes in technology, regulatory requirements, and the crisis in the economy along with changing the expectations of customers are the requirements for a substantial change in the banking system. Using digital technologies, fintech companies have offered innovative services to enhance customer satisfaction, in some cases proving more efficient than banks. The bank-fintech collaboration, which comes in various forms, relies on the capabilities of each institution and the cooperation’s benefits for each of them. Such collaboration has attracted the researchers' attention to the extent that a considerable number of papers have focused on fintechs despite its novelty. This study aims to review the existing scientific papers and their achievements regarding bank-fintech collaboration. This study focuses on the necessity, drivers and benefits, risks, obstacles, and types of bank-fintech collaboration in scientific papers.
Methodology
The present research is conducted based on the systematic literature review method. For this purpose, the related literature was systematically reviewed over a period of 7 months. At first, after specifying the subject of study, the research question was developed in accordance with the research design. Then the research protocol was designed and an appropriate mental model was designed accordingly. Subsequently, inclusion and exclusion criteria were determined. Accordingly, the comprehensive and systematic search began within the literature and 986 studies were considered. After classification, screening, and measurement of their quality (methodological assessment based on PRISMA Statement), 41 studies were finally examined in depth (through a detailed review of their abstracts, introduction, methodology, and results) and the required data were collected. Then, in the last step, the obtained data were classified, codified (using the open coding method through Excel software), synthesized, and finally summarized.
Findings
Based on the obtained results, all the factors that affect the cooperation between banks and fintech companies can be classified into four main categories of both parties’ characteristics, relational features, collaboration requirements, and macro issues. Each category also includes a number of subcategories and codes. A total of four categories, 11 sub-categories, and 43 codes make up the factors that play a role in the formation of cooperation between banks and fintech companies. According to the diversity of detected factors, it can be concluded that the formation of cooperation between banks and fintech companies is a complex process and must be considered a multi-dimensional concept.
Conclusion
Finally, a schematic Model was developed to explain how effective factors affect cooperation formation. According to the diversity of the detected factors, it can be concluded that the formation of cooperation among banks and fintech companies is a multi-dimensional and complex process.
