پیش‌بینی الگوی تحول فناورانه در بخش خدمات مالی ایران بر مبنای رویکرد چندسطحی به گذار

نویسندگان

1 استاد دانشکده مدیریت دانشگاه تهران

2 دانشیار دانشکده مدیریت دانشگاه تهران

3 استادیار دانشکده مدیریت دانشگاه تهران

4 دانشجوی دکترای دانشکده مدیریت دانشگاه تهران

چکیده

فناوری‌های جدید حوزه مالی (فین‌تک) در حال ایجاد تحول در بخش مالی ایران هستند. شناسایی الگوی وقوع این تحول در نظام‌های موجود در بخش مالی کشور، راهگشای سیاست‌گذاری برای تسریع در رسیدن به وضعیت مطلوب خواهد بود. این مقاله تلاش کرده با مطالعه چندموردی تغییر صنایع بانک، بیمه و بورس بر اثر ظهور فین‌تک، وضعیت تحول حوزه مالی و سازوکارهایی که تسهیل‌گر یا مسدودکننده تغییر هستند را شناسایی‌کند. یافته‌ها نشان داده که به رغم ظرفیت تحول‌آفرینی فناوری‌های جدید حوزه مالی و دسترسی فنی مناسب به دانش روز، تحول فناورانه بخش مالی در ایران وابستگی زیادی به عواملی چون تطابق‌پذیری تنظیم‌گری، دسترسی به داده و بلوغ دیجیتال، وضعیت اقتصادی بخش سنتی و همچنین آمادگی بخش مالی سنتی برای شبکه‌سازی با شرکت‌های نوآفرین فین‌تک دارد. با این مقدمه گذار نظام‌های اجتماعی-فنی صنعت مالی از نوع کنام‌محور نخواهد بود که در نتیجه، سیاست‌گذاری برای تسریع چنین تحولی نیز با صرف حمایت از نوآفرینان این حوزه، راه به جایی نخواهد برد و در این خصوص توجه بیشتر به اصلاح تنظیم‌گری و حل مشکلات ساختاری مسلط‌های صنعت لازم است.
 

کلیدواژه‌ها


عنوان مقاله [English]

Anticipating Technological Transition Path in Iran's Financial Sector Based on MultiLevel Perspective

نویسندگان [English]

  • Ali Mohaghar 1
  • Fatemeh Saghafi 2
  • Nima Mokhtarzade 3
  • Mandana Azadegan-Mehr 4
1 Faculty of Management, University of Tehran, Iran
2 Faculty of Management, University of Tehran, Iran
3 Faculty of Management, University of Tehran, Iran
4 Faculty of Management, University of Tehran, Iran
چکیده [English]

New financial technologies (Fintech) are evolving in the Iranian financial sector. Identifying the pattern of this transformation in the social-technical systems would be the policy-making tool to accelerate the desirable situation. This study attempts to identify the pattern of financial transformation and mechanisms that are facilitating or blocking change by studying the Banking, Insurance and Stock Exchange industry as a result of Fintech's emergence. The results of this study show that despite the transformational capacity of new technologies in the field of finance and appropriate technical access to modern day knowledge, the technological evolution of the financial sector in Iran is highly dependent on factors such as regulatory adaptability, accessibility of data, digital maturity and The financial status of the traditional sector, as well as the readiness of the traditional financial sector to network with Fintech startups. Therefore, the transition of the financial industry will not be niche based and therefore policy-making to accelerate such a change will not go the way of simply supporting the innovator startups in the field, but rather focusing on regulatory structural reform of the industry.
 
 

کلیدواژه‌ها [English]

  • Technological Transition
  • Socio-Technical System
  • MultiLevel Perspective
  • Fintech
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