[1] Manyika, J., Lund, S., Singer, M., White, O., & Berry, Ch. (2016). How digital finance could boost growth in emerging economies. McKinsey Global Institute.
[2] Castilla-Rubio, J. C., Zadek, S., & Robins, N. (2016). FinTech and sustainable development: Assessing the implications. Geneva: UNEP. [Online].
[3] Soofi, A. S., Ghazinoory, S., & Farnoodi, S. (2013). The national innovation system of Iran: A functional and institutional analysis. In: Science and Innovations in Iran (pp. 57-86). Palgrave Macmillan, New York.
[4] Azadegan-Mehr, M., Ghasemi, A., Radaei, N., & Ghazinoori, S. (2019). Investigation of Fintech Industry and policy formulation in Iran. http://rc.majlis.ir/fa/mrc_report/show/1386873. {In Persian}.
[5] Schueffel, P. (2017). Taming the Beast: A Scientific Definition of Fintech. Journal of Innovation Management, 4(4), 32-54.
[6] European Parliament. (2019). Fintech (Financial Technology) and the European Union.
[7] Lee, I., & Shin, Y. J. (2018). Fintech: Ecosystem, business models, investment decisions, and challenges. Business Horizons, 61(1), 35-46.
[8] Haycock, J., & Richmond, S. (2015). Bye Bye Banks?: How Retail Banks are Being Displaced, Diminished and Disintermediated by Tech Startups and what They Can Do to Survive. Wunderkammer.
[9] World Economic Forum. (2017). Beyond FinTech: A Pragmatic Assessment of Disruptive Potential in Financial Services.
[10] PWC. (2017). Global FinTech Report 2017: Redrawing the lines - FinTech’s growing influence on Financial Services. https://www.pwc.com/jg/en/publications/pwc-globalfintech-report-17.3.17-final.pdf
[11] IOSCO. (2017). IOSCO Research Report on Financial Technologies (Fintech). https://www.iosco.org/library/pubdocs/pdf/IOSCOPD554.pdf
[12] Markard, J., & Truffer, B. (2008). Technological innovation systems and the multi-level perspective: Towards an integrated framework. Research Policy, 37(4), 596-615.
[13] Markard, J., Raven, R., & Truffer, B. (2012). Sustainability transitions: An emerging field of research and its prospects. Research Policy, 41(6), 955-967.
[14] Saghafi, F., &Azadegan-Mehr, M. (2019).Policy making for Governance of Technology Transitions: Basics and Theories. Journal of Science and Technology Policy, 11(2), 221-237. {In Persian}.
[15] Rahimi rad, Z., Yahyazadefar, M., Mir Emadi, T., & Madhoshi, M. (2018). Analysis of Photovoltaic Solar System Technological Innovation System in Iran. Innovation Management Journal, 6(4), 1-28. {In Persian}.
[16] Vaziri, J., Ghazinoory, S., Ghanei, M., & Fartookzade, H. (2015). Three dementional understanding of defense industry transitin. Journal of Management Improvement, 4(2), 1-34. {In Persian}.
[17] Mousavi Dorcheh, S., GhaneiRad, M., Karimian Khouzani, H., & Shahmoradi, B. (2018). Presenting a Framework for Describing the Technological Transitions Based on the Multilevel Analysis Approach (Case Study: The Transition to Renewable Energy in Iran). Innovation Management Journal, 6(4), 63-98. {In Persian}.
[18] Castellacci, F. (2008). Technological paradigms, regimes and trajectories: Manufacturing and service industries in a new taxonomy of sectoral patterns of innovation. Research Policy, 37(6-7), 978-994.
[19] Geels, F. W. (2005). Processes and patterns in transitions and system innovations: refining the co-evolutionary multi-level perspective. Technological forecasting and social change, 72(6), 681-696.
[20] Geels, F. W., & Schot, J. (2007). Typology of sociotechnical transition pathways. Research Policy, 36(3), 399-417.
[21] Geels, F. W. (2014). Regime resistance against low-carbon transitions: introducing politics and power into the multi-level perspective. Theory, Culture & Society, 31(5), 21-40.
[22] Geels, F. W., Kern, F., Fuchs, G., Hinderer, N., Kungl, G., Mylan, J., & Wassermann, S. (2016). The enactment of socio-technical transition pathways: a reformulated typology and a comparative multi-level analysis of the German and UK low-carbon electricity transitions (1990–2014). Research Policy, 45(4), 896-913.
[23] Onsongo, E. K., & Schot, J. (2017). Inclusive innovation and rapid sociotechnical transitions: the case of mobile money in Kenya.
[24] Yin, R. K. (2012). Case study methods.
[25] Smith, A., Voß, J. P., & Grin, J. (2010). Innovation studies and sustainability transitions: The allure of the multi-level perspective and its challenges. Research Policy, 39(4), 435-448.
[26] https://opendata.cra.ir
[27] https://www.cbi.ir
[28] http://iraninsurance.ir
[29] Statiticsl yearbook of Insuranse. https://www.centinsur.ir
[30] http://donyayebank.ir
[31] Ghazinoory, S., Ghazinoori, S., & Azadegan-Mehr, M. (2011). Iranian academia: evolution after revolution and plagiarism as a disorder. Science and engineering ethics, 17(2), 213-216.
[32] Ghazinoory, S., Bitaab, A., & Lohrasbi, A. (2014). Social capital and national innovation system: a cross-country analysis. Cross Cultural Management, 21, 453-475.
)