تحول دیجیتال در بانک؛ حوزه ها و روندهای پژوهش

نوع مقاله : مقاله مروری

نویسندگان

1 دکتری مدیریت فناوری اطلاعات، گروه مدیریت، دانشکده علوم اداری و اقتصادی، دانشگاه فردوسی، مشهد، ایران

2 استاد، گروه مدیریت، دانشکده علوم اداری و اقتصادی، دانشگاه فردوسی، مشهد، ایران

3 استاد، گروه مدیریت فناوری اطلاعات، دانشگاه تهران، تهران، ایران

10.48311/mri.2025.27634
چکیده
تحول دیجیتال به‌عنوان یکی از مهم‌ترین محرک‌های تغییر در بانکداری معاصر، تأثیرات عمیقی بر ساختارها، فرآیندها، و خدمات بانکی گذاشته است. این مقاله با هدف شناسایی حوزه‌ها و روندهای پژوهشی در تحول دیجیتال بانکی، یک تحلیل کتاب‌سنجی جامع بر اساس داده‌های کتابشناختی موجود در پایگاه‌های علمی برجسته انجام داده است. با استفاده از ابزار VOSviewer، نقشه‌سازی علمی و تجسم روابط میان کلیدواژه‌ها، نویسندگان، و انتشارات انجام شده و خوشه‌بندی‌های اصلی در ادبیات این حوزه شناسایی شده است. یافته‌ها نشان می‌دهند که پژوهش‌های تحول دیجیتال در بانکداری به حوزه‌هایی نظیر هوش مصنوعی، امنیت سایبری، فین‌تک، بانکداری باز و تجربه مشتری متمرکز شده‌اند. همچنین، روندهای نوظهور در بانکداری دیجیتال، شامل استفاده از فناوری‌های نوین مانند بلاک‌چین و رایانش ابری، مورد بررسی قرار گرفته است. این مقاله با تحلیل الگوها و شکاف‌های پژوهشی، مسیرهای آتی برای مطالعات علمی در این حوزه را پیشنهاد می‌کند و بر ضرورت توسعه استراتژی‌های نوآورانه برای تطبیق بانک‌ها با چالش‌ها و فرصت‌های تحول دیجیتال تأکید دارد. نتایج می‌تواند به پژوهشگران، سیاست‌گذاران، و مدیران بانکی در درک بهتر روندهای کلیدی و طراحی راهکارهای مبتنی بر داده برای آینده بانکداری کمک کند.

کلیدواژه‌ها


عنوان مقاله English

Digital Transformation in Banking; Research Areas and Trends

نویسندگان English

Hadi Taghavi 1
Mohammad Mehraeen 2
Mehdi Shamizanjani 3
Alireza Khorakian 2
1 PHD of Management in Technology, Management Group, Faculty of Administrative and Economic Sciences, Ferdowsi University, Mashhad, Iran
2 Professor, Department of Management, Faculty of Administrative and Economic Sciences, Ferdowsi University, Mashhad, Iran
3 Professor, Department of Information Technology Management, University of Tehran, Tehran, Iran
چکیده English

Digital transformation, as one of the most important drivers of change in contemporary banking, has had profound impacts on banking structures, processes, and services. This paper aims to identify research areas and trends in digital transformation in banking, and conducts a comprehensive bibliometric analysis based on bibliographic data available in prominent academic databases. Using the VOSviewer tool, scientific mapping and visualization of relationships between keywords, authors, and publications are performed, and major clusters in the literature in this field are identified. The findings show that digital transformation research in banking is focused on areas such as artificial intelligence, cybersecurity, fintech, open banking, and customer experience. Emerging trends in digital banking, including the use of new technologies such as blockchain and cloud computing, are also examined. By analyzing patterns and research gaps, this paper suggests future directions for academic studies in this area and emphasizes the need to develop innovative strategies for banks to adapt to the challenges and opportunities of digital transformation. The results can help researchers, policymakers, and bank managers to better understand key trends and design data-driven solutions for the future of banking.

کلیدواژه‌ها English

Digital Transformation
Digital Banking
Bibliometric Analysis
VOSviewer
Research Trends
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