نویسندگان
1 دانشجوی دکتری مدیریت نوآوری، پردیس فارابی دانشگاه تهران
2 استادیار دانشکده مدیریت و حسابداری، پردیس فارابی دانشگاه تهران
3 استاد مجتمع دانشگاهی مدیریت و فناوری‌های نرم، دانشگاه صنعتی مالک اشتر
4 استادیار دانشکده مدیریت و حسابداری، پردیس فارابی دانشگاه تهران، قم، ایران
چکیده
صنعت بانکداری جهانی، متأثر از فناوری‌های جدید و تغییر در رفتار مشتریان، ناگزیر از تحولات اساسی در طول تاریخ خود شده است. هم‌زمان که بانک‌ها مشغول تحولات و چالش نوآوری در فرایندهای خود هستند، شرکت‌های فین‌تک با بهره‌مندی از قابلیت‌های دیجیتال، خدمات نوآورانه و مشتری‌مدارانه عرضه می‌کنند. در دنیای کسب‌وکار، همکاری میان این دو نهاد، به شکل‌های گوناگونی انجام شده است. این موضوع، توجهات جامعه دانشگاهی را نیز به خود جلب کرده و مقالات و کتبی در این زمینه نگارش شده است. هدف مقاله حاضر، مرور این مقالات علمی و سؤال اصلی مقاله از این قرار است: ادبیات علمی چه دستاوردهایی در زمینه همکاری بانک و فین‌تک داشته است؟ برای پاسخ به این سؤال از روش مرور نظام‌مند بر ادبیات (منطبق بر بازبینه پریزما) استفاده شده و ضرورت، سیر تطور، چالش‌ها، پیشران‌ها، منافع، موانع و انواع همکاری بانک و فین‌تک در مقالات علمی بررسی شده است. مهمترین دستاوردهای علمی مقالات ذیل هر کدام از سؤالات فرعی مقاله بررسی شده و در نهایت، پس از بررسی انواع همکاری بانک و فین‌تک در ادبیات علمی، الگوریتم همکاری بانک و فین‌تک ارائه شده است. در پایان، خلاءهای پژوهش‌های پیشین و پیشنهادهایی برای پژوهش آینده بیان شده است.
کلیدواژه‌ها
عنوان مقاله [English]
Bank-fintech Collaboration: A Systematic Literature Review
نویسندگان [English]
- reza payandeh 1
- Meisam Shahbazi 2
- Manouchehr Manteghi 3
- toraj karimi 4
چکیده [English]
The global banking industry, driven by new technologies and changing customer behavior, has undergone major changes unprecedentedly all over its history. As banks contend with innovation challenges in their processes, fintech companies benefiting from digital capabilities, deliver innovative and customer-centric services. In the business world, the collaboration between these two institutions has taken many forms. This has also attracted the attention of the academic community, and several papers have been written in this field. The purpose of this article is to review these articles, and its main question is: What has the scientific literature contribute toward bank-fintech collaboration? To answer this question, a systematic literature review, based on PRISMA Checklist, has been utilized and various specific areas have been examined to understand the necessity, evolution, challenges, drivers, benefits, barriers, and types of bank-fintech collaboration in the scientific articles. The most significant achievements of the articles are discussed in the paper; furthermore, different types of bank-fintech collaboration in the scientific literature are listed, and a bank-fintech collaboration algorithm is presented. Ultimately, the gaps in the literature and suggestions for future research are expressed.
کلیدواژه‌ها [English]
- Collaboration
- fintech
- Banking
- systematic literature review
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