نوع مقاله : مقاله پژوهشی

نویسندگان

1 دانشجوی دکتری، گروه مدیریت صنعتی، دانشکده اقتصاد، مدیریت و علوم اداری، دانشگاه سمنان، ایران

2 استاد، گروه مدیریت بازرگانی، دانشکده اقتصاد، مدیریت و علوم اداری، دانشگاه سمنان، ایران

3 دانشیار، گروه مدیریت صنعتی، دانشکده اقتصاد، مدیریت و علوم اداری، دانشگاه سمنان، ایران

چکیده

همگام با پیشرفت فناوری‌ها در حوزه اطلاعات و ارتباطات بانک‌ها به‌منظور راضی نگه‌داشتن مشتریان خود ناچار به تحول در سیستم‌های خود و استفاده از این فناوری‌های جدید هستند بدین منظور در زمینه ورود به عرصه‌های مختلف دیجیتال در حال برنامه‌ریزی هستند و ارزیابی از آمادگی آن‌ها جهت سنجش میزان و سطح موفقیت از اهمیت بالایی برخوردار است. مشخص کردن میزان آمادگی پذیرش، استفاده و به‌کارگیری فناوری‌های نوین و کاربردهای مرتبط با آن‌ها در درون و برون سازمان‌ها از جمله مواردی است که موردتوجه و تأکید است. این پژوهش با بررسی مبانی نظری، تجربی و همچنین مدل‌های موجود مرتبط با موضوع موردمطالعه، ضمن در نظر گرفتن نقاط قوّت و ضعف هر یک از آن‌ها؛ ابعاد و مؤلفه‌های آمادگی جهت پذیرش و ورود به حوزه بانکداری دیجیتال را با طبقه‌بندی جدیدتری از آن‌ها در قالب مدلی پویا ارائه نموده است. روش تحقیق این پژوهش ترکیبی (کیفی - کمی) و جامعه آماری آن صنعت بانکداری است. در فاز کیفی با 15 خبره دانشگاهی و نظام بانکی ایران، در قالب پنج راند پنل دلفی ارتباط برقرار شد و در نتیجه آن، عوامل اصلی مدل در قالب ابعاد و مؤلفه‌ها احصاء، استخراج و نهایی شده است. در فاز کمی پژوهش پیش‌فرض‌های مختلف در مدل مدنظر پژوهش برای نظام بانکی کشور، با استفاده از پویایی‌شناسی سیستم‌ها مورد آزمون و شبیه‌سازی قرار گرفت که نتایج آن حاکی از توجه و تمرکز مدیران، سیاست‌گذاران و بازیگران نظام بانکی کشور به متغیرهای اصلی پژوهش یعنی؛ آمادگی دیجیتال، سیاست‌های تشویقی و بهبود کیفیت سیستم می‌باشد.

کلیدواژه‌ها

عنوان مقاله [English]

A Dynamic Model for Readiness Assessment to Enter the Digital Banking Domain

نویسندگان [English]

  • Farshid Farokhizadeh 1
  • Azim zarei 2
  • Abbas Ali Rastegar 2
  • Seyed Abbas Ebrahimi 3

1 PhD student, Department of Industrial Management, Faculty of Economics, Management and Administrative Sciences, Semnan University, Iran

2 Professor, Department of Business Administration, Faculty of Economics, Management and Administrative Sciences, Semnan University, Iran

3 Associate Professor, Department of Industrial Management, Faculty of Economics, Management and Administrative Sciences, Semnan University, Iran

چکیده [English]

To this end, organizations are planning to enter different digital arenas and evaluation of D-Readiness for measuring their level of success is of particular importance. Determining the degree of readiness to accept, use and apply new technologies and their related applications inside and outside organizations is one of the things that is of interest and emphasis. This research examines the theoretical and experimental foundations as well as existing models related to the subject under study, while considering the strengths and weaknesses of each of them; It has presented the dimensions and components of preparation for accepting and entering the field of digital banking with a newer classification of them in the form of a dynamic model. The research method of this research is mixed (Qualitative- Quantitative) and its statistical population is the banking industry. In the qualitative phase, 15 academic and Iranian banking system experts were contacted in the form of five rounds of the Delphi panel, and as a result, the main factors of the model were calculated, extracted and finalized in the form of dimensions and components. In the quantitative phase of the research, various presuppositions in the research model for the country's banking system were tested and simulated using systems dynamics, the results of which indicate the attention and focus of the managers, policy makers and actors of the country's banking system on the main variables of the research, namely; Digital Readiness, Incentive Policies and System Quality is improvement.

کلیدواژه‌ها [English]

  • Readiness Assessment
  • Banking Industry
  • Digital Banking
  • Dynamic Simulation
  • Information and Communications Technology
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