چکیده:
The present study was conducted with the aim of designing and explaining the evaluation model of fintech executive policy in National Bank. This research is based on the purpose of a developmental-applied study and based on the method of data collection, it is a non-experimental (descriptive) study of cross-sectional survey type. Also, in this study, a mixed research method (qualitative-quantitative) was used. The tool for collecting data in the qualitative part is a semi-structured interview and in the quantitative part is a Likert scale questionnaire. The Holstein coefficient was used to validate the qualitative part, and the quantitative part was validated using convergent validity, composite reliability and Cronbach's alpha. The statistical population in the qualitative section includes university professors and managers of National Bank who were selected by purposeful sampling method and theoretical saturation was achieved with 17 interviews. The statistical population of the quantitative part includes the managers and experts of National Bank branches in Tehran. The sample size was determined by Cochran's formula of 293 people and sampling was done by cluster-random method. To analyze the data in the qualitative part, the method of qualitative analysis of the theme and MaxQDA software was used. In the quantitative part, partial least squares method and Smart PLS software were used to validate the model. The research findings showed that the evaluation of the external, internal environment and banking stakeholders affects the technology strategy and financial strategy. Financial and technological strategies also shape the fintech executive policy in the banking system and affect marketing, financial and social performance. Finally, the marketing, financial and social performance leads to the development of fintech in National Bank.
خلاصه ماشینی:
/ Vahid Moradi, Changiz Mohammadi Zadeh, Ali Farhadimahalli Keywords: Policy evaluation, Fintech, Banking industry JEL Classification: E52, G21, G32 Scientific Quarterly of Islamic Economics and Banking, No. 44, Autumn 2023 83 Introduction With the increasing growth of financial transactions in the electronic environment and the expansion of technology, banks have turned to using new technologies to perform financial transactions.
Fintech companies provide two categories of financial services 1 1 Murinde 2 Banking is necessary, but banks are not 3 Harris 4 Slazus 84 Designing and Explaining the Policy Evaluation Model ...
Data analysis method: To identify the components of evaluating the fintech implementation policy in Bank Melli, thematic qualitative analysis was used, and for validating the research model, the Partial Least Squares (PLS) quantitative method was employed.
/ Vahid Moradi, Changiz Mohammadzadeh, Ali Farhadi Mahali / Fintech Development and Banking / / / Bank Marketing Performance Bank Financial Performance Bank Social Performance / Fintech Implementation Policy / / Technology Strategy Financial Strategy / / / Banking Environmental Assessment Internal Organizational Assessment of Banks Banking Stakeholder Assessment Figure 1- Model for evaluating the fintech implementation policy in Bank Melli Source: Research findings Scientific Quarterly of Islamic Economics and Banking, Issue Forty-Four, Autumn 2023 99 To validate the model, the partial least squares quantitative method was used.
/ Vahid Moradi, Changiz Mohammadzadeh, Ali Farhadi Mahali / Figure 3- Validation of the fintech implementation policy evaluation model in Bank Melli (Significance) Source: Research findings The results presented in Figures 2 and 3 show that the factor loadings in all cases are greater than 0.
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