چکیده:
The present research aims to make a model for product design and development process (PDDP) based on the smart economy paradigm in the banking industry.The qualitative section approach is based on Grounded Theory.The data-collection instrument consists of semi-structured interview with twelve research and innovation experts and managers in banking industry applying purposeful as well as snowball sampling.Findings show that the final model consists of 6 main dimensions36 components and 236 indicators.The central category is the stages of the product design and development process in the field of banking which in six dimensions determine the goals and strategies of the PDDP ideas management,PDDP analysis, product design and processes, business development acquisition, performance management and upgrade during the product life cycle and according to causal conditions, intervening conditions, contextual conditions, strategies and results were. Among the research results is the application of smart economy strategies in the PDDP in the country's banking industry.In quantitative section,the data was collected by a researcher-made questionnaire consisting of 94 items and the descriptive-survey method was used for analysis and explanation of proposed model. The quantitative results indicate the verification of the model relations with an appropriate impact factor as well as its consistency with qualitative-section results
خلاصه ماشینی:
Presentation of a product design and development process model based on the smart economy paradigm in the banking industry Mehdi Soltaninejad1 2 Date received: 99/07/22 Date accepted: 99/10/13 Keyomars Fathi Hefshajani Gholamreza Hashemzadeh 3 Abutorab Alirezaee 4 Abstract Competition between banks and financial institutions, the emergence of digital technologies, problems arising from sanctions, the constant change in customer demands and societal needs, have turned new product design and development into an undeniable necessity for banks.
In order to reduce the existing gap in this research, we present an innovative conceptual model of the product design and development process based on the smart economy paradigm in the banking industry, relying on the grounded theory strategy; so that it comprehensively and detailedly covers and explains the dimensions, components, and parts of the processes for the successful creation and injection of innovative financial services into financial markets.
Accordingly, using a mixed approach and applying the grounded theory strategy, an innovative conceptual model for the country's banking industry was presented in line with the implementation of the product design and development process based on the smart economy paradigm; so that dimensions, components, and key indicators are comprehensively covered and defined.
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