نگاشت تاثیرگذاری کارکردهای فناوری بلاک‌چین بر نظام بانکی ایران با تکنیک نقشه شناختی فازی شهودی

نوع مقاله : مدیریت تولید و عملیات (برنامه‌­ریزی تولید، چابکی، پایداری، ناب، سبز، برون­‌سپاری، زنجیره تأمین، زنجیره ارزش، کیفیت، بهره وری، صنعت چهار و ابعاد آن، . . .)

نویسندگان

1 دانشجوی دکتری تخصصی، دانشکده علوم اقتصادی و اداری، دانشگاه مازندران، بابلسر، ایران

2 استاد گروه مدیریت بازرگانی دانشگاه مازندران

3 استاد، دانشکده علوم اقتصادی و اداری، دانشگاه مازندران، بابلسر، ایران

4 استادیار، دانشکده علوم اقتصادی و اداری، دانشگاه مازندران، بابلسر، ایران

چکیده

فناوری بلاک‌چین در صنعت بانکداری در زمینه‌های سرعت بخشیدن به تراکنش‌ها، بالا بردن امنیت، مقابله با اختلاس‌های بانکی و ذخیره‌سازی اطلاعات مشتریان و کاهش زمان و هزینه‌های عملیات بانکی موثر می‌باشد. هدف: هدف این مقاله، نگاشت تاثیر کارکردهای فناوری بلاک‌چین بر نظام بانکی ایران می‌باشد. روش: در وهله اول با استفاده از روش مرور نظام‌مند ادبیات، به شناسایی کارکردهای نظام بانکی و فناوری بلاک‌چین پرداخته شد. در گام بعد با تکنیک دلفی فازی و نظرات خبرگان کارکردهای شناخته شده، غربال شدند. نمونه آماری پژوهش شامل 12 نفر از مدیران ارشد چهار بانک ملی، پاسارگاد، مسکن و صادرات حوزه بودند. یافته‌ها: با استفاده از تکنیک مرور نظام‌مند ادبیات به شناسایی کارکردهای نظام بانکی و فناوری بلاک‌چین پرداخته شد و نتایج با دلفی فازی بومی‌سازی شدند که در نهایت 13 کارکرد برای بلاک‌چین و 5 کارکرد (استقرار نظام پولی و اعتباری، ارزش آفرینی، تعاون عمومی، تسهیل مبادلات و موازنه بازارهای موازی) برای نظام بانکی حاصل شد. بر اساس نتایج نقشه‌ شناختی فازی شهودی، بلاک‌چین منجر به توسعه‌ زیرساخت یکپارچه میان سامانه‌های مدیریت امور بانک‌ها، مدیریت اطلاعات مشتریان و تبادل اطلاعات می‌شود و به یکپارچه‌سازی بنگاه با بنگاه در فرآیند اعطای تسهیلات کمک می‌کند. نتیجه‌گیری: با توجه به نتایج حاصل شده، کارکردهای فناوری بلاک‌چین، ذینفعان صنعت بانک را به سمت پیاده‌سازی سریع‌تر این فناوری سوق می‌دهد. نتایج پژوهش، حاکی از آن است که مدیران صنعت بانکداری، بایستی توجه بیش‌تری به کارکردهای مهم‌تر و راهکارهای با اولویت بیش‌تر فناوری بلاک‌چین داشته باشند.

کلیدواژه‌ها

موضوعات

عنوان مقاله [English]

Mapping the Impact of Blockchain Technology Functions on Iran's Banking System with Intuitive Fuzzy Cognitive Map

نویسندگان [English]

  • Fereshte Nasrollahpour 1
  • Mahmoud Yahyazadehfar 2
  • Hassanali Aghajani 3
  • Mohsen Alizadeh Sani 4
1 PhD Candidate, Faculty of Economic and Administrative Sciences, University of Mazandaran, Babolsar, Iran
2 Professor, Faculty of Economic and Administrative Sciences, University of Mazandaran, Babolsar, Iran
3 Professor, Faculty of Economic and Administrative Sciences, University of Mazandaran, Babolsar, Iran
4 Assistance Professor, Faculty of Economic and Administrative Sciences, University of Mazandaran, Babolsar, Iran
چکیده [English]

Blockchain technology in the banking industry is effective in speeding up the transactions, increasing security, dealing with bank embezzlement and storing customer information, and reducing the time and costs of banking operations. Purpose: The purpose of this research is to map the impact of blockchain technology functions on the Iran's banking system. Method: First of all, the functions of the banking system and blockchain technology are identified using the systematic literature review. In the next step, the functions are screened with Fuzzy Delphi Method (FDM). The statistical sample of the research included 12 senior managers of four banks: Melli, Pasargad, Maskan, and Saderat. Findings: Using systematic literature review method, the functions of the banking system and blockchain technology are identified, and the results are localized with FDM, which finally 13 functions for the blockchain and 5 functions (establishment of the monetary and credit system, value creation, public cooperation, facilitation exchanges and balance of parallel markets) for the banking system are identified. Based on the results of the Intuitive Fuzzy Cognitive Map (IFCM), blockchain leads to the development of an integrated infrastructure between the management systems of banks, customer information management and information exchange. Conclusion: According to the results, the functions of blockchain technology lead the bank stakeholders to implement this technology faster. The results indicate that senior managers of banking system should pay more attention to the important functions of blockchain and solutions.

کلیدواژه‌ها [English]

  • Blockchain
  • Smart Contract. Banking System
  • Intuitive Fuzzy Cognitive Map

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پژوهشنامه مدیریت اجرایی
دوره 16، شماره 31
شهریور 1403
صفحه 293-324

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  • تاریخ دریافت: 28 خرداد 1402
  • تاریخ بازنگری: 07 مرداد 1402
  • تاریخ پذیرش: 02 شهریور 1402

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