نوع مقاله : مقاله پژوهشی

نویسندگان

1 دانشجوی دکتری کارآفرینی، دانشکده مدیریت و حسابداری، دانشگاه آزاد اسلامی واحد علی‌آباد کتول

2 دانشیار دانشکده کشاورزی و منابع طبیعی، دانشگاه آزاد اسلامی واحد کرج

3 استادیار دانشکده مدیریت و حسابداری، دانشگاه آزاد اسلامی واحد علی‌آباد کتول

4 استاد دانشکده علوم اجتماعی و اقتصادی، دانشگاه الزهرا

چکیده

بانک‌ها به‌عنوان نهادهای مالی، در فرآیند توسعه اقتصادی نقش بنیادی را ایفا می‌کنند. فناوری مالی با بهره‌گیری از نوآوری توانسته‌اند بازارهای مالی سنتی را دگرگون سازند. هدف از پژوهش حاضر ارائه مدل کارآفرینانه کسب‌وکارهای فناورانه در صنعت بانکداری با رویکرد معادلات ساختاری-تفسیری است. تحقیق حاضر از لحاظ هدف کاربردی-توسعه‌ای و روش گردآوری داده‌ها آمیخته از نوع اکتشافی است. هم‌چنین به‌منظور غربال‌گری و انتخاب داده‌ها از دلفی فازی بهره گرفته شده است که خروجی آن با استفاده از تحلیل عاملی تأییدی دسته‌بندی و اعتبار آن بررسی گردید. جهت بررسی روابط مدل و برازش آن از روش مدل‌یابی معادلات ساختاری استفاده شد. این تحقیق در بازه زمانی سال 1400 و در شهر تهران صورت پذیرفته است. به‌منظور شناسایی و گردآوری داده‌ها از روش تحلیل محتوا، مصاحبه با خبرگان و استفاده از مطالعات پیشین بهره گرفته شده است. درنتیجه مؤلفه‌ها در 5 بعد قرار گرفتند که در بالاترین بعد قابلیت‌های نوآورانه و نگرش کارآفرینانه قرار دارد. با توجه به یافته‌های تحقیق در بعد "قابلیت‌های نوآورانه"، مشتری مداری، در بعد "نگرش کارآفرینانه"، مدیریت زیرساخت، در بعد "ابتکارات زنجیره تأمین"، قوانین مالی و مالیاتی، در بعد "ساختار بازار صنعت بانکداری"، نیاز به استفاده از سیستم‌های مالی و بانکی مطمئن و در بعد "فعالیت‌های فناورانه"، طراحی محصول از اهمیت بالایی برخوردار بودند.

کلیدواژه‌ها

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