تدوین نقشه راه فناوری های صنعت 4.0 در حوزه بانکداری ایران با رویکرد مدل پوششی توسعه فناوری

نوع مقاله : مقاله پژوهشی

نویسندگان

1 کارشناسی ارشد مدیریت تکنولوژی، گروه مدیریت صنعتی، دانشکده مدیریت و اقتصاد، دانشگاه تربیت مدرس، تهران، ایران

2 استادیار، گروه مدیریت صنعتی، دانشکده مدیریت و اقتصاد، دانشگاه تربیت مدرس، تهران، ایران

3 استاد، گروه مدیریت صنعتی، دانشکده مدیریت و اقتصاد، دانشگاه تربیت مدرس، تهران، ایران

چکیده
امروزه همگام با توسعه فناوری، انتظارات مشتریان در ابعاد مختلف افزایش یافته است. در حوزه خدمات مشتریان برای تجربه محوری، راحتی و سرعت دریافت خدمات ارزش بسیاری قائل هستند. بهره‌گیری از فناوری‌های صنعت 4.0 یکی از استراتژی‌های اصلی پیش روی بانک‌ها برای بقا و رشد در چنین محیطی است. نقشه راه فناوری ابزاری است که به تصمیم‌گیرندگان در شناسایی و ارزیابی گزینه‌های مختلف جهت رسیدن به اهداف فناورانه کمک می‌کند. در مقاله حاضر پس از مرور پیشینه، شش فناوری صنعت 4.0 در حوزه بانکداری شناسایی شد که شامل بانکداری همه کاناله، بانکداری بدون شعبه، بانکداری بر بستر بلاک چین، بانکداری رسانه اجتماعی، بانکداری باز و رباتیک در بانکداری می باشد. سپس با استفاده از ترکیب مدل پوششی توسعه فناوری و روش بهترین- بدترین ارزش هر فناوری در بازه‌های زمانی دو ساله بر اساس مجموعه‌‌‌‌ای از معیارهای مالی-اقتصادی، عملکردی و تجربه کاربری محاسبه شد و نقشه راه این فناوری ها در صنعت بانکداری ایران در یک افق زمانی ده ساله ترسیم شد. یافته ها نشان می دهد هرچند در حال حاضر بانکداری رسانه اجتماعی جذابترین فناوری برای صنعت بانکداری ایران به نظر می رسد اما در سال های آتی بانکداری همه کاناله از نظر جذابیت و ارزش آفرینی، فناوری غالب این صنعت خواهد بود.

کلیدواژه‌ها


عنوان مقاله English

Developing the Roadmap of Industry 4.0 Technologies in the Iranian Banking Sector: Technology Development Envelope Approach

نویسندگان English

rahmat badpar 1
khadijeh Mostafaee Dolatabad 2
َAli Rajabzadeh 3
1 Master of Technology Management, Department of Industrial Management, Faculty of Management and Economics, Tarbiat Modares University, Tehran, Iran
2 Assistant Professor, Department of Industrial Management, Faculty of Management and Economics, Tarbiat Modares University, Tehran, Iran
3 Professor, Department of Industrial Management, Faculty of Management and Economics, Tarbiat Modares University, Tehran, Iran
چکیده English

Due to technological development, customer expectations have increased in various dimensions. In the service systems, customers value customer experience, convenience, and speed of service delivery. Utilizing Industry 4.0 technologies is one of the main strategies facing banks for survival and growth in such an environment. A technology roadmap is a tool that helps decision-makers identify and evaluate different options to achieve technological goals. In this article, after reviewing the background, six Industry 4.0 technologies were identified in the field of banking, including omnichannel banking, branchless banking, blockchain-based banking, social media banking, open banking, and robotics in banking. The value of each technology was calculated in two-year time intervals based on financial-economic, performance, and user experience criteria, using a combination of the technology development envelope model and the best-worst method. Then a ten-year technology roadmap was created for the Iranian banking industry. The findings show that although social media banking currently seems to be the most attractive technology for the Iranian banking industry, in the coming years, omnichannel banking will be the dominant technology in this industry in terms of attractiveness and value creation.

کلیدواژه‌ها English

Technology roadmap
Industry 4.0 technologies
technology development envelop model
banking industry
Best-Worst Method
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