طراحی مدل کارآفرینی فناورانه در صنعت بانکداری با رویکرد ترکیبی

نوع مقاله : مقاله پژوهشی

نویسنده

عضو هیئت علمی، گروه کارآفرینی، موسسه آموزش عالی پارسا، بابلسر، ایران.

چکیده

امروزه به‌کارگیری فناوری در بانک‌ها به‌عنوان راه‌حلی برای مسائل سازمانی مطرح و موجب پیدایش بُعد جدیدی از «کارآفرینی فناورانه» شده است. هدف پژوهش حاضر طراحی مدل کارآفرینی فناورانه در صنعت بانکداری با رویکرد ترکیبی است. تحقیق حاضر از لحاظ هدف، کاربردی و بر اساس روش، توصیفی-همبستگی است. در گام اول، عوامل مؤثر بر کارآفرینی فناورانه از طریق مرور نظام‌مند پیشینه تحقیق استخراج و از طریق مصاحبه نیمه‌ساختاریافته با 20 نفر از خبرگان دانشگاهی و مدیران صنعت بانکداری به روش دلفی فازی، تأیید شدند. خروجی این مرحله 36 مؤلفه بود که در 7 بُعد (تعاملات بین سازمانی، ساختاری، نهادی، مهارتی، مدیریتی، بازار و مشتریان، فناوری) دسته‌بندی شدند. در گام دوم، ابعاد با روش مدل‌سازی ساختاری تفسیری سطح‌بندی و با تحلیل میک‌مک خوشه‌بندی شدند که برای تحلیل آن از نرم‌افزار اکسل استفاده شد. نتایج نشان دادند بُعد بازار و مشتریان در سطح اول، ابعاد تعاملات بین سازمانی، نهادی، مهارتی، مدیریتی در سطح دوم و بُعد ساختاری در سطح سوم قرار دارند. بُعد فناوری در سطح چهارم قرار گرفته و ازاین‌رو مهم‌ترین بُعد محسوب می‌شود. ابعاد ساختاری، نهادی، فناوری در خوشه مستقل و بُعد مدیریتی در خوشه پیوندی و ابعاد تعاملات بین سازمانی، مهارتی، بازار و مشتریان در خوشه وابسته قرار گرفته‌اند. در نهایت می‌توان گفت توجه ویژه به کارآفرینی فناورانه یکی از عوامل مهم رشد اقتصادی و افزایش توان بانک‌ها در عرصه رقابت‌پذیری است.

کلیدواژه‌ها


عنوان مقاله [English]

Designing a Technological Entrepreneurship Model in the Banking Industry with a Combined Approach

نویسنده [English]

  • Hamid Rezaei
Faculty Member, Department of Entrepreneurship , Parsa Institute of Higher Education, Babolsar, Iran
چکیده [English]

Today, the application of technology in banks as a solution to organizational problems has created the emergence of the new dimension of the concept of "technological entrepreneurship'. The aim of the current research was to design and apply a technological entrepreneurship model in the banking industry with a hybrid approach. The method was descriptive-correlation. In the first step, the factors on technological entrepreneurship were extracted through a systematic review of the research background and confirmed through semi-structured interviews with 20 academic experts and managers of the banking industry using the fuzzy Delphi method. The output of this stage was 36 components, categorized in 7 dimensions (inter-organizational, structural, institutional, skill, management, market and customer interactions, technology). Then, in the second step, the dimensions were leveled with interpretive structural modeling method and clustered with Micmac analysis, which was analyzed using Excel software. The results showed that the market dimension and customers are at the first level, the dimensions of inter-organizational, institutional, skill, and management interactions are at the second level, the structural dimension is at the third level, and the technology dimension is at the fourth level, so it is considered the most salient dimension and the structural dimensions, Institutional, technology in the independent cluster and management dimension in the linked cluster and the dimensions of inter-organizational, skill, market and customer interactions are placed in the dependent cluster and finally it can be said: one of the important factors of economic growth and increasing the power of banks in the field of competitiveness, special attention to technological entrepreneurship.

کلیدواژه‌ها [English]

  • Technological Entrepreneurship
  • Fuzzy Delphi
  • Interpretive Structure
  • Micmac
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