نوع شناسی مسیر گذار به فناوری مالی پرداخت (پی‌تک) در ایران

نوع مقاله : مقاله علمی پژوهشی

نویسندگان

1 دانشجو دکتری، گروه مدیریت، دانشکده علوم اقتصادی و اداری، دانشگاه مازندران، بابلسر، ایران

2 دانشیار، گروه مدیریت، دانشکده علوم اقتصادی و اداری، دانشگاه مازندران، بابلسر، ایران

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

چکیده

فناوری پرداخت یا پی‌تک از زیرشاخه‌های بزرگ فین‌تک است و بر جابه‌جایی پول درون مرزهای کشور متمرکز است. گذار از خدمات سنتی به خدمات نوآورانۀ پی‌تک مزایای فراوانی به همراه داشته است. اما از دید برقراری روابط بین‌الملل، حفظ امنیت کاربران، و محیطی که کسب‌وکارهای استارتاپی در آن فعالیت می‌کنند با چالش‌هایی مواجه است. هدف از پژوهش حاضر نوع‌شناسی مسیر گذار به پی‌تک است براساس آنچه تاکنون در حوزۀ پرداخت اتفاق افتاده است. پارادایم پژوهشْ تفسیری و روش تحقیق کیفی و مبتنی بر روایت‌پژوهی بوده است و از چهارچوب تحلیلی دیدگاه چندسطحی استفاده شده است. داده‌ها از طریق مطالعۀ آیین‌نامه‌های بانک مرکزی و گزارش‌ها و مصاحبه‌های منتشرشده در رسانه‌های فین‌تکی از ابتدای 1389 تا پایان 1399 جمع‌آوری شده است. تعداد 829 گزارش این دورۀ زمانی بررسی شد که از میان آن‌ها 130 گزارش مرتبط با بحث بود و با مطالعۀ آن بازیگران و ارتباط آن‌ها با یکدیگر و رفتارشان در مقابل تغییرات آیین‌نامه، قانون، و خدمات نوینِ ارائه‌شده بررسی شد. به‌این‌ترتیب، هم‌زیست یا رقابتی بودن روابط و همچنین سطح توسعۀ نوآوری‌ها و قدرت رقابت آن با رژیم تحلیل شد. نتایج نشان داد مسیر گذار از نوع جایگزینی است و به‌علت تدریجی‌بودن تغییرات از الگوی تناسب و تطابق پیروی می‌کند.

کلیدواژه‌ها

موضوعات


عنوان مقاله [English]

Typology of the Transition Path to Payment Technology (PayTech) in Iran

نویسندگان [English]

  • Mercedeh Pahlavanian 1
  • Meysam Shirkhodaie 2
  • Sepehr Ghazinoory 3
1 PhD Student, ,Management,, Faculty of Economics and Administrative Sciences, University of Mazandaran
2 Associate Prof., Faculty of Economics and Administrative Sciences, University of Mazandaran, Babolsar, Iran
3 Professor, faculty of IT Management and Economics,Tarbiat Modares University, Iran
چکیده [English]

Payment technology or paytech is one of the largest sub-sectors of fintech and focuses on the movement of money within the country. the transition from traditional services to innovative services has many advantages, but in terms of establishing international relations, protecting users, and also the environment in which the startup business operates, the challenges exist. The purpose of this study is to know the typology of paytech transition path Based on what has happened so far in the field of payment. The research paradigm is interpretive and the research method is qualitative and based on narrative-research and the analytical framework of multilevel perspective is used. data has been collected from Central Bank Regulations and reports published in fintech media from the beginning of 1389 to the end of 1399. During this period, 829 reports were reviewed, of which 130 were related to the discussion, and by studying them, the actors and their relationship with each other and their behavior in the face of changes in regulations, laws, and the provision of new services were examined and the coexistence or competitiveness of the relationship, as well as the level of development of innivation and its competitiveness with the regime were analyzed. results show that the transition path is technological substitution and due to the gradual changes, it follows the pattern of Fit and Conform.

کلیدواژه‌ها [English]

  • Socio-Technical Transition"
  • Payment Technology"
  • "
  • Pay Tech"
  • . "
  • Multi-Level Perspective (MLP)"
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