پذیرش فناوری زنجیره بلوک در صنعت بانکداری ایران

نوع مقاله : مقاله پژوهشی

نویسنده

استادیار گروه مدیریت، دانشکده اقتصاد، مدیریت و علوم اجتماعی، دانشگاه شیراز، شیراز، ایران.

چکیده

صنعت بانکداری تحت تاثیر تحول اقتصادی، توسعه اینترنت و نوآوری‌های مالی است. از همین رو صنعت بانکداری نیازمند تحول فوری و جست‌و جوی راه‌های توسعه جدید می‌باشد. از سوی دیگر فناوری زنجیره بلوک یک فناوری تحول آفرین است که موجب تغییر در مدل‌های کسب‌وکار می‌شود. با استفاده از معماری نرم افزار توزیع شده و رایانش پیشرفته، زنجیره بلوک می‌تواند شیوه تبادل اطلاعات بین کنشگران زنجیره را تغییر دهد. از همین رو هدف این پژوهش شناسایی عوامل موثر بر پذیرش و به کارگیری فناوری زنجیره بلوک در صنعت بانکداری ایران می‌باشد. این پژوهش کاربردی و از نوع روش توصیفی همبستگی است. مدل تئوری یکپارچه پذیرش و استفاده از فناوری به عنوان مدل نظری پژوهش به کار گرفته شد. جامعه آماری پژوهش شامل کلیه کارکنان صنعت بانکداری در شعب شیراز می‌باشد. برای تحلیل داده ها از معادلات ساختاری و نرم افزار اسمارت پی ال اس استفاده شد. نتایج نشان داد که انتظار عملکرد، انتظار تلاش، تاثیر اجتماعی و عوامل فردی تاثیر معناداری بر نیت استفاده از فناوری زنجیره بلوک دارند. همچنین عامل آخر و مهم تاثیر مثبت عامل نیت رفتاری بر کاربری واقعی فناوری زنجیره بلوک بود. در نهایت در نظام بانکداری ایران به کارگیری فناوری زنجیره بلوک به عنوان راهی برای رفع محدودیت‌های اقتصادی و پرداخت-های تجاری مورد پذیرش قرار می‌گیرد.

کلیدواژه‌ها


عنوان مقاله [English]

Blockchain Technology Acceptance in Iran's Banking Industry

نویسنده [English]

  • Mohammad Hossein Ronaghi
Assistant Professor, Faculty of Economics, Management and Social Sciences, Shiraz University, Shiraz, Iran.
چکیده [English]

Banking industry affected by economic transformation, internet development, and financial innovations. Hence, the banking industry requires urgent transformation and is seeking new growth avenues. On the other hand, blockchain technology is a disruptive technology that changes business models. Using distributed software architecture and advanced computing, blockchain can change the way information is exchanged between actors in the chain. Therefore, the research purpose is to identify the influential factors in the acceptance and then application of blockchain in Iran's banking industry. This research is applied and descriptive correlational method was used. The UTAUT - Unified Theory of Acceptance and Use of Technology – has been contextually used as the theoretical model of the research. Moreover, the statistical population of the research is all the employees in banking industry in Shiraz. For data analysis, structural equation modeling and Smart PLS software have been used. The results accentuated and proved the positive impacts of Performance expectancy, Effort expectancy, social influence and Individual factors on the intention to use blockchain technology. Moreover, the last but not least important factor, was the impact of Behavioral Intention on the actual use of blockchain technology. As a result, in Iran's banking system, the use of blockchain is being accepted as a way of rolling out economic constraints and making commercial payments.

کلیدواژه‌ها [English]

  • Blockchain
  • Banking Industry
  • Technology Acceptance
  • Industry 4
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