نقش کلان داده در آینده صنعت بانکداری با رویکرد سناریونگاری (مقاله علمی وزارت علوم)
درجه علمی: نشریه علمی (وزارت علوم)
آرشیو
چکیده
این پژوهش با هدف توسعه سناریوهای بانکداری ایران با تأکید بر کلان داده ها انجام شده است. پژوهش حاضر از نظر جهت گیری، کاربردی و از منظر هدف، اکتشافی است. همچنین از نظر مبانی فلسفی، عملگرا و روش شناسی آن آمیخته است. برای اجرای پژوهش در مرحله اول از طریق مرور ادبیات و مصاحبه با خبرگان حوزه بانکداری و فناوری که بر اساس نمونه گیری هدفمند انتخاب شدند، 20 پیشران کلیدی پژوهش استخراج گردید. پس از غربال با روش دلفی فازی، 8 عامل حذف گردید و مابقی با تکنیک تصمیم گیری مارکوس مورد ارزیابی قرار گرفتند. یافته های پژوهش نشان داد، دو عامل «رگولاتوری فناوری» و «هزینه های انتقال فناوری» به عنوان عدم قطعیت های کلیدی برای تدوین سناریوهای پژوهش می باشند. بر اساس این دو عدم قطعیت کلیدی، چهار سناریو بر اساس مصاحبه با گروه کانونی با عناوین بانکداری جامع، بانکداری ایستا، بانکداری جستجوگر، بانکداری سرگردان توسعه یافت. در سناریو بانکداری جامع، همه چیز در حالت مطلوب خودش هست؛ هزینه های انتقال فناوری کاهش پیدا کرده و رگولاتوری ها حامی فناوری ها است. با توجه به یافته های پژوهش، در نظر گرفتن پیشران ها، عدم قطعیت های کلیدی و سناریوهای بدیل، توسط مدیران و تصمیم گیرندگان می تواند موجب بهبود عملکرد و افزایش مزیت رقابتی بانک ها شود.The Role of big data in the future of the banking industry with scenario planning approach
This research has been done with the aim of developing Iran's banking scenarios with an emphasis on big data. The current research is practical in terms of orientation and exploratory in terms of the goal. It is also mixed in terms of its philosophical, pragmatic and methodological foundations. To carry out the research in the first stage, 20 key drivers of the research were extracted through literature review and interviews with banking and technology experts. After screening with the fuzzy Delphi method, 8 factors were removed and the rest were evaluated with the Marcus decision making technique. The findings of the research show that the two factors of "technology regulation" and "technology transfer costs" were chosen as key uncertainties for developing research scenarios. Based on these two key uncertainties, four scenarios were developed based on interviews with the focus group with the titles of comprehensive banking, static banking, searching banking, wandering banking. In the comprehensive banking scenario, everything is in its optimal state; Technology transfer costs have decreased and regulators are supportive of the technologies. According to the findings of the research, considering drivers, key uncertainties and alternative scenarios by managers and decision makers can improve the performance and increase the competitive advantage of banks.IntroductionFinancial innovations has been challenged the banking sector and can improve it. They cover a variety of financial businesses such as online lending, asset management platforms, trading management, mobile payment platforms, etc. All these services generate a large amount of data every day (Hasan et al, 2020: 1). Analyzing this volume of data is difficult, giving rise to the concept of "big data" (Munawar et al, 2020: 2). Big data as one of the important fields of future technology has attracted the attention of various industries (Raguseo & Vitari, 2018: 5206). In general, big data refers to a large volume of structured or unstructured data that is generated and stored at a high speed (Dicuonzo et al, 2019: 41). Big data has found its position in the banking industry; Because of the useful data they have stored in recent years (Rakhman et al, 2019: 1632). Recent applications of big data in banking have been for improving customer relationship management, marketing, optimizing strategic management and human resources (Parmar, 2018: 33; Hassani et al, 2018: 2). Therefore, it can be said that nowadays big data plays a major role in providing financial and banking services, and the realization of its potential benefits in banking is more from technical aspects and affects the organizational structure of banking and mobilizes a large number of different actors (Diniz et al, 2018: 151- 152). With changes in customer expectations and increased competition, the banking industry is no longer able to ignore technological innovations in the banking sector. Due to the numerous applications and benefits of big data in various industries, including the banking industry, and it's becoming more widespread in the future, this technology is becoming a prominent research topic (Phan & Tran, 2022: 6.)Research Question(s)What are the plausible scenarios for banking in Iran with an emphasis on big data? Literature ReviewMany studies conducted in the field of banking and big data deal with the role of big data in improving the performance of the banking industry (for instance: Shakya & Smys, 2021; Gonsalves & Jadhav, 2020; Hung et al, 2020; Parmar, 2018). Also, another part of the studies conducted with a future research approach in the banking sector without focusing on innovative financial technologies and specifically big data (for instance: Baumgartner & Peter, 2022; Eskandari et al,2020). The focus on innovative banking and financial technologies with a Futures Studies approach has been weak (for instance: Maja & Letaba, 2022; Murinde et al, 2022; Hajiheydari et al, 2021; Broby, 2021; Harris & Wonglimpiyarat, 2019). And the role of big data in the Futures Studies of the banking industry has been seen to be very limited due to the relatively large amount of data available in banks and its effect on performance and gaining a competitive advantage (for instance: Valero et al, 2020). Therefore, despite the studies conducted in the field of banking and big data, some of these researches have paid attention to the present time, and the researches conducted in the future of the banking industry have also been without focusing on the role of big data. Now, the most important theoretical gap in research is the lack of studies on the future of banking in Iran with an emphasis on big data. MethodologyThe current research is pragmatism due to the use of qualitative and quantitative methods from the perspective of philosophical foundations. It is also exploratory in terms of purpose due to the identification of drivers and practical in terms of direction due to the application of the results in the analysis of the future of banking in Iran. In the current research, two methods of literature review and interviews with experts are used to identify drivers, both of which are qualitative methods. According to Popper, the interview tool is based on the expert dimension. The literature review is evidence-based and uses articles and scientific texts to identify factors. Fuzzy Delphi, which is semi-quantitative and evidence-based, is used to screen and determine key drivers that require great accuracy. Then, to determine the key uncertainties, the MARCOS technique is used based on the importance and uncertainty indicators of the Global Business Network (GBN) approach, which is a quantitative and evidence-based technique. Finally, interviews with focus groups are used to write the scenario, which is a qualitative method based on the expert dimension. The theoretical community of the research includes academic experts and managers of the banking sector and are aware of new banking and financial technologies (Fintechs) and specifically big data. The selection of the participants is based on their knowledge and nobility of the research topic and the importance of their presence in the research, and finally 15 people were selected by purposeful sampling using the snowball method. Experts have at least 10 years of relevant work experience and a master's degree. ConclusionThis research has clarified the situation of this area by identifying the shaping factors and drivers of the future of banking in Iran. Two factors of "technology regulation" and "technology transfer costs" were chosen as key uncertainties for developing research scenarios. Based on these two key uncertainties, four scenarios were developed based on interviews with the focus group with the titles of comprehensive banking, static banking, searching banking, wandering banking. In the comprehensive banking scenario, everything is in its optimal state; Technology transfer costs have decreased and regulators are supportive of the technologies. Considering drivers, key uncertainties and alternative scenarios by managers and decision makers can improve the performance and increase the competitive advantage of banks.Keywords: Futures Studies, Driver, Scenario Planning, Banking, Big Data.
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