تأثیر فناوری مالی بانکی بر ثبات مالی در صنعت بانکداری ایران (مقاله علمی وزارت علوم)
درجه علمی: نشریه علمی (وزارت علوم)
آرشیو
چکیده
توسعه فناوری مالی، صنعت بانکداری را متحول کرده و فرصت ها و چالش هایی را برای مؤسسات مالی ایجاد کرده است. از این رو، خدمات بانکداری دیجیتال افزایش یافته و منجر به افزایش قابل توجه تقاضا برای این خدمات در بین مشتریان شده است. این انتقال سریع به سمت بانکداری دیجیتال، مدل بانکداری سنتی در ایران را تغییر داده و موجب تغییری اساسی در نحوه ارائه خدمات مالی شده است. این مقاله به بررسی تأثیر فناوری مالی بانکی بر ثبات مالی در صنعت بانکداری ایران با استفاده از داده های تابلویی بین سال های 1386 تا 1400 می پردازد. نتایج تجربی نشان می دهد که یک رابطه U شکل بین فناوری مالی و ثبات مالی در صنعت بانکداری وجود دارد؛ بدین معنا که فناوری مالی در ابتدا ثبات مالی در صنعت بانکداری را کاهش داده و سپس با گسترش فناوری در صنعت بانکداری، ثبات مالی افزایش می یابد. از این رو، اقداماتی در جهت توسعه زیرساخت های فنی، تقویت نظارت و اعمال قوانین و مقررات مناسب، تعیین استراتژی ها و سیاست های دقیق و بهره گیری از فناوری های امنیتی می تواند به بهبود ثبات بانکی کمک کند.The effect of banking financial technology on the financial stability of the banking industry in Iran
Introduction The advancement of financial technology has revolutionized the banking industry globally, presenting both opportunities and challenges for financial institutions. This swift transition towards digital finance has reshaped the traditional banking model in Iran, triggering a fundamental shift in how financial services are delivered and consumed. Against this backdrop, the primary aim of this study is to assess the impact of banking financial technology on the stability of Iran's banking industry. As financial institutions in Iran navigate the complexities of integrating digital solutions into their operations, understanding the implications of this transformation on banking stability becomes paramount. Method This study employs a panel data analysis approach spanning a timeframe from the years 2007 to 2022. By leveraging empirical techniques and statistical modeling, the research seeks to uncover crucial insights into how the adoption of financial technology influences the overall stability of the banking industry in Iran. Results : The results reveals a nuanced relationship between financial technology adoption and the stability of Iran's banking industry. A noteworthy finding from the research is the identification of a U-shaped relationship, suggesting a complex trajectory in which financial technology impacts banking stability. Initially, the introduction of financial technology into banking operations may contribute to a temporary decrease in stability as institutions adjust to the disruptive nature of digital innovations. However, as financial technology becomes more deeply ingrained in the fabric of the banking sector, the research indicates a reversal in this trend, leading to an eventual increase in banking stability. This U-shaped relationship underscores the transformative potential of financial technology in reshaping the stability dynamics of the banking industry in Iran over time. It highlights the importance of recognizing the temporary destabilizing effects of technological disruptions while acknowledging the long-term benefits that can be derived from the strategic integration of digital solutions.Conclusion:The findings of this study underscore the critical role that robust technical infrastructure, effective regulatory oversight, and strategic policy frameworks play in ensuring the stability of Iran's banking industry amidst the rising tide of financial technology adoption. As banks navigate the evolving landscape of digital finance, it becomes imperative to implement tailored strategies that support the seamless integration of technology while safeguarding the stability and resilience of the financial system. By proactively addressing the challenges posed by the digital transformation of banking services, Iranian financial institutions can leverage the power of financial technology to drive innovation, enhance efficiency, and ultimately strengthen banking stability in the long run. Through a coordinated approach that focuses on enhancing cybersecurity measures, fostering regulatory compliance, and promoting innovation, the banking industry in Iran can harness the potential of financial technology as a catalyst for sustainable growth and resilience in an increasingly digital era.
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