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تأثیر فناوری مالی بانکی بر ثبات مالی در صنعت بانکداری ایران | ||
اقتصاد باثبات | ||
دوره 5، شماره 2 - شماره پیاپی 14، تیر 1403، صفحه 123-150 اصل مقاله (627.45 K) | ||
نوع مقاله: پژوهشی | ||
شناسه دیجیتال (DOI): 10.22111/sedj.2024.48471.1463 | ||
نویسندگان | ||
ارزو کرمی1؛ هادی اسماعیل پورمقدم* 2 | ||
1دانشجوی ارشد اقتصاد، گروه اقتصاد، دانشکده علوم اداری و اقتصادی، دانشگاه فردوسی مشهد، مشهد، ایران. | ||
2استادیار، گروه اقتصاد، دانشکده علوم اداری و اقتصادی، دانشگاه فردوسی مشهد، مشهد، ایران | ||
چکیده | ||
توسعه فناوری مالی، صنعت بانکداری را متحول کرده و فرصتها و چالشهایی 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 دادههای تابلویی بین سالهای 1386 تا 1400 میپردازد. نتایج تجربی نشان میدهد 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 مییابد. از این رو، اقداماتی در جهت توسعه زیرساختهای فنی، تقویت نظارت و اعمال قوانین و مقررات مناسب، تعیین استراتژیها و سیاستهای دقیق و بهرهگیری از فناوریهای امنیتی میتواند به بهبود ثبات بانکی کمک کند. | ||
کلیدواژهها | ||
فناوری مالی؛ ثبات؛ بانکداری؛ ایران | ||
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