A Systematic Literature Review of Bank-fintech Collaboration

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A Systematic Literature Review of Bank-fintech Collaboration

Mohammad Ali Shah Hosseini

Associate Prof., Department of Business Management, Faculty of Management, University of Tehran, Tehran, Iran. E-mail: sahhoseini@ut.ac.ir

Masoud Keimasi

Assistant Prof., Department of Business Management, Faculty of Management, University of Tehran, Tehran, Iran. E-mail: keimasi@ut.ac.ir

Mehdi Shami Zanjani

Associate Prof., Department of IT, Faculty of Management, University of Tehran, Tehran, Iran.

E-mail: shamizanjani@ut.ac.ir

Maryam Haghighikhah*

*Corresponding Author, Ph.D. Candidate, Department of Business Policy Making, Faculty of Management, University of Tehran, Tehran, Iran. E-mail: m.haghighikhah@ut.ac.ir

Abstract

Objective

With the advent of new technologies and the changing behavior of customers, the global banking industry needs to take on the challenges of innovation in its processes. Changes in technology, regulatory requirements, and the crisis in the economy along with changing the expectations of customers are the requirements for a substantial change in the banking system. Using digital technologies, fintech companies have offered innovative services to enhance customer satisfaction, in some cases proving more efficient than banks. The bank-fintech collaboration, which comes in various forms, relies on the capabilities of each institution and the cooperation’s benefits for each of them.

Such collaboration has attracted the researchers' attention to the extent that a considerable number of papers have focused on fintechs despite its novelty. This study aims to review the existing scientific papers and their achievements regarding bank-fintech collaboration. This study focuses on the necessity, drivers and benefits, risks, obstacles, and types of bank-fintech collaboration in scientific papers.

Methodology

The present research is conducted based on the systematic literature review method. For this purpose, the related literature was systematically reviewed over a period of 7 months. At first, after specifying the subject of study, the research question was developed in accordance with the research design. Then the research protocol was designed and an appropriate mental model was designed accordingly.

Subsequently, inclusion and exclusion criteria were determined. Accordingly, the comprehensive and

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systematic search began within the literature and 986 studies were considered. After classification, screening, and measurement of their quality (methodological assessment based on PRISMA Statement), 41 studies were finally examined in depth (through a detailed review of their abstracts, introduction, methodology, and results) and the required data were collected. Then, in the last step, the obtained data were classified, codified (using the open coding method through Excel software), synthesized, and finally summarized.

Findings

Based on the obtained results, all the factors that affect the cooperation between banks and fintech companies can be classified into four main categories of both parties’ characteristics, relational features, collaboration requirements, and macro issues. Each category also includes a number of subcategories and codes. A total of four categories, 11 sub-categories, and 43 codes make up the factors that play a role in the formation of cooperation between banks and fintech companies.

According to the diversity of detected factors, it can be concluded that the formation of cooperation between banks and fintech companies is a complex process and must be considered a multi- dimensional concept.

Conclusion

Finally, a schematic Model was developed to explain how effective factors affect cooperation formation. According to the diversity of the detected factors, it can be concluded that the formation of cooperation among banks and fintech companies is a multi-dimensional and complex process.

Keywords: Banking, Fintech, Cooperation Model.

Citation: Shah Hosseini, Mohammad Ali; Keimasi, Masoud; Shami Zanjani, Mehdi & Haghighikhah, Maryam (2022). A Systematic Literature Review of Bank-Fintech Collaboration. Journal of Business Management, 14(2), 199- 227. https://doi.org/10.22059/JIBM.2022.328496.4191 (in Persian)

Journal of Business Management, 2022, Vol. 14, No.2, pp. 199- 227 Received: September 18, 2021

Published by University of Tehran, Faculty of Management Received in revised form: November 24, 2021 doi: https://doi.org/10.22059/JIBM.2022.328496.4191 Accepted: January 09, 2022

Article Type: Research Paper Published online: August 06, 2022

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ﺎﺳﺎﻨﺷ ﻲﻳ ﻞﻣاﻮﻋ ﻣ

ﺆ ﺮﺛ ﺮﺑ رﺎﻜﻤﻫ ي ﻚﻧﺎﺑ ﺎﻫ و ﻓ ﻦﻴ ﻚﺗ ﺎﻫ ﺎﺑ هدﺎﻔﺘﺳا زا

روﺮﻣ

مﺎﻈﻧ ﺪﻨﻣ ﻴﺑدا تﺎ ﻤﻠﻋ ﻲ

ﻲﻠﻋﺪﻤﺤﻣ هﺎﺷ

ﻲﻨﻴﺴﺣ

،رﺎﻴﺸﻧاد هوﺮﮔ

،ﻲﻧﺎﮔرزﺎﺑ هﺪﻜﺸﻧاد

،ﺖﻳﺮﻳﺪﻣ هﺎﮕﺸﻧاد

،ناﺮﻬﺗ

،ناﺮﻬﺗ ناﺮﻳا . ﻪﻣﺎﻧﺎﻳار :

shahhoseini@ut.ac.ir

دﻮﻌﺴﻣ ﻲﺳﺎﻤﻴﻛ

،رﺎﻳدﺎﺘﺳا هوﺮﮔ

،ﻲﻧﺎﮔرزﺎﺑ هﺪﻜﺸﻧاد

،ناﺮﻬﺗ

keimasi@ut.ac.ir

يﺪﻬﻣ ﻲﻣﺎﺷ ﻲﻧﺎﺠﻧز

،رﺎﻴﺸﻧاد هوﺮﮔ يروﺎﻨﻓ

،تﺎﻋﻼﻃا هﺪﻜﺸﻧاد

،ناﺮﻬﺗ

shamizanjani@ut.ac.ir

ﻢﻳﺮﻣ ﻲﻘﻴﻘﺣ

*هاﻮﺧ

* هﺪﻨــﺴﻳﻮﻧ

،لﻮﺌــﺴﻣ يﻮﺠــﺸﻧاد

،يﺮــﺘﻛد ﻪﺘــﺷر ﺖــﺳﺎﻴﺳ يراﺬــﮔ

،ﻲﻧﺎــﮔرزﺎﺑ هﺪﻜــﺸﻧاد

،ﺖﻳﺮﻳﺪــﻣ هﺎﮕــﺸﻧاد

،ناﺮــﻬﺗ

،ناﺮــﻬﺗ ناﺮــﻳا . ﻪــﻣﺎﻧﺎﻳار :

m.haghighikhah@ut.ac.ir

هﺪﻴﻜﭼ فﺪﻫ :

،هزوﺮﻣا ﺎﺑ رﻮﻬﻇ يروﺎﻨﻓ يﺎﻫ ﺪﻳﺪﺟ و دﺎﺠﻳا تاﺮﻴﻴﻐﺗ هدﺮﺘﺴﮔ رد رﺎﺘﻓر

،نﺎﻳﺮﺘﺸﻣ ﺖﻌﻨﺻ ﻲﻜﻧﺎـﺑ شﻮﺨﺘـﺳد ﺮـﻴﻴﻐﺗ

رﺎﺘﺧﺎـﺳ و يﺎـﻫدﺮﻜﻳور

نﺎﻣزﺎﺳ ﻲﻫد ﺪﻨﻳاﺮﻓ يﺎﻫ يرﺎﺠﺗ هﺪﺷ ﺖﺳا . ﻻﻮﺤﺗ ت

،يروﺎﻨﻓ تﺎﻣاﺰﻟا ﻦﻴﻧاﻮﻗ و تارﺮﻘﻣ و ناﺮﺤﺑ رد دﺎـﺼﺘﻗا رد رﺎـﻨﻛ ﺮـﻴﻴﻐﺗ رﺎـﻈﺘﻧا تا

،نﺎﻳﺮﺘـﺸﻣ

ﻲﺗروﺮﺿ ياﺮﺑ دﺎﺠﻳا لﻮﺤﺗ ﻲﺳﺎﺳا رد مﺎﻈﻧ ﻲﻜﻧﺎﺑ ﺖﺳا . ﺎﺑ رد ﺮﻈﻧ ﻦﺘﻓﺮﮔ ﻦﻳا

،ﻞﻣاﻮﻋ ﻚﻧﺎﺑ يﺎﻫ

،ﻲﺘﻨﺳ ﺎﺑ ﺶﻟﺎﭼ يﺎﻫ يروآﻮﻧ رد ﺮﻓ ا يﺎﻫﺪﻨﻳ دﻮﺧ

ﺪﻨﻬﺟاﻮﻣ . رد ﻦﻳا نﺎﻴﻣ

، ﺖﻛﺮﺷ يﺎﻫ ﻦﻴﻓ ﻚﺗ ﺎﺑ هﺮﻬﺑ يﺪﻨﻣ زا يروﺎﻨﻓ يﺎﻫ

،لﺎﺘﻴﺠﻳد تﺎﻣﺪـﺧ ﻪـﻧاروآﻮﻧ يا ار ياﺮـﺑ يﺮﺘـﺸﻣ يراﺪـﻣ ﺮﺘـﺸﻴﺑ ﻪـﺿﺮﻋ

هدﺮﻛ ﺪﻧا ﻪﻛ رد ﻲﻌﻗاﻮﻣ رﺎﻴﺴﺑ ﺮﺗﺪﻣآرﺎﻛ زا ﻚﻧﺎﺑ ﺎﻫ هدﻮﺑ ﺖﺳا . يرﺎﻜﻤﻫ نﺎﻴﻣ ﻦﻳا ود دﺎﻬﻧ

، رد ﺖﻴﻠﺑﺎﻗ يﺎﻫ ﺮﻫ فﺮـﻃ و هدروآ يﺎـﻫ نآ ياﺮـﺑ فﺮـﻃ

ﻞﺑﺎﻘﻣ ﻪﺸﻳر دراد و ﻪﺑ لﺎﻜﺷا نﻮﮔﺎﻧﻮﮔ مﺎﺠﻧا هﺪﺷ ﺖﺳا . رد ﻦﻳا ﻪﻟﺎﻘﻣ ﺎﺑ ندﺮﻤﺷﺮﺑ ﻞﻣاﻮﻋ راﺬﮔﺮﺛا ﺮﺑ يﻮﮕﻟا يرﺎﻜﻤﻫ ﻚﻧﺎﺑ و ﻦﻴﻓ

،ﻚﺗ يﺎﻫدﺮﺒﻫار

يرﺎﻜﻤﻫ ﻚﻧﺎﺑ و ﻦﻴﻓ ﻚﺗ ﻲﺳرﺮﺑ هﺪﺷ ﺖﺳا .

شور : ياﺮﺑ ﻲﺑﺎﻴﺘﺳد ﻪﺑ فﺪﻫ

،ﺶﻫوﮋﭘ شور روﺮﻣ مﺎﻈﻧ ﺪﻨﻣ تﺎﻴﺑدا ﻲﺸﻫوﮋﭘ ﺮﻈﻧﺪﻣ راﺮﻗ ﻪﺘﻓﺮﮔ

؛ﺖﺳا زا ﻦﻳا ور ﺎـﺑ هدﺎﻔﺘـﺳا زا بﻮﭼرﺎـﭼ ﻧﺎﻴﺑ ـﻴ ﻪ

،ﺎﻣﺰﻳﺮﭘ 986 ﺎﻘﻣ ﻪﻟ بﺎﺨﺘﻧا و ﻲﻃ ود ﻪﻠﺣﺮﻣ ﺶﻳﻻﺎﭘ

، رد ﺖﻳﺎﻬﻧ 41 ﻪﻟﺎﻘﻣ ياﺮﺑ روﺮﻣ مﺎﻈﻧ ﺪﻨﻣ بﺎﺨﺘﻧا ﺪﺷ .

ﻪﺘﻓﺎﻳ ﺎﻫ : 43 ﻣ ﺆ ﻪﻔﻟ ﻪﺑ ناﻮﻨﻋ ﻞﻣاﻮﻋ ﺮﺛﺆﻣ ﺮﺑ ﻞﻜﺷ ﻴﮔ ﺮ ي ﺎﻫﻮﮕﻟا ي يرﺎـﻜﻤﻫ رد ﺐـﻟﺎﻗ 11 هزﺎـﺳ و 4 ﻪـﻟﻮﻘﻣ ﻲﻠـﺻا ﻞﻣﺎـﺷ تﺎـﺼﺨﺸﻣ ﺮـﻃ

ﻓﻴ

،ﻦ

و ﻳ ﮔﮋ ﻲ يﺎﻫ ﻃﺎﺒﺗرا ﻲ

، ﻀﺘﻘﻣ ﻴ تﺎ رﺎﻜﻤﻫ ي و ﻞﻣاﻮﻋ نﻼﻛ ترﻮﺻ يﺪﻨﺑ ﺪﺷ .

ﻪﺠﻴﺘﻧ يﺮﻴﮔ : رد ﺶﻫوﮋﭘ

،ﺮﺿﺎﺣ ﻞﻣاﻮﻋ يدﺎﻳز ﻪﺑ ﻞﻜﺷ يﺮﻴﮔ يﻮﮕﻟا يرﺎﻜﻤﻫ ﻚﻧﺎﺑ و ﻦﻴﻓ ﻚﺗ ﺮﺠﻨﻣ ﺪﺷ

؛ زا ﻦﻳا ور ﺪﻳﺎﺒﻧ نآ ار هﺪﻳﺪﭘ يا هدﺎـﺳ

ﺖﺷﺎﮕﻧا و ﺪﻳﺎﺑ ﻪﺑ مﻮﻬﻔﻣ يﺪﻌﺑﺪﻨﭼ ﻦﻳا هﺪﻳﺪﭘ هﺪﻴﭽﻴﭘ ﺎﺑ ﻪﺟﻮﺗ يﺮﺘﺸﻴﺑ ﺖﺴﻳﺮﮕﻧ .

هژاوﺪﻴﻠﻛ ﺎﻫ : راﺪﻜﻧﺎﺑ ي

، ﻓﻴ ﻦ

،ﻚﺗ يﻮﮕﻟا رﺎﻜﻤﻫ ي .

دﺎﻨﺘﺳا هﺎﺷ:

،ﻲﻨﻴﺴﺣ

؛ﻲﻠﻋﺪﻤﺤﻣ ﻲﺳﺎﻤﻴﻛ

،

؛دﻮﻌﺴﻣ ﻲﻣﺎﺷ

،ﻲﻧﺎﺠﻧز يﺪﻬﻣ و ﻲﻘﻴﻘﺣ

،هاﻮـﺧ ﻢﻳﺮـﻣ ) 1401 .(

ﺎـﺳﺎﻨﺷ ﻲﻳ ﻞـﻣاﻮﻋ ـﻣ ﺆ ﺮﺛ ﺮـﺑ رﺎـﻜﻤﻫ ي

ﻚﻧﺎﺑ ﺎﻫ و ﻓ ﻦﻴ ﻚﺗ ﺎﻫ ﺎﺑ هدﺎﻔﺘﺳا زا روﺮﻣ مﺎﻈﻧ ﺪﻨﻣ ﻴﺑدا تﺎ ﻤﻠﻋ ﻲ ﺖﻳﺮﻳﺪﻣ. ﻲﻧﺎﮔرزﺎﺑ

، 14 ) 2 (

، 199 - 227 .

ﺖﻳﺮﻳﺪﻣ

،ﻲﻧﺎﮔرزﺎﺑ 1401

، هرود 14

، هرﺎﻤﺷ 2

، ﺺﺻ . 199 - 227 ﺦﻳرﺎﺗ

رد ﻳ ﺖﻓﺎ : 27 / 06 / 1400

ﺮﺷﺎﻧ : ةﺪﻜﺸﻧاد ﺖﻳﺮﻳﺪﻣ هﺎﮕﺸﻧاد ناﺮﻬﺗ ﺦﻳرﺎﺗ

ﺶﻳاﺮﻳو : 03 / 09 / 1400

عﻮﻧ ﻪﻟﺎﻘﻣ : ﻲﻤﻠﻋ ﻲﺸﻫوﮋﭘ ﺦﻳرﺎﺗ

ﺬﭘ ﻳ شﺮ : 19 / 10 / 1400

نﺎﮔﺪﻨﺴﻳﻮﻧ© ﺦﻳرﺎﺗ

رﺎﺸﺘﻧا : 15 / 05 / 1401

doi: https://doi.org/10.22059/JIBM.2022.328496.4191

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ﺎﺳﺎﻨﺷ ﻲﻳ ﻞﻣاﻮﻋ ﻣ ﺆ ﺮﺛ ﺮﺑ رﺎﻜﻤﻫ ي ﻚﻧﺎﺑ ﺎﻫ و ﻦﻴﻓ ﻚﺗ ﺎﻫ ﺎﺑ هدﺎﻔﺘﺳا زا ...

/ هﺎﺷ ﻲﻨﻴﺴﺣ و نارﺎﻜﻤﻫ 200

ﻪﻣﺪﻘﻣ

تﻻﻮﺤﺗ ﻲﺳﺎﺳا رد ﺖﻌﻨﺻ ﻜﻧﺎﺑ يراﺪ رد ﻪﺠﻴﺘﻧ تﻻﻮﺤﺗ هدﺮﺘﺴﮔ لﺎﺘﻴﺠﻳد رد لﺎﺣ خر نداد ﺖﺳا و لﺪﻣ يﺎﻫ ﺐﺴﻛ رﺎﻛو

ﻲﺘﻨﺳ و يﺎﻫدﺎﻬﻧ دﻮﺟﻮﻣ

رد ﻪﺠﻴﺘﻧ ﻦﻳا لﻮﺤﺗ ﺎﻫ ﻪﺑ ﺶﻟﺎﭼ هﺪﻴﺸﻛ ﻲﻣ ﺪﻧﻮﺷ ) ﻲﺘﺴﻴﭼ و ﺲﻳﺮﺑرﺎﺑ

،1

2017 .(

ﺮﺑ ﺮﺛا رﺎﺸﻓ

يروﺎﻨﻓ يﺎﻫ ﺪﻳﺪﺟ ي ﻪﻛ ﺐﻠﻏا زا ﺮﻳﺎﺳ يﺎﻫوﺮﻤﻠﻗ ﺐﺴﻛ

رﺎﻛو دراو هﺪﺷ

،ﺖﺳا رد ﺖﻌﻨﺻ اﺪﻜﻧﺎﺑ ير ﺰﻴﻧ ﺖﻴﻟﺎﻌﻓ ﺎﻫ و

ﺖﻴﻠﺑﺎﻗ يﺎﻫ يﺪﻳﺪﺟ ﺪﻨﻧﺎﻣ تﺎﻣﺪﺧ زاﺮﺣا

،ﺖﻳﻮﻫ ﻦﻴﻣﺄﺗ ﻲﻟﺎﻣ

2ﻲﻌﻤﺟ و ﻦﻴﭽﻛﻼﺑ

،3

نﺎﻜﻣا ﺮﻳﺬﭘ هﺪﺷ ﺖﺳا ) شرد

، و رﺰﻳاﻮﺷ

خﺎﺑروا

،4

2018 .(

زا يﻮﺳ

،ﺮﮕﻳد لﺪﻣ يﺮﻜﻓ و يﺎﻫﻮﮕﻟا يرﺎﺘﻓر نﺎﻳﺮﺘﺸﻣ رد ﺮﺛا لﻮﺤﺗ يﺎﻫ ﺮﺼﻋ لﺎﺘﻴﺠﻳد

، ﺪﻨﻧﺎﻣ هدﺎﻔﺘﺳا زا

هﺎﮕﺘﺳد يﺎﻫ ترﺎﻛ ناﻮﺧ و ﺗ ﻞﻳﺎﻤ ﻪﺑ ﻆﻔﺣ ﻢﻳﺮﺣ ﻲﺻﻮﺼﺧ هداد

،ﺎﻫ ﺮﻴﻴﻐﺗ هدﺮﻛ و يﺎﺿﺎﻘﺗ نﺎﻧآ ياﺮﺑ تﺎﻣﺪﺧ ﻲﻟﺎﻣ ﺶﻳاﺰﻓا

اﺪﻴﭘ هدﺮﻛ ﺖﺳا )

،ﻦﻴﻴﺳﺮﺗ

،ﻮﭘ

،ﺲﻴﻟاﺰﻴﭘ ﮓﻧﺎﻛ

و

5ﻮﻳ

، 2021 .(

لﻮﺤﺗ لﺎﺘﻴﺠﻳد ﺰﻴﻧ6

رد رﺎﻨﻛ رﺎﺸﻓ يروﺎﻨﻓ و ﺶﺸﻛ

،ﺎﺿﺎﻘﺗ ﺮﺑ

هرادا رﻮﻣا يروﺎﻨﻓ تﺎﻋﻼﻃا و

يﮋﺗاﺮﺘﺳا يروﺎﻨﻓ

تﺎﻋﻼﻃا ﻚﻧﺎﺑ

ﺎﻫ ﺮﻴﺛﺄﺗ ﻣ ﻲ دراﺬﮔ و ﺪﻨﻳاﺮﻓ ﺎﻫ و لﺪﻣ ﺐﺴﻛ رﺎﻛو ﻚﻧﺎﺑ ار

نﻮﮔﺮﮔد ﻲﻣ دزﺎﺳ ) فوﺪﻣﻮﮕﻣ فﻮﻧﻼﻛﺎﺑ و اوﻮﻜﻴﻨﺘﺷر ،

،7

2021 .(

پﺎﺗرﺎﺘﺳا

8يﺎﻫ هزﻮﺣ ﻟﺎﻣ ﻲ ﺎﺑ مﺎﻧ ﻓﻴ ﻦ

9ﻚﺗ ﻪﻛ ﻛﺮﺗ ﻴ ﺐ ترﺎﺒﻋ روﺎﻨﻓ ي ﻟﺎﻣ

10ﻲ ﺖﺳا

، رد ﻪﺋارا تﺎﻣﺪﺧ ﻟﺎﻣ ﻲ ﻪﺑ ﺮﺘﺸﻣ ي زا

ﻪﺑ ﻳﺮﺗزور ﻦ روﺎﻨﻓ ي ﺎﻫ هدﺎﻔﺘﺳا ﻣ ﻲ ﺪﻨﻨﻛ و ﺎﺑ ﻪﺟﻮﺗ ﻪﺑ ﻳﺰﻫ ﻨ ﺔ ﻢﻛ و ﺖﻋﺮﺳ دﺎﻳز رد ﻪﺋارا تﺎﻣﺪﺧ و ﻲﺘﺣار

،هدﺎﻔﺘﺳا ﻪﺑ ﺎﺟ ﻳ ﺰﮕ ﻳ ﻦ

ﺒﺳﺎﻨﻣ ﻲ اﺮﺑ ي تﺎﻣﺪﺧ ﻣ ﻪﺴﺳﺆ يﺎﻫ ﺎﻣ ﻟ ﻲ ﺘﻨﺳ ﻲ ﺪﺒﺗ ﻳ ﻞ هﺪﺷ ﺪﻧا ) لﻮﺳﺎﺑ و

11ﻞﺗﺎﭘ

، 2018 .(

ﺪﺷر و شﺮﺘﺴﮔ ﻓﻴ ﻦ ﻚﺗ ﺎﻫ رد

نﺎﻬﺟ

، يﺎﻳﻮﮔ ﻤﻫا ﻴ ﺖ ﺎﻬﻧآ رد ﺖﻌﻨﺻ راﺪﻜﻧﺎﺑ ي ﺖﺳا و زا ﺎﺠﻧآ ﻪﻛ ﻓﻴ ﻦ ﻚﺗ ﺎﻫ ﺑﻴ ﺮﺘﺸ زا ﻪﻜﻧآ ﻞﺨﻣ ﻟﺎﻌﻓ ﻴ ﺖ يﺎﻫ راﺪﻜﻧﺎﺑ ي

داﺪﻤﻠﻗ

،ﺪﻧﻮﺷ شزرا هدوﺰﻓا اﺮﺑ ي اﻳ ﻦ ﺖﻌﻨﺻ اﻳ دﺎﺠ ﻣ ﻲ

،ﺪﻨﻨﻛ رد نﻮﻧﺎﻛ ﻪﺟﻮﺗ ﺎﻫرﻮﺸﻛ ي ﻪﻌﺳﻮﺗ ﻳ ﻪﺘﻓﺎ راﺮﻗ ﻪﺘﻓﺮﮔ ﺪﻧا

؛ ﻪﺑ ﻪﻧﻮﮔ يا

ﻪﻛ رد تﻻﺎﻳا هﺪﺤﺘﻣ

، رد لﺎﺳ 2019 ناﺰﻴﻣ ﻪﻳﺎﻣﺮﺳ يراﺬﮔ رد ﻦﻳا ﺶﺨﺑ ﻪﺑ 67,8 درﺎﻴﻠﻴﻣ رﻻد ﺶﻳاﺰﻓا ﺘﻓﺎﻳ ﻪ ﺖﺳا

، رد ﻲﻟﺎﺣ

ﻪﻛ رد لﺎﺳ 2008 ﺎﻬﻨﺗ 800 نﻮﻴﻠﻴﻣ رﻻد هدﻮﺑ ﺖﺳا ) ﻲﻨﻴﻤﺠﭙﻛ

،12

2020 .(

ﺶﺨﺑ ﻦﻴﻓ ﻚﺗ رد لﺎﺳ 2019

، ﺶﻴﺑ زا 150

درﺎﻴﻠﻴﻣ رﻻد ﻪﻳﺎﻣﺮﺳ ار ﻪﺑ دﻮﺧ بﺬﺟ هدﺮﻛ ﺖﺳا ﻪﻛ ﺮﺑ نوﺰﻓا 40

ﺪﺻرد زا ﻦﻳا ناﺰﻴﻣ ﻪﻳﺎﻣﺮﺳ يراﺬﮔ

، ﻪﺑ رﻮﻃ ﻢﻴﻘﺘﺴﻣ ﺎﻳ ﺎﺑ

ﻪﻄﺳاو ﻂﺳﻮﺗ ﻚﻧﺎﺑ ﺎﻫ ترﻮﺻ ﻪﺘﻓﺮﮔ ﺖﺳا . رد لﺎﺳ 2019

، ﺶﻴﺑ زا 100 درﺎﻴﻠﻴﻣ ﻻد ر زا ﻪﻳﺎﻣﺮﺳ يراﺬﮔ رد هزﻮﺣ ﻦﻴﻓ ﻚﺗ زا

ﻖﻳﺮﻃ ﻚﻴﻠﻤﺗ و 44 درﺎﻴﻠﻴﻣ رﻻد نآ زا ﻖﻳﺮﻃ ﻲﻋاﻮﻧا زا ﺖﻛرﺎﺸﻣ رد

ﻦﻴﻣﺄﺗ ﻪﻳﺎﻣﺮﺳ هدﻮﺑ ﺖﺳا ) ﻲﻛ ﻲﭘ ما

13ﻲﺟ

، 2020 (.

ﻲﻠﻋ ﻢﻏر ﺶﻫﺎﻛ ﺪﺷر ﻦﻴﻓ ﻚﺗ ﺎﻫ رد لﺎﺳ 2020 ﻪﻛ رﺎﺛآ زا ﻮﺳ ء ﻪﻤﻫ ﮔ ﻴ يﺮ ﺪﻳوﻮﻛ 19 هدﻮﺑ و ناﺰﻴﻣ ﻪﻳﺎﻣﺮﺳ يراﺬﮔ ﺪﻳﺪﺟ رد

ﻦﻳا هزﻮﺣ ر ا ﻪﺑ ﻒﺼﻧ ﺶﻫﺎﻛ هداد ﺖﺳا

، نﺎﻨﭽﻤﻫ ﺖﻌﻨﺻ ﻦﻴﻓ ﻚﺗ ﻪﺒﺗر لوا بﺬﺟ ﻪﻳﺎﻣﺮﺳ رد نﺎﻴﻣ يروﺎﻨﻓ يﺎﻫ ﻦﻳﻮﻧ ار

ـــــــــــــــــــــــــــــــــــــــــــــــــــــــــــ ـــــــــــــــــــــــــــــــــــــــــــــــــــــــــــــــــــــــــ

1. Chishti & Barberis 2. Crowd Funding 3. Blockchain

4. Drasch, Schweizer & Urbach 5.Teresiene, Pu, Pieczulis, Kong& Yue 6. Digital Transformation

7. Magomedov, Reshetnikova& Buklanov 8. Startup

9. Fintech

10. Financial Technology 11. Basole & Patel 12. Capgemini 13. KPMG

(5)

201 ﺖﻳﺮﻳﺪﻣ

،ﻲﻧﺎﮔرزﺎﺑ 1401

، هرود 14

، هرﺎﻤﺷ 2

راد د ) قﺎﺗا دﺎﺼﺘﻗا ﻲﻧﺎﻬﺟ

،1

2020 .(

ﺮﺑ ﻦﻳا

،سﺎﺳا ﻦﻴﻓ ﻚﺗ ﻪﺑ ناﻮﻨﻋ رﻮﺗﻮﻣ ﻪﻛﺮﺤﻣ يروآﻮﻧ رد ﺖﻌﻨﺻ ﻲﻟﺎﻣ ﻪﺘﺧﺎﻨﺷ هﺪﺷ و

ﺶﻴﭘ ﻲﻨﻴﺑ ﻲﻣ دﻮﺷ رد هﺪﻨﻳآ

، ﻲﺸﻘﻧ ﻲﺳﺎﺳا رد ﻦﻳا ﺖﻌﻨﺻ ﻪﺘﺷاد ﺪﺷﺎﺑ ) ﻲﺘﺴﻴﭼ و

،ﺲﻳﺮﺑرﺎﺑ 2017

.(

رد لﺎﺣ ﺮﺿﺎﺣ

، رد ناﺮﻳا ﺰﻴﻧ 41 ﻪﻋﻮﻤﺠﻣ ﻪﻳﺎﻣﺮﺳ راﺬﮔ و ﻴﺑ ﺶ زا 20 ﺰﻛﺮﻣ بﺎﺘﺷ هﺪﻨﻫد ﻲﺼﺼﺨﺗ ﻦﻴﻓ

ﻚﺗ دﻮﺟو دراد

ﻪﻛ ﺚﻋﺎﺑ ﺪﻧور ﺪﺷر ﻊﻳﺮﺳ ﻦﻳا هزﻮﺣ رد ناﺮﻳا هﺪﺷ ﺖﺳا . 73 پﺎﺗرﺎﺘﺳا ﻴﻓ

ﻦ ﻚﺗ لﺎﻌﻓ رد رﻮﺸﻛ اراد ي ﺎﻣﺮﺳ ﻳ ﻪ راﺬﮔ ﺼﺼﺨﺗ ﻲ

هدﻮﺑ و 47 پﺎﺗرﺎﺘﺳا ﻴﻓ

ﻦ ﻚﺗ ﻟﺎﻌﻓ ﻴ ﺖ دﻮﺧ ار زا بﺎﺘﺷ هﺪﻨﻫد ﺎﻫ ﺎﻏآ ز هدﻮﻤﻧ ﺪﻧا . ﺎﺑ ﻴﺑ ﺶ زا 127 ﻣ ﻴﻠ ﻴ نﻮ ﺳ ﻴ ﻢ ترﺎﻛ لﺎﻌﻓ

، ﺑﻴ ﺶ

زا 77 ﻣ ﻴﻠ ﻴ نﻮ ﺮﺑرﺎﻛ ﺎﻨﻬﭘ ي ﺪﻧﺎﺑ ﺳ ﻴ رﺎ و ﺑﻴ ﺶ زا 9 ﻣ ﻴﻠ ﻴ نﻮ ﺮﺑرﺎﻛ ﺎﻨﻬﭘ ي ﺪﻧﺎﺑ ﺖﺑﺎﺛ رد

،رﻮﺸﻛ اﻳ ناﺮ ﻳ ﻜ ﻲ زا ﺮﺗﺪﻌﺘﺴﻣ ﻳ ﻦ ﺎﻫﺎﻀﻓ

اﺮﺑ ي ﺪﺷر تﺎﻣﺪﺧ ﻧوﺮﺘﻜﻟا ﻴ ﻚ رد ﺖﻌﻨﺻ ﻟﺎﻣ ﻲ ﺖﺳا

؛ ﻪﺑ ﻪﻧﻮﮔ يا ﻪﻛ تﺎﻣﺪﺧ ﻟﺎﻣ ﻲ ﻣود ﻴ ﻦ ﻪﺘﺳد يﺪﻨﺑ ﻓاﺮﺗﺮﭘ ﻴ ﻚ رد ﻣ ﻴ نﺎ

ﺎﺳ ﻳ ﺖ يﺎﻫ رﻮﺸﻛ هﺪﺷ ﻪﺘﺧﺎﻨﺷ ﺖﺳا

. رد 9 ﻪﻫﺎﻣ لوا لﺎﺳ 99

، ﻣ ﻴ ناﺰ ﺶﻨﻛاﺮﺗ يﺎﻫ ﻼﻧآ ﻳ ﻦ رد رﻮﺸﻛ ﺑﻴ ﺶ زا 592 راﺰﻫ

ﻣ ﻴﻠ ﻴ درﺎ نﺎﻣﻮﺗ هدﻮﺑ ﻪﻛ ﺖﺒﺴﻧ ﻪﺑ لﺎﺳ ﻞﺒﻗ زا نآ ﺮﻘﺗ ﻳ

ًﺎﺒ ود ﺮﺑاﺮﺑ هﺪﺷ

2ﺖﺳا .

،نﺎﻴﻣ ﻦﻳا رد ﻦﻳﺮﺘﺸﻴﺑ

ﺪﺻرد ﺖﻴﻟﺎﻌﻓ

ﺎﺗرﺎﺘﺳا پ ﺎﻫ رد ناﺮﻳا

، رد هزﻮﺣ ترﺎﺠﺗ ﻲﻜﻴﻧوﺮﺘﻜﻟا و

ﻦﻳﺮﺘﻤﻛ نآ رد هزﻮﺣ ﻦﻴﻣﺄﺗ ﻲﻟﺎﻣ ﻲﻌﻤﺟ و ﺶﻧﺎﻳار يﺮﺑا هدﻮﺑ ﺖﺳا

) ﻲﻧﺎﻄﻠﺳ ﻲﺒﺳﺎﻤﻬﻃ و

، 1399 .(

ﻦﻴﻓ ﻚﺗ ﺎﻫ ﺎﺑ ﺖﻋﺮﺳ يدﺎﻳز رد لﺎﺣ ﺪﺷر

،ﺪﻨﺘﺴﻫ ﺪﻣآرد يﺮﺘﺸﻴﺑ دﺎﺠﻳا ﻲﻣ ﺪﻨﻨﻛ و لﺎﻤﺘﺣا ﺖﻴﻘﻓﻮﻣ ﻲﻤﺋاد نوﺰﻓا يﺮﺗ

ﺪﻧراد )

،ﻮﻴﻟ ﻲﻟ و

3ﮓﻧاو

، 2020 ( ﺮﻈﻧ ﻪﺑ ﺖﻓﺮﺸﻴﭘ يﺎﻫ

،يروآﻮﻧ ﻚﻧﺎﺑ ﺎﻫ ياﺮﺑ ﻆﻔﺣ و شﺮﺘﺴﮔ ﻢﻬﺳ رازﺎﺑ

،دﻮﺧ ﺪﻳﺎﺑ دﻮﺧ ار ﺎﺑ

يروآﻮﻧ رد ﻪﺻﺮﻋ تﺎﻣﺪﺧ ﻲﻟﺎﻣ ﻖﺒﻄﻨﻣ

،ﺪﻧزﺎﺳ اﺮﻳز يروآﻮﻧ ﻚﻳ ﻞﻣﺎﻋ ﺰﻳﺎﻤﺗ ﻢﻬﻣ رد ﺮﺑاﺮﺑ ﺎﺒﻗر و ﻲﻠﻣﺎﻋ ﻢﻬﻣ ياﺮﺑ يراﺪﻳﺎﭘ

ﻲﻟﺎﻣ رد ﺖﻌﻨﺻ ﻲﻜﻧﺎﺑ ﻲﻘﻠﺗ ﻲﻣ دﻮﺷ )

،ﺮﺒﻠﻴﻛ ﺎﻜﺳووﺪﺑ ـ

،ﺎﻜﺟﻮﺳ ﺎﻜﺴﻨﻳزﺮﻳﻮﺳ و

ﺎﻜﺳوﻮﻜﺗور

،4

2021 .(

زا يﻮﺳ ﺮﮕﻳد ﻲﻘﻄﻨﻣ ﻪﺑ ﺮﻈﻧ ﻲﻣ ﺪﺳر ﻪﻛ رد رﺎﻨﻛ ﺖﻓﺮﺸﻴﭘ ﻦﻴﻓ ﻚﺗ

،ﺎﻫ يﺪﻣآرﺎﻛﺎﻧ و

تﻼﻜﺸﻣ مﺎﻈﻧ

يراﺪﻜﻧﺎﺑ ﻲﺳرﺮﺑ

دﻮﺷ و ﺮﻳﻮﺼﺗ ﻖﻴﻗد يﺮﺗ زا ﺖﺴﻳز

5مﻮﺑ هﺪﻨﻳآ يراﺪﻜﻧﺎﺑ ﻢﻴﺳﺮﺗ

دﻮﺷ . ﻚﻧﺎﺑ ﺎﻫ هزﻮﺣ رد يروآﻮﻧ ﻲﻧورد ﺎﺑ ﺶﻟﺎﭼ يﺎﻫ يرﺎﻴﺴﺑ

ﺪﻨﻬﺟاﻮﻣ ﻪﻛ ﻪﺧﺮﭼ يروآﻮﻧ و ﺎﻣز ن دورو ﻚﻳ لﻮﺼﺤﻣ و

ﺖﻣﺪﺧ ار ﻪﺑ رازﺎﺑ ﻲﻧﻻﻮﻃ ﻲﻣ ﺪﻨﻛ )

،ﻲﻜﺴﻧﺎﺟوﺮﺗ

،ﭻﻳوﻮﻜﻨﻳرﺎﻣ

يووﺎﺳ و ﻒﻧادﻮﻛ

،6

2015 .(

ياﺮﺑ ﻲﺑﺎﻴﺘﺳد ﻪﺑ ﺖﻴﻘﻓﻮﻣ

،راﺪﻳﺎﭘ ﺪﻳﺎﺑ ﺎﺑ هدﺎﻔﺘﺳا زا ﻊﺑﺎﻨﻣ ﻲﻧوﺮﻴﺑ يروآﻮﻧ و يرﺎﻜﻤﻫ ﺎﺑ

ﻦﻴﻓﺮﻃ

جرﺎﺧ زا

،نﺎﻣزﺎﺳ ﺖﻴﻠﺑﺎﻗ يﺎﻫ ﺪﻳﺪﺟ دﺎﺠﻳا هدﺮﻛ و ﺖﻳﺰﻣ يﺎﻫ ﻲﺘﺑﺎﻗر درﻮﻣ زﺎﻴﻧ ار ﺐﺴﻛ دﺮﻛ ) يﺰﺘﺋﻮﻛ

،7

2019 .(

نﺎﻜﺳا و

نارﺎﻜﻤﻫ رد

ﻲﺸﻫوﮋﭘ رد

لﺎﺳ 2015

، نﺎﻴﺑ ﺪﻨﺘﺷاد ﻪﻛ رﺎﻬﭼ ناﺮﺸﻴﭘ هﺪﻨﻳآ ﺖﻌﻨﺻ يراﺪﻜﻧﺎﺑ ار

لﻮﺤﺘﻣ ﺪﻫاﻮﺧ ﺖﺧﺎﺳ ﻪﻛ

ترﺎﺒﻋ ﺪﻧا زا : يﺎﻫﺪﻣﺎﻴﭘ ناﺮﺤﺑ

،ﻲﻟﺎﻣ ﺮﻴﻴﻐﺗ رﺎﺘﻓر نﺎﻳﺮﺘﺸﻣ

،ﻲﻜﻧﺎﺑ ﺖﻋﺮﺳ رﺎﺸﺘﻧا هار ﻞﺣ يﺎﻫ ﻪﻧاروآﻮﻧ يروﺎﻨﻓ تﺎﻋﻼﻃا و

رﻮﻬﻇ ﺮﻴﻏ ﻲﻜﻧﺎﺑ ﺎﻫ )

،نﺎﻜﺳا نﻮﺳﺮﻜﻳد و

دﻮﻌﺴﻣ

،8

2015 .(

تﺎﻌﻟﺎﻄﻣ رد هزﻮﺣ ﺖﻴﻟﺎﻌﻓ ﻚﻧﺎﺑ و ﻦﻴﻓ ﻚﺗ نﺎﺸﻧ ﻲﻣ ﺪﻫد ﻪﻛ طﺎﻘﻧ

ﻒﻌﺿ ﻚﻧﺎﺑ ﺎﻫ و طﺎﻘﻧ تﻮﻗ ﻦﻴﻓ ﻚﺗ ﺎﻫ و ﺲﻜﻋﺮﺑ ﻢﻫ ﻲﻧﺎﺷﻮﭘ ﺪﻧراد و ود ﺮﻫ ﺎﺑ ﻪﻴﻜﺗ ﺮﺑ تﻮﻗ يﺎﻫ دﻮﺧ

، ﺪﻧردﺎﻗ تاﺮﻃﺎﺨﻣ

1. World Economic Forum

2 . ناﺮﻳا ﻲﻜﻴﻧوﺮﺘﻜﻟا ترﺎﺠﺗ ﺶﻳﺎﭘ ﺰﻛﺮﻣ شراﺰﮔ )

1399 .(

ﻦﻴﻓ ﺎﻣارﻮﻧﺎﭘ شراﺰﮔ ﻚﺗ

.

3.Liu, Li & Wang

4. Kliber, Bedowska-Sojka, Rutkowska & Swierczynska 5. Ecosystem

6.Tornjanski, Marinkovic, Savoiu & Cudanov 7. Coetzee

8. Skan, Dickerson & Masood

(6)

ﺮﮕﻳﺪﻜﻳ ار ﺶﺷﻮﭘ ﺪﻨﻫد ) ﺖﺴﻴﻣﻮﻧﻮﻛا ﺲﻨﺠﻠﺘﻨﻳا

،1

2015 (.

زا ﻣ ﻢﻬ ﻦﻳﺮﺗ ﻞﻳﻻد ﺖﻛرﺎﺸﻣ و يرﺎﻜﻤﻫ ﻚﻧﺎﺑ ﺎﻫ و ﻦﻴﻓ ﻚﺗ ﺎﻫ

ﻲﻣ ناﻮﺗ ﻪﺑ ﻪﺋارا تﺎﻣﺪﺧ نازرا

،ﺮﺗ ﺶﻫﺎﻛ ﻪﻨﻳﺰﻫ

،ﺎﻫ شزرا هﻮﻘﻟﺎﺑ مﺎﻬﺳ

،ناراد دﻮﺒﻬﺑ يروآدﻮﺳ زا

ﻖﻳﺮﻃ ﺶﻳاﺰﻓا ﺎﻫﺪﻣآرد و

ﺶﻫﺎﻛ ﻚﺴﻳر ﺎﻫ زا ﻖﻳﺮﻃ هار يﺎﻫرﺎﻛ مﺮﻧ ﻲﻳراﺰﻓا و ﻪﻳﺰﺠﺗ و ﻞﻴﻠﺤﺗ گرﺰﺑ هداد

،ﺎﻫ ﻞﻴﻬﺴﺗ دﺎﺠﻳا ﻪﺴﺳﺆﻣ يﺎﻫ تﺎﻣﺪﺧ ﻲﻟﻮﭘ

ياﺮﺑ ﻪﺋارا تﺎﻣﺪﺧ ﺖﺧادﺮﭘ و ﻞﻘﻧ و لﺎﻘﺘﻧا دﻮﺟو

،دﺮﺧ ﻞﻴﻠﺤﺗ

،ﻲﻟﺎﻣ ﺖﻳﺮﻳﺪﻣ ﺪﺒﺳ

،ﻲﻳاراد تﺎﻣﺪﺧ ﻪﺑﺎﺸﻣ و ﻪﻌﺳﻮﺗ ﺖﻴﻟﺎﻌﻓ

يﺎﻫدﺎﻬﻧ دﻮﺟﻮﻣ

رازﺎﺑ ﻞﻜﺸﺘﻣ ﻲﻟﻮﭘ هرﺎﺷا دﺮﻛ )

،ﻲﻔﺠﻧ ناﺮﻳا

،ﺖﺳود نﺎﻄﻠﺳ هﺎﻨﭘ و ﺦﻴﺷ

،يﺪﻤﺣا 1398 .(

ﻞﻣﺎﻋ ﻲﻠﺻا

ﺖﻴﻘﻓﻮﻣ رد يرﺎﻜﻤﻫ ﻚﻧﺎﺑ

و ﻦﻴﻓ

،ﻚﺗ ﻧﺎﻴﺻ ﺖ زا ﻲﮔﮋﻳو يﺎﻫ ﻪﻧاروآﻮﻧ ﻦﻴﻓ

،ﻚﺗ قﻮﺳ نداد ﺖﻴﻨﻫذ يﺎﻫ ﻢﻴﺗ يرﺎﻜﻤﻫ ﻪﺑ

يﻮﺳ هﺪﻳا يﺎﻫ ﺪﻳﺪﺟ ﻪﺑ يﺮﻴﮔرﺎﻛ ﺖﻴﻓﺮﻇ

يﺎﻫ ﻲﻜﻧﺎﺑ ﻞﺜﻣ

،ﺶﻧاد ﺪﻨﻳاﺮﻓ يﺎﻫ ﻲﻤﺳر و ﻲﻳاراد ﺎﻫ ﺖﺳا ) ﻦﻴﻴﺳﺮﺗ نارﺎﻜﻤﻫ و

،

2021 .(

ﺮﺜﻛا ﻚﻧﺎﺑ ﺎﻫ ياﺮﺑ فﺮﻃﺮﺑ ندﺮﻛ ﺶﻟﺎﭼ ﺎﻫ و ﻲﮔﺪﻴﭽﻴﭘ يﺎﻫ ﻂﺒﺗﺮﻣ ﺎﺑ يﺎﻫﻮﻳرﺎﻨﺳ يرﺎﻜﻤﻫ

ﻼﺗ ش يﺎﻫ هدﺮﺘﺴﮔ يا

ﻲﻣ ﺪﻨﻨﻛ ﻲﻟو ﺶﻫوﮋﭘ ﺎﻫ و تﺎﻌﻟﺎﻄﻣ ﻦﻴﻓ ﻚﺗ زا تﻻﻮﺤﺗ يرﺎﺟ رد ﺶﺨﺑ ﻲﻟﺎﻣ ﺐﻘﻋ هﺪﻧﺎﻣ ﺖﺳا ) ﻲﻜﺴﻧﺎﺟوﺮﺗ نارﺎﻜﻤﻫ و

،

2015 .(

ﺶﻫوﮋﭘ ﺶﻴﭘ ور ﺎﺑ ﻲﺳرﺮﺑ ﻪﻨﻴﺸﻴﭘ تﺎﻴﺑدا ﻲﻤﻠﻋ و يﺎﻫﻸﺧ

،دﻮﺟﻮﻣ ﻲﺘﺻﺮﻓ ياﺮﺑ تﺎﻌﻟﺎﻄﻣ يدﺮﺑرﺎﻛ ﺮﮕﺸﻫوﮋﭘ نا و

ﺖﻟﻻد ﻲﻳﺎﻫ ﻲﻳاﺮﺟا ياﺮﺑ نﺎﻳﺪﺼﺘﻣ ﺻﺎﺣ

ﻞ ﻲﻣ ﺪﻨﻛ . ياﺮﺑ ﻢﻬﻓ ﺮﺘﻬﺑ تﺎﺼﺘﺨﻣ يرﺎﻜﻤﻫ

ﻚﻧﺎﺑ و ﻦﻴﻓ

،ﻚﺗ ﺎﺑ هدﺎﻔﺘﺳا زا شور

روﺮﻣ مﺎﻈﻧ ﺪﻨﻣ تﺎﻴﺑدا

،2

ﻊﻓﺎﻨﻣ و ناﺮﺸﻴﭘ

،ﺎﻫ ﺶﻟﺎﭼ

،ﺎﻫ ﻊﻧاﻮﻣ و ﺰﻴﻧ عاﻮﻧا يرﺎﻜﻤﻫ ﻦﻳا

ود دﺎﻬﻧ رد تﻻﺎﻘﻣ ﻲﻤﻠﻋ ﻞﻴﻠﺤﺗ و

ﻲﺳرﺮﺑ هﺪﺷ ﺖﺳا . ﺮﺑ ﻦﻳا

،سﺎﺳا لاﺆﺳ ﻲﻠﺻا ﺶﻫوﮋﭘ ﺮﺿﺎﺣ ﻦﻳا ﺖﺳا ﻪﻛ ﻪﭼ ﻲﻠﻣاﻮﻋ رد ﺷ ﻞﻜ يﺮﻴﮔ يﺎﻫﻮﮕﻟا يرﺎﻜﻤﻫ

ﻚﻧﺎﺑ ﺎﻫ و ﻦﻴﻓ ﻚﺗ ﺎﻫ ﺮﺛﺆﻣ

؟ﺪﻧ و ﻪﺑ ﻦﻳا

،ﺐﻴﺗﺮﺗ روﺮﻣ ﺶﻫوﮋﭘ ﺎﻫ ﺎﺑ دﺮﻜﻳور يﺎﺼﺣا لﺪﻣ ﻞﻜﺷ يﺮﻴﮔ يرﺎﻜﻤﻫ ﻚﻧﺎﺑ

و

ﻦﻴﻓ ﻚﺗ ترﻮﺻ ﻪﺘﻓﺮﮔ و شﻼﺗ هﺪﺷ ﻪﻛ ﺖﺳا رد يﺎﻬﺘﻧا ﺶﻫوﮋﭘ ﻦﻳا ﻮﮕﻟا جاﺮﺨﺘﺳا دﻮﺷ .

ﻪﻨﻴﺸﻴﭘ ﺶﻫوﮋﭘ

يرﺎﻜﻤﻫ ﻚﻧﺎﺑ

و ﻦﻴﻓ ﻚﺗ

يرﺎﻜﻤﻫ ﻪﺑ 3

ﺪﻨﻳاﺮﻓ ﺪﻣﺪﻨﻠﺑ ﻲﺗ قﻼﻃا ﻲﻣ دﻮﺷ ﻪﻛ ﻲﻃ نآ ود فﺮﻃ ﺎﻳ ﺮﺘﺸﻴﺑ ياﺮﺑ ﺐﺴﻛ ﻊﻓﺎﻨﻣ كﺮﺘﺸﻣ ﺎﺑ ﺮﮕﻳﺪﻜﻳ رﺎﻛ

ﻲﻣ ﺪﻨﻨﻛ ) ﺮﻣﻮﺑ و ﻦﻴﺴﻜﻣ

،4

2018 .(

يرﺎﻜﻤﻫ ﺎﻫ رد ﺐﻟﺎﻗ يﮋﺗاﺮﺘﺳا يﺎﻫ يرﺎﻜﻤﻫ ﻦﻴﺑ نﺎﻣزﺎﺳ ﺎﻫ ﺐﻴﺗﺮﺗ ﻲﻣ ﺪﻨﺑﺎﻳ ﻪﻛ زا نآ

ﻪﻠﻤﺟ ﻲﻣ ناﻮﺗ ﻪﺑ دراﻮﻣ ﻞﻳذ هرﺎﺷا دﺮﻛ ) ﻲﻟدﺮﺑ

،5

1999 (:

يﺎﻫدﺎﺤﺗا 

ﻚﻳﮋﺗاﺮﺘﺳا ﺷ6

ﻞﻣﺎ ﻞﻴﻜﺸﺗ ﺖﻛﺮﺷ كﺮﺘﺸﻣ

؛7

ﻪﻳﺎﻣﺮﺳ 

يراﺬﮔ ﻢﻴﻘﺘﺴﻣ ﻞﻣﺎﺷ مﺎﻏدا و ﻚﻴﻠﻤﺗ

؛8

1. Economist Intelligence 2. Systematic Literature Review 3. Cooperation

4. Bomer & Maxin 5. Bradly

6. Startegic Alliance 7. Joint Venture 8. Merger and Aquisition

(7)

203 ﺖﻳﺮﻳﺪﻣ

،ﻲﻧﺎﮔرزﺎﺑ 1401

، هرود 14

، هرﺎﻤﺷ 2

ﻪﻳﺎﻣﺮﺳ 

يراﺬﮔ ﻲﺋﺰﺟ ﻞﻣﺎﺷ ﻦﻴﻣﺄﺗ ﻪﻳﺎﻣﺮﺳ و1

ﺖﻳﺎﻤﺣ يﺎﻫ يرﻮﺗﺎﺑﻮﻜﻧا

؛2

ﺖﻛرﺎﺸﻣ 

ﺎﻫ ﻞﻣﺎﺷ دﺎﺠﻳا مﻮﻴﺳﺮﺴﻨﻛ و3

يﺎﻫدادراﺮﻗ ﺖﻳﺮﻳﺪﻣ

كﺮﺘﺸﻣ .

زا ﻲﻀﻌﺑ دﺮﺒﻫار

يﺎﻫ يرﺎﻜﻤﻫ

،ﻻﺎﺑ رد جرﺪﻨﻣ رد

هزﻮﺣ كﺮﺘﺸﻣ ﻚﻧﺎﺑ ﺎﻫ و ﻦﻴﻓ ﻚﺗ ﺎﻫ ﺎﻨﻌﻣ ﻲﻣ ﺪﺑﺎﻳ

؛ ور ﻦﻳا زا ﻲﺘﻗو

ﺖﺒﺤﺻ زا يرﺎﻜﻤﻫ ﻚﻧﺎﺑ و ﻦﻴﻓ ﻚﺗ ﻪﺑ نﺎﻴﻣ ﻲﻣ ﺪﻳآ

، ﻪﺑ يﺎﻨﻌﻣ ندﺮﻛرﺎﻛ ﻦﻳا

ود هﺪﻳﺪﭘ رد يﺎﺘﺳار ﺐﺴﻛ ﻊﻓﺎﻨﻣ كﺮﺘﺸﻣ و

ﻪﻨﻴﺸﻴﺑ يزﺎﺳ دﻮﺳ زا ﻖﻳﺮﻃ ﻲﻜﻳ زا لﺎﻜﺷا يرﺎﻜﻤﻫ ﺖﺳا .

ﻪﺑ رﻮﻈﻨﻣ ﻲﺳرﺮﺑ عاﻮﻧا يرﺎﻜﻤﻫ نﺎﻴﻣ

ﻦﻳا ود

،دﺎﻬﻧ ﻢﻬﻣ ﻦﻳﺮﺗ ﻲﻳﺎﻫدﺮﺒﻫار ﻪﻛ

رد تﺎﻴﺑدا ﻲﻤﻠﻋ ﻪﺑ ناﻮﻨﻋ يﺎﻫﻮﮕﻟا

يرﺎﻜﻤﻫ ﻚﻧﺎﺑ و ﻦﻴﻓ ﻚﺗ درﻮﻣ هرﺎﺷا راﺮﻗ ﻪﺘﻓﺮﮔ

،ﺪﻧا رد لوﺪﺟ 1 ﻪﺻﻼﺧ هﺪﺷ ﺖﺳا .

لوﺪﺟ 1 . عاﻮﻧا يﺎﻫﻮﮕﻟا يرﺎﻜﻤﻫ ﻚﻧﺎﺑ و ﻦﻴﻓ ﻚﺗ

شور يرﺎﻜﻤﻫ حﺮﺷ

هدﺎﻔﺘﺳا زا تﺎﻣﺪﺧ ﻦﻴﻓ ﻚﺗ هدﺎﻔﺘﺳا

زا ﻲﺗﺎﻣﺪﺧ ﻪﻛ ﻦﻴﻓ ﻚﺗ ﺎﻫ ﻪﺑ رﻮﻃ ﻲﻣﻮﻤﻋ ﻪﺋارا ﻲﻣ ﺪﻨﻫد . نوﺮﺑ ﺎﭙﺳ ير ﻲﺧﺮﺑ تﺎﻣﺪﺧ

ﻲﻜﻧﺎﺑ ﻪﺑ ﻦﻴﻓ ﻚﺗ

ﻪﺋارا تﺎﻣﺪﺧ ﻪﺑ ﻦﻴﻓ ﻚﺗ ﻪﺋارا

ﻲﺧﺮﺑ تﺎﻣﺪﺧ و ﺖﺧﺎﺳﺮﻳز ﻪﺑ ﻦﻴﻓ ﻚﺗ ﺎﻫ زا ﻪﻠﻤﺟ

API

ﺪﻳﺮﺧ مﺎﻬﺳ ﻦﻴﻓ ﻚﺗ ﺪﻳﺮﺧ

و ﺐﺣﺎﺼﺗ ﻲﺸﺨﺑ زا مﺎﻬﺳ ﻚﻳ ﻦﻴﻓ ﻚﺗ و هدﺎﻔﺘﺳا زا تﺎﻧﺎﻜﻣا و تﺎﻣﺪﺧ نآ

يرﺎﻜﻤﻫ كﺮﺘﺸﻣ ﺎﺑ ﻦﻴﻓ ﻚﺗ يرﺎﻜﻤﻫ

ﺎﺑ ﻚﻳ ﻦﻴﻓ ﻚﺗ رد صﻮﺼﺧ

،رازﺎﺑ ﺘﺸﻣ يﺮ ﺎﻳ ﻪﻌﺳﻮﺗ لﻮﺼﺤﻣ ﺪﻳﺪﺟ

ﻪﻳﺎﻣﺮﺳ يراﺬﮔ كﺮﺘﺸﻣ ﺎﺑ ﻦﻴﻓ ﻚﺗ دﺎﺠﻳا

ﻚﻳ ﺖﻛﺮﺷ كﺮﺘﺸﻣ ﻪﺑ هاﺮﻤﻫ ﻦﻴﻓ ﻚﺗ و مﺎﺠﻧا ﺖﻴﻟﺎﻌﻓ رد ﺐﻟﺎﻗ نآ

ﻚﻴﻠﻤﺗ و مﺎﻏدا ﺪﻳﺮﺧ

ﻦﻴﻓ ﻚﺗ و مﺎﻤﻀﻧا نآ ﻪﺑ ﻚﻧﺎﺑ ـ مﺎﻏدا ﻦﻴﻓ ﻚﺗ رد ﻚﻧﺎﺑ

بﺎﺘﺷ ﻲﻫد ﻦﻴﻓ ﻚﺗ دﺎﺠﻳا

بﺎﺘﺷ هﺪﻨﻫد ﻦﻴﻓ ﻚﺗ و شروﺮﭘ پﺎﺗرﺎﺘﺳا يﺎﻫ ﻦﻴﻓ ﻲﻜﺗ

ﻪﻳﺎﻣﺮﺳ يراﺬﮔ ﺮﻳﺬﭘﺮﻄﺧ رد ﻦﻴﻓ ﻚﺗ ﻪﻳﺎﻣﺮﺳ يراﺬﮔ رد داﺪﻌﺗ زا ﻦﻴﻓ ﻚﺗ يﺎﻫ هﺪﻨﻫدﺪﻳﻮﻧ رد ﻞﺣاﺮﻣ ﻲﻳﺎﭘﻮﻧ

دﺎﺠﻳا ﻦﻴﻓ ﻚﺗ ﻲﻠﺧاد دﺎﺠﻳا

ﺪﺣاو ﻦﻴﻓ ﻚﺗ رد ﻞﺧاد ﻚﻧﺎﺑ ﺎﺑ هﺮﻬﺑ يﺮﻴﮔ زا ﺎﻫدﻮﻤﻨﻫر و ﻪﻧﻮﻤﻧ يﺎﻫ ﻲﺟرﺎﺧ

ﺖﻬﺟ مﺎﺠﻧا ﺶﻫوﮋﭘ

،ﺮﺿﺎﺣ ﻪﻌﻟﺎﻄﻣ ﻲﻌﻣﺎﺟ رد ﺎﮕﻳﺎﭘ ه يﺎﻫ ﻲﻤﻠﻋ ﻲﻠﺧاد و ﺧ ﻲﺟرﺎ ترﻮﺻ ﺖﻓﺮﮔ ﻪﻧﺎﺨﺑﺎﺘﻛ ﻲﻫﺎﮕﺸﻧاد

ﻲﺳرﺮﺑ ﺪﻧﺪﺷ و ﻲﻃ ﻦﻳا ﻲﺳرﺮﺑ ﻂﻘﻓ ﻪﺑ تﺎﻌﻟﺎﻄﻣ طﻮﺑﺮﻣ

ﻪﺑ يرﺎﻜﻤﻫ ﻚﻧﺎﺑ

و ﻦﻴﻓ ﻚﺗ هﺪﻨﺴﺑ

،ﺪﺸﻧ ﻪﻜﻠﺑ شﻼﺗ ﺪﺷ

هزﻮﺣ يﺎﻫ ﻢﻴﻘﺘﺴﻣ و ﻢﻴﻘﺘﺴﻣﺮﻴﻏ ﻂﺒﺗﺮﻣ

ﺎﺑ عﻮﺿﻮﻣ ﺰﻴﻧ ﻲﺳرﺮﺑ ددﺮﮔ . رد ﻪﺠﻴﺘﻧ ﺎﺑ ﻪﺟﻮﺗ ﻪﺑ ﻢﺠﺣ تﺎﻌﻟﺎﻄﻣ ﻲﺳرﺮﺑ هﺪﺷ و

ﻦﻴﻨﭽﻤﻫ عﻮﻨﺗ

ﻪﺘﻓﺎﻳ يﺎﻫ ﮋﭘ

،ﺶﻫو رد ﻦﻳا ﺖﻤﺴﻗ ﻪﺑ ، ﻲﺸﺨﺑ زا ﺠﻳﺎﺘﻧ زا ﻪﻛ ﻲ روﺮﻣ

مﺎﻈﻧ ﺪﻨﻣ تﺎﻴﺑدا ﻪﺑ هرﺎﺷا ،ﺪﻣآ ﺖﺳد

ﻲﻣ دﻮﺷ . ﻪﺑ ﻦﻴﻤﻫ

،رﻮﻈﻨﻣ رد لوﺪﺟ 2 ﻪﺑ ﺶﻫوﮋﭘ ﻲﻳﺎﻫ ﻪﻛ رد يﺎﻫوﺮﻤﻠﻗ ﻒﻠﺘﺨﻣ

ﻪﺑ عﻮﺿﻮﻣ ﻦﻴﻓ ﻚﺗ ﻪﺘﺧادﺮﭘ ﺪﻧا

، هرﺎﺷا

هﺪﺷ ﺖﺳا .

1. Funidng 2. Incubation 3. Consortium

(8)

لوﺪﺟ 2 . ﻢﻬﻣ ﻦﻳﺮﺗ ﻟﺎﻘﻣ ﻪ ﺎﻫ رد يﺎﻫوﺮﻤﻠﻗ ﻲﺗﺎﻌﻟﺎﻄﻣ

ﻦﻴﻓ ﻚﺗ

وﺮﻤﻠﻗ عﻮﺿﻮﻣ

ناﺮﮕﺸﻫوﮋﭘ و

لﺎﺳ ياﺮﺟا ﺶﻫوﮋﭘ شور ﺶﻫوﮋﭘ

ﻦﻴﻓ ﻚﺗ قﻮﺸﻣ

ﺎﻫ و ﻊﻧاﻮﻣ ﻪﻌﺳﻮﺗ ﺶﺨﺑ ﻦﻴﻓ ﻚﺗ ﺮﺒﻠﻴﻛ

نارﺎﻜﻤﻫ و

، 2021 ﻪﺘﺨﻴﻣآ

لﺪﻣ ﺎﻫ ي ﺐﻟﺎﻏ ﺐﺴﻛ رﺎﻛو رد هزﻮﺣ ﻦﻴﻓ ﻚﺗ نارﺎﻜﻤﻫ و ﻮﻴﻟ

، 2020 ﻲﻤﻛ

ﺖﺻﺮﻓ ﺎﻫ و ﺶﻟﺎﭼ يﺎﻫ ﻦﻴﻓ ﻚﺗ رد ﻦﻴﻣﺄﺗ ﻲﻟﺎﻣ

ﻲﻣﻼﺳا

،ﺎﺒﺳ ﺮﺛﻮﻛ و يرودﺎﭼ

،1

2019 ﻲﻤﻛ

روﺮﻣ مﺎﻈﻧ ﺪﻨﻣ تﺎﻋﻮﺿﻮﻣ و ﻞﺋﺎﺴﻣ ﻲﻠﺻا ﻦﻴﻓ ﻚﺗ نﺎﻴﻠﻴﻣ و ﻻﻮﻨﻴﭙﺳا و رﺎﻛ و

2ﻮﻬﻟا

، 2019 ﻲﻔﻴﻛ

ﻲﺳرﺮﺑ دﺎﻌﺑا ﻲﻨﻓ ﻦﻴﻓ ﻚﺗ

،يﺎﮔ ﻮﻴﻛ و

3نﺎﺳ

، 2018 ﻲﻔﻴﻛ

ﻦﻴﻓ ﻚﺗ ﺎﻫ و

نﺎﻳﺮﺘﺸﻣ ﺖﻳﺎﺿر نﺎﻳﺮﺘﺸﻣ رد هزﻮﺣ لﺎﺘﻴﺠﻳد ﺎﺑ يﺪﻫاﻮﺷ زا

يراﺪﻜﻧﺎﺑ ﻲﻣﻼﺳا يراوز

و يدﺎﻬﻟاﺪﺒﻋ

،4

2021 ﻲﻤﻛ

ﺮﻴﺛﺄﺗ كاردا ﺘﺸﻣ نﺎﻳﺮ زا ﻊﻓﺎﻨﻣ و ﻚﺴﻳر يﺎﻫ

ﻦﻴﻓ ﻚﺗ رد هدﺎﻔﺘﺳا زا تﺎﻣﺪﺧ ﻦﻴﻓ ﻚﺗ ﺎﻫ

،سﺎﻬﻧرﺎﻜﺳﺎﻣ

،ﻮﺘﭘﺮﭘ تورﺎﺑ و سﺪﻳﺮﭘ

،5

2020 ﻲﻤﻛ

ﺖﻴﻧ ناﺮﺑرﺎﻛ ﻚﻧﺎﺑ رد هدﺎﻔﺘﺳا زا تﺎﻣﺪﺧ ﻦﻴﻓ ﻚﺗ

،ﻮﻫ

،ﮓﻨﻳد ﻲﻟ و

6ﮓﻧﺎﻳ

، 2019 ﻲﻤﻛ

ﻞﻠﻋ ﻞﻳﺎﻤﺗ و بﺎﻨﺘﺟا ناﺮﺑرﺎﻛ ﺖﺒﺴﻧ ﻪﺑ ﻦﻴﻓ ﻚﺗ ﻮﻳر

و

7راﺰﺳ

، 2018 ﻲﻤﻛ

ﺮﻴﺛﺄﺗ تا ﻦﻴﻓ ﻚﺗ ﺮﺑ رﺎﺘﻓر ناﺮﺑرﺎﻛ ﻲﻧﺎﻴﺘﮔﺎﺟ

و

8ﻮﻴﻤﻟ

، 2018 ﻲﻤﻛ

ﻦﻴﻓ ﻚﺗ ﺎﻫ و

دﺎﻬﻧ يﺎﻫ ﻲﻟﺎﻣ

ﻲﻜﻧﺎﺑﺮﻴﻏ ﺶﻘﻧ

ﻦﻴﻓ ﻚﺗ ﺎﻫ رد ﻦﻴﻣﺄﺗ ﻲﻟﺎﻣ ﺐﺴﻛ رﺎﻛو يﺎﻫ

ﻚﭼﻮﻛ و ﻂﺳﻮﺘﻣ ﺖﺳارد

و ﻞﺴﺗﺮﮔ

9گﺮﺑ

، 2021 ﻲﻤﻛ

هدﺎﻔﺘﺳا زا ﺮﺗﺎﻓد ﻞﻛ ﻊﻳزﻮﺗ هﺪﺷ رد قاروا رادﺎﻬﺑ

10ﻢﻳﺮﭘ

، 2020 ﻲﻤﻛ

ﻢﻜﺣ ﻲﻧار ﻦﻴﭽﻛﻼﺑ د ر رازﺎﺑ ﻪﻳﺎﻣﺮﺳ ﻲﻟ

ﻦﻴﺷ و

،11

2018 ﻲﻔﻴﻛ

ﺖﺻﺮﻓ يﺎﻫ ﻦﻴﻓ ﻚﺗ ﻲﻣﻼﺳا زا ﺮﻈﻧ نﻮﻧﺎﻗ يراﺬﮔ

12ﺪﻤﺣا

، 2020 ﻲﻤﻛ

ﺮﻴﺛﺄﺗ تاﺮﻴﻴﻐﺗ يرﻮﺗﻻﻮﮔر ﺮﺑ

ﻮﻧ يروآ ﻦﻴﻓ ﻚﺗ ﺎﻫ

13ﺞﻳﺮﻓ

، 2018 ﻲﻤﻛ

يرﻮﺗﻻﻮﮔر ﻦﻴﻓ

ﻚﺗ و ﻪﻄﺳاو يﺎﻫ ﻲﻟﺎﻣ يﺎﺳ

و

14ﮓﻨﭘ

، 2017 ﻲﻔﻴﻛ

يزادﺮﭘزﺎﺑ يرﻮﺗﻻﻮﮔر ﻦﻴﻓ

ﻚﺗ ﺎﺑ گر ﻚﺗ و

ﺲﻛﺎﺑﺪﻨﺳ

،ﺮﻧرآ ﺲﻳﺮﺑرﺎﺑ و ﻲﻠﻛﺎﺑ

،15

2017 ﻲﻔﻴﻛ

1. Saba, Kouser & Chaudhry 2. Milian, Spinola& Carvalho 3. Gai, Qiu & Sun

4. Zouari & Abdelhedi

5.Mascarenhas, Perpetuo, Barrote & Perides 6. Hu, Ding, Li, Chen & Yang

7. Rio & Cesar 8. Jagtiani & Lemieux 9.Durst & Gerstlberger 10. Priem

11. Lee & Shin 12. Ahmad 13.Freij 14.Tsai & Peng

15.Arner, Barberis & Buckley