نوع مقاله : مقاله پژوهشی
نویسندگان
1 دانشجوی دکتراگروه مدیریت تکنولوژی، دانشگاه آزاد اسلامی، واحد تهران مرکزی، تهران، ایران.
2 عضو هیئت علمی، گروه مدیریت تکنولوژی، دانشگاه آزاد اسلامی، واحد تهران مرکزی، تهران، ایران. (نویسنده مسئول)؛ dr.abt2019@gmail.com
3 عضو هیئت علمی، گروه مدیریت تکنولوژی، دانشگاه آزاد اسعضو هیئت علمی، گروه مدیریت تکنولوژی، دانشگاه آزاد اسلامی، واحد تهران مرکزی، تهران، ایرانلامی، واحد تهران مرکزی، تهران، ایران.
چکیده
در تغییرات سریع امروزی و محیط بسیار نامطمئن که نیازهای مشتریان، فناوری، نیازمندی‌های کارکنان وضعیت جوامع، نظام‌های پولی، موقعیت جغرافیایی و به‌طورکلی همه‌چیز در حال تغییر است، شرکت‌ها نمی‌توانند همواره به تولید و عرضه محصولات موجود خود تکیه کنند. استراتژی توسعه محصول جدید یک فعالیت مهم است که به شرکت‌ها کمک می‌کند تا زنده بمانند و بهبودهای مستمر ایجاد کنند. لیکن اکثر سازمان‌ها این عوامل را ایستا در نظر گرفته و به پویایی این عوامل توجه ننموده‌اند. ازآنجایی‌که نحوه ارتباط بین عوامل مؤثر بر موفقیت توسعه محصول جدید دارای پویایی‌ها و بازخوردهای فراوانی است، ابزار پویایی‌شناسی سیستم‌ها، ابزار مناسبی است که از آن می‌توان برای تجزیه‌وتحلیل در این حوزه بهره گرفت. در این تحقیق در جهت شناسایی و تحلیل پویایی‌های عوامل مؤثر بر موفقیت توسعه محصول جدید، بر اساس پیشینه نظری و نظرات خبرگان صنعت، متغیرهای کلیدی در حوزه توسعه محصول جدید شناسایی و روابط علت و معلولی میان این متغیرها ترسیم شده است. بر این اساس سیستم موردنظر، در بانک تجارت در بازه زمانی سال‌های 1392 الی 1404 شبیه‌سازی شده است. نتایج حاصل از شبیه‌سازی و بررسی نشان می‌دهد که توجه به سیاست‌های در نظر گرفته‌شده، توسعه محصولات جدید مالی نظارتی در سازمان یادشده را بهینه می‌سازند.
کلیدواژه‌ها
عنوان مقاله [English]
Providing a Dynamic Model for New Product Development in the Field of Financial Regulatory Technologies
نویسندگان [English]
- Soroush Motamedi Fard 1
- Amir Bayat Tork 2
- Jalal Haghighat Monfared 3
1 Phd StudentDepartment of Technology Management,Central Tehran Branch, Islamic Azad University, Tehran. Iran(Corresponding Author:dr.abt2019@gmail.com)
2 Department of Technology Management,Central Tehran Branch, Islamic Azad University, Tehran. Iran(Corresponding Author:dr.abt2019@gmail.com)
3 Department of Technology Management,Central Tehran Branch, Islamic Azad University, Tehran Iran
چکیده [English]
In today's fast-paced and highly uncertain environment where customer needs, technology, employee needs, community status, monetary systems, geographic location and everything are changing, companies cannot always rely on the production and supply of their existing products. A new product development strategy is an important activity that helps companies stay alive and make continuous improvements. However, most organizations consider these factors static and disregard these dynamics. Since the relationship between the factors contributing to the success of new product development has many dynamics and feedbacks, the systems dynamics tool is a useful tool to analyze in this area. In this research, in order to identify and analyze the dynamics of the factors affecting the success of a new product development, based on the theoretical background and opinions of industry experts, key variables in the field of new product development have been identified and the causal relationships between these variables are outlined. Accordingly, the system simulated in Tejarat Bank from 1392 to 1404. The results of the simulation and review show that considering the considered policies optimizes the new product development of regulatory financial products in the aforementioned organization.
کلیدواژه‌ها [English]
- New Product Development (NPD)
- Regulatory Technology (Regtech)
- Innovation
- R&D
آل‌عمران رویا؛ رحیم زاده، فرزاد و شکوهی فرد، سیامک. (1398). اثر اینترنت بر بازدهی سیستم بانکی (مطالعه موردی بانک‌های منتخب ایران)، اقتصاد مالی، 13(48)، 62-39.
برخورداری، سجاد؛ ابریشمی حمید و ذوالفقاری، مجتبی. (1398). تأثیر توسعه مالی بر توسعه انسانی در کشورهای درحال‌توسعه با تمرکز بر ویژگی‌های نهادی، اجتماعی و اقتصادی، اقتصاد مالی، 13(48)، 237-217.
حسینی دهشیری، سید جلال‌الدین؛ آقایی، مجتبی و صالحی صدقیانی، جمشید. (1398). راهکارهای رفع موانع اجرای مدیریت دانش در زنجیره تأمین استارتاپ های مواد غذایی تندمصرف. مطالعات مدیریت کسب‌وکار هوشمند، 7(30)، 114-79.
رمضانیان، محمد؛ نصیر، ابواقاسم و عبدی، عبدالله. (1391). تحلیل ریسک توسعه محصول جدید (NPD)، با استفاده از شبکه‌های بیز (BNs)، بازاریابی نوین، 39-21.
Adegoke, O., & Moronke I. O. (2010) Communication channels, innovation tasks and NPD project outcomes in innovation-driven horizontal networks, 28(5), 442-453.
Anagnostopoulos, I. (2018). Fintech and Regtech: Impact on Regulators and Banks, Journal of Economics and Business, 100, 7-25.
Arner, D. W., Barberis, J. N. & Buckley, R. P. (2017). FinTech, RegTech and the Reconceptualization of Financial Regulation, Northwestern Journal of International Law and Business, 37(3): 371-413
Athwal, N., (2016) ‘Online Marketplace Lending - Recently Misunderstood, Forbes www.forbes.com/sites /navathwal/2016 /07/18 /online-marketplace-lending 76d20408412f
Amami, M. (2000). Project Management and Communication of Product Development through Electronic Document Management. Project Management Journal, 31(2), 43-56.
Arnaboldi, F., & Claeys, P. (2008). Internet banking in Europe: a comparative analysis. Research Institute of Applied Economics Working Papers, No. 2008/11.
Ashwin, W., Joshi, & Sanjay, Sh. (2004). Customer Knowledge Development: Antecedents and Impact on New Product Performance. Journal of Marketing, 68(4):47-59.
Barthélemy, Ch., Sébastien, B., Vincent, Ch., Caroline, M., & Mickaël, G. (2012). NPD Projects in Search of Top Management Support: The Role of Team Leader. Social Capital Management, 15, 44 – 75.
Bunea, S., Kogan, B. and Stolin, D. (2016). Banks Versus FinTech: At Last, it's Official, Journal of Financial Transformation, 44, 122-131.
Calantone, R. J., & Cooper, R. G. (1979). A discriminant model for identifying scenarios of industrial new product failure. Journal of the Academy of Marketing Science, 7(3), 163-183.
Chesbrough, H. W. (2006). Open innovation: The new imperative for creating and profiting from technology. Harvard Business Press.
Chishti, S., & Barberis, J. (2016). The FinTech book: the financial technology handbook for investors, entrepreneurs and visionaries. John Wiley & Sons
Cortez, N. (2014). Regulating Disruption Innovation. Berkeley Technology Law Journal, 29(1): 175-228
Erik, M. (2016). Supply and demand on crowd lending platforms connecting small and medium sized enterprise borrowers and consumer investors. Journal of Retailing and Consumer Services , 33, 143-153.
Erik, J., H., & Felix, A. (2017). Building Competitive Advantage through Open Innovation a case study in the financial technology sector. Stockholm Business School Bachelor’s Degree Thesis 15 HE Credits Subject: Business Administration.
Fasnacht, D. (2009). Open Innovation in the financial services: growing through openness, flexibility and customer integration. Springer Science & Business Media
Foroutan, M., & Baski-Reeves, K. (2017). Need for development and validation of a new product development (NPD) assessment and improvement tool, a review of literature (2017), African Journal of Business Management, 11(7), 127-139.
Gomber, P., Koch, J. A. and Siering, M. (2017). Digital Finance and FinTech: current research and future research directions, Journal of Business Economics, 87(5): 537-580
Hafkesbrink, J., & Schroll, M. (2011). Innovation 3.0: embedding into community knowledge collaborative organizational learning beyond open innovation. Journal of Innovation Economics Management, (1), 55-92.
Hyun-Sun, R., & Jae-Nam, L. (2017). Understanding the Role of Technology in Service Innovation: Comparison of Three Theoretical Perspectives. Information & Management. Volume 55, Issue 3, April 2018, Pages 294-307
John, G. (2015). The impact that financial technology known as FinTech is having on the financial services industry in Ireland. Dissertation submitted in part fulfillment of the requirements for the degree of MBA. Dublin Business School. 10007685.
Kaal, W. A. & Vermeulen, E. P. M. (2017). How to Regulate Disruptive Innovation - From Facts to Data, Jurimetrics, 57(2), 169-209
Koichi, M. (2017). Measuring Efficiency and Creativity of NPD quoted by QFD. 27th International Conference on Flexible Automation and Intelligent Manufacturing, FAIM2017, Modena, Italy.
Liang, W., Heng, L., & Jianqi Z. (2016). Bricolage effects on new-product development speed and creativity: The moderating role of technological turbulence. Journal of Business Research. JBR-09241; 1- 9.
Lindomar, S. O., Marcia, E. Soares, E., & Marcelo N. C. (2016). Analysis of determinants for Open Innovation implementation in Regional Innovation Systems. RAI Revista de Administração e Inovação. 14(2), 119-129.
María, P., Ana, I. & Escuderob, R. (2017). NPD collaboration in an asymmetrical investment context: A relational view. Journal of Engineering and Technology Management. 45, 1-17.
Martovoy, A., & Dos S.J. (2012). Co-creation and co-profiting in financial services. International Journal of Entrepreneurship and Innovation Management, 16(1-2), 114-135.
Mike, R., & Erica, B. (2015). improving firm performance through NPD: The role of market orientation, NPD orientation and the NPD process. Australian Marketing Journal., 20(4),235-241.
Pankratz, O., & Loebbecke, C. (2011). Project managers' perception of IS project success factors-a repertory grid investigation. In ECIS, 170.
Ping, L., Shimei, Y., & Jianlin, W. (2017) The interaction effect between intraorganizational and inter organizational control on the project performance of new product development in open innovation. International Journal of Project Management, 35(8), 1627-1638
Salampasis, D., Mention, A. L., & Torkkeli, M. (2014). Open innovation and collaboration in the financial services sector: exploring the role of trust. International Journal of Business Innovation and Research, 8(5), 466-484
Sanjeev, K., & Gaurav, S. (2013). Factors Influencing New Product Development In Microfinance Institutions: A Perspective From North Indian Microfinance Institutions. Journal of Innovation Economics & Management. 83- 105.
Shedden, A. & Malna, G. (2016). Supporting the Development and Adoption of RegTech: No Better Time for a Call for Input, BURGES SALMON 2, and January 2.
Sterman. J. D. (2000). Business dynamics: system thinking and modeling for complex world; Irwin mcgraw-hill, London
Sudeshna R., Nipu, M., & Pranab K. D. (2017). Product Quality as Factors and Measures for New Product Development Success in Indian Manufacturing Industries, Materials Today: Proceedings, 4(2), 1385-1393.
Sujinda, P., & Patchara P. (2016). Motivation synergy, knowledge absorptive capacity and NPD project performance in multinational automobiles in Thailand. The Journal of High Technology Management Research,27(2), 129-139.
Suwannaporn, P., & Speece, M. W. (2010). Assessing new product development success factors in the Thai food industry, British Food Journal, 112(4), 364-386.
Syeda Asiya Z. K., Marja N., Juha K., & Jussi K., (2016). Connecting strategic thinking with product innovativeness to reinforce NPD support process. Procedia - Social and Behavioral Sciences, 235 : 672 – 684.
Vermeulen, P. (2004). Managing product innovation in financial services firms. European Management Journal, 22(1), 43-50.
Yonghee J. K. (2015) an Empirical Study on the Adoption of Fintech Service: Focused on Mobile Payment Services. Advanced Science and Technology Letters, 114 , 136-140.
Yongwoon Sh., & Dong-Hee Sh. (2015). Analyzing China’s Fintech Industry from the Perspective of Actor–Network Theory. Telecommunications Policy. 40(2–3), 168-181.
Zetzsche, D. A., Buckley, R. P., Arner, D. W. and Barberis, J. N. (2017), From FinTech to TechFin: The Regulatory Challenges of Data-Driven Finance, New York University Journal of Law and Business, Forthcoming; European Banking Institute Working Paper Series 2017 - No. 6; University of Hong Kong Faculty of Law Research Paper No. 2017/007; University of Luxembourg Law Working Paper No. 2017-001. April 28.
آل‌عمران رویا؛ رحیم زاده، فرزاد و شکوهی فرد، سیامک. (1398). اثر اینترنت بر بازدهی سیستم بانکی (مطالعه موردی بانک‌های منتخب ایران)، اقتصاد مالی، 13(48)، 62-39.
برخورداری، سجاد؛ ابریشمی حمید و ذوالفقاری، مجتبی. (1398). تأثیر توسعه مالی بر توسعه انسانی در کشورهای درحال‌توسعه با تمرکز بر ویژگی‌های نهادی، اجتماعی و اقتصادی، اقتصاد مالی، 13(48)، 237-217.
حسینی دهشیری، سید جلال‌الدین؛ آقایی، مجتبی و صالحی صدقیانی، جمشید. (1398). راهکارهای رفع موانع اجرای مدیریت دانش در زنجیره تأمین استارتاپ های مواد غذایی تندمصرف. مطالعات مدیریت کسب‌وکار هوشمند، 7(30)، 114-79.
رمضانیان، محمد؛ نصیر، ابواقاسم و عبدی، عبدالله. (1391). تحلیل ریسک توسعه محصول جدید (NPD)، با استفاده از شبکه‌های بیز (BNs)، بازاریابی نوین، 39-21.
Adegoke, O., & Moronke I. O. (2010) Communication channels, innovation tasks and NPD project outcomes in innovation-driven horizontal networks, 28(5), 442-453.
Anagnostopoulos, I. (2018). Fintech and Regtech: Impact on Regulators and Banks, Journal of Economics and Business, 100, 7-25.
Arner, D. W., Barberis, J. N. & Buckley, R. P. (2017). FinTech, RegTech and the Reconceptualization of Financial Regulation, Northwestern Journal of International Law and Business, 37(3): 371-413
Athwal, N., (2016) ‘Online Marketplace Lending - Recently Misunderstood, Forbes www.forbes.com/sites /navathwal/2016 /07/18 /online-marketplace-lending 76d20408412f
Amami, M. (2000). Project Management and Communication of Product Development through Electronic Document Management. Project Management Journal, 31(2), 43-56.
Arnaboldi, F., & Claeys, P. (2008). Internet banking in Europe: a comparative analysis. Research Institute of Applied Economics Working Papers, No. 2008/11.
Ashwin, W., Joshi, & Sanjay, Sh. (2004). Customer Knowledge Development: Antecedents and Impact on New Product Performance. Journal of Marketing, 68(4):47-59.
Barthélemy, Ch., Sébastien, B., Vincent, Ch., Caroline, M., & Mickaël, G. (2012). NPD Projects in Search of Top Management Support: The Role of Team Leader. Social Capital Management, 15, 44 – 75.
Bunea, S., Kogan, B. and Stolin, D. (2016). Banks Versus FinTech: At Last, it's Official, Journal of Financial Transformation, 44, 122-131.
Calantone, R. J., & Cooper, R. G. (1979). A discriminant model for identifying scenarios of industrial new product failure. Journal of the Academy of Marketing Science, 7(3), 163-183.
Chesbrough, H. W. (2006). Open innovation: The new imperative for creating and profiting from technology. Harvard Business Press.
Chishti, S., & Barberis, J. (2016). The FinTech book: the financial technology handbook for investors, entrepreneurs and visionaries. John Wiley & Sons
Cortez, N. (2014). Regulating Disruption Innovation. Berkeley Technology Law Journal, 29(1): 175-228
Erik, M. (2016). Supply and demand on crowd lending platforms connecting small and medium sized enterprise borrowers and consumer investors. Journal of Retailing and Consumer Services , 33, 143-153.
Erik, J., H., & Felix, A. (2017). Building Competitive Advantage through Open Innovation a case study in the financial technology sector. Stockholm Business School Bachelor’s Degree Thesis 15 HE Credits Subject: Business Administration.
Fasnacht, D. (2009). Open Innovation in the financial services: growing through openness, flexibility and customer integration. Springer Science & Business Media
Foroutan, M., & Baski-Reeves, K. (2017). Need for development and validation of a new product development (NPD) assessment and improvement tool, a review of literature (2017), African Journal of Business Management, 11(7), 127-139.
Gomber, P., Koch, J. A. and Siering, M. (2017). Digital Finance and FinTech: current research and future research directions, Journal of Business Economics, 87(5): 537-580
Hafkesbrink, J., & Schroll, M. (2011). Innovation 3.0: embedding into community knowledge collaborative organizational learning beyond open innovation. Journal of Innovation Economics Management, (1), 55-92.
Hyun-Sun, R., & Jae-Nam, L. (2017). Understanding the Role of Technology in Service Innovation: Comparison of Three Theoretical Perspectives. Information & Management. Volume 55, Issue 3, April 2018, Pages 294-307
John, G. (2015). The impact that financial technology known as FinTech is having on the financial services industry in Ireland. Dissertation submitted in part fulfillment of the requirements for the degree of MBA. Dublin Business School. 10007685.
Kaal, W. A. & Vermeulen, E. P. M. (2017). How to Regulate Disruptive Innovation - From Facts to Data, Jurimetrics, 57(2), 169-209
Koichi, M. (2017). Measuring Efficiency and Creativity of NPD quoted by QFD. 27th International Conference on Flexible Automation and Intelligent Manufacturing, FAIM2017, Modena, Italy.
Liang, W., Heng, L., & Jianqi Z. (2016). Bricolage effects on new-product development speed and creativity: The moderating role of technological turbulence. Journal of Business Research. JBR-09241; 1- 9.
Lindomar, S. O., Marcia, E. Soares, E., & Marcelo N. C. (2016). Analysis of determinants for Open Innovation implementation in Regional Innovation Systems. RAI Revista de Administração e Inovação. 14(2), 119-129.
María, P., Ana, I. & Escuderob, R. (2017). NPD collaboration in an asymmetrical investment context: A relational view. Journal of Engineering and Technology Management. 45, 1-17.
Martovoy, A., & Dos S.J. (2012). Co-creation and co-profiting in financial services. International Journal of Entrepreneurship and Innovation Management, 16(1-2), 114-135.
Mike, R., & Erica, B. (2015). improving firm performance through NPD: The role of market orientation, NPD orientation and the NPD process. Australian Marketing Journal., 20(4),235-241.
Pankratz, O., & Loebbecke, C. (2011). Project managers' perception of IS project success factors-a repertory grid investigation. In ECIS, 170.
Ping, L., Shimei, Y., & Jianlin, W. (2017) The interaction effect between intraorganizational and inter organizational control on the project performance of new product development in open innovation. International Journal of Project Management, 35(8), 1627-1638
Salampasis, D., Mention, A. L., & Torkkeli, M. (2014). Open innovation and collaboration in the financial services sector: exploring the role of trust. International Journal of Business Innovation and Research, 8(5), 466-484
Sanjeev, K., & Gaurav, S. (2013). Factors Influencing New Product Development In Microfinance Institutions: A Perspective From North Indian Microfinance Institutions. Journal of Innovation Economics & Management. 83- 105.
Shedden, A. & Malna, G. (2016). Supporting the Development and Adoption of RegTech: No Better Time for a Call for Input, BURGES SALMON 2, and January 2.
Sterman. J. D. (2000). Business dynamics: system thinking and modeling for complex world; Irwin mcgraw-hill, London
Sudeshna R., Nipu, M., & Pranab K. D. (2017). Product Quality as Factors and Measures for New Product Development Success in Indian Manufacturing Industries, Materials Today: Proceedings, 4(2), 1385-1393.
Sujinda, P., & Patchara P. (2016). Motivation synergy, knowledge absorptive capacity and NPD project performance in multinational automobiles in Thailand. The Journal of High Technology Management Research,27(2), 129-139.
Suwannaporn, P., & Speece, M. W. (2010). Assessing new product development success factors in the Thai food industry, British Food Journal, 112(4), 364-386.
Syeda Asiya Z. K., Marja N., Juha K., & Jussi K., (2016). Connecting strategic thinking with product innovativeness to reinforce NPD support process. Procedia - Social and Behavioral Sciences, 235 : 672 – 684.
Vermeulen, P. (2004). Managing product innovation in financial services firms. European Management Journal, 22(1), 43-50.
Yonghee J. K. (2015) an Empirical Study on the Adoption of Fintech Service: Focused on Mobile Payment Services. Advanced Science and Technology Letters, 114 , 136-140.
Yongwoon Sh., & Dong-Hee Sh. (2015). Analyzing China’s Fintech Industry from the Perspective of Actor–Network Theory. Telecommunications Policy. 40(2–3), 168-181.
Zetzsche, D. A., Buckley, R. P., Arner, D. W. and Barberis, J. N. (2017), From FinTech to TechFin: The Regulatory Challenges of Data-Driven Finance, New York University Journal of Law and Business, Forthcoming; European Banking Institute Working Paper Series 2017 - No. 6; University of Hong Kong Faculty of Law Research Paper No. 2017/007; University of Luxembourg Law Working Paper No. 2017-001. April 28.
آل‌عمران رویا؛ رحیم زاده، فرزاد و شکوهی فرد، سیامک. (1398). اثر اینترنت بر بازدهی سیستم بانکی (مطالعه موردی بانک‌های منتخب ایران)، اقتصاد مالی، 13(48)، 62-39.
برخورداری، سجاد؛ ابریشمی حمید و ذوالفقاری، مجتبی. (1398). تأثیر توسعه مالی بر توسعه انسانی در کشورهای درحال‌توسعه با تمرکز بر ویژگی‌های نهادی، اجتماعی و اقتصادی، اقتصاد مالی، 13(48)، 237-217.
حسینی دهشیری، سید جلال‌الدین؛ آقایی، مجتبی و صالحی صدقیانی، جمشید. (1398). راهکارهای رفع موانع اجرای مدیریت دانش در زنجیره تأمین استارتاپ های مواد غذایی تندمصرف. مطالعات مدیریت کسب‌وکار هوشمند، 7(30)، 114-79.
رمضانیان، محمد؛ نصیر، ابواقاسم و عبدی، عبدالله. (1391). تحلیل ریسک توسعه محصول جدید (NPD)، با استفاده از شبکه‌های بیز (BNs)، بازاریابی نوین، 39-21.
Adegoke, O., & Moronke I. O. (2010) Communication channels, innovation tasks and NPD project outcomes in innovation-driven horizontal networks, 28(5), 442-453.
Anagnostopoulos, I. (2018). Fintech and Regtech: Impact on Regulators and Banks, Journal of Economics and Business, 100, 7-25.
Arner, D. W., Barberis, J. N. & Buckley, R. P. (2017). FinTech, RegTech and the Reconceptualization of Financial Regulation, Northwestern Journal of International Law and Business, 37(3): 371-413
Athwal, N., (2016) ‘Online Marketplace Lending - Recently Misunderstood, Forbes www.forbes.com/sites /navathwal/2016 /07/18 /online-marketplace-lending 76d20408412f
Amami, M. (2000). Project Management and Communication of Product Development through Electronic Document Management. Project Management Journal, 31(2), 43-56.
Arnaboldi, F., & Claeys, P. (2008). Internet banking in Europe: a comparative analysis. Research Institute of Applied Economics Working Papers, No. 2008/11.
Ashwin, W., Joshi, & Sanjay, Sh. (2004). Customer Knowledge Development: Antecedents and Impact on New Product Performance. Journal of Marketing, 68(4):47-59.
Barthélemy, Ch., Sébastien, B., Vincent, Ch., Caroline, M., & Mickaël, G. (2012). NPD Projects in Search of Top Management Support: The Role of Team Leader. Social Capital Management, 15, 44 – 75.
Bunea, S., Kogan, B. and Stolin, D. (2016). Banks Versus FinTech: At Last, it's Official, Journal of Financial Transformation, 44, 122-131.
Calantone, R. J., & Cooper, R. G. (1979). A discriminant model for identifying scenarios of industrial new product failure. Journal of the Academy of Marketing Science, 7(3), 163-183.
Chesbrough, H. W. (2006). Open innovation: The new imperative for creating and profiting from technology. Harvard Business Press.
Chishti, S., & Barberis, J. (2016). The FinTech book: the financial technology handbook for investors, entrepreneurs and visionaries. John Wiley & Sons
Cortez, N. (2014). Regulating Disruption Innovation. Berkeley Technology Law Journal, 29(1): 175-228
Erik, M. (2016). Supply and demand on crowd lending platforms connecting small and medium sized enterprise borrowers and consumer investors. Journal of Retailing and Consumer Services , 33, 143-153.
Erik, J., H., & Felix, A. (2017). Building Competitive Advantage through Open Innovation a case study in the financial technology sector. Stockholm Business School Bachelor’s Degree Thesis 15 HE Credits Subject: Business Administration.
Fasnacht, D. (2009). Open Innovation in the financial services: growing through openness, flexibility and customer integration. Springer Science & Business Media
Foroutan, M., & Baski-Reeves, K. (2017). Need for development and validation of a new product development (NPD) assessment and improvement tool, a review of literature (2017), African Journal of Business Management, 11(7), 127-139.
Gomber, P., Koch, J. A. and Siering, M. (2017). Digital Finance and FinTech: current research and future research directions, Journal of Business Economics, 87(5): 537-580
Hafkesbrink, J., & Schroll, M. (2011). Innovation 3.0: embedding into community knowledge collaborative organizational learning beyond open innovation. Journal of Innovation Economics Management, (1), 55-92.
Hyun-Sun, R., & Jae-Nam, L. (2017). Understanding the Role of Technology in Service Innovation: Comparison of Three Theoretical Perspectives. Information & Management. Volume 55, Issue 3, April 2018, Pages 294-307
John, G. (2015). The impact that financial technology known as FinTech is having on the financial services industry in Ireland. Dissertation submitted in part fulfillment of the requirements for the degree of MBA. Dublin Business School. 10007685.
Kaal, W. A. & Vermeulen, E. P. M. (2017). How to Regulate Disruptive Innovation - From Facts to Data, Jurimetrics, 57(2), 169-209
Koichi, M. (2017). Measuring Efficiency and Creativity of NPD quoted by QFD. 27th International Conference on Flexible Automation and Intelligent Manufacturing, FAIM2017, Modena, Italy.
Liang, W., Heng, L., & Jianqi Z. (2016). Bricolage effects on new-product development speed and creativity: The moderating role of technological turbulence. Journal of Business Research. JBR-09241; 1- 9.
Lindomar, S. O., Marcia, E. Soares, E., & Marcelo N. C. (2016). Analysis of determinants for Open Innovation implementation in Regional Innovation Systems. RAI Revista de Administração e Inovação. 14(2), 119-129.
María, P., Ana, I. & Escuderob, R. (2017). NPD collaboration in an asymmetrical investment context: A relational view. Journal of Engineering and Technology Management. 45, 1-17.
Martovoy, A., & Dos S.J. (2012). Co-creation and co-profiting in financial services. International Journal of Entrepreneurship and Innovation Management, 16(1-2), 114-135.
Mike, R., & Erica, B. (2015). improving firm performance through NPD: The role of market orientation, NPD orientation and the NPD process. Australian Marketing Journal., 20(4),235-241.
Pankratz, O., & Loebbecke, C. (2011). Project managers' perception of IS project success factors-a repertory grid investigation. In ECIS, 170.
Ping, L., Shimei, Y., & Jianlin, W. (2017) The interaction effect between intraorganizational and inter organizational control on the project performance of new product development in open innovation. International Journal of Project Management, 35(8), 1627-1638
Salampasis, D., Mention, A. L., & Torkkeli, M. (2014). Open innovation and collaboration in the financial services sector: exploring the role of trust. International Journal of Business Innovation and Research, 8(5), 466-484
Sanjeev, K., & Gaurav, S. (2013). Factors Influencing New Product Development In Microfinance Institutions: A Perspective From North Indian Microfinance Institutions. Journal of Innovation Economics & Management. 83- 105.
Shedden, A. & Malna, G. (2016). Supporting the Development and Adoption of RegTech: No Better Time for a Call for Input, BURGES SALMON 2, and January 2.
Sterman. J. D. (2000). Business dynamics: system thinking and modeling for complex world; Irwin mcgraw-hill, London
Sudeshna R., Nipu, M., & Pranab K. D. (2017). Product Quality as Factors and Measures for New Product Development Success in Indian Manufacturing Industries, Materials Today: Proceedings, 4(2), 1385-1393.
Sujinda, P., & Patchara P. (2016). Motivation synergy, knowledge absorptive capacity and NPD project performance in multinational automobiles in Thailand. The Journal of High Technology Management Research,27(2), 129-139.
Suwannaporn, P., & Speece, M. W. (2010). Assessing new product development success factors in the Thai food industry, British Food Journal, 112(4), 364-386.
Syeda Asiya Z. K., Marja N., Juha K., & Jussi K., (2016). Connecting strategic thinking with product innovativeness to reinforce NPD support process. Procedia - Social and Behavioral Sciences, 235 : 672 – 684.
Vermeulen, P. (2004). Managing product innovation in financial services firms. European Management Journal, 22(1), 43-50.
Yonghee J. K. (2015) an Empirical Study on the Adoption of Fintech Service: Focused on Mobile Payment Services. Advanced Science and Technology Letters, 114 , 136-140.
Yongwoon Sh., & Dong-Hee Sh. (2015). Analyzing China’s Fintech Industry from the Perspective of Actor–Network Theory. Telecommunications Policy. 40(2–3), 168-181.
Zetzsche, D. A., Buckley, R. P., Arner, D. W. and Barberis, J. N. (2017), From FinTech to TechFin: The Regulatory Challenges of Data-Driven Finance, New York University Journal of Law and Business, Forthcoming; European Banking Institute Working Paper Series 2017 - No. 6; University of Hong Kong Faculty of Law Research Paper No. 2017/007; University of Luxembourg Law Working Paper No. 2017-001. April 28.
آل‌عمران رویا؛ رحیم زاده، فرزاد و شکوهی فرد، سیامک. (1398). اثر اینترنت بر بازدهی سیستم بانکی (مطالعه موردی بانک‌های منتخب ایران)، اقتصاد مالی، 13(48)، 62-39.
برخورداری، سجاد؛ ابریشمی حمید و ذوالفقاری، مجتبی. (1398). تأثیر توسعه مالی بر توسعه انسانی در کشورهای درحال‌توسعه با تمرکز بر ویژگی‌های نهادی، اجتماعی و اقتصادی، اقتصاد مالی، 13(48)، 237-217.
حسینی دهشیری، سید جلال‌الدین؛ آقایی، مجتبی و صالحی صدقیانی، جمشید. (1398). راهکارهای رفع موانع اجرای مدیریت دانش در زنجیره تأمین استارتاپ های مواد غذایی تندمصرف. مطالعات مدیریت کسب‌وکار هوشمند، 7(30)، 114-79.
رمضانیان، محمد؛ نصیر، ابواقاسم و عبدی، عبدالله. (1391). تحلیل ریسک توسعه محصول جدید (NPD)، با استفاده از شبکه‌های بیز (BNs)، بازاریابی نوین، 39-21.
Adegoke, O., & Moronke I. O. (2010) Communication channels, innovation tasks and NPD project outcomes in innovation-driven horizontal networks, 28(5), 442-453.
Anagnostopoulos, I. (2018). Fintech and Regtech: Impact on Regulators and Banks, Journal of Economics and Business, 100, 7-25.
Arner, D. W., Barberis, J. N. & Buckley, R. P. (2017). FinTech, RegTech and the Reconceptualization of Financial Regulation, Northwestern Journal of International Law and Business, 37(3): 371-413
Athwal, N., (2016) ‘Online Marketplace Lending - Recently Misunderstood, Forbes www.forbes.com/sites /navathwal/2016 /07/18 /online-marketplace-lending 76d20408412f
Amami, M. (2000). Project Management and Communication of Product Development through Electronic Document Management. Project Management Journal, 31(2), 43-56.
Arnaboldi, F., & Claeys, P. (2008). Internet banking in Europe: a comparative analysis. Research Institute of Applied Economics Working Papers, No. 2008/11.
Ashwin, W., Joshi, & Sanjay, Sh. (2004). Customer Knowledge Development: Antecedents and Impact on New Product Performance. Journal of Marketing, 68(4):47-59.
Barthélemy, Ch., Sébastien, B., Vincent, Ch., Caroline, M., & Mickaël, G. (2012). NPD Projects in Search of Top Management Support: The Role of Team Leader. Social Capital Management, 15, 44 – 75.
Bunea, S., Kogan, B. and Stolin, D. (2016). Banks Versus FinTech: At Last, it's Official, Journal of Financial Transformation, 44, 122-131.
Calantone, R. J., & Cooper, R. G. (1979). A discriminant model for identifying scenarios of industrial new product failure. Journal of the Academy of Marketing Science, 7(3), 163-183.
Chesbrough, H. W. (2006). Open innovation: The new imperative for creating and profiting from technology. Harvard Business Press.
Chishti, S., & Barberis, J. (2016). The FinTech book: the financial technology handbook for investors, entrepreneurs and visionaries. John Wiley & Sons
Cortez, N. (2014). Regulating Disruption Innovation. Berkeley Technology Law Journal, 29(1): 175-228
Erik, M. (2016). Supply and demand on crowd lending platforms connecting small and medium sized enterprise borrowers and consumer investors. Journal of Retailing and Consumer Services , 33, 143-153.
Erik, J., H., & Felix, A. (2017). Building Competitive Advantage through Open Innovation a case study in the financial technology sector. Stockholm Business School Bachelor’s Degree Thesis 15 HE Credits Subject: Business Administration.
Fasnacht, D. (2009). Open Innovation in the financial services: growing through openness, flexibility and customer integration. Springer Science & Business Media
Foroutan, M., & Baski-Reeves, K. (2017). Need for development and validation of a new product development (NPD) assessment and improvement tool, a review of literature (2017), African Journal of Business Management, 11(7), 127-139.
Gomber, P., Koch, J. A. and Siering, M. (2017). Digital Finance and FinTech: current research and future research directions, Journal of Business Economics, 87(5): 537-580
Hafkesbrink, J., & Schroll, M. (2011). Innovation 3.0: embedding into community knowledge collaborative organizational learning beyond open innovation. Journal of Innovation Economics Management, (1), 55-92.
Hyun-Sun, R., & Jae-Nam, L. (2017). Understanding the Role of Technology in Service Innovation: Comparison of Three Theoretical Perspectives. Information & Management. Volume 55, Issue 3, April 2018, Pages 294-307
John, G. (2015). The impact that financial technology known as FinTech is having on the financial services industry in Ireland. Dissertation submitted in part fulfillment of the requirements for the degree of MBA. Dublin Business School. 10007685.
Kaal, W. A. & Vermeulen, E. P. M. (2017). How to Regulate Disruptive Innovation - From Facts to Data, Jurimetrics, 57(2), 169-209
Koichi, M. (2017). Measuring Efficiency and Creativity of NPD quoted by QFD. 27th International Conference on Flexible Automation and Intelligent Manufacturing, FAIM2017, Modena, Italy.
Liang, W., Heng, L., & Jianqi Z. (2016). Bricolage effects on new-product development speed and creativity: The moderating role of technological turbulence. Journal of Business Research. JBR-09241; 1- 9.
Lindomar, S. O., Marcia, E. Soares, E., & Marcelo N. C. (2016). Analysis of determinants for Open Innovation implementation in Regional Innovation Systems. RAI Revista de Administração e Inovação. 14(2), 119-129.
María, P., Ana, I. & Escuderob, R. (2017). NPD collaboration in an asymmetrical investment context: A relational view. Journal of Engineering and Technology Management. 45, 1-17.
Martovoy, A., & Dos S.J. (2012). Co-creation and co-profiting in financial services. International Journal of Entrepreneurship and Innovation Management, 16(1-2), 114-135.
Mike, R., & Erica, B. (2015). improving firm performance through NPD: The role of market orientation, NPD orientation and the NPD process. Australian Marketing Journal., 20(4),235-241.
Pankratz, O., & Loebbecke, C. (2011). Project managers' perception of IS project success factors-a repertory grid investigation. In ECIS, 170.
Ping, L., Shimei, Y., & Jianlin, W. (2017) The interaction effect between intraorganizational and inter organizational control on the project performance of new product development in open innovation. International Journal of Project Management, 35(8), 1627-1638
Salampasis, D., Mention, A. L., & Torkkeli, M. (2014). Open innovation and collaboration in the financial services sector: exploring the role of trust. International Journal of Business Innovation and Research, 8(5), 466-484
Sanjeev, K., & Gaurav, S. (2013). Factors Influencing New Product Development In Microfinance Institutions: A Perspective From North Indian Microfinance Institutions. Journal of Innovation Economics & Management. 83- 105.
Shedden, A. & Malna, G. (2016). Supporting the Development and Adoption of RegTech: No Better Time for a Call for Input, BURGES SALMON 2, and January 2.
Sterman. J. D. (2000). Business dynamics: system thinking and modeling for complex world; Irwin mcgraw-hill, London
Sudeshna R., Nipu, M., & Pranab K. D. (2017). Product Quality as Factors and Measures for New Product Development Success in Indian Manufacturing Industries, Materials Today: Proceedings, 4(2), 1385-1393.
Sujinda, P., & Patchara P. (2016). Motivation synergy, knowledge absorptive capacity and NPD project performance in multinational automobiles in Thailand. The Journal of High Technology Management Research,27(2), 129-139.
Suwannaporn, P., & Speece, M. W. (2010). Assessing new product development success factors in the Thai food industry, British Food Journal, 112(4), 364-386.
Syeda Asiya Z. K., Marja N., Juha K., & Jussi K., (2016). Connecting strategic thinking with product innovativeness to reinforce NPD support process. Procedia - Social and Behavioral Sciences, 235 : 672 – 684.
Vermeulen, P. (2004). Managing product innovation in financial services firms. European Management Journal, 22(1), 43-50.
Yonghee J. K. (2015) an Empirical Study on the Adoption of Fintech Service: Focused on Mobile Payment Services. Advanced Science and Technology Letters, 114 , 136-140.
Yongwoon Sh., & Dong-Hee Sh. (2015). Analyzing China’s Fintech Industry from the Perspective of Actor–Network Theory. Telecommunications Policy. 40(2–3), 168-181.
Zetzsche, D. A., Buckley, R. P., Arner, D. W. and Barberis, J. N. (2017), From FinTech to TechFin: The Regulatory Challenges of Data-Driven Finance, New York University Journal of Law and Business, Forthcoming; European Banking Institute Working Paper Series 2017 - No. 6; University of Hong Kong Faculty of Law Research Paper No. 2017/007; University of Luxembourg Law Working Paper No. 2017-001. April 28.ر
)