Commercial Surveys

Commercial Surveys

Identifying and Ranking Barriers to Technology Transfer from the Perspective of Electronic Banking (Case study: Maskan Bank and Melli Bank)

Document Type : definition

Authors
Maryam Ebrahimi 1
Kamran Yeganegi 2
1 Assistant Professor, Department of Management, Islamic Azad University, Electronic Branch, Tehran, Iran
2 Assistant Professor, Department of Industrial Engineering, Zanjan Branch, Islamic Azad University, Zanjan, Iran
10.22034/bs.2022.558197.2601
Abstract
Banks will look different in the future. This article expands the theory of technology transfer in banking. The purpose of this research is to identify and rank the barriers to technology transfer in Maskan Bank and Melli Bank. Accordingly, first, barriers to technology transfer as well as barriers to establishing electronic banking are identified based on theoretical literature and experts' points of view. Hierarchical analysis process method and 80 experts' opinions during the first 6 months of 2019 were used to rank these barriers. The identified barriers are: organizational barriers (Management support, instability, and value), human barriers (management skills, human skills, innovation, and employee knowledge), technical barriers (complexity, legal, and financial), and Information barriers (cost of information, communication, and inappropriate choice of technology). Content validity ratio has been used for validity analysis. This ratio is greater than 0.33 for all sub-criteria. The results have shown that technical obstacles with a weight of 0.393 are the most important obstacles and organizational obstacles with a weight of 0.177 are the least important. Among the sub-criteria, financial obstacles with a weight of 0.183 are in the first priority and unsustainable obstacles with a weight of 0.029 are in the last priority. In this research, the literature of technology transfer has been used to evolve the literature of electronic banking implementation, and the classification of barriers to technology transfer in banks in this way has not been discussed in the research literature so far. In addition, ranking has been done in Maskan Bank and Melli Bank. The identification of these obstacles and their ranking provides the macro management of banking systems with the possibility of effective intervention to remove these obstacles.
 
 
Keywords
Barriers to Technology Transfer / Iranian Banking System / Technology Transfer
 
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Commercial Surveys
Volume 21, Issue 120 - Serial Number 120
July and August 2023
Pages 79-97

  • Receive Date 21 July 2022
  • Revise Date 04 September 2022
  • Accept Date 07 September 2022