| چکیده انگلیسی مقاله |
Changes in information and communication technology, the advancement of artificial intelligence, the advancement of decision-making science and data science, and other related sciences have led to the movement and transition from traditional banking to smart banking as quickly as possible. Since there are many barriers and challenges in the way of this movement of banks, which are often in contradiction with each other in the real world and do not have the same importance to manage and adopt a behavioral strategy towards them, the present research seeks to identify and prioritize smart banking barriers based on the best-worst multi-criteria decision-making (BWM) expert oriented method. To show the efficiency of the research approach, a case study was used in the country's banking industry. In this regard, after reviewing the research literature, barriers to smart banking were identified. Then, by using the fuzzy Delphi method, these barriers were localized and screened to match the country's business environment. In the following, by using the BWM method, the importance of these barriers is determined. The results indicated that strategic, managerial, and extra-organizational barriers are the most important in moving toward smart banking. Finally, based on the results of the research, practical and research suggestions were presented. The current research includes a topic that has been less considered in the literature of this field, especially in Iran, analytically and quantitatively; Therefore, it can be the beginning of this path and be a guide for future more developed research in this field. Also, the results of this research are important for the managers and decision-makers of the country's banking sector and can lead to effective and efficient management of resources and remove them from the lack of concentration and confusion regarding the removal of barriers and the priority of each of them in implementation. |