ارزیابی زیرساخت سیستم بانکداری ایران در به‌کار گیری فناوری کلان داده

نوع مقاله : مقاله پژوهشی

نویسندگان

1 گروه مهندسی کامپیوتر، دانشگاه پیام نور، تهران، ایران.

2 گروه اقتصاد، دانشگاه پیام نور، تهران، ایران.

چکیده
هدف: این پژوهش به بررسی تاثیر عوامل پیش‌بین نظیر، زیرساخت فناوری اطلاعات و ارتباطات، سطح تعامل‌پذیری سیستم‌های بانکی، منابع انسانی، منابع مالی و سیاست‌ها و قوانین بر توسعه زیرساخت کلان داده در نظام بانکداری ایران می‌پردازد.
روش‌شناسی پژوهش: داده‌های مورد استفاده از طریق پرسشنامه مبتنی بر مقیاس لیکرت از 104 نفر از کارکنان بانک‌های ملی، صادرات، ملت، تجارت و سپه در استان همدان جمع‌آوری شده است.
یافته‌ها: نتایج آزمون‌های همبستگی نشان می‌دهد که تمامی متغیرهای پیش‌بین به‌طور مثبت و معنادار با زیرساخت کلان داده مرتبط هستند. تحلیل رگرسیون چندگانه نیز نشان می‌دهد که حدود %56 از تغییرات در زیرساخت کلان داده توسط این عوامل توضیح داده می‌شود (R²=0.560). همچنین، پایایی ابزاری مورد استفاده با مقادیر آلفای کرونباخ بین 0.769 تا 0.821 تایید شده است.
اصالت/ارزش افزوده علمی: یافته‌های به‌دست ‌آمده با نتایج مطالعات پیشین داخلی و بین‌المللی همسو بوده و بر اهمیت بهبود زیرساخت‌های فناوری اطلاعات، ارتقای تعامل‌پذیری سیستم‌ها، تقویت تخصص نیروی انسانی، تخصیص منابع مالی مناسب و تدوین سیاست‌های حمایتی به‌عنوان شروط اساسی توسعه فناوری کلان داده تاکید می‌کند؛ بنابراین، توجه به این عوامل می‌تواند زمینه‌ساز افزایش کارایی و رقابت‌پذیری نظام بانکی ایران در عرصه دیجیتال گردد.

کلیدواژه‌ها

موضوعات


عنوان مقاله English

Evaluation of the Iranian banking system infrastructure in the utilization of big data technology

نویسندگان English

Amir Hajian 1
Mohsen Hajian 2
1 Department of Computer Engineering, Payam Noor University, Tehran, Iran.
2 Department of Economics, Payam Noor University, Tehran, Iran.
چکیده English

Purpose: This study examines the impact of predictor variables, including Information and Communications Technology (ICT) infrastructure, the level of interoperability in banking systems, human resources, financial resources, and policies and regulations, on the development of big data infrastructure within the Iranian banking system.
Methodology: Data were collected using a Likert-scale questionnaire administered to 104 employees from Meli, Saderat, Mellat, Tejarat, and Sepah banks in the Hamedan province.
Findings: Correlation tests revealed that all predictor variables are positively and significantly related to big data infrastructure. Multiple regression analysis further indicated that these factors explain approximately 56% of the variation in big data infrastructure (R² = 0.560). Additionally, the instrument's reliability was confirmed, with Cronbach's alpha values ranging from 0.769 to 0.821.
Originality/Value: The findings are consistent with previous domestic and international studies, underscoring the importance of improving ICT infrastructures, enhancing system interoperability, strengthening human resource expertise, securing appropriate financial investments, and formulating supportive policies as fundamental prerequisites for the development of big data technology. Consequently, addressing these factors may pave the way for increased efficiency and competitiveness of the Iranian banking system in the digital era.

کلیدواژه‌ها English

Big data
Information and communication technology
Iranian banking system
Multiple regression
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