ارائه مدل ارزش استراتژیک فناوری بلاکچین در اکوسیستم فین‌تک و خدمات مالی

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Ahmad, Z., Khan, A. A., & Burki, A. K. (2024). Financial sustainability in emerging markets: The role of fintech, risk management, and operational efficiency. Contemporary Journal of Social Science Review, 2(04), 339-353.

Alnsour, I. R. (2022). Impact of fintech over consumer experience and loyalty intentions: An empirical study on Jordanian Islamic banks. Cogent Business & Management, 9(1), 2141098. https://doi.org/10.1080/23311975.2022.2141098

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Anoop, V. S., & Goldston, J. (2022). Decentralized finance to hybrid finance through blockchain: A case-study of Acala and Current. Journal of Banking and Financial Technology, 6(1), 109-115. https://doi.org/10.1007/s42786-022-00041-0

Arabimoghadam, H., Motameni, A., & Otarkhani, A. (2025). Comprehensive formulation of a framework for fintech dimensions and components. Information Management Sciences and Techniques, 11(2), 71-92.

Boratynska, K. (2019). Impact of digital transformation on value creation in FinTech services: An innovative approach. Journal of Promotion Management, 25(5), 631-639. https://doi.org/10.1080/10496491.2019.1585543

Chang, V., Baudier, P., Zhang, H., Xu, Q., Zhang, J., & Arami, M. (2020). How blockchain can impact financial services: The overview, challenges and recommendations from expert interviewees. Technological Forecasting and Social Change, 158, 120166. https://doi.org/10.1016/j.techfore.2020.120166

Chao, Y., & Goli, A. (2024). Integrating blockchain technology in business models for sustainable innovation. Sustainability, 16(16), 7217. https://doi.org/10.3390/su16167217

Del Sarto, N., Gai, L., & Ielasi, F. (2024). Financial innovation: The impact of blockchain technologies on financial intermediaries. Journal of Financial Management, Markets and Institutions, 12(01), 2350005. https://doi.org/10.1142/S2282717X23500056

Ding, N., Gu, L., & Peng, Y. (2022). Fintech, financial constraints and innovation: Evidence from China. Journal of Corporate Finance, 73, 102194. https://doi.org/10.1016/j.jcorpfin.2022.102194

Dixit, S., & Jangid, J. (2024). Exploring smart contracts and artificial intelligence in FinTech.

Domashenko, S., Hres-Yevreinova, S., Zadoia, Y., Starostenko, D., & Salin, S. (2023). Blockchain and fintech technologies in the digital space of financial and industrial companies. Sustainable Engineering and Innovation, 5(2), 281-302. https://doi.org/10.37868/sei.v5i2.id232

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Ehteshami Nejad, A., & Pakzad. (2023). The role of blockchain technologies in creating transparency and security in entrepreneurial financial transactions. Technology in Entrepreneurship and Strategic Management, 2(4).

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Fasnacht, D. (2021). Banking 4.0: Digital ecosystems and super-apps. In Theories of Change: Change Leadership Tools, Models and Applications for Investing in Sustainable Development (pp. 235-256). Springer International Publishing. https://doi.org/10.1007/978-3-030-52275-9_15

Hashemi, M., Safdari Ranjbar, M., & Nourbakhsh, A. (2021). Identifying windows of opportunity for blockchain technology in Iran's banking industry. Science and Technology Policy Letter, 11(2), 35-53.

Hassan, M. K., Rabbani, M. R., Jreisat, A., & Hossain, M. M. (2022). Fintech, pandemic, and the Islamic financial system: Innovative financial services and its shariah compliance. In FinTech in Islamic Financial Institutions: Scope, Challenges, and Implications in Islamic Finance (pp. 243-261). Springer International Publishing. https://doi.org/10.1007/978-3-031-14941-2_12

Hooshyar, R., Rousta, A., & Gholami. (2023). Developing a value-creation model in the insurance industry with a focus on blockchain technology. Innovation Management in Defense Organizations, 6(1), 83-108.

Jalal, A., Al Mubarak, M., & Durani, F. (2023). Financial technology (fintech). In Artificial Intelligence and Transforming Digital Marketing (pp. 525-536). Springer Nature Switzerland. https://doi.org/10.1007/978-3-031-35828-9_45

Jena, R. K. (2022). Examining the factors affecting the adoption of blockchain technology in the banking sector: An extended UTAUT model. International Journal of Financial Studies, 10(4), 90. https://doi.org/10.3390/ijfs10040090

Karimova, I. Y. K. (2025). The role of fintech in driving economic growth: Transforming financial services and enhancing market efficiency. Oriental Renaissance: Innovative, Educational, Natural and Social Sciences, 5(1), 193-200.

Khatwani, R., Mishra, M., Bedarkar, M., Nair, K., & Mistry, J. (2023). Impact of blockchain on financial technology innovation in the banking, financial services and insurance (BFSI) sector. Journal of Statistics Applications and Probability, 12(1), 181-189. https://doi.org/10.18576/jsap/120117

Kiymaz, H., & Valdez, C. H. M. (2024). Blockchain in Fintech: A catalyst for disrupting the financial world. In The Emerald Handbook of Fintech (pp. 251-265). Emerald Publishing Limited. https://doi.org/10.1108/978-1-83753-608-520241032

Kumari, A., & Devi, N. C. (2022). The impact of fintech and blockchain technologies on banking and financial services. Technology Innovation Management Review, 12(1/2). https://doi.org/10.22215/timreview/1481

Mahim, M. M. H., Hong, T. K., Rahman, M., Chan, M. P., Rahman, I., Uddin, S. R., & Haider, S. A. (2025). Blockchain-based business FinTech management using artificial intelligence algorithms and computing technologies.

Manoharan, A. (2022). Blockchain technology: Reinventing trust and security in the digital world.

Mansouri, S., & Dehghani, E. (2021). Developing a model for improving the quality of organizational training based on an interpretive structural modeling approach: A case study of industries in Yazd Province. Educational Planning Studies, 10(19), 106-124.

Mansouri, S., Rezaei, M., & Ramezani, D. (2023). Presenting a model of factors affecting the development of scientific tourism in Iran's higher education system: An interpretive structural study. Management and Educational Perspective, 5(4), 169-192.

Mohamed, H. (2021). Decentralizing finance via cryptocurrencies and tokenization of assets and peer-to-peer platforms. International Journal of Islamic Economics, 3(01), 1-16. https://doi.org/10.32332/ijie.v3i1.3128

Mohammadi, F., Darabi, R., & Badiei, H. (2024). Identifying and presenting a model of factors affecting fintech implementation in the national banking system. Financial Accounting and Auditing Research Journal, 16(61).

Mohsen Kazem, S., Rezazadeh, A., Mohammadzadeh, Y., & Mohseni Zanoozi, S. J. (2026). The effect of fintech on financial inclusion and financial stability in selected developing countries. Financial Research, 28(1), 261-299.

Moslemi, M., Mehrara, M., & Moslemi, A. (2024). The effect of blockchain technology on the quality of the audit process: An empirical study in the banking sector using panel data. Islamic Economics and Banking, 13(49), 439-461.

Ogunrinde, A., De-Pablos-Heredero, C., Montes-Botella, J. L., & Fernández-Sanz, L. (2025). The impact of blockchain technology and dynamic capabilities on banks' performance. Big Data and Cognitive Computing, 9(6), 144. https://doi.org/10.3390/bdcc9060144

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Pourrabbi, M. V., Salehi, M., Dalwai, T., & Moradi, M. (2025). Evaluating blockchain's impact on financial reporting: Opportunities and threats in fintech's input, processing, and output phases. Journal of Accounting & Organizational Change. https://doi.org/10.1108/JAOC-09-2024-0316

Rahman, M. H., Yeoh, W., & Pal, S. (2026). Towards a unified blockchain business value framework: A systematic literature review. Enterprise Information Systems, 2644596. https://doi.org/10.1080/17517575.2026.2644596

Rjoub, H., Adebayo, T. S., & Kirikkaleli, D. (2023). Blockchain technology-based FinTech banking sector involvement using adaptive neuro-fuzzy-based K-nearest neighbors algorithm. Financial Innovation, 9(1), 65. https://doi.org/10.1186/s40854-023-00469-3

Sadeghi, A., Irajpour, A., & Ehtesham Rathi, R. (2023). A strategic value-creation model of blockchain technology in financial and banking domains. Monetary-Banking Research Journal(58).

Sadeghi, A., Irajpour, A., & Ehtesham Rathi, R. (2024). Presenting a fintech-based blockchain technology value model in financial and banking businesses. Program and Development Research, 5(1), 183-223.

Senarathna, J. I. (2025). The role of cryptography in blockchain: Ensuring immutability, transparency and security.

Sharma, P., Moparthi, N. R., Namasudra, S., Shanmuganathan, V., & Hsu, C. H. (2022). Blockchain-based IoT architecture to secure healthcare system using identity-based encryption. Expert Systems, 39(10), e12915. https://doi.org/10.1111/exsy.12915

Siahaan, P. Y., & Ng, J. (2024). Analysis of blockchain technology implementation in improving transparency and trust in Indonesia's financial sector. Jurnal Sistem Informasi dan Ilmu Komputer, 2(4). https://doi.org/10.59581/jusiik-widyakarya.v2i4.4158

Tan, T. M., & Saraniemi, S. (2023). Trust in blockchain-enabled exchanges: Future directions in blockchain marketing. Journal of the Academy of Marketing Science, 51(4), 914-939. https://doi.org/10.1007/s11747-022-00889-0

Tayyar, S., & Nazari, E. (2018). Applied potentials of blockchain in the insurance industry: Opportunities and challenges. 25th National Conference on Insurance and Development, Tehran, Iran.

Tseng, C. T., & Shang, S. S. (2021). Exploring the sustainability of the intermediary role in blockchain. Sustainability, 13(4), 1936. https://doi.org/10.3390/su13041936

Upadhyay, N. (2024). Business models for the blockchain: An empirical analysis. Digital Business, 4(2), 100082. https://doi.org/10.1016/j.digbus.2024.100082

Yadav, A. S., Singh, N., & Kushwaha, D. S. (2023). Evolution of blockchain and consensus mechanisms and its real-world applications. Multimedia Tools and Applications, 82(22), 34363-34408. https://doi.org/10.1007/s11042-023-14624-6

Yuthas, K., Sarason, Y., & Aziz, A. (2021). Strategic value creation through enterprise blockchain. The Journal of the British Blockchain Association. https://doi.org/10.31585/jbba-4-1-(7)2021

Zarei, A., Modarresi, M., & Ebrahimi, M. (2024). Factors affecting the use of blockchain technology in electronic banking service management: A case study of Bank Mellat. Industrial Technology Development Quarterly, 22(57), 35-50.