آزمون الگوی مفهومی عوامل موثر بر توسعه نوآوری خدمات در صنعت بانکداری(مورد مطالعه: بانک ملت استان آذربایجان¬شرقی)
محورهای موضوعی : مدیریت دانش
بهروز امینی
1
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ناصر فقهی فرهمند
2
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سلیمان ایرانزاده
3
1 - دانشجوی دکتری گروه مدیریت، واحد تبریز، دانشگاه آزاد اسلامی، تبریز، ایران
2 - دانشیار گروه مديريت، واحد تبريز، دانشگاه آزاد اسلامي، تبريز، ايران
3 - دانشگاه آزاد اسلامی واحد تبریز
کلید واژه: نوآوری خدمات, صنعت بانکداری, مدلسازی مسیری- ساختاری,
چکیده مقاله :
نوآوری در صنعت بانکداری که بسیار رقابتی است، نقش بسزایی دارد. بانک ها ضمن تعهدات مسئولیت اجتماعی خود، مسئولیت حداکثر سودآوری و افزایش ثروت سهامداران را بر عهده دارند که تنها راه دستیابی بانک ها به این نتیجه مطلوب، نوآوری است. بنابراین هدف این پژوهش آزمون الگوی مفهومی عوامل موثر بر توسعه نوآوری خدمات در صنعت بانکداری بوده است. این پژوهش بر اساس هدف کاربردی- توسعه ای بوده است. در این پژوهش در مرحله اول با استفاده از مدلسازی ساختاری- تفسیری، الگوی مفهومی عوامل موثر بر توسعه نوآوری خدمات در صنعت بانکداری تدوین شده و در مرحله بعدی با استفاده از مدلسازی مسیری- ساختاری الگوی تدوین شده آزمون گردیده است. برای جمع آوری داده ها از دو پرسشنامه محقق ساخته استفاده شده که پس از تعیین روایی و پایایی در بین اعضای نمونه آماری توزیع شده است. جامعه آماری در بخش تدوین الگو، خبرگان آشنا به موضوع و در بخش آزمون الگوی تدوین شده، کلیه مدیران، روسای شعب و معاونین آنها در بانک ملت بوده است. بر همین اساس 13 نفر خبره و 108 نفر مدیران، روسای شعب و معاونین در دو بخش از پژوهش به عنوان نمونه آماری مشارکت داشته اند. یافته های پژوهش ضمن نشان دادن روابط مختلف بین ابعاد توسعه نوآوری خدمات در صنعت بانکداری، نشان می دهد که فرایند توسعه خدمات جدید تأثیرپذیرترین عامل و سازمان و مدیریت تأثیرگذارترین عامل در توسعه نوآوری خدمات بانک می باشند. همچنین آزمون الگوی تدوین شده نشان دهنده اعتبار الگو در جامعه آماری مورد بررسی بوده است.
Innovation plays an important role in the banking industry, which is very competitive. In addition to their social responsibility obligations, banks are responsible for maximizing profitability and increasing shareholder wealth, and the only way for banks to achieve this desired result is through innovation. Therefore, the purpose of this study was to test the conceptual model of factors affecting the development of service innovation in the banking industry. This research has been based on an applied-developmental goal. In this research, in the first stage, using structural-interpretive modeling, the conceptual model of factors affecting the development of service innovation in the banking industry has been developed and in the next stage, using the path-structural modeling, the developed model has been tested. To collect the data, two researcher-made questionnaires were used, which were distributed among the members of the statistical sample after determining their validity and reliability. The statistical population in the model development section, experts familiar with the subject and in the model testing section, all managers, heads of branches and their deputies in Bank Mellat have been. Accordingly, 13 experts and 108 managers, heads of departments and deputies participated in two parts of the study as a statistical sample. Findings while showing different relationships between the dimensions of service innovation development in the banking industry, show that the process of new service development is the most influential factor and the organization and management are the most influential factor in the development of bank service innovation.
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