چكيده لاتين
In todayʹs world, banks and financial institutions are considered as the main pillar of modern society and act as a catalyst in stimulating and feeding economic growth. The banking industry has always faced challenges such as the increase in operational costs and the increasing number of fraudulent transactions and issues in the field of ensuring transparency and security throughout history. In todayʹs world, technology and technologies have come to the aid of mankind, and to experts in this field, blockchain for financial services means trust for everyone. Today, the integration of new technologies in all processes has caused a strong evolution of that industry. Blockchain is also an emerging concept and provides the possibility of decentralized and immutable data storage. Now, to what extent blockchain can improve the performance of the banking industry is important. In previous researches, either a specific bank has been investigated or the effective factors have been extracted in general, if this research intends to prioritize these factors according to their importance in this industry, in addition to evaluating the main factors affecting blockchain on the banking industry of Iran. analyze them in the banking industry of Iran. This research first examines what blockchain is and its key features as a factor for change in the business and banking model, then the number of 78 effective indicators of block chain technology (blockchain) on the banking industry of Iran is extracted using a systematic review method and divided into 19 general groups. are grouped. Then, by using the content validity ratio questionnaire and the content validity index, the indicators are narrowed down to 18 numbers, after that, by using the Dimatel technique, the relationship between the criteria, the cause and effect relationships, and the mapping of the relationships between the indicators were investigated, and finally, by combining the method Dimatel and interpretive structural modeling and Mik-Mak analysis investigated the effect of each of the variables on other variables and the results of this research indicate that the indicators of data security, data transparency, increased trust, cost-effectiveness, transaction speed, ease of use, recognition Customer, creating banking competitive advantage, better transaction processing, improving the efficiency of banking services, improving data exchange, reducing human error, the ability to track transactions, societyʹs attitude towards technology, peer-to-peer transfer, consensus, decentralized transactions, government support for effective blockchain indicators. The banking industry is also identified as the most effective index of "transaction tracking ability and decentralized transactions" and the most effective index of "societyʹs attitude towards technology".