نوع مقاله : مقاله علمی-پژوهشی

نویسندگان

1 دکتری حقوق عمومی، دانشگاه تهران، پردیس بین الملل کیش، ایران

2 گروه مدیریت، دانشکده علوم انسانی و اجتماعی، دانشگاه کردستان، سنندج، کردستان

3 کارشناسی ارشد مدیریت کسب و کار، دانشگاه صنعتی خواجه نصیرالدین طوسی، تهران، ایران

10.22034/jtd.2022.252588

چکیده

فناوری تنظیم‌گری، مفهومی نوظهور است که در سال‌های اخیر انقلاب بزرگی در حوزه ارائه خدمات مالی ایجاد نموده است، به طوری که در حال حاضر بسیاری از سازمان‌ها و نهادهای مالی در سطح جهان به دنبال ایجاد هماهنگی و بهره‌گیری از آن هستند. امروزه تعداد قابل توجهی از کسب و کارهای نوپا در زمینه فناوری تنظیم‌گری در دنیا متولد شده‌اند که از فناوری‌های جدیدی نظیر: داده‌کاوی، یادگیری ماشین، رایانش ابری، هوش مصنوعی، بلاکچین و غیره در این زمینه استفاده می‌کنند. در این پژوهش ابتدا به بررسی علمی مفهوم فناوری تنظیم‌گری و تاریخچه پیدایش آن پرداخته شد و سپس اهداف، مزایا و معایب، راه‌حل‌ها، فرصت‌ها، روندها و چالش‌های احتمالی این فناوری با اهمیت و راهگشا که بر سر راه کاربران و فعالان بازارهای مالی قرار خواهدگرفت، مورد بررسی و مطالعه قرار گرفت. در پژوهش حاضر، با بهره‌گیری از روش مرور نظام‌مند مبانی نظری، 25 مقاله منتخب علمی و پژوهشی در زمینه فناوری تنظیم‌گری جمع ‌آوری و تجزیه و تحلیل شد. راهکارهای فناوری تنظیم‌گری از روش‌های جدید، ابتکاری و نوآورانه فناوری پیشرفته نظیر: یادگیری ماشین، رباتیک، هوش مصنوعی، داده‌کاوی، بلاکچین، رابط‌های برنامه نویسی کاربردی، رایانش ابری، معماری سرویس‌گرا و راه‌حل‌های تجسم فکری استفاده می‌کند که می تواند سریع تر، با دقت بیشتر و هزینه کمتر تنظیم‌گری ها را محقق نماید.

کلیدواژه‌ها

عنوان مقاله [English]

Opportunities, challenges, and global trends in Regtech: A systematic review of theoretical foundations

نویسندگان [English]

  • Morteza Asgharnia 1
  • Arman Ahmadizad 2
  • Alireza Torabi 3

1 PhD in Public Law, University of Tehran, Kish International Campus, Iran

2 Department of Management, Faculty of Humanities and Social Sciences, University of Kurdistan, Sanandaj, Kurdistan

3 Master of Business Administration (MBA), K. N. Toosi University of Technology, Tehran, Iran

چکیده [English]

Regtech is an emerging concept that has created a great revolution in the field of financial services in recent years, so many financial organizations and institutions around the world are now seeking to coordinate and use it. Today, a significant number of start-ups in the field of Regtech have been born in the world that use new technologies such as: data mining,, machine learning, cloud computing, artificial intelligence, block-chain, etc. in this field. In this research, first the scientific concept of Regtech and its history were examined and then the goals, advantages and disadvantages, solutions, opportunities, trends and possible challenges of this important and instructive technology that will be placed in the way of users and financial market participants, was studied. In the present study, using the method of systematic review of theoretical foundations, 25 selected scientific research papers in the field of Regtech were collected and analyzed. Regtech solutions use new innovative and advanced technology methods such as machine learning, robotics, artificial intelligence, data mining, blockchain, application programming interfaces, cloud computing, service-oriented architecture and visualization solutions that can be faster, more accurate and less expensive in Regulatory. machine learning, robotics, artificial intelligence, data mining, blockchain, application programming interfaces, cloud computing, service-oriented architecture and visualization solutions that can be faster, more accurate and less expensive in Regulatory.

کلیدواژه‌ها [English]

  • Regtech
  • Financial services
  • Regulation
  • Regulatory compliance
  • Global trends
  • Systematic review
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Available at SSRN 3560811

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