Identifying The Key Elements Of Lend Tech In Iran's Banking System

Document Type : Original Article


1 PhD student of financial Engineering Department of Accounting and Management,Roudehen Branch, Islamic Azad University , Roudehen , Iran.

2 Assistant Professor of Accounting, Department of Accounting and management, Roudehen Branch, Islamic Azad University, Roudehen , Iran

3 Assistant Professor of Economical science, Islamic Azad University, Roudehen Branch, Tehran, Iran

4 Assistant Professor of Accounting, Department of Accounting and management, Roudehen Branch, Islamic Azad University, Roudehen , Iran.


This article has a special focus on the effective factors of Lend Tech in the banking system of Iran and its purpose is to identify the factors of Lend Tech in order to improve the lending process and reduce credit risk in banks and financing institutions. It is exploratory which has provided a comprehensive framework of the key elements of the digital lending model (Lend Tech) in the banking system at the level of Iran as an Islamic country. In this research in order to determine the key elements of the digital lending platform (Lend Tech), the research literature was reviewed using the content analysis method; Then the elements The key to the digital lending platform in two levels of concepts and factors Keys were classified. Finally In order to ensure the confirmation of these cases, the Delphi method was used to examine the opinions of experts and specialists in the financial field. The results of the research provide a list of four key concepts Identifying regulations related to digital lending in banks and financial and credit institutions, identifying internal ecosystem institutions, Identification of foreign eco - system institutions, Identifying the components of the interface system (partner) and 16 key factors It ended up that All of them were approved by experts and experts in this profession. This framework can be defined the variables that are carried out in the future research, referring to the valid literature in the field Digital lending Help in the internal field.


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