Optimizing open banking in the age of digital transformation by the metaheuristic algorithms of the Firefly &FMO
- سال انتشار: 1403
- محل انتشار: مجله بین المللی مالی و حسابداری مدیریت، دوره: 9، شماره: 32
- کد COI اختصاصی: JR_IJFMA-9-32_008
- زبان مقاله: انگلیسی
- تعداد مشاهده: 352
نویسندگان
Ph.D. Candidate in Information Technology Management, Faculty of Management and Economics, Islamic Azad University, Science and Research Branch.
Department of Information Technology Management, Faculty of Management and Economics, Islamic Azad University, Science and Research Branch ,Tehran, Iran
Faculty of Management and Economic, Islamic Azad University, Science & Research Branch, Tehran, Iran
Assistant Professor, Department of Industrial Management, Faculty of Management and Economics, Islamic Azad University, Karaj Branch
چکیده
The digital world has disrupted entire sectors, such as publishing, media recording, commerce, and manufacturing, among others. The financial services sector is not being spared.“Digital transformation” has been on the agenda of many executives and board rooms for quite a long time. But beyond the buzzword, it is often not clear what “digital transformation” means. Financial services have often interpreted “digital transformation” only as a means to provide access to some products via digital channels, online or mobile, or, alternatively, as a pure cost reduction initiative. Digital transformation is much more than that: it is an entire change in the company’s business model.It involves putting the customer at the center and using digital platforms to build a new business and operating model around that, using both own or external products and services. In today's age, open banking and the use of APIs is one of the ways to enter the digital transformation into the banking industry.Therefore, in this article, after the introduction of open banking, two scenarios have been presented for the optimality of the open banking model by metaheuristic algorithms according to their similarity to the ecosystem of the banking industry, and finally, after examining the results of testing on the data It was concluded that the best platform is to use the second scenario based on the FMO algorithm in the design of open banking platforms.کلیدواژه ها
Keywords: digital transformation, open banking, metaheuristic algorithms, Firefly algorithm, FMO algorithmاطلاعات بیشتر در مورد COI
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