کوثر نومیری

The aim of the current research is to identify and prioritize the income models of start-up businesses in the field of financial technology in Iran. The research method is applied and descriptive, and the statistical population includes experts of start-up businesses in the field of financial technology in Iran. After a comprehensive review of the literature on the subject, we arrived at a table as the theoretical basis of the research, and after semi-structured interviews with experts as a sample size, with the help of qualitative analysis and the use of Max Kyuda software, ۲۴ income models were identified. These ۲۴ models are: fee, performance-based contract, exchange, mining, money deposit, cashflow, subscription, central bank income model, utility token, arbitrage, profit from loan, package, freemium, razor and self-shaving. Crowdsourcing, cooperation with other businesses, brick and click, advertising, customer introduction, consulting, rental, sales, property management and brokerage. These ۲۴ models were grouped into ۱۱ general categories based on the research literature, which include: fee per operation, financial reporting, sleeping money, interest income, fixed rate, sales or API connection, redundancy, model new services, mediating and performing work, advertising and receiving investment consulting fees or insurance consulting fees. After examining the income models, he asked the experts to choose three priority income models based on the conditions of our country, Iran, and a total of ۸ income models were selected. These ۸ models are: cash flow, money deposition, cooperation with other businesses, fee, performance-based contract, consulting, sharing and central bank income model. By designing a questionnaire according to the AHP method and with the help of ۱۰ other experts in the financial technology industry, these ۸ income models were prioritized, the fee has been assigned the first rank. The next ranks are assigned to subscription, cash flow, deposition, contract, collaboration, consultation and central bank. It should be noted that ۱۰ new income models were identified by the researcher in this study, which were not investigated and identified in previous studies, these ۱۰ models are in ۱۱ categories of money, interest income, fixed rate, sales or API connection, redundancy , mediation and execution of work, advertising, receiving capital consulting fee or insurance consultation fee, receiving commission for each operation and new models were placed, including: central bank income model, utility token, arbitrage, exchange, mining, brick and Click, customer introduction, rental, cashflow, razor and self-shaving. It should be noted that a new category was added to the income models of start-up businesses in the field of financial technology during the conducted investigations, which was not seen in previous researches. In this category, there are ۱۰ income models of exchange, mining, customer introduction, razor and self-shaving, arbitrage, utility token, central bank income model, cash flow, rental and brick and click. After prioritizing the income models of start-up businesses in the field of financial technology, based on the qualitative information obtained from interviews with experts in the field of financial technology, we investigated the typology of fees as a corner of the innovation of this image. to give The most important type of fee was identified through interviews with experts, the most important type of fee is due to the combination of the type of activity resulting from the fee and the fee payer. These typologies were presented in ۶ categories. These categories are: the fee from financial services in PTCs, which is received from the final consumer, the fee from financial services in PTCs, which is received from the payment gateway acceptor in PTCs, the fee due to International money transfer in remittance, which is received from both sides, the recipient and the final consumer, the fee due to the exchange and investment in cryptocurrencies which is received from the final consumer, the fee for measuring the risk of cryptocurrencies in Regteks, which is from The final consumer is received and the shopperkey fee is paid to the acceptor by the shopperk. Shoprak payment network pays an amount to the acceptor or PTech company that provides financial services for each bank transaction. Keywords: revenue models, start-up businesses, financial technology