Presenting the model of blockchain technology in smart contracts for the banking industry

Document Type : Original Article

Authors
nader eynollahe 1
fatemeh ahmady 2
Rahmatalah Mohammadipour 3
mohammadbaqer arayesh 4
1 PhD student in financial engineering, finance department, Ilam branch, Islamic Azad University, Ilam, Iran
2 Assistant Professor, Department of Accounting, Ilam Branch, Islamic Azad University, Ilam, Iran
3 Assistant Professor of Accounting Department, Ilam Branch, Islamic Azad University, Ilam, Iran
4 Assistant Professor, Department of Management, Ilam Branch, Islamic Azad University, Ilam, Iran
10.30495/jik.0621.23464
Abstract
During recent years, about Blockchain and its applications in various fields, it has been developed and led to the creation of diverse and scattered knowledge in this field. Blockchain technology is a form of organization and service that has been created in recent years and by creating a new valid system, it encrypts and exchanges all kinds of data. concluded and they benefit from digital cryptocurrencies (Bitcoin). The conclusion of these contracts must be in accordance with the requirements of concluding traditional contracts and the lack of conclusion of those contracts. These contracts are concluded in writing and signed using cryptographic technology and offered on the blockchain platform. Considering the importance of blockchain technology and smart contracts, the purpose of this research is to provide a model of using blockchain technology in smart contracts for the banking industry. T MAXQDA software was used for data analysis. The results obtained indicate that it is powerful, safe and secure Accuracy and clarity, increasing efficiency of exchanges, free access and speed in transactions. Based on the collected data, it has been determined that the security and safe exchange of information is the most important reason for using blockchain in smart contracts. Increasing the efficiency of exchanges has been the second most important in these interviews. And accuracy and clarity, free access and The speed of transactions has the following ranks in order.
Keywords
blockchain
smart contracts
electronic commerce
electronic banking industry
-البرز ،امیر رضا ؛احمدی شریف،محمود و هاشمی،محمود(1401)،ارائه الگوی استفاده از فناوری بلاکچین در تجارت بین الملل (مشتقات نفتی).اقتصاد و توسعه منطقه ای،سال بیست و نهم ،دوره جدید شماره 1،پیاپی 23.
-اوشیلدز ،رجی(1398)،ترجمه مهدی ناصر و حسین صادقی ،قرار دادها یهوشمند :توافقلت حقوقی در پرتوبلاک چین ،مجله پژوهش های حقوقی (فصلنامه علمی –ترویجی)شماره 37.
-جوزدانی،مریم ؛مظفری،سعید(1398)،پذیرش بلاک چین به عنوان یک ضرورت در تجارت الکترونیک،فصلنامه رویکردهای پژوهش نوین در مدیریت حسابداری ،سال سوم،شماره 16.
-زندی،امیر ؛ مران جوری،مهدی؛امیری،مقصود و تقی پوریان ،یوسف(1400)،ارائه مدلی از موثرترین هوامل پیش برنده بلاک چین در توسعه کسب و کار،مجله مدیریت توسعه و تحول.
-شرج شریفی،آزیتا و میر فلاح،راحله(1400)،تاثیر بلاک چین بر قابلیت یکپارچگی زنجیره تامین :با میانجی گری قابلیت فناوری اطلاعات،فصلنامه پژوهش های معاصر در علوم مدیریت و حسابداری ،سال سوم،شماره 10.
-عبدالسعید دهقانی(1398)،تجارت الکترونیک،فصنامه بانک صادرات ایران،
-فیاض بخش،اکرم(1400)،دستاوردی به نام بلاک چین،فصلنامه رویکردهای پژوهشی نوین در مدیریت و حسابداری،سال پنجم،شماره 60.
-معاونت پژوهش های زیربنایی و امور تولیدی دفتر مطالعات ارتباطات و فناوری های نوین ،،مجله شورای اسلامی ،مرکز پژوهش ها. ( 1393)، بیتکوین ابزاری نوین در نظام پرداختهای الکترونیک
شماره 53
 
-Dabarta Ghosh & Albert Tan W.K,(2018).Framework for Implementing Blockchain Technologies to Improve Suppy Chain Performance,MITGlobal
-https://mihanblockchain.com/what-is-blockchain.  
-https://zimapay.com.
-Sarathi, Partha; Saha, Anish Kumar; Ara Begum, Shahin (2012), The application of E-commerce in Business Application.    
-Sichang Xuan,Li Zhang,LLyong Chung ,Wei Wanag,Dapeng Man,Xiajiang Du(2020),An incentive mechanism for data sharing based on blockchain with smart contracts,Computer & Electrical Engineering. 
-Tapscott ,Don;Tapscott ,Alex(2016),How the Technology Behind BITCOIN and Other CRYPTOCURRENCIES is Changing the World.
-Mougayar,William(),TheBusiness BLOCKCHAI,Promise,Practice,and application of the next Internet technology.