1. Lee, T.H. and Kim, H.W. )2015(. An Exploratory Study on Fintech Industry in Korea: Crowdfunding Case. 2nd International conference on Innovative Engineering Technologies (ICIET'2015) August, pp. 7-8, 2015 Bangkok (Thailand). 2. Lumb, R. (2016). Fintech: If You Can't Beat Them, Join Them, Euromoney Institutional Investor 3. Rometty, G. (2016). How Blockchain Will Change Your Life. Wall Street Journal. Online Edition, p. 1. 4. Smale w.(2014). The man chnging the word of remittances .BBC News. Available :http://www.bbc.com/news/business-30192220.Accessed 10Noveber2016. 5. Icar.A.( 2016). Traditional banks and Fintech firms: new collaboration models. Available: https://www.icarvision.com/en/traditional-banks-and-fintech-firms--new-collaborationmodels& sa=D&ust=1479110641310000&usg=AFQjCNHmKyykxbwbZOZWWIWGdIlarVPb5g. Accessed 14 November 2016. 6. Skan, J., Dickerson, J., and Masood, S. (2015). The Future of Fintech and Banking: Digitally Disrupted or Reimagined?. Accenture Financial Services 7. Dunkley, E.( 2016). Fintech start-ups put banks under pressure. The Financial Times Limited. 8. Wilding, I. (2016). Three key steps banks must take to react to Fintech innovation. Available:http://www.itproportal.com =.Accessed 14 November 2016 9. رهنمون پیروج، طیبه،(1396) "ظرفیتهای صنعت فین تک در تامین مالی کسب وکارهای کوچک و متوسط"، تحولات جهانی صنعت ،معدن وتجارت، موسسه مطالعات و پژوهش های بازرگانی ، مرداد، شماره50،ص1-2. 10. شیخ علیشاهی، محمد،(1396)."تحولات حوزه فین تک و آثار آن بر اقتصاد ایران"، تحولات جهانی صنعت ،معدن وتجارت، موسسه مطالعات و پژوهش های بازرگانی ، مرداد، شماره50،ص3-4. 11. Salmony, M. (2014). Access to accounts: Why banks should embrace an open future. Journal of payments strategy & systems, Vol. 8, Issue 2, pp. 169-170. 12. Gonzalez, A. G. (2004). PayPal: the legal status of c2c payment systems. Computer law & security review,Vol. 20, Issue 7, pp. 293–299. 13. Maurya, A. (2012). Running Lean: Iterate from Plan A to a Plan ThatWorks, http://www.google.hr/books?hl=hr&lr=&id=j4hXPn233UYC. Accessed 20 April 2013. 14. Schüffel, P.(2016). Taming the Beast: A Scientific Definition of Fintech. Journal of Innovation Management, pp. 32-54. 15. Maier, E (2016).'Supply and demand on crowdlending platforms: connecting small and medium-sized enterprise borrowers and consumer investors', Journal of Retailing and Consumer Services, vol. 33, pp. 143-53. 16. Kawai, Y. (2016). Fintech and the IAIS. IAIS Newsletter. 17. wala,Gulamhusein I, Bull, T & Lewis, S.( 2015).FinTech is Gaining Traction and Young, High-income Users are the Early Adopters', The Journal of Financial Perspective: Fintech, vol. 3, no. 3, p. 16. 18. A. Castiglione, R. Pizzolante, A. De Santis, B. Carpentieri and F. Palmieri.(2015).Cloud-based adaptive compression and secure management services for 3D healthcare data. Future Generation Computer Systems, 43: , pp. 120–134, 2015. 19. S. Wen, W. Zhou, J. Zhang, Y. Xiang, W. Zhou, and W. Jia(2013). Modeling propagation dynamics of social network worms. IEEE Transactions on parallel and distributed systems, 24(8):1633–1643, 2013. 20. Y. Zhang, R. Yu, S. Xie, W. Yao, Y. Xiao, and M. Guizani(2011). Home M2M networks: architectures, standards, and QoS improvement. IEEE Communications Magazine, 49(4): , pp. 44–52, 2011. 21. H. Yin and K. Gai.(2015) An empirical study on preprocessing highdimensional class-imbalanced data for classification. In The IEEE International Symposium on Big Data Security on Cloud, pp. 1314–1319,New York, USA. 22. Hileman, G. (2016, January 28). State of Bitcoin and Blockchain 2016: Blockchain Hits Critical Mass. Retrieved site://www.coindesk.com/state-of-bitcoin-blockchain-2016. 23. M.Qiu, D. Cao, H. Su, and K. Gai. Data transfer minimization for financial derivative pricing using Monte Carlo simulation with GPU in 5G. International Journal of Communication Systems, 11(16): , pp. 2364–2374, 2015. 24. K. Gai, M. Qiu, X. Sun, and H. Zhao(2016(. Security and privacy issues:A survey on fintech. In The IEEE International Conference on Smart Computing and Communication, pages 236–247, Shenzhen, China, 2016. 25. Mirani, R., Moore, D. and Weber, J.A. (2001). Emerging Technologies for EnhancingSupplier–Reseller Partnerships. Industrial Marketing Management, 30, pp. 101-114. 26. Rackham, N., Friedman, L., and Richard, R. (1995). Getting partnering right: How marketleaders are creating long-term competitive advantage. NY: McGraw-Hill. 27. Wilson, D. T. (1995). An Integrated Model of Buyer-Seller Relationships. Journal of theAcademy of Marketing Science, 23 (4) , pp. 335-45. 28. Marchetti, M (1999). Peace offering. Sales and Marketing Management, Sept, 58-64. 29. Shoemaker, M., E. (2011). A framework for examining IT-enabled market relationships.The Journal of Personal Selling & Sales Management, 21 (2) , pp. 177-185. 30. Mitchell, Tom (2001). Cisco Resellers Add Value. Industrial Marketing Management, 30(2) , pp. 115-118. 31. اسفیدانی ،محمد رحیم و کیماسی ، مسعود و روستا ، احمد و اراکی تبار،محمد (1397) ،شناسایی الگوی رفتار مشتریان شرکتی و ارتباط آن با استراتژیهای بانکداری شرکتی در صنعت بانکداری ایران ، دو فصلنامه علمی – پژوهشی راهبردهای بازرگانی/ دانشگاه شاهد/ بهار و تابستان 97 / سال بیست و پنجم/ دوره جدید شماره 11. 32. Galbreath, T. (2002). Success in the relationship age: Building quality assets for marketvalue creation. The TQM magazine, 14 (1) , pp. 8-24. 33. Geyskens, I., Steenkamp, J. B. and Kumar, N. (1998). Generalizations about trust inmarketing channel relationships using meta-analysis. International Journal of Research in Marketing, 15 (3) , pp. 223-248. 34. Murtaza, M.B. and Shah, J.R. (2004). Managing information for effective businesspartner relationships. Information systems management, 21 (2), 43-52. 35. Suh, E.H., Mun, S. Y, Hong, J.Y. and Kim, S.J. (2005). Rule-based Partner RelationshipManagement (PRM) for collaborative e-business. GESTS International Transactions on Computer Science and Engineering, 19 (2), pp. 49-60. 36. Tribunella, T. and Baroody, J. (2008). 20 Questions on open source accountingsoftware. The CPA Journal, 78 (7), 67-72. 37. Emily Mc. )2015( Growth Strategy Survey,” Bank Director, August 2015, http://www.bankdirector.com/download_file/view_inline/426. 38. In,Lee.(2015). Fintech: Ecosystem and Business Models, Advanced Science and Technology Letters Vol.142 (UNESST 2016), pp.57-62. 39. Jay D. Wilson, Jr.( 2017) .Creating Strategic Value through Financial Technology, Jr. Published by John Wiley & Sons, Inc.(chapter9.pp.133-155). 40. Lee, D., and D. L. K. Chuen.( 2015c). “The rise of Chinese finance: the game of Dian Fu,” presented at the Sim Kee Boon Institute for Financial Economics: Seminar Series, 17 August. 41. In Lee, Yong Jae Shin. (2018) Fintech: Ecosystem, business models, investment decisions, and challenges , ScienceDirect Business Horizons pp 35-46. 42. Kedah, Z.H. (2007). The impact of managing business partners supported by Web-based technologies on inter-organisational relationships : an empirical study from partners' perspective within the ICT industry. (Unpublished Doctoral thesis, City. 43. Romānova,J & Kudinska, M.(2016), Banking and Fintech: A Challenge or Opportunity?, in Simon Grima , Frank Bezzina , Inna Romānova , Ramona RupeikaApoga (ed.) Contemporary Issues in Finance: Current Challenges from Across Europe (Contemporary Studies in Economic and Financial Analysis, Volume 98) Emerald Group Publishing Limited, pp. 21 - 35. 2016 University London). 44. Mwangi Ngumi. P (2013).Effect of bank innovations on financial performance of commercial banks in Kenya, Jomo Kenyatta University of Agriculture and Technology. 45. Can,Erman( 2017( Financial Technologies Effect on Financial Services from an Open Innovation Perspective Industrial Engineering and Management Global Management of Innovation and Technology,April2017. 46. Osemwonyemwen Oshodin, Alemayehu Molla, Stan Karanasios, Chin Eang Ong(2017) Is FinTech a Disruption or a New Eco-system? An Exploratory Investigation of Banks’ Response to FinTech in Australia, Australasian Conference on Information Systems, Hobart, Australia. 47. Benedict J. Drasch, Andr´e Schweizer, Nils Urbacht,(2018) Integrating the ‘Troublemakers’: A Taxonomy for Cooperation between Banks and Fintechs, Journal of Economics and Business-2018 Elsevier Inc 48. قائمی محمدرضا ، دهقان دهنوی محمدعلی ، مرادی نرجس سادات "بررسی وضعیت استارت آپهای بانکی در حوزه خدمات نوین بانکداری (مطالعه موردی سیستم بانکداری ایران )"فصلنامه علمی _ترویجی اقتصاد و بانکداری اسلامی، شماره بیستم ، پاییز1396 - صفحات 139 -119. 49. شفق احد، دزفولی نژاد،لیلا، فرصت ها وتهدیدهای فین تک برای سیستم بانکی ایران ،فصلنامه مطالعات اقتصاد،مدیریت مالی و حسابداری ،دوره3شماره1/2 تابستان1396،صفحات202-210. 50. Strauss, A. L. & Corbin, J. M. (1998 ). Basics of qualitative research: techniques and procedures for developing grounded theory. nd edition. Thousand Oaks, California 51. دانایی فرد، حسن و اسلامی، آذر.(1390)کاربرد استراتژی پژوهشی نظریه داده بنیاد در عمل، ساخت نظریه بی تفاوتی سازمانی، انتشارات دانشگاه امام صادق (ع)، چاپ اول، تهران. 52. استراوس ،انسلم ;کوربین ،جولیت (1391). مبانی پژوهش کیفی : فنون ومراحل تولیدنظریه زمینه زاد. ترجمه ابراهیم افشار،نشر نی ،تهران. 53. دانایی فرد، حسن و امامی ،سید مجتبی. (1386) استراتژیهای پژوهش :کیفی تأملی بر نظریه پردازی داده بنیاد، پاییز و زمستان 1386 ،صص -69 97 _ اندیشه مدیریت، سال اول، شماره دوم. 54. Creswell J.W.(2007). Qualitative inquiry and research design: Choosing among five approaches. 2nd edition, Sage publication, California. 55. بشیری ،مهدی و سداری ،احمد وجنیدی ،مهدی (1389) بررسی اعتماد مشتریان شهر تهران بر پذیرش بانکداری اینترنتی بر پایه مدل (TAM) مطالعه موردی بانک ملت ، دو فصلنامه علمی – پژوهشی راهبردهای بازرگانی/ دانشگاه شاهد/ تیر 89/ سال هفدهم/ دوره جدید/ شماره 41.