providing a secure technology transfer model to assess and manage financial and banking risks based on internet of things

The purpose of this applied research was to provide a risk assessment model for internet of thing based technology transfer in the banking area, and the strauss and corbin method is used to identify the initial model. in the qualitative section, by conducting in-depth interviews with 35 experts in the banking technology industry as well as technology-based banking, the information collected was analyzed in three stages open coding, axial coding, and selective coding. in a small part of the statistical population, experts and managers active in the iranian banking industry, the sample size according to morgan’s table was 386. the results of structural equations and exploratory analysis showed that all relationships between causal factors and the main phenomenon, interfering factors and the main phenomenon the underlying factors and the main phenomenon, the main phenomenon and the strategy, and finally the relationship between the strategy and the results are evaluated in a high to medium level and in a positive and direct way.