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Fintech and its entrepreneurial opportunities have the ability to play an effective role in the development of the financial industry. Therefore, it is necessary to make a correct and effective policy in this area to identify its probable future. This study is exploratory in terms of purpose and practical in terms of orientation. Interviews and questionnaires were used to collect data. 28 drivers were extracted by reviewing the background and interviewing experts. In order to screen the propellants, expert questionnaire and fuzzy Delphi method were used. Then the propellants screened were ranked through the priority assessment questionnaire and the developed COPRAS technique. The two drivers of the development of smart contracts in the financial industry and the tendency of financial institutions towards open innovation had the highest priority and were used to write research scenarios. Based on these two drivers, 4 scenarios of the era of pristine opportunities, the era of conservative managers, the era of dilapidated infrastructure and the ice age were developed. Then, using the MABAC technique, the scenario of the age of dilapidated infrastructures was selected as the possible scenario of the research. Research proposals were proposed based on priority drivers and possible scenarios. Government support, providing sufficient funds in order to create the necessary infrastructure for the development of smart contracts by banks or establishing a cooperative relationship between banks and financial institutions, fair legislation, development of regtechs, creating compatibility between current systems with new technologies were the most important practical proposals of the study.

Introduction: Environmental disasters, stakeholder pressure, and global trends have caused the discussion of new energies and businesses in this field to be the focus of researchers. In Iran, the issue of sanctions, dependence of industries on fossil fuels and the traditional mentality of managers has restricted growth and development of clean energy. Development in this field requires a correct understanding of the future and fundamental planning. Without paying attention to financing, which is one of the most important challenges for the development of any business, it will not be possible to continue the activity. Therefore, the current research identified drivers and investment scenarios in the field of clean energy.Materials and Methods: The current research is pragmatic in terms of philosophy and applied in terms of orientation. Also, this study is exploratory in terms of objective and mixed in terms of methodology. The statistical population of the research were experts in the field of clean energy and financing. Using judgmental sampling, 15 managers working in Iran Renewable Energy Association, Iran Energy Association, Environmental Protection Organization and university professors in the relevant fields have been used. The research has been done in five steps. In the first step, key drivers were identified through background review and interviews with experts. In the second step, the drivers were screened through an expert questionnaire and using the fuzzy Delphi method. In the third step, the screened propellants were analyzed through the effect measurement questionnaire and using the fuzzy Dimetal method, and the final propellants were identified based on the degree of effectiveness. In the fourth step, believable scenarios were developed using CATWOE. The probable scenario was identified with CODAS technique.Results: By reviewing the background and interviewing experts, 24 drivers were extracted. Using the fuzzy Delphi method, 12 drivers whose diphasis number was higher than the threshold (0.7) were selected. Then, with the Fuzzy Dimetal technique, the two drivers of the laws related to the energy field and the government's view on the need to enter the field of clean energy were identified and evaluated as suitable for the development of scenarios. Based on these two drivers, four scenarios of soul prison, auspicious, Anti-innovation culture, and poisonous structure were developed. The soul prison scenario depicts the pessimistic future and the auspicious scenario shows the best scenario. Then, using CODAS technique, the soul prison scenario was selected as the most probable scenario.Discussion: Policy makers should try to make Karmiar's ideal scenario happen instead of realizing the soul prison scenario, which happens to be the worst scenario. For this purpose, laws and policies should be established to improve the business environment in the field of clean energy. Such laws should remove obstacles to attract foreign capital while increasing domestic capital. These laws should enable the transfer of advanced technologies through fiscal and financial support. The view of government officials on the need to enter into clean energy as the second most important driver has cultural roots and originates from managers' ignorance of clean energy and its advantages in the business environment. For this reason, universities, research centers, social media, non-governmental organizations supporting the environment, global and regional developments and environmental disasters play an important role in changing this attitude. In Iran, because managers are forced to accept change at the last moment, change is sudden and has increasing costs. It is hard to expect change without doing inclusive and spontaneous cultural work. Cultivation plays an important role in favoring green products. In addition, changing the attitude of managers can lead to the facilitation of financing as a key challenge in the field of clean energy.

This research has been done with the aim of developing Iran's banking scenarios with an emphasis on big data. The current research is practical in terms of orientation and exploratory in terms of the goal. It is also mixed in terms of its philosophical, pragmatic and methodological foundations. To carry out the research in the first stage, 20 key drivers of the research were extracted through literature review and interviews with banking and technology experts. After screening with the fuzzy Delphi method, 8 factors were removed and the rest were evaluated with the Marcus decision making technique. The findings of the research show that the two factors of "technology regulation" and "technology transfer costs" were chosen as key uncertainties for developing research scenarios. Based on these two key uncertainties, four scenarios were developed based on interviews with the focus group with the titles of comprehensive banking, static banking, searching banking, wandering banking. In the comprehensive banking scenario, everything is in its optimal state; Technology transfer costs have decreased and regulators are supportive of the technologies. According to the findings of the research, considering drivers, key uncertainties and alternative scenarios by managers and decision makers can improve the performance and increase the competitive advantage of banks.

The cement industry is one of the strategic and important industrial sectors in the country in terms of meeting the needs of areas such as housing, The current research seeks to identify the future scenarios of this industry in the medium term. This research has a pragmatic approach from the point of view of orientation, practical and from the point of view of paradigm foundation. The theoretical community of the research is cement industry experts who were selected by judgmental sampling method. In the first step, common and specific drivers were identified through background review and interviews with industry experts. Then, by applying the theoretical sieve and inference-oriented, the final propellants were selected. Next, the remaining propellants were analyzed with DEMATEl technique. The two driving forces of pricing and market demand were considered for the formation of scenarios with regard to the highest net effect, and the test approach and selection of individual Strategic Assumption Surfacing and Testing were used to develop the scenarios. The suggested scenarios of the research are: the scenario of trying to survive, the scenario of healing the wound, the scenario of the developing world, and the scenario of dying. Finally, to determine the possible scenario, the Ordinal Priority Approach technique was used, and it was determined that the salve on the wound scenario is the most likely scenario. Schopenhauer's approach was used to present research proposals. In this way, the possible and pessimistic scenario sharing funds became the basis of the proposal.

Objective: The present study seeks to identify the future of project-oriented organizations active in the financial services industry via the Scenario Planning Approach. Methods: The present study is pragmatic in terms of philosophical foundations, applied in terms of orientation, and a survey in terms of data collection. Regarding the use of qualitative and quantitative methods, it has a mixed methodology. In this study, the Binomial statistical test was used to screen key drivers, modified fuzzy VIKOR method was applied for Key driver analysis, CATWOE was used to map research scenarios, and SECA technique was applied to determine probable Scenarios. Results: In this study, 25 drivers were obtained through reviewing the literature and conducting interviews with experts. These factors were screened using the Binominal test. In this step, 17 drivers had a significance coefficient, i.e. above five percent, and were removed from the analysis. The remaining eight drivers were examined using modified fuzzy VIKOR. The two drivers i.e. the legal environment of the financial services industry and the type of interaction of traditional financial institutions with fintech had the highest priority. Based on these two drivers, the four scenarios of Dreamland, Paranoia Age, Baseless World, and Ice Age were developed for the future of project-based organizations in the financial services industry. Each driver had two opposite modes. Four scenarios were constructed from a combination of different situations of research drivers. Finally, using the SECA technique, the Baseless World scenario was selected as the most probable one. Also in this study, the scenarios of the Dreamland and the Ice Age were optimistic and pessimistic scenarios, respectively. The probable scenario was an interstitial one between two optimistic and pessimistic scenarios. Conclusion: Finally, the research proposals were developed based on the most probable and worst scenario with a negative dialectical approach. The common denominator between the two scenarios (probable and pessimistic) was the dispersion of rules and standards in the financial services industry. Therefore, research proposals were developed around legislation and regulation in Fintech and the financial services industry.