In recent years, fintech has received much attention due to the introduction of new technologies in banking and electronic payment. For financial service providers to compete in the industries, they should apply the business model as a conceptual framework to improve performance. The current research is exploratory and tries to identify the factors influencing fintech design in electronic payment using the Osterwalder business model. This study aims to integrate three methods named DEMATEL, ISM, and ANP from MCDM techniques. To analyze the identified factors affecting the design of fintech in electronic payment, the indicators were examined in terms of influence and effectiveness by the DEMATEL method, then the levels of influence and effectiveness of the factors were investigated using the interpretive structural modeling method. Finally, the network analysis method was used to prioritize the factors. The findings showed that recognizing and identifying electronic payment customers is the most effective among the factors, and determining the type of relationship with customers is the most impressionable factor. In addition, after ranking the factors, the type of relationship with customers was the first rank, and the criteria of the company's cost structure and revenue streams were determined as the second and third, respectively.

Most of the organizations today look forward to streamlining their business with the rapid needs of the society. However, they do not consider the holistic view of various digital driving factors. The paper aimed to develop a structural framework using the enablers of Digital Transformation (DT) by applying qualitative and rational approaches to develop a conceptual model of DT adoption for various industries. The assimilated approach of Delphi and Interpretive Structural Modelling demonstrated the qualitative data-driven theoretical structure by identifying fourteen enablers of DT and developed a logical model in nine levels. The driving and dependency powers of each enabler were portrayed in MIC MAC analysis. The government regulation and market pressure found as key drivers with strong driving and low dependency powers occupying the lowest level which influences customer demand, behavior and expectations and process, performance improvement of the business. The model demonstrates a deep understanding of global firms to leverage various dimensions while taking transformation decisions in their business process and gain a competitive edge. Further, any organization that looks for adopting digital transformation can consider these factors or models in deciding the implementation process. It recommends researchers to validate the model or may prioritize the factors and sub-factors for multi-criterion based decision making process for unique findings.

In today’s complex and competitive environment, supply function becomes more a strategic differentiator and a core competency. This function is strongly related to relationship between buyer and supplier. In addition, buyer supplier relationships (BSR) have undertaken considerable changes during the last decade. Although previous empirical research has found the importance of identifying factors that influence BSR, the present paper analyses the factors influencing the successful relationship between buyer and seller. Based on the Interpretive Structural Modeling (ISM), the complex interrelationships between the established factors are inspected. Classification of factors has been carried out based on dependence and driving power by using MICMAC analysis. The present study highlights “Innovation and technology” and “Information exchange” as the most significant factors with high influential power for the BSR. This study aims to aid the decision makers (buyer or supplier) in evolving effective business strategies.