Designing a Dynamic Model of Banking Services Sustainable Supply Chain Management Using System Dynamics (Case Study: Mehr Iran Bank)

الموضوعات :

Mitra Khoshnevis ¹ ( Ph.D. student of Industrial Management, Department of Industrial Management, Science and research branch, Islamic Azad University, Tehran, Iran )
Farshad Faezy Razi ² ( Department of Industrial Management , Semnan branch , Islamic Azad University, Semnan , Iran. )
kiamars Fathi Hafshejani ³ ( Department of Industrial Management, South Tehran branch, Islamic Azad University, Tehran, Iran )

تاريخ الإرسال : 10 الإثنين , ربيع الثاني, 1443 تاريخ التأكيد : 26 الثلاثاء , جمادى الأولى, 1444 تاريخ الإصدار : 05 الخميس , صفر, 1444

الکلمات المفتاحية: System Dynamics, Sustainable supply chain management, Banking Services Supply Chain, Mehr Iran Bank,

ملخص المقالة :

Many service provider organizations have begun redesigning their strategies with a sustainable development approach. On their path toward providing sustainable banking services, banks are focused on redesigning banking services supply chain strategies. Nevertheless, banking services supply chain sustainability policy-making has received less inclusive, holistic and systemic attention. This study modeled and simulated banking services sustainable supply chain management using system dynamics approach in order to identify complexities and propose banking system sustainability policies. To this end, a banking service supply chain dynamic model was designed using data from Mehr Iran Bank, and after validation, simulation was conducted over a 10-year horizon. Considering the behavior of the variables and the sensitivity analysis of the model, some policies were identified in line with banking services supply chain sustainability, including economic, social, and environmental sustainability. Given the findings of the model simulation, the selected integrative policies were as follows: 1. Managing bank expenses through providing organizational agility; 2. Increasing efficiency of customer validation process and bank loan services monitoring; 3. Increasing commission incomes on banking services by allocating resources to development of electronic banking infrastructure; 4. Fulfilling employee empowerment and training programs; 5. Balancing the number of employees based on per capita payroll in a branch; 6. Increasing electronic services in order to improve accessibility to the bank; 7. Properly locating branches and ATMs; and 8. Raising customer awareness and promoting electronic services.

المصادر:

[1] Mansouri S, Azar A. Configuration of Service Supply Chain in the Iranian Banking Industry Using an Agent- Based Framework. 3. 2018; 1 (1):1-28.

[2] Kazazi, A., Azar, A., Zangooinezhad, A. (2010). An algorithm for measuring the service capability of supply chain with a fuzzy MCDM approach, Management Researches in Iran, 149-172.

[3] GRI. Sustainability Reporting Guidelines. The Netherlands: Global Reporting Initiative; (2011).

[4] Song, M., Cui, X., Wang, Sh., 2019, Simulation of land green supply chain based on system dynamics and policy optimization , International Journal of Production Economics, Vol. 217, pp. 317-327.

[5] Mohaghar A, Abbasi H. Designing and Explaining the Sustainability Model for Banking Supply Chain (A Case Study of Mellat Bank). IQBQ. 2019; 23 (3):53-73. URL: http://mri.modares.ac.ir/article-19-28759-fa.html

[6] Paiva, B. M., Ferreira, F. A., Carayannis, E. G., Zopounidis, C., Ferreira, J. J., Pereira, L. F., & Dias, P. J. (2020). Strategizing sustainability in the banking industry using fuzzy cognitive maps and system dynamics. International Journal of Sustainable Development & World Ecology, 1-16.

[7] Divandari, A. (2016). Exploring a Model for Selecting Marketing Strategies in Commercial Banking Based on Customer Equity. Journal of BusinessManagement, 8(1), 25.
[8] Zhang, Y., & Li, L. (2009). Study on balanced scorecard of commercial bank in performance management system. In Proceedings. The 2009 International Symposium on Web Information Systems and Applications (WISA 2009) (p. 206). Academy Publisher.
[9] Sadeghi moghadam, M., Karimi, T., Sahar, b (2018). Service supply chain Risk Assessment Applying Rough Set Theory Approach: Case of Payment Service Providers.Management Researches in Iran
[10] Giannakis, M., & Papadopoulos, T. (2016). Supply chain sustainability: A risk management approach. International Journal of Production Economics, 171, 455-470.
[11] Yip, A. W., & Bocken, N. M. (2018). Sustainable business model archetypes for the banking industry. Journal of Cleaner Production, 174, 150-169.
[12] Ecer, F., & Pamucar, D. (2022). A novel LOPCOW-DOBI multi-criteria sustainability performance assessment methodology: An application in developing country banking sector. Omega, 102690.
[13] Galletta, S., Mazzù, S., Naciti, V., & Vermiglio, C. (2022). Gender diversity and sustainability performance in the banking industry. Corporate Social Responsibility and Environmental Management, 29(1), 161-174.
[14] Muhammad, R., & Nugraheni, P. (2022). Sustainability of Islamic Banking Human Resources Through the Formulation of an Islamic Accounting Curriculum for Higher Education: Indonesian Perspective. SAGE Open, 12(1), 21582440221079838.
[15] Grinko, E. L. (2019). Evaluation of Sustainable Supply Chain Strategy of Bank Deposits in Russia and EU Countries in Crisis Conditions. International Journal of Supply Chain Management, 8(4), 870.
[16] Pakurár, M., Haddad, H., Nagy, J., Popp, J., & Oláh, J. (2019). The impact of supply chain integration and internal control on financial performance in the Jordanian banking sector. Sustainability, 11(5), 1248.
[17] Cao, E., Du, L., & Ruan, J. (2019). Financing preferences and performance for an emission-dependent supply chain: Supplier vs. bank. International Journal of Production Economics, 208, 383-399.
[18] Nizam, E., Ng, A., Dewandaru, G., Nagayev, R., & Nkoba, M. A. (2019). The impact of social and environmental sustainability on financial performance: A global analysis of the banking sector. Journal of Multinational Financial Management, 49, 35-53.
[19] Pruyt, E., & Hamarat, C. (2010, March). The concerted run on the DSB bank: An exploratory system dynamics approach. In Proceedings of the 28th International Conference of the System Dynamics Society (pp. 1-27).
[20] Hussien, M. I., & Aziz, R. A. E. (2017). System Dynamics Modeling and Simulation for E-Banking: The Egyptian Context. IBIMA Business Review, 2017.
[21] Nakazato, N., & Kohda, Y. (2019, July). Analysis of Management Behavior in the Japanese Banking Industry Using System Dynamics. In 2019 16th International Conference on Service Systems and Service Management (ICSSSM) (pp. 1-6). IEEE.
[22] Tohidi, H., Jabbari, M.M., (2012). “Decision role in management to increase effectiveness of an organization”. Procedia-social and behavioral sciences, 32: 825-828. https://doi.org/10.1016/j.sbspro.2011.12.149
[23] Ardalan, N., Mirzaie, S., Sepahi, A. A., & Khavari-Nejad, R. A. (2018). Novel mutant of Escherichia coli asparaginase II to reduction of the glutaminase activity in treatment of acute lymphocytic leukemia by molecular dynamics simulations and QM-MM studies. Medical hypotheses, 112, 7-17.
[24] Fatone, L., & Mariani, F. (2019). An assets-liabilities dynamical model of banking system and systemic risk governance. Xiv preprint arXiv1905.12431.
[25] Mahdi Bastan, Sareh Akbarpour, Alimohammad Ahmadvand, (2019). Profitability Paradox in Iranian Commercial Banks Business Model: A Study Based on System Dynamics Methodology, Monetary and Financial Economics, 26(17), 197-242. magiran.com/p2063557
[26] Jabbari, M.M. & Tohidi, H. (2012). CRM in Organizational Structure Design, Procedia Technology, 1, 579-582,
https://doi.org/10.1016/j.protcy.2012.02.126.
[27] Jabbari, M.M. & Tohidi, H. (2012). The Necessity of Using CRM, Procedia Technology, 1, 514-516, https://doi.org/10.1016/j.protcy.2012.02.110.
[28] Paiva, B. M., Ferreira, F. A., Carayannis, E. G., Zopounidis, C., Ferreira, J. J., Pereira, L. F., & Dias, P. J. (2020). Strategizing sustainability in the banking industry using fuzzy cognitive maps and system dynamics. International Journal of Sustainable Development & World Ecology, 1-16.
[29] Sterman, J. (2000). Business Dynamics: systems thinking and modeling for a complex world, McGraw-Hill, Boston.