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Open Access Article
1 - Presenting a Model for Contributing Factors to Fin Tech Implementation in the Banking System of a Country Using a Blended Approach
Farideh Mohammadi Roya Darabi Hossein BadieiObjectives: This paper aims to identify and present a model for the contributing factors to FinTech implementation in the country's banking system using a blended approach. Design/methodology/approach: The scholar initially analyzed 30 specialists in the banking syste MoreObjectives: This paper aims to identify and present a model for the contributing factors to FinTech implementation in the country's banking system using a blended approach. Design/methodology/approach: The scholar initially analyzed 30 specialists in the banking system in various stages in the qualitative section using a mixed approach. Secondly, in the quantitative section, the efficacy of variables was evaluated by distributing a questionnaire among 267 employees of Bank Refah Kargaran. This was conducted using Smart PLS Software and a structural equation approach. Results: The results indicate that factors such as "economic governance of the state," "culture building and training," "structural preparation," "banking system transparency," and "facilities and incentives" can impact the implementation of FinTech in the banking system. Additionally, quantitative analysis in the next phase demonstrates that all research constructs, presented as five hypotheses, play a direct role in influencing FinTech implementation in the financial system. Originality/value: As traditional banking around the world is transitioning into digital evolution, this paper focuses on one of the significant events in digital banking: FinTech. Despite the importance of FinTech, there have been few studies on its implementation. Manuscript profile -
Open Access Article
2 - Face Detection based on Semantic Model for Mobile Banking
leili nosrati Amir Massoud Bidgoli hamid hajseiedjavadiIn this paper, a new authentication protocol for online banking based on the semantic model of features extracted from people's image is introduced. The proposed approach is presented using smart mobile phones for online digital imaging for customers. In this work, a fu MoreIn this paper, a new authentication protocol for online banking based on the semantic model of features extracted from people's image is introduced. The proposed approach is presented using smart mobile phones for online digital imaging for customers. In this work, a fuzzy clustering has been used to categorize the characteristics of the images of different people and by applying them to different machine learning methods, a combined technique of machine learning classification methods has been presented to improve performance and increases strength against various attacks. Also to reduce the complexity of machine design for operational tasks, the technique of reducing features extracted from face images with the help of genetic algorithm has been used. In the last part, in order to make a decision for authentication selected by machine learning systems, a fuzzy logic system is presented based on the highest accuracy of identifying the desired person. Using a public dataset, the experimental results showed that the genetic algorithm-based technique is the best feature selection to create an implicit authentication method for the smartphone environment. The results showed an accuracy of about 99.80% using only 30 features out of 77 to authenticate users. At the same time, the results showed that the proposed method has a lower error rate compared to the related work. Manuscript profile -
Open Access Article
3 - Modeling & Analysis of Future Scenarios in Iranian Banking System
Ali Rezaeian Hamidreza Fartokzadeh Meisam Rajabi Nahouji Nima Lotfi ForoushaniThe present study is a descriptive-analytical study aimed at mapping probable states in the future of the banking system of Iran. In the process of doing this research, at first, eight main actors, including government, parliament, judiciary, central bank, governmental MoreThe present study is a descriptive-analytical study aimed at mapping probable states in the future of the banking system of Iran. In the process of doing this research, at first, eight main actors, including government, parliament, judiciary, central bank, governmental banks, private banks, microcredit customers and large-scale customers of banks, were interviewed. There were two influential actors in creating the future scenarios of the banking system (government and large-scale customers of banks i.e. financial resources applicants). The major options for each decision to create the future were examined. Thereafter, possible options and priorities were determined. At the end, the stability of probable situations were analyzed and different policies for each of the situations were proposed. Manuscript profile -
Open Access Article
4 - Presentation a Model of Factors Affecting Adoption of Electronic Banking Based on Grounded Theory (Case Study: Maskan Bank of IRAN)
Ali Omidi Vahid Reza Mirabi Edris Mahmoudi Mohammad Hossein RanjbarBackground: With the increasing development of the Internet and electronic commerce and their expansion among the people all over of the world, the way of providing bank services for the costumers has been also changed and influenced by the Internet and electronic comme MoreBackground: With the increasing development of the Internet and electronic commerce and their expansion among the people all over of the world, the way of providing bank services for the costumers has been also changed and influenced by the Internet and electronic commerce. Nowadays, physical interactions (face to face) between the customer and the bank staff are so decreased and it is replaced with virtual communications between the customers and the banks. Therefore, traditional banking (referring to the branch and doing all the transactions in person) has been changed to technology-oriented banking. Objective: This research is aimed at identifying a comprehensive pattern for acceptance of electronic banking in Bank Maskan in Iran. Methods: According to the systematic pattern of grounded theory, information technology managers of Bank Maskan in 20 provinces, as experts, were participated in a deep qualitative interview. After encoding the interviews in 3 stages, a model was identified for accepting electronic banking of Bank Maskan. Findings: The results showed that 8 factors are effective as factors influencing the acceptance of electronic banking. Conclusion:.The factors such as: cost saving, perceived conveniences, customers’ needs management, perceived trust, perceived confidence, perceived performance quality, perceived technical complexity, and perceived value.have impact on the acceptance of electronic banking. Manuscript profile -
Open Access Article
5 - Digital banking service scenarios in horizon 1408
azam babki radIn the present study, we have used the Peter Schwartz scenariobulding method to identify digital banking service scenarios. This is done with the help of methods of Thematic Analysis, Analytical matrix of network effects, and uncertainty and narrative. And the scenario MoreIn the present study, we have used the Peter Schwartz scenariobulding method to identify digital banking service scenarios. This is done with the help of methods of Thematic Analysis, Analytical matrix of network effects, and uncertainty and narrative. And the scenario method is used as a workflow connection loop for all of these methods. Identification of “driving forces" and "key factors" was performed using qualitative method, thematic network analysis, and with the help of QSR NVIVO 10 software. As a result of the macro and micro environment scans at the three levels of 'community context', 'business environment' and 'organizational environment', a total of 86 variables (driving forces and key factors) have been identified related to the future of digital banking services. Of the 86 variables obtained in the previous step, 50 variables were designated as the input of the effects network and uncertainties. The Impact network and Uncertainty, which is an analytical matrix, enables the positioning of identified elements in terms of the degree of uncertainty and significance (potential impacts) that are identified as critical uncertainties as a result of 'digital service quality' and 'digital lifestyle'. They affect the future space, and based on these two critical uncertainties, four scenarios have been narrated: technological governance; technological fascination; technological tragedy and technological backwardness, with emphasis on the structure of each scenario. Manuscript profile -
Open Access Article
6 - Providing an Entrepreneurial Banking Model in Bank Sepah with Foundation Data Approach
سمیرا nazifi rohollah samiei samereh shojaee Mahmoud Reza mostaghimiThe present study has been carried out in view of the rapid growth of banking activities in the business environment of the country and contributed to the further development of these activities in the banking industry. The ultimate goal of the research is to provide a MoreThe present study has been carried out in view of the rapid growth of banking activities in the business environment of the country and contributed to the further development of these activities in the banking industry. The ultimate goal of the research is to provide a model for entrepreneurial banking according to our banking system so that it can cover the growing needs of banking. The sampling used in this article was theoretical sampling. After conducting interviews and collecting information, the codes obtained in different sections are analyzed and after the triple stages of open source coding, the axis and the choice of the final model are obtained by the researchers of this paper. The final version of the issue axial scientific terms, conditions meddler, strategies and finally, consequences and results of entrepreneurial banking is formed. Each of these conditions and the factors that make up the model has variables and categories that make them realize the general goals of entrepreneurial banking. Manuscript profile -
Open Access Article
7 - Analytic Scenarios of the Future of Iranian Banking: Combining Capabilities of Knowledge Absorptive Capacity and Corporate Foresight
Mahdi Joneidi Jafari Farhad Darvishi Safar FazliObjective: The purpose of this article is to answer the question: What are future scenarios of the Iranian banking industry by combining the capabilities of knowledge absorptive capacity and corporate foresight? In this article, we have reviewed the future of banking in MoreObjective: The purpose of this article is to answer the question: What are future scenarios of the Iranian banking industry by combining the capabilities of knowledge absorptive capacity and corporate foresight? In this article, we have reviewed the future of banking industry, knowledge absorptive capacity and corporate foresight adopting both process and content (as a capability and ability) approaches; in addition, the components and dimensions of corporate foresight have been investigated from a content perspective. Methods: The research is practical in terms of purpose and cross-sectional in time. Using the tools of library and fuzzy Delphi methods data was collected from academic and industry experts (15 experts) and it was analyzed using Interpretive Structural Modeling (ISM) techniques and the Micmack software. Finding: The results suggest that performance can be enhanced by combining the capabilities of knowledge absorptive capacity and corporate foresight. Finally, by combination of the two capabilities, four possible scenarios, including the desired Ka’aba, the center of calmness, the revelation of magnificence and the wingless ascension, are outlined and analyzed. Manuscript profile -
Open Access Article
8 - Presentation of the model of the influential factors of entrepreneurial banking based on the policy framework
samira nazifi roohalla samiee Samereh Shojaee Mahmoud reza MosraghimiBackground: In recent years, entrepreneurship has become one of the main streams in the field of economics, in which the need for an entrepreneurial policy-making system and its implementation in banking has become one of the most complex issues for managers. Purpose: T MoreBackground: In recent years, entrepreneurship has become one of the main streams in the field of economics, in which the need for an entrepreneurial policy-making system and its implementation in banking has become one of the most complex issues for managers. Purpose: The purpose of this study was to investigate the effect of entrepreneurial banking on the policy-making system in Sepah Bank using mixed method. Methods: The statistical population of the study consisted of 105 managers of Bank Sepah Branches. By stratified random sampling method, 83 people were selected as sample based on Cochran formula. The data gathering tool was a questionnaire whose validity was confirmed by the faculty members and its reliability was confirmed by the combination of reliability and alpha Cronbach. Accordingly, after investigating the literature of the research and making comments on the experts in the field of policy making, effective factors were identified. Results: Data analysis with structural equation modeling was performed using partial least squares method and Smart PLS software. The results of the research indicate that the components of the policy-making system in the bank have a positive and significant effect in terms of entrepreneurship with a coefficient of 0.57. Manuscript profile -
Open Access Article
9 - Integrated banking model of Bank Melli Iran (BMI) based on the customer needs in company, private, minor and commercial dimensions
Davod Abdi Mehdi Moradi Lorens AnviehTekiehThe present study aims to describe the dimensions of comprehensive banking model of Bank Melli Iran based on the customer needs. This research was conducted using the qualitative case study methodology. The target group of this study included 18 experts in banking indus MoreThe present study aims to describe the dimensions of comprehensive banking model of Bank Melli Iran based on the customer needs. This research was conducted using the qualitative case study methodology. The target group of this study included 18 experts in banking industry with the work experience of above 10 years in Bank Melli of Iran in 2018. The qualitative data were analyzed using the thematic analysis method. The comprehensive banking model based on the customer needs was extracted in Bank Melli of Iran based on the results of this study; the purpose of this model was to address challenges in the areas of the financial resources, human resources, processes, and customers; some strategies to achieve this purpose include: making adjustments to the severe monitoring system in the area of banking laws and regulations, the need for diverse levels of funding to secure capital in big banks, using the competitive conditions in banking industry (including the digitalization) as an opportunity, proper use of communication technology to meet the diverse needs of customers. Manuscript profile -
Open Access Article
10 - Barriers of Core Banking System Implementation
Asghar Sarrafizadeh Hamid Reza ShahsavariCore banking system is a fundamental solution for the centralized core of banking business, the main solution to centralize all data and critical processes. So that the changes create new services, responding to customer needs and also provides the necessary MoreCore banking system is a fundamental solution for the centralized core of banking business, the main solution to centralize all data and critical processes. So that the changes create new services, responding to customer needs and also provides the necessary information to better manage organization in less time and with most Accuracy. But, implementation and deployment in bank faces with serious challenges. This Thesis also outlines the dimensions and angles of the banking system, establish Obstacles of this system in Sepah Bank were discussed. the main obstacles classified to four financial, technological, social / cultural and managerial. And the effectiveness of each system was investigated. this research done at the 150 community levels involved in deploying a Core banking, including Sepah Bank , Bank Subsidiaries and contracted personnel. A questionnaire with 26 questions was distributed among 85 cases of which 60 were full questionnaire. Questions were designed on the basis of the whole five-point Likert situation. According to prove normal distribution of data T-parametric tests were used to prove the hypothesis. The results showed that technological and managerial factors in the establishment of a Core banking system are more effective at Sepah Bank , in priority. However, the influence of social / cultural and financial establishment of a Core system of banking in Bank Sepah was not proved. Manuscript profile -
Open Access Article
11 - The effect of information technology on organizational performance improvement in intelligent banking systems (case study: Bank of Saderat in Tehran branches)
Reza Ehtesham Rasi Javad MerhrabiThe present investigation was aimed to study the the Impact of information technology on organizational performance improvement in intelligent banking systems.The research was practical in terms of objective and descriptive-survey in terms of data collection.The populat MoreThe present investigation was aimed to study the the Impact of information technology on organizational performance improvement in intelligent banking systems.The research was practical in terms of objective and descriptive-survey in terms of data collection.The population consisted of managers,experts and workers in the IT branch of Bank of Saderat in Tehran branches , the number of sample is 150 That were chosen as a sample size by using formula Cochran and Cluster sampling Method, and was taken 108 as the sample size. For collection data is applied standard questionnaire that its validity and reliability is approved by banking experts. By using Cronbach’s alpha method, the reliability of the questionnaire was more than 0.7 for all of the dimensions.Moreover, content validity was employed in order to assess the validity which the results indicated the validity of the survey instrument.The obtained data was analyzed by using Structural Equation Modeling (SEM) and Smart PLS software and the final model was provided by researcher.The results indicate the conceptual model fit the criteria values and was significant path coefficients,factor loadings ,explained vaiance and GOF. The results showed a positive and significant impact of indicators, operating efficiency, effectiveness, cost, and reliability, ability of select (diversity) and accuracy to improve organizational performance are in four dimensions: financial, customer, internal processes and learning and growth in intelligent banking systems Manuscript profile -
Open Access Article
12 - The optimal method of international payment based on corporate banking and the role of entrepreneurs based on the social marketing approach
Mojtaba Bayat Ahmad Sardari naser azad Abdollah NaamiDue to the current situation in Iran and the existence of currency problems in transferring currency from Iran to other countries, the need to identify the appropriate international payment method in the face of sanctions, as a social responsibility has become more nece MoreDue to the current situation in Iran and the existence of currency problems in transferring currency from Iran to other countries, the need to identify the appropriate international payment method in the face of sanctions, as a social responsibility has become more necessary for the country's Banking system. In this article, it has been tried to choose the most suitable international payment method focusing on foreign brokers in Iran's Banking system, so that in addition to fulfilling the social mission of Banks, the best advice can be provided to corporate clients with a social marketing approach.This research is a combination of library studies and interviews with experts in terms of practical purpose and data gathering. It is also a method of gathering library and field information. Data gathering tool after discovering the dimensions of the research through in-depth interviews with experts was a questionnaire that was designed with 24 questions researcher's made and after proving its validity and reliability among the research population (32 experts in the Iranian Banking system). This questionnaire was designed to research four main hypotheses in terms of "open account", "Advanced-Payment", "Collections" and "letter of credit" in order to select the best international payment method . The results of using some non-parametric tests showed that foreign brokerages of the Banking system only tend to use the two methods of "open account" and "Advanced-payment", which the use of "open account" is more than the "advance-payment" method. Finally, suggestions were made to managers in the field of staff-training. Manuscript profile -
Open Access Article
13 - Designing a dynamic corporate banking model and using it in social marketing based on new banking technologies
Mojtaba Bayat Ahmad Sardari Naser Azad Abdolah NaamiNowadays, in the banking industry, paying attention to the needs of customers in different sectors is one of the strategies of international banks such as Marilynch, Citigroup and HSBS. the Bank will absorb more resources. Due to the similarity of banking services and t MoreNowadays, in the banking industry, paying attention to the needs of customers in different sectors is one of the strategies of international banks such as Marilynch, Citigroup and HSBS. the Bank will absorb more resources. Due to the similarity of banking services and the rate of facilities and interest on Bank deposits for Bank customers, customer loyalty, especially corporate customers, requires attention to social marketing along with corporate banking.In this study, according to previous researches that existed in Science Direct database from the beginning of 2021, using the Meta-Synthesis of Qualitative research, which was a combination of previous research and expert's interview in the field of corporate banking and social marketing, to qualitatively explain the dynamic corporate Banking model, was based on new Banking technologies & social marketing was also considered. Finally, the model was designed in four dimensions and fifteen components, which are technological factors, corporate social responsibility factors, factors beyond the bank's control, and finally New banking practices were important. Due to the dynamics of the model, banks should have fifteen components including financial technology, financial technology lending, crowdfunding, cultural factors, political factors, social factors, economic factors, green marketing, disclosure of financial content in accordance with legislation, Justice in the payment of banking facilities to companies, attention to shadow banking, offshore banking, open banking, digital banking and decentralized banking according to the internal structure and internal strengths and weaknesses, as well as opportunities and environmental threats under consideration redesign and use this Model. Manuscript profile -
Open Access Article
14 - Social Media Role in Marketing and its Impact on Organization's Structure
Seyyed Abdollah Sajjady Jaghargh Alireza Gharaati Majid HeidariSocial media is the description of online tools which people use to share content, profiles, comments, views, experiences and thoughts. The main difference between social media and social network is that social media is used to transfer and share huge information with m MoreSocial media is the description of online tools which people use to share content, profiles, comments, views, experiences and thoughts. The main difference between social media and social network is that social media is used to transfer and share huge information with mass audience. However social network is a tool for interaction. People of the same interests, same favors, common thoughts and dependent on each other make relations in social networks. Social media is the process of socializing an organization and engaging human resources with trends and philosophy of an organization. In this article the role of social media as an effective factor in marketing and on organization's structure is discussed with the emphasis on the role of social media in banking. Components and plan of penetrating banks into social media is explained and through tables demonstrating banks using social media, their role is discussed to engage with the new generation to make loyal customers, reduce costs, gain trust, increase incomes and explain the importance of brand making through social media. Manuscript profile -
Open Access Article
15 - A two-stage DEA approach to measure the performance of multi-activity bank branches
Ali Hadi Alireza Amirteimoori Sohrab Kordrostami Saeid MehrabianData envelopment analysis (DEA) is a nonparametric method for measuring the efficiency of decision-making units (DMUs) with multiple inputs and outputs. This research used the original DEA model and extended it to solve the DEA efficiency measurement problem, specifical MoreData envelopment analysis (DEA) is a nonparametric method for measuring the efficiency of decision-making units (DMUs) with multiple inputs and outputs. This research used the original DEA model and extended it to solve the DEA efficiency measurement problem, specifically for unseparated shared inputs. The consideration of this context aims to establish a new DEA approach to explore bank branch performance in different activities based on the optimal usage of unseparated shared inputs. In this study, in the first stage, the efficiency score is calculated from several activities using graph efficiency, and then, a maximum efficiency score pertaining to each DMU is applied to propose a new model. In the second stage, the efficiency score, which is calculated by the new approach on unseparated shared inputs, is defined as a new constraint based on shared inputs on the CCR model. This approach is implemented on the real data of 25 branches of a private bank in Iran. In fact, the efficiency of each branch is calculated, and enhancement guidelines are presented considering the three activities of production, electronic banking, and intermediation. Presenting one real efficiency score for each DMU, instead of the traditional efficiency score, leads to more robust decisions based on a more transparent performance evaluation in bank branches. Manuscript profile -
Open Access Article
16 - Identify and rank strategies and consequences of using financial technology in Iran's electronic banking industry
Mohammad taghi Yazdani fard S. Alireza Mirarab baygi Saber Khandan Alamdari kiumars AryaThe purpose of this study is to identify and rank the strategies and consequences of using financial technology in the Iranian electronic banking industry. In order to achieve the objectives of the research using non-random judgment method, the opinions of 10 banking ex MoreThe purpose of this study is to identify and rank the strategies and consequences of using financial technology in the Iranian electronic banking industry. In order to achieve the objectives of the research using non-random judgment method, the opinions of 10 banking experts up to the stage of theoretical saturation used. The present research has been carried out using the exploratory mixed research method in two parts: qualitative and quantitative. In the qualitative section, using content analysis and line-by-line analysis of interviews, initial coding performed first. During the initial coding, 36 items were obtained as basic concepts from the text of the interviews, which were classified into 9 sub-categories and two main categories, including strategies and outcomes. In the quantitative part of the research, through the questionnaire, experts' views collected and then the data were determined using the best-worst method, analysis and priority of components in each of the main categories. The results showed that the emphasis on policy orientation based on the development and growth of fintech services in banks, have the highest priority among better and more appropriate strategies and services, have the highest priority among results and consequences. Manuscript profile -
Open Access Article
17 - The test of the development model of organizational resilience in the banking industry using factorial analysis (Case study of Kmelli Bank of Iran)
Shahriyar Baghernezhad Soleyman Iranzadeh Majid Bagerzadeh KhajehTarget:. Organizations in any sector are faced with complex operational environments with dynamic risks. These complex environments force organizations to consider how they can manage operational risk and the resilience of critical business processes and services. Consi MoreTarget:. Organizations in any sector are faced with complex operational environments with dynamic risks. These complex environments force organizations to consider how they can manage operational risk and the resilience of critical business processes and services. Considering the important role of the banking industry in the stability and promotion of the economic goals and current conditions of the country, making this industry resilient against changes, developments and environmental threats is of particular importance. Design/Methodology/Approach: The strategy of this research is applied in terms of purpose and of the type of qualitative and quantitative research (mixed method). In the qualitative part, a paradigmatic model of resilience capacity development in the banking industry was designed through interviews with some elites and experts using the Foundation's data method. The qualitative statistical population of the research is the executive directors and academic staff members of the university. To select the sample, purposeful and snowball sampling was used, which was achieved by conducting 15 interviews based on the saturation rule. Data were analyzed and coded using Strauss and Corbin (1990) coding method and MAXQDA 2020 softwa Manuscript profile -
Open Access Article
18 - Designing and presenting a model to determine the effect of macroeconomic and banking variables on the occurrence of asset freezing in the country's banking system
Fateme Davoudi Farkoosh mohammad ebrahim Mohammadpoor zarandi mehrzad minoueiIn this article, the goal is to design and present a model to determine the effect of macroeconomic and banking variables on the occurrence of asset freezing in the country's banking system using meta-heuristic models. The current research is applied in terms of purpose MoreIn this article, the goal is to design and present a model to determine the effect of macroeconomic and banking variables on the occurrence of asset freezing in the country's banking system using meta-heuristic models. The current research is applied in terms of purpose, in terms of research method, correlation analysis type and in terms of overall research design, post-event and retrospective. In order to answer the research questions, the annual data of macroeconomic and banking variables, during the period of 1399-1390, were collected and using the test of regression models in EViews, Smart PLS software and also the neural network model. It was estimated in SPSS Modeler software. The estimation results of the regression model of the first hypothesis in EViews software showed that the economic variables of GDP, unemployment rate and interest rate, consumer price index, currency strength at the error level of one percent and the economic growth rate variable at the error level of ten percent have a significant relationship. They have a dependent variable (asset freezing). Also, the estimation results of the structural model of the first hypothesis in the PLS software are significantly aligned with the output of the Eviuse software. So; The first research hypothesis is confirmed. Also, the results of the regression model estimation of the second hypothesis in EViews software showed that the intra-bank variable of the bank size ratio, return on equity, and the amount of liquidity at the error level of ten percent, and the variables of capital adequacy, return on assets, bank capital, at the error level of one percent. The percentage has a significant relationship with the dependent variable (asset freezing). Also, the estimation results of the structural model of the second hypothesis in the PLS software are significantly aligned with the output of the Eviuse software. So; The second research hypothesis is also confirmed. Manuscript profile -
Open Access Article
19 - Open banking in the age of digital transformation: theoretical approach and behavioral analysis
shadi oyarhossein ABBAS TOLOIE reza radfar alireza pourebrahimiIn the present era, under the title of digital transformation era, we are facing a tsunami of data and information, and in this era, we can admit that what will cause this great transformation in the country's banking industry, under the title of digital banking, is the MoreIn the present era, under the title of digital transformation era, we are facing a tsunami of data and information, and in this era, we can admit that what will cause this great transformation in the country's banking industry, under the title of digital banking, is the use of open banking using the volume There is a lot of data and information in providing quality and special services to customers. In this field, the main key to enter the banking field is to use fintechs. Financial institutions are moving quickly to develop their response to the advancement of open banking by fintechs and other non-traditional financial institutions. The methodological approach of the current research is scientific and based on the literature of the subject and theoretical foundations, the result of which is the identification and presentation of a scientific framework that enhances knowledge. In this article, after examining and understanding open banking in the era of digital transformation, the ecosystem of open banking, approaches and products of this field have been introduced, and then, with a scientific and research review of the background of open banking, the course of its developments in the world and Iran has been outlined. Finally, the current research shows that the main window to enter the era of digital transformation in the banking industry is the use of platforms and APIs with combined models that suit the needs of each customer. Manuscript profile -
Open Access Article
20 - The Analysis of banking regulation on competition in Iranian Banking Industry R
رضا طالبلو حمید بهمن پورThis paper analyzes the effect of banking regulation on competition on in Iran’sbanking system, using unbalanced panel data models for 17 banks functioning in Iran'seconomy, spanning 1996-2009.In this paper we used lerner index as a proxy for competition. For this MoreThis paper analyzes the effect of banking regulation on competition on in Iran’sbanking system, using unbalanced panel data models for 17 banks functioning in Iran'seconomy, spanning 1996-2009.In this paper we used lerner index as a proxy for competition. For this purpose,first translog cost function of each bank were estimated and then marginal costs wereestimated. For regulation proxy, using beck et al (2008) method, we use Capitalrequirment , information disclosure of banking and some other proxy. Results showthat Capital requirment increase banking competition. information disclosure ofbanking that is proxy of monitoring,and other regulations do not any sighnificanteffect on banking competition. Manuscript profile -
Open Access Article
21 - The Effect Corruption on the Financial Health of Islamic Banks
Vahid Bekhradi Nasab Fatemeh ZholanezhadIslamic banking is developing rapidly around the world and is increasingly recognized as a viable alternative mode of financing especially these last years when capitalism has shown its limits and weaknesses. However, this astronomical growth of banking and Islamic fina MoreIslamic banking is developing rapidly around the world and is increasingly recognized as a viable alternative mode of financing especially these last years when capitalism has shown its limits and weaknesses. However, this astronomical growth of banking and Islamic finance was associated with a high level of corruption that plagues many Muslim countries. This ailment of corruption can deter Islamic banking to be a better effective and meaningful pathway for poverty reduction and economic development.The purpose of this paper is to investigate the impact of corruption on the soundness of Islamic banks. The purpose of this study is to assess the effect of corruption on the financial health of Islamic banks. The statistical population of this study is all banks accepted in Tehran Stock Exchange during the period from 2011 to 2016. Sample was selected based on the systematic elimination method and 23 banks were the basis for research hypothesis. The research method's research hypothesis and the fitting of the research model have been done using the EViews econometric software. There is a negative and significant relationship between financial corruption with the health of Islamic banks.Evidence of research suggests that, with the intensification of corruption at the country level, the financial health of banks has decreased and corruption has an adverse effect on the financial health of banks. In other words, financial corruption in the country threatens the financial health of banks. Manuscript profile -
Open Access Article
22 - The Nature of Banks' Civil Liability in Skimming According to Jurisprudence
mohammadreza namjouyan seyedmohammadreza emamIn today's world, payments are mostly made through electronic transactions. In these exchanges, it sometimes happens that the funds do not reach the destination, or unauthorized withdrawals are made from the customers' accounts through abuse of card readers. One of the MoreIn today's world, payments are mostly made through electronic transactions. In these exchanges, it sometimes happens that the funds do not reach the destination, or unauthorized withdrawals are made from the customers' accounts through abuse of card readers. One of the issues considered in electronic banking is the growing phenomenon of cyber-attacks in cyberspace. What is certain is that building a secure network and protecting Information Technology infrastructure requires a nationwide effort. Considering the harms caused by such attacks, it is vital to be familiar with the concept of cyber-attacks and the resulting civil liabilities, and the related solutions, levels and tools involved. Banks and credit institutions, if at fault, are liable for damages incurred by the party involved (cardholder). This liability arises from the implicit obligation of the bank in such cases, and in cases resulting from negligence. Thus, the bank is obligated to compensate the customer for the losses and damages, and the burden of proof lies with the bank. In this article, while explaining the subject and specialized terminology, the nature of civil liability of banks based on jurisprudential guidelines has been dealt with. Considering the relationship between this business and professional practice it has been suggested that the legislature defines the limits of the bank's liability and the guarantee of its implementation Manuscript profile -
Open Access Article
23 - Liquidity Risk Management of Firms in Accordance with Sharia Through Private Deposit Funds
Ali RahneshinWorking capital finance and liquidity management in a low-cost, quick and easy way is concern of firms. Hence, financial institutions (including Islamic financial institutions) seeking instruments of providing services in this area. But the firm's liquidity and short-te MoreWorking capital finance and liquidity management in a low-cost, quick and easy way is concern of firms. Hence, financial institutions (including Islamic financial institutions) seeking instruments of providing services in this area. But the firm's liquidity and short-term financing and risk management instruments are difficulties to coordination and compliance with Shariah principles. That is why a credit on account service is rarely found in Islamic banks. This paper first reviews the credit on account services provided by Islamic banks. Then we review different methods proposed for the implementation of credit on account services with Shariah. In the end of paper based on firm's working capital process, we recommend a new solution through a new financial institution that is the "private deposit funds". In the new approach, instead of hedging working capital fluctuations through various short-term financing instruments, attempt to reduce liquidity risk by reducing the volatility of cash flows. Manuscript profile -
Open Access Article
24 - The role of banking crisis in the effect of income diversity on profitability of banking industry in Iran
Nesa Kamalian Farshid pourshahabi azim nazariIn the last three decades, the Iranian economy has faced many vicissitudes in macroeconomic areas such as the banking industry. Analysis of the dominant condition of Iran’s banking system indicates that although it has not practically resulted in an explicit crisi MoreIn the last three decades, the Iranian economy has faced many vicissitudes in macroeconomic areas such as the banking industry. Analysis of the dominant condition of Iran’s banking system indicates that although it has not practically resulted in an explicit crisis due to the state-owned banks and the central bank's financial support, the Iranian economy has experienced a banking crisis. The main objective of the current study is to examine the role of banking crisis in the effect of Income diversity on Profitability of banking industry using panel econometric method) EGLS .(For this purpose, 8 accepted banks in the Tehran Stock Exchange were evaluated as a research statistical population during 2005-2015. The results show that an increase in the share of Non-interest income in the time of banking crisis has a significant negative effect on return on equity. However, there is a significant positive relationship between the ratio of lending facilities to bank assets and return on equity during times of banking crisis. This means that in times of banking crisis, generating interest income is more efficient for the banks than diversifying their activities and investments. The results also suggest that variables of capital adequacy and efficiency in times of banking crisis have significant positive effect on return on equity, but on the other hand, the degree of bank concentration (Lerner) in times of banking crisis has significant negative effect on return on equity. Manuscript profile -
Open Access Article
25 - The effect of financial stability and fluctuations in the value of the national currency on the efficiency of Islamic banking, under the switching regime change model
hadi radfar Mohammad Khazri fatemeh zandi bijan safaviIn this study, we seek to investigate the effect of financial stability and fluctuations in the value of the national currency on the efficiency of Islamic banking in recession and boom regimes. For this purpose, the effect of study variables during the period of 1373 t MoreIn this study, we seek to investigate the effect of financial stability and fluctuations in the value of the national currency on the efficiency of Islamic banking in recession and boom regimes. For this purpose, the effect of study variables during the period of 1373 to 1400 is investigated by using the rotation model and Markov switching regime change. The estimation results of the model show that the coefficient of financial development is positive in the prosperity regime. The coefficients of the variables of weakening the value of the national currency in both recession and boom regimes, liquidity and global financial and oil crises have also had a negative impact on the yield of bank contracts in the recession regime. The artificial pricing of the exchange rate in the years before the crisis and preventing its adjustment according to economic conditions is one of the main reasons for the recent fluctuations in the value of the national currency. Thus, as the growth of the exchange rate has increased, the policy makers have tried to control the growth of the exchange rate and prevent its increase by reacting more to it. Meanwhile, the reaction to exchange rate deviations has led to a further weakening of the value of the national currency. As the fluctuations in the value of the national currency increase, the amount of investment in the production sector has decreased and the production situation and the efficiency of the contracts have also worsened. Manuscript profile -
Open Access Article
26 - Ranking Iranian Banks in terms of corporate governance whit emphasizing the status of the board of directors and its committees
Marziyeh Noorahmadi Ali Mahdavi ParsaThe role of corporate governance in today’s corporate world is gaining importance day by day. That is the very reason academicians around the world are paying more attention developing and testing the existing and new practices of corporate governance. The board o MoreThe role of corporate governance in today’s corporate world is gaining importance day by day. That is the very reason academicians around the world are paying more attention developing and testing the existing and new practices of corporate governance. The board of directors is considered as one of the most important dimensions of effective corporate governance since it becomes a key mechanism to mitigate conflicts between shareholders and managers. The aim of this paper is to investigate and rank the Board of Directors and committees of 36 bank and credit institution operating in the IRAN non-usury banking system from the perspective of corporate governance. In this paper, after reviewing the literature of Board of Directors and committees and previous research on this subject, extract the board of directors and committees of Iranian banks to assess this subject in the Iranian bank, and then ultimately rank Iranian bank on this basis. The research method used in this research is content analysis.The results show the inappropriate status of board of directors and its committees in state banks and appropriate status in some private banks. Manuscript profile -
Open Access Article
27 - Social Capital and Social Banking: Drawing Relationships and Explaining the Effects on Sustainable Rural/Nomadic Development
Karim Mirzakhani Mehrdad Navabakhsh Abdolreza AdhamiThe main aim of this study was to know the impact of bank facility payment with social banking approach on sustainable rural and nomadic development through the mediation of social capital. The research method was quantitative and the tool used was a researcher-made que MoreThe main aim of this study was to know the impact of bank facility payment with social banking approach on sustainable rural and nomadic development through the mediation of social capital. The research method was quantitative and the tool used was a researcher-made questionnaire, and the Cronbach's alpha coefficient obtained for the research variables was above 0.70. The statistical population was the recipients of the facilities from the branches of the Cooperative Development Bank, which was selected by the multi-stage cluster sampling method of five provinces, and the recipients of the banking facilities were studied as a sample from the selected provinces. To analyze the data, dispersion indices and structural equation modeling were used, and the results of the research showed that the banking facilities of the Cooperative Bank with the social banking approach have an effect and findings in the process of sustainable rural and nomadic development, and social capital also supports this issue. Facilitates. Therefore, it can be concluded that in order to pay attention to sustainable rural and nomadic development with the components of economic sustainability, environmental sustainability and social sustainability, pay attention to the three components of social banking, that is; profit, people and environment and the five components of social capital, that is; Social awareness, social participation, social network, social cohesion and social trust are important. Manuscript profile -
Open Access Article
28 - Electronic Banking Industry and Accountability (Case of Study: Employees of Refah Bank)
Mohammad Zaman Mohammadi Raeesi Soroush Fathi -
Open Access Article
29 - Changes in the E-Banking Industry: A Step towards Sustainable Development
Mohammad Zaman Mohammadi Raisi Soroush Fathi Habibollah Karimian -
Open Access Article
30 - Investigating the Role of Social Banking in Managing the Financial Conflict of Interest between the Banking System and the Manufacturing Sector
mohamad amiri abas asadi zohreh amiri vahid shahabi Leila Asadi amir razjoo -
Open Access Article
31 - Determinants of interest free banking service in Ethiopia: The case of Commercial Bank of Ethiopia, Bale Robe, Ethiopia
Yohannes Seifu -
Open Access Article
32 - Statistical Investigation and Comparative Assessment of the Non-Performing Assets of Indian Commercial Banks
A. Garg -
Open Access Article
33 - Evaluating Improvement in Bank Service Management and Customer Loyalty by Customer Knowledge Management and Mobile Banking (Case Study: Mellat Bank)
نرگس رضائی ملک محمد رضائی ملک رضا توکلی مقدمWith development of banking industry, many Iranian banks are seeking to provide different services to customers to increase their market share. For example, applying of mobile technologies to provide banking services 24 hours a day makes more competitive advantage. In a MoreWith development of banking industry, many Iranian banks are seeking to provide different services to customers to increase their market share. For example, applying of mobile technologies to provide banking services 24 hours a day makes more competitive advantage. In addition, utilization of customer knowledge management by identifying the critical needs of customers improves bank service management. Furthermore, improvement of bank service management increases customer satisfaction and loyalty. Hence, this paper investigates the effect of customer knowledge management and mobile banking on improvement of bank service management and customer loyalty. Mellat bank is investigated as the case study of this research. For sample estimate, simple random sampling (Cochran formula) is used. Finally, for data analysis, multivariate regression method is applied. The results show that customer knowledge management and mobile banking separately have %50 positive effects on improvement of bank service management, and also improvement of bank service management has 64% positive effect on customer loyalty. Therefore, it is highly suggested that Iranian banks should be careful about selecting the proper system for mobile banking and customer knowledge management because of they have special effect on bank service management, and consequently on customer loyalty. Manuscript profile -
Open Access Article
34 - Investigation of factors influencing innovation and knowledge-based trust in accepting mobile banking
farideh haghshenaskashani Afshin Rahnama ali dorostiMobile banking is a new technology in banking industry which has many benefits both for banking industry and its customers. Considering special features of this technology and risks customers may perceive when using this technology, acceptance and use of this technology MoreMobile banking is a new technology in banking industry which has many benefits both for banking industry and its customers. Considering special features of this technology and risks customers may perceive when using this technology, acceptance and use of this technology is an important issue for bank management. The present research aims to investigate factors which affect innovation and knowledge-based trust in acceptance of mobile banking. In terms of objective, this is an applied research and in terms of data collection, it is considered as a descriptive correlation study. Questionnaire was used for data collection. Research sample was selected out of customers who referred to different branches of Mellat Bank in Ardebil City, Iran. Structural equations modeling method was used for data analysis. Results showed that perceived relative advantage, perceived convenience, perceived compatibility, perceived competency and perceived integrity have positive influences on attitude towards acceptance of mobile banking. On the other hand, impact of perceived good-will on attitude towards mobile banking was not supported. Further, attitude towards acceptance of use of mobile banking has a positive and significant impact on behavioral intention to use mobile banking. Manuscript profile -
Open Access Article
35 - Evaluation of factors affecting Internet banking adoption among governmental and private banks Customers in Tehran.
محمد علی عبدالوند فریده حق شناس کاشانی زهرا فلاح اصلAbstract Purpose – This paper seeks to identify empirically the factors underlying the decision to adopt online banking in Tehran. Design/methodology/approach – The sample used in this study is based on 385 interactive questionnaires completed by Tehran inte MoreAbstract Purpose – This paper seeks to identify empirically the factors underlying the decision to adopt online banking in Tehran. Design/methodology/approach – The sample used in this study is based on 385 interactive questionnaires completed by Tehran internet users. Data were analyzed by employing correlation and multiple regression analysis. Findings – The results showed that perceived usefulness,perceived ease of use, internet experience, trust and use of other banking products positively associated with the intention to use online banking in Tehran.On the contrary demographic characteristics was found to be not significant in this study. Research limitations/implications – This study was conducted in Tehran and future research can use this model to study the adoption of online banking in other cities. Managerial implications – The results allow banks’ decision makers to develop strategies that can increase the adoption of online banking. Banks should improve the security and privacy of the websites, which will increase the trust of users. Banks should also create features which are useful to users, try to make the process of using the services easy for consumers, teach customers how to use the online services and use a package deal, such as an account with online access, debit or credit card and a SMS banking service. Originality/value – The findings allow the factors that can influence the adoption of online banking in Tehran to be understood. Unlike existing studies based on Technology Acceptance Model (TAM), this study includes internet experience, trust and use of other banking products on top of the existing variables used in TAM. Most studies on adoption of online banking are focused on developed countries. By focusing on Iran, this model can also be applied to other countries which are relatively new to e-commerce and online banking. Manuscript profile -
Open Access Article
36 - Identification Effect Factors on Corporate Banking Effectiveness with the Role of Customer Relationship Management as mediation Role “Mixed Method”
Mohammad ail abdolvand mehdi baniasadiPurpose: The purpose of this Paper is representing the model of customer relationship management in corporate banking by using a mixed method. Design/ Methodology Approach: This Research consist of two studies .In study 1, researchers carried out the recogni MorePurpose: The purpose of this Paper is representing the model of customer relationship management in corporate banking by using a mixed method. Design/ Methodology Approach: This Research consist of two studies .In study 1, researchers carried out the recognition of dimensions and factors of customer relationship management and corporate banking by using phenomenological approaches, they also used the Grounded Theory approach in order to investigate relationships between these two main issues during the first study. In study 2, after determining the model, they carried out testing models. Required data In study 1, were provided by using the protocol based on interviewing with seven senior bank managers while applying a quantitative approach, and in study 2, questionnaire I team, deigned & distributed among 330 corporate banking customers of a 3private bank, after investigating the content and construct validity, The MAX QDA 12 software was applied in the first study in order to analyze interviews, and AMOS software was utilized in the second study. Finding: The researcher identifies 278 open codes in the first study, then classifies them into 6 clusters and finally, identifies relationships between the two main issues of customer relationship management and corporate banking by using the selective coding. Results showed that impacts of variable such as, technology, key account manager, and service quality on customer relationship management are considered to be 0.280, 0.488, and 0.418, respectively. Impacts of key account manager and customer relationship management on corporate banking were also determined to be 0.214, and 0.343. Research Limitation / Implications: The Identification of Corporate Banking will help bank managers to implement an Effective CRM that enhance corporate banking customer Relationship by Key Account to provides more opportunities for bank to cross –sell other related product to key accounts. Originality/Value: This Paper Addresses Significant Gap &provide a conceptual framework in Corporate Banking Context, and examining how possession of CRM Influences’ on Corporate banking. Purpose: The purpose of this Identification Effect Factors on Paper is corporate banking by using a mixed method. Design/ Methodology Approach :This Research two studies .In study 1, researchers carried out the recognition of dimensions and factors of corporate banking by using Grounded Theory approach in order to investigate relationships between these two main issues during the first study. In study 2, after determining the model, they carried out testing models. Required data In study 1, were provided by using the protocol based on interviewing with seven senior bank managers while applying a quantitative approach, and in study 2, questionnaire I team, deigned & distributed among 330 corporate banking customers of a 3private bank, after investigating the content and construct validity, The Maxqda 12 software was applied in the first study in order to analyze interviews, and AMOS software was utilized in the second study. Finding: The researcher identifies 278 open codes in the first study, then classifies them into 6 clusters and finally, identifies relationships between the two main issues of customer relationship management and corporate banking by using the selective coding. Results showed that impacts of variable such as , technology, key account manager, and service quality on customer relationship management are considered to be 0.280, 0.488, and 0.418, respectively. Impacts of key account manager and customer relationship management on corporate banking were also determined to be 0.214, and 0.343. Research / Implications-The Identification of Corporate Banking will help bank managers to implement an Effective CRM that enhance corporate banking customer Relationship by Key Account to provides more opportunities for bank to cross –sell other related product to key accounts. Originality/Value- This Paper Addresses Significant Gap &provide a conceptual frame work in Corporate Banking Context, and examining how possession of CRM Influences’ on Corporate banking. Manuscript profile -
Open Access Article
37 - The Mechanism of Effect of Economic Factors on the Volume of Bank Deposits in Islamic Banking Systems
Mohammadreza faalnasiri Ramin khochiany hamid asayesh Seyed Hosein sajadifarIn economic literature, one of the important roles of deposits is that it provides a suitable basis for investment. The aim of the present study is to investigate the mechanism of economic factors effect on the volume of bank deposits in the banking system of Iran and M MoreIn economic literature, one of the important roles of deposits is that it provides a suitable basis for investment. The aim of the present study is to investigate the mechanism of economic factors effect on the volume of bank deposits in the banking system of Iran and Malaysia with the threshold approach (STAR) during the years 1397-1379 for the Iranian economy and 1984-2017 for the Malaysian economy. In this regard, the application of soft transfer regression model was used to estimate the mechanism of the effect of economic and business factors on the volume of bank deposits in Islamic banking. The results of the model for Iran show the negative effect of the variables of exchange rate fluctuations, inflation rate, financial crises and the positive effect of the variables of oil price, liquidity, deposit interest rate and bank facilities on the total volume of bank deposits in Iran. For Malaysia, the variables of gross domestic product, liquidity and bank facilities have a positive effect, and the variables of exchange rate fluctuations, oil price and inflation rate have a negative effect on the total volume of bank deposits. According to the results for Iran's economy; the increase in oil revenues and the increase in the foreign assets of the central bank has caused an increase in the volume of liquidity, and as a result, inflation has also increased. The expectation of inflation in the future period and the uncertainty of the inflation rate have reduced the volume of bank facilities and led to the withdrawal of money from the banking system and entering the speculative and black markets and worsened the country's production situation. While for the Malaysian economy according to the money endogeneity test, liquidity has been directed towards production and has led to an increase in production and sustainable economic growth. Therefore, it is necessary for the central bank to pay attention to the policies of organizing assets and liabilities and saving on imaginary assets in order to gradually adjust the balance sheet of the banking system. Manuscript profile -
Open Access Article
38 - Studying the effect of perceived e-service quality and perceived security on brand equity
Mohsen Khunsiavash elika amirasl Majid MohamadipourThe purpose of this study is "Studying the effect of perceived e-service quality and perceived security on brand equity". The method used in this study from the point of purpose is applied research and from the point of matter is survey-descriptive research. The statist MoreThe purpose of this study is "Studying the effect of perceived e-service quality and perceived security on brand equity". The method used in this study from the point of purpose is applied research and from the point of matter is survey-descriptive research. The statistics population of this research was the students of Islamic Azad University Science and Research branch and Tehran Central branch. The sample size of the study is calculated according to the number of hidden variables and the hypotheses. Since the number of hidden variables and hypotheses is 15, 700 people is selected as the sample. The questions regard to the objectives of the study have been designed in Likert seven-option package. For data analyzing Spss22 software in two parts, descriptive and inferential statistics and to check normality of the distribution, and the hypotheses AMOS22 software is used. Delivery quality and outcome quality have been used as perceived e-service quality dimensions to investigate the process of using online services and also the outcome with which the customer is left. Based on the results obtained from the research, all of the research hypotheses are confirmed with confidence level of 95%. The results indicate that the perceived quality and perceived security formed through interaction with an online banking service positively affect customer trust and satisfaction, which in turn influence loyalty and brand equity. The results of this study suggests that marketing managers should pay attention to both the process of using the online service and the outcome of the process. Finally, they should provide their customers with the newest technology in order to secure the website. It is suggested that future researches examine different e-service quality measuring models and various statistical population in different industries. Manuscript profile -
Open Access Article
39 - Using Theory of Trying to Investigating the Adoption of Mobile Banking
Mojgan Bahrami Naser Khani Mohamadreza Moradi MogoyiPurpose: Drawing upon the theory of trying, the purpose of this study was to investigate adoption of mobile banking among the customers of Sade rat Bank in Isfahan. In addition the moderating effect of customers’ experience with internet banking and mobile applica MorePurpose: Drawing upon the theory of trying, the purpose of this study was to investigate adoption of mobile banking among the customers of Sade rat Bank in Isfahan. In addition the moderating effect of customers’ experience with internet banking and mobile applications was conducted. Methodology: The present study is applied in terms of purpose and descriptive survey in terms of data collection. Using a questioner, the sample was selected using convenience sampling, which includes 450 bank customers who don’t use mobile banking. Out of 450 questionnaires, 400 were usable that analyzed with SPSS and Smart PLS 3. Findings and Conclusion: The findings reveal that intention of adopting mobile banking is determined by attitude toward mobile banking, which in turn is determined by attitude toward learning to use mobile banking. In addition, respondents’ past experience with internet banking and mobile applications did not have moderating effect on the relationship of attitudes and adoption intention. The result also showed that customers are interested in learning how to use mobile banking, also they have a lot of experience in using Internet and mobile applications. Therefore, the reason for customers' weakness of attitude depends not on the individuals and customers but on the performance of the bank and its infrastructure. Manuscript profile -
Open Access Article
40 - Designing a Qualitative Model of Entrepreneurial Marketing in Corporate Banking
Mehdi Kasegarha Mohammad Javad Taghipourian javad Gilanipour Mehran MokhtariThe purpose of this research is to systematically study entrepreneurial marketing in corporate banking in order to determine the effective factors and barriers and components of entrepreneurial marketing in corporate banking. is. The current research is descriptive-expl MoreThe purpose of this research is to systematically study entrepreneurial marketing in corporate banking in order to determine the effective factors and barriers and components of entrepreneurial marketing in corporate banking. is. The current research is descriptive-exploratory in terms of qualitative approach and in terms of how to analyze the data with meta-composite method. The tool used in this research is interview (semi-structured). The statistical population consists of bank experts, especially people who have sufficient expertise and knowledge in the field of entrepreneurial marketing. In this research, the members of the expert panel were selected using a snowball sampling method; Key codes were analyzed after studying and extracting them using thematic analysis approach using MAXQDA software. The results showed that the components and dimensions of entrepreneurial marketing include: market-oriented, risk management, differentiation, entrepreneur characteristics, opportunism, they were innovation, customer orientation, networking and value orientation. Effective factors include two main components of internal factors (environmental disturbance, government problems, limited market share, lack of customer commitment, technological change, and market problems) and external factors (management challenges, human barriers, lack of resources, and restrictions) and barriers include Two main components, internal factors (entrepreneurial mentality, organizational structure, culture, knowledge management and emotional intelligence) and external factors (branding, new marketing, and communication improvement) were classified. Manuscript profile -
Open Access Article
41 - Designing a neural marketing model with a consumer behavior approach in the banking industry
Maryam Khezri yazdan shirmohammadi Mirarab Beigi AlirezaPurpose By combining psychology and marketing, researchers invented a new method called neuromarketing, in which indirect and sustainable influence on the customer's mind is emphasized. The aim of the current research is to design a suitable neuromarketing model with a MorePurpose By combining psychology and marketing, researchers invented a new method called neuromarketing, in which indirect and sustainable influence on the customer's mind is emphasized. The aim of the current research is to design a suitable neuromarketing model with a consumer behavior approach in the banking industry. Method: The current research is practical in terms of the nature of the research; The manner and method of research, qualitative; research approach, inductive; The ruling paradigm of research is interpretive; The research strategy, foundational data theory and source of data collection include the study of theoretical foundations and interviews. The statistical population of the research consists of 2 groups, managers of public and private banks, academic faculty professors in the field of management and marketing of public and independent universities, who, using the non-probability purposeful snowball sampling method, the opinions of 20 of them during semi-structured interviews until reaching The theoretical saturation limit was collected. Acceptability, transferability and verifiability were used to estimate validity and internal consistency method (Cronbach's alpha coefficient = 0.91) was used to measure reliability. The method of data analysis was done by performing three stages of coding including open, central and selective coding. Findings: The research findings showed that 245 final codes were extracted from the open coding stage. In the central coding stage, there are 6 sub-categories and 62 codes in causal conditions, 5 sub-categories and 41 codes in contextual conditions; Intervening factors number of 6 subcategories and 35 codes; Strategies, 9 subcategories and 58 codes, and outcomes, 10 subcategories and 63 codes were identified. Conclusion: In this research, the neuromarketing model has been designed with the approach of consumer behavior in the banking industry, which is expected to be used by bank managers. Manuscript profile -
Open Access Article
42 - Evaluating the Factors Influencing the Adoption of Internet Banking: An Integration of TAM and TPB with Perceived Risk and Perceived Benefit
M. A. Abdolvand H. AbdolazimiAlmost the cost of each internet trade is a third of one which the bank teller does. Development of new technology has been caused people to do their banking at home. Banking industry has reacted toward the costumers changing demands, social change trends, communication MoreAlmost the cost of each internet trade is a third of one which the bank teller does. Development of new technology has been caused people to do their banking at home. Banking industry has reacted toward the costumers changing demands, social change trends, communication technology development, distribution channel strategies in finance services and has paced with technology. Today Internet banking is as one of the modern services and technology for us. The importance of this role is so significant that we cannot live without internet services. In the present study, it is tried to analyze this significant point by evaluating the influencing factors an internet banking acceptance by integrating TAM and TPB models and the costumers perceived risk and benefit. In this study, face to face questionnaire method is used for data collection and it was analyzed by SPSS software. The results of this study show that the ease of use, expected benefits, subjective norms, perceived behavior control and perceived profits have a positive influence on intention to use internet banking. Also, all these five mentioned risks have a negative influence on people's attitude toward internet banking, which the effect of security risk is more than other ones. The ease of use has also a more positive influence than other factors on attitude toward using internet banking. Manuscript profile -
Open Access Article
43 - Investigation of Factors Influencing Innovation and Knowledge-based Trust in Accepting Mobile Banking
F. Haghshenas Kashani A. Rahnama A. DorostiMobile banking is a new technology in banking industry which has many benefits both for banking industry and its customers. Considering special features of this technology and risks customers may perceive when using this technology, acceptance and use of this technology MoreMobile banking is a new technology in banking industry which has many benefits both for banking industry and its customers. Considering special features of this technology and risks customers may perceive when using this technology, acceptance and use of this technology is an important issue for bank management. The present research aims to investigate factors which affect innovation and knowledge-based trust in acceptance of mobile banking. In terms of objective, this is an applied research and in terms of data collection, it is considered as a descriptive correlation study. Questionnaire was used for data collection. Research sample was selected out of customers who referred to different branches of Mellat Bank in Ardebil City, Iran. Structural equations modeling method was used for data analysis. Results showed that perceived relative advantage, perceived convenience, perceived compatibility, perceived competency and perceived integrity have positive influences on attitude towards acceptance of mobile banking. On the other hand, impact of perceived good-will on attitude towards mobile banking was not supported. Further, attitude towards acceptance of use of mobile banking has a positive and significant impact on behavioral intention to use mobile banking. Manuscript profile -
Open Access Article
44 - Investigating the Effect of Trust and Perceived Risk on Adoption Internet Banking Services among Arak Banks Customers
P. Ghaffari Ashtiyani M. Zanjirdar R. Sha’abaniPurpose: Nowadays expansion of internet use is an underlying opportunity for financial institutions and banks to use it as a benefit in a hard competition environment. According to the nature of internet shopping some of the consumers always experience a level of risk. MorePurpose: Nowadays expansion of internet use is an underlying opportunity for financial institutions and banks to use it as a benefit in a hard competition environment. According to the nature of internet shopping some of the consumers always experience a level of risk. The present research investigates simultaneously the effect of trust and the perceived risk on adoption internet banking services. Methodology: This research is applicable in term of target. in terms of method and nature is causal research and of domain relevant branch. Necessary information are collected using questionnaire mean time for analysis of data, Structural Equation Modeling and LISREL software are used. To achieve this goal 300 questionnaires were distributed among Arak banks customers that used internet banking services at least once and finally 276 usable questionnaires returned and were analyzed. Findings: The analysis results showed there is a significant relation between costumer's perceived ability of Internet Banking Services and using these services. Also results suggest that bank trusting negatively affected perceived risk of Internet Banking Services on one hand and positively affected costumer perception of bank abilities to offer Internet Services for using these services on the other hand. Finally negative effect of perceived risk for Internet Banking Services to use these services was approved. Research Limitations: There are a lot of factors that can affect on the adoption of internet banking services but because of the high importance of perceived risk and trust in adoption of this services and also because of time limitation in this research we are studied these two variable only. Also lack of accurate statistics of the customers using internet banking was among the restricting factors in this research. Managerial Implications: Finally it is suggested to the bank managers to formulate and implement strategies that can increase the perceived trust of the customers and parallel to programs of trust making move in the way of lessening the perceived risk of customers by creating specialized counters in their branches. Manuscript profile -
Open Access Article
45 - Recognizing and Prioritizing Barriers of Using Points of Sale (POS) Devices in Saderat Bank of Bandarabbas City
S. Mohammadi Pour S. M. Seyedi A. Esteghlal R. Samadi TirandaziNow, use necessary of information and communication technologies in the banking industry and especially in the systems of transferring funds, has understood well and following that , actions are doing such as use of point of sale devices, ATM devices , telepho MoreNow, use necessary of information and communication technologies in the banking industry and especially in the systems of transferring funds, has understood well and following that , actions are doing such as use of point of sale devices, ATM devices , telephone banking, internet banking and … . Despite this, there are many barriers and problems in the way of establishing and developing electronic banking and especially systems of transferring funds in point of sale. The purpose of this study is recognizing and prioritizing barriers of effectiveness points of sale devices in Saderat bank of Bandarabbas city. This research is applied in view of aim, method of data collection is survey .The main tools for collecting research data are questionnaire and interview. Statistical research community is all pos devices recipients of Saderat bank in Bandarabbas city that their exact statistics according to Hormozgan Saderat bank computer unit are 3980 center. Content validity of the questionnaire was confirmed by teachers and experts and reliability of questionnaire was obtained through Cronbach’s alpha value of 0.833, which shows the high reliability of the questionnaire. Obtained data from 350 questionnaires are analyzed with SPSS software and using descriptive statistic, one sample t-test and Freidman tests. The results of this study showed that recognized barriers are technical – technological, cultural-educational, managerial-organizational and financial-commercial. Recognized barriers prioritized with Friedman test that technical - technological factors are more important than other factors. Manuscript profile -
Open Access Article
46 - The Internet Banking Services (IBS) in the Youth Market (Case Study: Eghtesad Novin Bank)
A. Tajzadeh S. Naysari TabriziIncreasing growth and developments in communication technology has brought about a revolution in different aspects of human life and organizational performance. This technology has greatly modified the views and practical approaches of people, organizations and state go MoreIncreasing growth and developments in communication technology has brought about a revolution in different aspects of human life and organizational performance. This technology has greatly modified the views and practical approaches of people, organizations and state governments country of Iran, however, is so new in accomplishment of Electronic Banking and Electronic Commerce and especially internet banking services is a long way to go towards the ultimate satisfactory situation. In this study, we investigated the status of Internet banking services (IBS) in the young market and examined knowledge, attitudes and behavior and achievements will try to set up an image of how this modern banking system is being functioned in some Iranian private the Eghtesad Novin banks and what achievements it has yielded for the country so far. Finally, challenges which Iran will have to encounter using this modern system will be concerned. The results of research is "descriptive - survey" that sample consisted of 168 young people of bank customers' Eghtesad Novin examined using descriptive and inferential statistical methods to evaluate the status of Internet banking services in the youth market. Results showed that regarding young people (age 18-32) the application of positive attitudes and understanding of IBS. It also confirmed the positive relationship between satisfaction and loyalty is the quality of IBS. Manuscript profile -
Open Access Article
47 - Evaluation of Factors Affecting Internet Banking Adoption among Governmental and Private Banks Customers in Tehran
Z. Falah Asl M. A. AbdolvandPurpose – This paper seeks to identify empirically the factors underlying the decision to adopt online banking in Tehran. Design/methodology/approach – The sample used in this study is based on 385 interactive questionnaires completed by Tehran internet user MorePurpose – This paper seeks to identify empirically the factors underlying the decision to adopt online banking in Tehran. Design/methodology/approach – The sample used in this study is based on 385 interactive questionnaires completed by Tehran internet users. Data were analyzed by employing correlation and multiple regression analysis. Findings – The results showed that perceived usefulness, perceived ease of use, internet experience, trust and use of other banking products positively associated with the intention to use online banking in Tehran. Research limitations/implications – This study was conducted in Tehran and future research can use this model to study the adoption of online banking in other cities. Managerial implications – The results allow banks’ decision makers to develop strategies that can increase the adoption of online banking. Banks should improve the security and privacy of the websites, which will increase the trust of users. Banks should also create features which are useful to users, try to make the process of using the services easy for consumers, teach customers how to use the online services and use a package deal, such as an account with online access, debit or credit card and a SMS banking service. Originality/value – The findings allow the factors that can influence the adoption of online banking in Tehran to be understood. Unlike existing studies based on Technology Acceptance Model (TAM), this study includes internet experience, trust and use of other banking products on top of the existing variables used in TAM. Most studies on adoption of online banking are focused on developed countries. By focusing on Iran, this model can also be applied to other countries which are relatively new to e-commerce and online banking. Manuscript profile -
Open Access Article
48 - Factors Underlying Consumer AttitudesTowards E-Banking
M. A. Abdolvand P. BarvandThis research investigates different factors which influence the formation of consumer attitudes towards e-banking.Coefficient of correlation and SEM methods were used to study attitude formation; previous computer experience, previous technology experience,&n MoreThis research investigates different factors which influence the formation of consumer attitudes towards e-banking.Coefficient of correlation and SEM methods were used to study attitude formation; previous computer experience, previous technology experience, personal banking experience and reference group effects were influencing variables. The correlations among variables were significant, and the model had a suitable fit. It is expected that the results of this study will have practical and theoretical implications in the field of e banking and will also help in understanding and recognizing consumer behavior in this industry. Manuscript profile -
Open Access Article
49 - Evaluating Improvement in Bank Services Management by Customer Knowledge Management and Mobile Banking (Case Study: Mellat Bank)
N. Rezaei-Malek M. Rezaei-Malek R. Tavakkoli-MoghaddamWith the development of the banking industry, many banks in our country are looking to provide differentiated services to clients to increase their market share. For example, the use of mobile technologies, to provide 24 hours banking services and provides a competitive MoreWith the development of the banking industry, many banks in our country are looking to provide differentiated services to clients to increase their market share. For example, the use of mobile technologies, to provide 24 hours banking services and provides a competitive advantage arises. In addition, the use of customer knowledge management by identifying the basic needs of the customer, improve management and banking services are targeted. On the other hand improving the management of banking services to increase customer satisfaction and loyalty as a result. Hence, this paper investigates the effect of customer knowledge management and mobile banking on improved management of banking services and ultimately increases customer loyalty deals. To achieve this goal, the most effective indicators of customer knowledge management and mobile banking services that increase customer loyalty by interviews with experts and review of the literature were identified. Then, as a community bank with 180 experts was selected. Using simple random sampling (Cochran's formula) was estimated sample size equals 122 experts. The questionnaire was used to collect data, assess the degree of reliability using Cronbach's alpha equal to 0.814 was obtained. In order to evaluate the validity, the reliability factor was used. Bartlett coefficient equal to 0.886 was obtained due to the larger amount of 0.7; the factorial validity of the questionnaire was confirmed. Finally for data analysis, regression methods were used. The results indicate a positive impact of customer knowledge management and mobile banking 50% and fifty percent impact on improving the management of banking services as well as the effect of 64% improvement in banking management to increase customer loyalty. Customer knowledge management and mobile banking as much as 60% and 55% positive impact on customer loyalty rates were reported. According to test results and significant hypothesizes Knowledge Management and Customer Loyalty, Mobile banking is recommended to increase customer loyalty and presented service expected by customers, such as identifying the critical needs of customers and the value they identify key clients and the trust they have placed particular importance for long-term investments. Also, it is highly suggested that Iranian banks should be careful about selecting the proper system for mobile banking and customer knowledge management because of they have special effect on bank service management, and consequently on customer loyalty. Manuscript profile -
Open Access Article
50 - A Proposed Model for Mobile Banking Adoption from Customers Perspective and Compare it with World Known Models
S. Karkhanei Sh. MohammadiRecent advances in wireless technologies and devices, has created new opportunities to provide innovative banking services named Mobile banking. With mobile banking, customers are able to conduct banking services at anyplace and anytime and to connect banking service ea MoreRecent advances in wireless technologies and devices, has created new opportunities to provide innovative banking services named Mobile banking. With mobile banking, customers are able to conduct banking services at anyplace and anytime and to connect banking service easily and quickly with mobile devices. Since the penetration rate of mobile devices is more than other technologies, if mobile banking accepted by the customers can decreases costs of banks and customers effectively. Worldwide researches has shown that despite there are numerous benefits that mobile banking provides for customers and banks, it is not accepted by the customers. Research on factors affecting the adoption of mobile banking by customers can be helpful in resolving this issue. Therefore, in this study a new model for the adoption of mobile banking taking into account the role of advertisement is presented. The proposed model combines the Unified Theory of Acceptance and Usage of Technology (UTAUT) with Task Technology Fit (TTF), and adds other influencing factors. Also, the proposed model is compared with the world known models in this research. Manuscript profile -
Open Access Article
51 - Customer Satisfaction Evaluation about Electronic Banking Services in IRAN
T. SadeghiOrganizations are trying to use Information Technology with some new concepts such as "Business Reprocessing," Downsizing" and "Boundary less Organization" which affect on their performance. In this article, the concepts and different types of E-Banking s MoreOrganizations are trying to use Information Technology with some new concepts such as "Business Reprocessing," Downsizing" and "Boundary less Organization" which affect on their performance. In this article, the concepts and different types of E-Banking services are introduced. Then by a comparative study and survey, the crucial factors and the relative criteria regarding Customer Satisfaction in Iran are observed. The main topic investigated in this article is "Customer Satisfaction Measurement," and the results are distinguished according to the responses to questionnaires distributed among a sample of customers in the field of E-Banking in Iran. Manuscript profile -
Open Access Article
52 - Factors Influencing Acceptance of Electronic Banking by the Customers of Parsian Bank
Z. Dehdashti Shahrokh M. M. KavarooeiIt is important to find out why individuals elect to use or not use a new technology when they have a choice. This information would help developers build systems that people want to use or find out why potential users avoid an existing technology.The goa MoreIt is important to find out why individuals elect to use or not use a new technology when they have a choice. This information would help developers build systems that people want to use or find out why potential users avoid an existing technology.The goal of this article is to increase our current understanding of the factors that influence E-Banking acceptance by the customers of Parsian Bank, In order to achieve this goal after studying various models, the Pikkarainen model have been used to recognize the effecting factors on acceptance of Electronic Banking.This model consist of six factors (perceived usefulness, perceived ease of use, perceived enjoyment, information on online banking, security and privacy, quality of internet connection ) that we assume to have an affect on acceptance of E-Banking among customers of Parsian Bank, the research method is descriptive of survey type and the sample size was 583.Likert five point scales were used as a basis of questions. Finally the finding factors were prioritized by mean rank: Security and privacy, Information on online banking, Perceived usefulness, Perceived ease of use, Quality of Internet Connection and Perceived enjoyment. Manuscript profile -
Open Access Article
53 - Evaluating Melli Bank Service Quality Using the SERVQUAL Method
Sh. Nayebzadeh H. Dehghandehnavi M. R. FeizThis paper assesses the quality of services delivered in Melli Banks using the SERVQUAL approach. The present research examines the extent of existing gaps between expectations and services as perceived by the customers of Melli banks. Questionnaires were MoreThis paper assesses the quality of services delivered in Melli Banks using the SERVQUAL approach. The present research examines the extent of existing gaps between expectations and services as perceived by the customers of Melli banks. Questionnaires were distributed to 385 bank customers. Assurance was the most important dimension, followed by reliability, accountability, and empathy. Tangibles were the least important dimension. Moreover, the largest gap between expectations and perceptions was in the tangible dimension, and the smallest gap between these areas was associated with confidence. Manuscript profile -
Open Access Article
54 - The Study on the Consumers' Perceptions of Electronic Banking Services of Keshavarzi Bank in the Southern Regions of Kerman Province
H. Zolfaghar Dehnavi D. RashidiBanks as financial institutions must meet the expectations and demands of their customers. This is why information technology plays a vital role in facilitating communication with customers through improving the effectiveness and speed of the banking services. This stud MoreBanks as financial institutions must meet the expectations and demands of their customers. This is why information technology plays a vital role in facilitating communication with customers through improving the effectiveness and speed of the banking services. This study examines consumers' perceptions of electronic banking services as one of the indicators of success in order to formulate a number of operational strategies to improve customer satisfaction which increases market share and customer loyalty. The present study focused on the views expressed by experts, consultants and banking professionals and aimed at investigating and designing a conceptual model by field research, and applying student t-test to measure the relationship between consumers' perceptions of electronic banking services with customer satisfaction, cost reduction ,safety factor as well as public information and awareness. Friedman test was then used to rank all these components in terms of customers’ perception. The statistical population consisted of all customers of the Keshavarzi Bank in the southern region of Kerman province 384 bank customers who were using e-banking services in the first three months of 1390 were chosen as samples through simple random sampling method. The data collection tool was a research questionnaire. The study findings showed that the impact of all these components of the proposed model of costumers’ perceptions on the quality of electronic banking services would be significant in the sense that cost component was ranked the highest and information awareness components were ranked lowest. Manuscript profile -
Open Access Article
55 - Contract for Production in the Securities Market
Seyed Mohammad Reza Ayati Ali Ale BoyeContract of Istesna’ is not new a contract. It has been longdiscussed by great juristic scholars dealing with its rulings. SheykhTusi in Al-Khelaf and Al-Mabsoot, Shafe’ei in Al-Umm andSarakhsi in Al-mabsoot have discussed about Istesna’ and it’s MoreContract of Istesna’ is not new a contract. It has been longdiscussed by great juristic scholars dealing with its rulings. SheykhTusi in Al-Khelaf and Al-Mabsoot, Shafe’ei in Al-Umm andSarakhsi in Al-mabsoot have discussed about Istesna’ and it’s licitor illicit position, although in the past its applications were limitedto instances such as orders for making boots, shoes and iron, zinc orwood utensils.In this paper, after explaining the meaning of Istesna’, this contracthas been recognized as an independent one. Then, after introducingIstesna’ securities, jurisprudential and legal issues on the matter andon the relations in trading stock, bonds and institutions in relationwith issues of contract of Istesna’ and jurisprudence of selling havebeen studied. It has been tried to suggest solutions for challenges inthe relevant field. Manuscript profile -
Open Access Article
56 - Ability evaluate along with clarification of Activity Based Costing usage for money cost determination within country banking network
Fereidoon Rahnamaye Roodposhty Jamal Bahry Sales Asgar PakmaramIn every country economic relative, financial institutions contain serious and veryimportant role and with increasing the competitions in traditional activities, complexity oftransactions and financial markets growing, every day financial and credit institutions have af MoreIn every country economic relative, financial institutions contain serious and veryimportant role and with increasing the competitions in traditional activities, complexity oftransactions and financial markets growing, every day financial and credit institutions have afresh aspects. This institutions constantly attempt with the aim of implementation of polices inproportion by market demand as well as diversify its services and improving that, apportion amore share of market demand for its. These two strategies within their substance require forstrategic evolution in technology of serve and value creation for clientele. One of topics thatdiscuss in this case, employ of appropriate along with accuracy determination method ofproducts cost. In fact, in currently universal competition also changes, the accomplishment ofthree vital factors such as quality, time(function) and cost (triangle survival elements) forgoing concern of all the institutions be assurance. In this article, we attempt to discuss one ofthe most significant elements of this triangle that is cost of money within country bankingnetwork. By consider the amount and quantity of transactions than other institutions withinsingle monetary institution, the importance of determination of this price into one scientificand precision way is more essential.consequently, during this study by represent the approach of cost calculate in countrybanking system and complete appraisal of all that aspects concerning its agreement withIslamic banking rules, legal, scientific and survey the consequence of different methods thatused for determination of this price, we try that choose and represent proper model fordetermination of money cost. For examining of presented model through using financial andoperational information of west Azerbaijan province Mehr institute, cost of money computeand analyzed.The result of this study explanatory as follows:a. To prevent within any deviation as well as to obtain proper financial reports, inparticular Islamic banking principal compliance, necessarily, determination base forthe price of financial and credit services into financial and credit institutions andbanks, must be present upon the cost.b. Present existing methods don’t proper to cost determination and the most excellenttechnique of cost determination for banks, financial and credit institutions, includemake use of Activity Based Costing (ABC) technique. Manuscript profile -
Open Access Article
57 - Presenting a pattern of money laundering control in the banking system of the Government of Iran with emphasis on the factor of public culture
abdolmahdi torabiyan masoud pourkiani saeid sayadiIntroduction and purpose of the research: The purpose of this study is to present a pattern of money laundering control in the banking system of the government of the Islamic Republic of Iran with emphasis on the factor of public culture. Research Method: In this study, MoreIntroduction and purpose of the research: The purpose of this study is to present a pattern of money laundering control in the banking system of the government of the Islamic Republic of Iran with emphasis on the factor of public culture. Research Method: In this study, first the factors affecting money laundering control for public culture were identified through a survey of experts using Delphi technique, and then these factors were tested in the form of a model designed in the statistical community. The statistical population of the study was 321 people, all senior managers of Kerman National Bank branches, and 200 people were selected as the sample. Data collection tools were interviews and questionnaires (2 questionnaires). The data were analyzed in SPSS and AMOS22 software. Findings: Factor analysis results show that the components of "moving away from the state economy" and "e-banking" were the most important in explaining the money laundering variable, so that the component of moving away from the state economy 90% and the component of e-banking 86%. Conclusion: Money laundering has become one of the most important issues in many countries and can have far-reaching consequences for the economy of any country, and the relevant institutions must pay special attention to take action to combat this issue. Manuscript profile -
Open Access Article
58 - Pattern of Deviant Political Behavior Management Strategies in Banking Industry using a Qualitative Approach
atefe EbrahimpourAhandani saeed jafarinia akbar hassanpoor mehdi KheirandishBanking is a dynamic, increasingly growing, profitable, and highly competitive industry and the occurrence of various deviant political behaviors to obtain higher benefits is undeniable. Behaviors that have many negative consequences. To this purpose, in the current res MoreBanking is a dynamic, increasingly growing, profitable, and highly competitive industry and the occurrence of various deviant political behaviors to obtain higher benefits is undeniable. Behaviors that have many negative consequences. To this purpose, in the current research, the pattern of deviant political behavior management strategies in banking industry is presented. In addition to using library studies, the required data were obtained using qualitative method and thematic analysis strategy and conducting in-depth interviews with 21 experts in banking industry, who were selected using non-random sampling method. Then the pattern of deviant political behavior management strategies was designed, and after performing six stages of thematic analysis, 36 solutions were counted and coded, finally, 7 comprehensive solutions, including carrier path management and employees empowerment, attitude and behavior management, establishment of a transformational management system, organizational culture management, establishment of a fair services compensation system, organization-environment interaction management, and promotion of professional ethics were presented for effective management of deviant political behaviors Manuscript profile -
Open Access Article
59 - The Effect of Realization of Social Development Banking Model on the Development and Economic Development of the Country with Emphasis on Banking Network
davood moradi محمدتقی sh طلیعه khIn this paper, the definition of the concept of social development of the bank and its differences with commercial banks based on the World Bank Institute of Education and Social Banking and the survey in this area, the requirements and operational requirements of this MoreIn this paper, the definition of the concept of social development of the bank and its differences with commercial banks based on the World Bank Institute of Education and Social Banking and the survey in this area, the requirements and operational requirements of this business model using interpretation and using From Max Weber's comments, George Simmel and Amartyasen Tibin. According to Weber's theory, the intellect of capitalism, along with the spirit of mutual morality, can boost and encourage. Also, according to Simmel's theory, it can be seen that money affects all social relationships, and human freedom can be determined by the same subject. Then, through the research methodology, the statistics and valid data of the network are based on data from the Ministry of Economy And assets as well as the central bank in 1393 and 1394, the performance of the banks of the country has been evaluated, which results in the lack of consistency, lack of transparency, lack of suitable criteria for bank deposits and also lack of balanced distribution. As a result, in order to achieve a social development community, a variety of commonly used models that are tailored to the economic structure of the country are presented and used. Manuscript profile -
Open Access Article
60 - Providing a model of sustainable banking development in Iranian governmental Bank with an emphasis on green banking
Mohammad Ali Jafari gorji Reza Najaf Beigi Abolhassan Faghihi Mohammad Javad Kameli The present study was conducted with the aim of providing a model of sustainable bankingdevelopment in Iranian governmental bank with an emphasis on green banking. The present study was basicresearch of the quantitative method and was descriptive-analytical method More The present study was conducted with the aim of providing a model of sustainable bankingdevelopment in Iranian governmental bank with an emphasis on green banking. The present study was basicresearch of the quantitative method and was descriptive-analytical method, which was implemented with thestructural equation modeling approach based on survey method. The statistical population consisted of staff andstaff managers and experts of state banks, 291 of whom were randomly selected for relationships betweenvariables based on Cochrane's formula. For quantitative data analysis, structural equations modeling and SPSSand PLS software were used. The results showed that according to the obtained model, the casual conditions ofsustainable banking development in Iranian governmental bank with an emphasis on green banking are;"Providing advice for the provision of services by experienced human resources", "Preserving and supplyingresources and environment by suppliers", the context conditions of sustainable banking development in Iraniangovernmental bank with an emphasis on green banking are; "Rebuilding the culture of society", "OrganizationalFeatures", "Evaluation of managers based on meritocracy", "Investment Environment Analysis", the interveningconditions of sustainable banking development in Iranian governmental bank with an emphasis on greenbanking are; "Legal System", "Political system and environment", "Financial System" and the strategies ofsustainable banking development in Iranian governmental bank with an emphasis on green banking are;"Strategic Analysis", "Financing from contributors", "Improving political and communication conditions", "Riskcontrol in order to attract investment plans". Therefore, managers of Iranian governmental banks should befamiliar with the goals and plans of green banking and place it at the top of the vision and mission of thebanking industry. Manuscript profile -
Open Access Article
61 - Evaluation of Bank Oriented Environmental Social Responsibility in Order To Reduce Emissions in Industrial Production and Macroeconomic Levels in Iran: Application of Blanchard-Quah Decomposition (BQ) and Bootstrap Standard Error (BSE)
mahdi ghaemiasl Mohammad Nasr Isfahani Sirus CharkhBackground and Objective: Environmental responsibility as an important aspect of social responsibility is a necessary condition for survival and success ban and banks are trying to invest in activities that can improve the conditions of society and protecting the enviro MoreBackground and Objective: Environmental responsibility as an important aspect of social responsibility is a necessary condition for survival and success ban and banks are trying to invest in activities that can improve the conditions of society and protecting the environment. The aim of this study was to evaluate suppliers based bank's environmental social responsibility to reduce emissions in both industrial and macroeconomic production levels. Method: In this study to investigate the contemporaneous, long-run and dynamic effects of facilities granted by the banking system to the private sector on the emission of environmental pollutants at two levels of industrial production (industry sector) and aggregated economic activities (macroeconomic), the structural VAR method (SVAR), Bootstrap Standard Error (BSE) and Blanchard-Quah Decomposition (BQ) is used. Findings: The results of contemporaneous and long-term effect matrixes in macroeconomic SVAR model shows that, A financial shock (with the size of a standard deviation) due to Bank support facilities to aggregated economic activities and from disturbance term of DLTLOA, led to a 0.0387 percent increase in the level of environmental emissions in the first period, but in the long run has no significant effect on the level of emissions. In addition, the result of industrial sector shows that a financial shock, led to a 0.0397 percent increase in the level of environmental emissions in the first period and its long-term impact on the level of environmental emissions is 0.0695 percent incensement. Estimation of dynamic effects also shows that in both industrial sector and the macroeconomic level, all shocks led to emissions incensement. Discussion and Conclusion: The banking sector with the support of sectors of the economy, especially the industrial sector, has failed to play proper role in its serious social responsibility in the area of production with clean technology and methods and in practice, has become financial supporter of unqualified pollutant industries and productions. It seems as improper support structure of the banking system from industries and pollutant producers, to be followed by increasing in environmental emissions, the reform of the banking support structure and facilities, can lead to environmental improvements. Manuscript profile -
Open Access Article
62 - Validating the network policy making model in the field of digital banking in Iran
Mehdi Ghadami Morteza Mousa Khani Sayyed Mehdi Alvani Hamid Reza YazdaniGiven the increasing changes and transformations in various fields, including public policy-making, critics of public administration believe that hierarchical models are not efficient enough to address current challenges. For this reason, in pursuit of new solutions, th MoreGiven the increasing changes and transformations in various fields, including public policy-making, critics of public administration believe that hierarchical models are not efficient enough to address current challenges. For this reason, in pursuit of new solutions, the concept of networking has been entered the field of public administration issues and public policies. Networks make it possible to identify all stakeholders and involve them in the policy-making process. Regarding to the important fact that the digitalization of the economy and following that, the banking industry is one of the phenomena of the present age, the digital banking requires networking public policy-making with keeping actors, stakeholders and influencers in mind.The aim of this study has been the identification and validation of the dimensions and components of the digital banking network policy-making model in the Iran banking system. The research method is using qualitative (focusing on Thematic Analysis) and quantitative analysis techniques (based on the Confirmatory Factor Analysis - CFA). Manuscript profile -
Open Access Article
63 - Identifying the influential macro factors in the creation of non-performing loans by the method of theme analysis, the case study of Bank Mehr Eghtesad
SADEGH ANSARI Seyed Mohammad Hasheminejad Abdolreza TalanehNon-performing loans are a critical factor in assessing the profitability of banks and their influence on the financial system. This research tries to identify the influential macro factors in forming non-performing loans of Bank Mehr Eghtesad branches in the country. T MoreNon-performing loans are a critical factor in assessing the profitability of banks and their influence on the financial system. This research tries to identify the influential macro factors in forming non-performing loans of Bank Mehr Eghtesad branches in the country. This research is qualitative and exploratory based on the type and nature of the data. Therefore, it benefits from the theme analysis method. An interview protocol is used to collect data. Also, in terms of the purpose, it is considered among applied and developmental research. The research population includes 20 persons who are the managers and deputy managers of Bank Mehr Eghtesad branches in the provinces and experts of accounting, economics, financial management, and banking. The participants' method in the interview is an exploratory focus group; the purposeful snowball sampling method is used to define the target groups of informants according to the research topic, problem, and situation. They participated in this study From May to August 2022. The data from the interviews has been analyzed with the help of MAXQDA software to analyze the theme during the three main stages of open, central, and selective coding. The results indicate that in cretating non-performing loans the three significant macro factors of the lack of transparency of administrative laws; inflation rate and profit; the pressures of banking interest groups have had a significant impact compared to other factors. Manuscript profile -
Open Access Article
64 - Identifying and prioritizing the key indicators of financial technology evaluation in Iran's banking industry based on the DNAP technique
Taher Alizadeh zohreh mousavi kashi Azam Shokri Cheshmeh SabziThe purpose of this research is to identify and prioritize the key indicators of financial technology evaluation in Iran's banking industry based on the DNAP technique, In this research, using a mixed-method design. This research is exploratory-descriptive based on the MoreThe purpose of this research is to identify and prioritize the key indicators of financial technology evaluation in Iran's banking industry based on the DNAP technique, In this research, using a mixed-method design. This research is exploratory-descriptive based on the method of data collection and nature and development-applied in terms of purpose. In order to achieve the goals of the research using the snowball method, the opinions of 12 banking experts and university professors were used until the theoretical saturation stage. The process of data analysis was done in two stages. First: Identifying the key indicators of financial technology evaluation in Iran's banking industry through interviews and using thematic analysis method; Second: Determining the effectiveness, effectiveness and the degree of importance of the components through the questionnaire and DNAP method. The results of the research showed that the key indicators for evaluating financial technology in Iran's banking industry are 20 sub-indices as well as six main indicators including, new revenue models, interaction of financial technologies with customers , organizational innovation, and financial technology, technological innovation, organizational innovation and new business partners. The results of this research can be considered and used in the evaluation of the financial technology in Iran's banking industry Manuscript profile -
Open Access Article
65 - Analysis of Personal Banking Business pattern (Refah.k bank Case Study)
ebrahim abbasi Mahmood Rezaie bonjarAbstractthis study aimed to identify the business model of personal banking in the bank of Refah Kargaran. By identifying the personal business pattern and the main component in implementing these pattern based on Osterwalder and Pigneur business ontology and using desc MoreAbstractthis study aimed to identify the business model of personal banking in the bank of Refah Kargaran. By identifying the personal business pattern and the main component in implementing these pattern based on Osterwalder and Pigneur business ontology and using descriptive-regression method and path analysis model, the result of this research represents employment of unbundling and somewhat the long tail pattern in implementing personal banking. As the results of the research show, confirmation of the use of two distinct business patterns, reflects the concentration Bank Refah Kargaran on branding, customer segmentation and service provision. Also, the rejection of the hypotheses of using the three business pattern of multi-sided platform, open, and FREE, reflects the need to review the business pattern used by the bank for the benefit of the workers to benefit from personal banking. Manuscript profile -
Open Access Article
66 - Identification and ranking of the marketing mix of services in the banking industry focusing on financial services & Investment using DEMATEL
Reza Mohammadkazemi saeed kardar Mahnaz PourizIn the current competitive market, identify the major factors affecting the behavior of consumers is considered very important. Every organization needs to know to capitalize on one of the highest yield will be. The banks with the complex world of competition that they MoreIn the current competitive market, identify the major factors affecting the behavior of consumers is considered very important. Every organization needs to know to capitalize on one of the highest yield will be. The banks with the complex world of competition that they face, they need to recognize these factors. The factors that the manufacturing industry is different. Therefore, banks need to identify its own marketing mix and also have knowledge of the most important factors. Therefore, after reviewing research literature, these factors combined to identify and then using DEMATEL, to rank them and thus introduce the most important factor. According to the results, of which the price and the staff are most effective. Manuscript profile -
Open Access Article
67 - Modeling the Relationship between Efficiency, Risk and Capital in the Iranian Banking System
sayed majid koocheki mohammad hasan janani Mohammadreza Setayesh Mahmoud HematfarAbstractIn this study, we first calculate and estimate the efficiency of all banks listed in the Iranian Stock Exchange in the period 2012-2012. This estimation is made using the model of Eegner et al. (1977). Then, using the three-stage model presented by Shrews & MoreAbstractIn this study, we first calculate and estimate the efficiency of all banks listed in the Iranian Stock Exchange in the period 2012-2012. This estimation is made using the model of Eegner et al. (1977). Then, using the three-stage model presented by Shrews & Dahl (1992), Kay Van & Eisenberg (1997) and Altonbass et al (2007), using the Simultaneous Equation Path Analysis method to investigate the relationship between productivity, risk and We have capitalized and calculated the direct and indirect impact of these variables and their impact on each other. The results show that the model used is appropriate and there is a significant relationship between these three variables. The data obtained from this analysis, based on the adjusted coefficient of determination obtained from the research model, show that the impact of productivity and banking risk on capital is greater.Keywords: Banking Productivity, Banking Risk, Capital, Route Analysis Manuscript profile -
Open Access Article
68 - Identifying the factors affecting the acceptance of Multi-purpose Card Innovation in investment Bank and ranking the factors with the fuzzy approach
Abbas khamsehMulti-purpose Card in investment bank (branches in Tehran city) by five main factors including satisfaction, external variables, organizational factors, supportive factors, collaboration and coordination factors, and 28 indicators. The level of effectiveness of these in MoreMulti-purpose Card in investment bank (branches in Tehran city) by five main factors including satisfaction, external variables, organizational factors, supportive factors, collaboration and coordination factors, and 28 indicators. The level of effectiveness of these indicators in the innovation acceptance of the research model is processed after designing a Likert-spectrum questionnaire and distributing it to 240 managers, experts and clients of investment Bank branches in Tehran, using the structural equations and LISREL software, which 5 factors with 23 indices were finally accepted. According to the research, a successful innovation acceptance in investment Bank requires consideration of all the above factors. The results also indicate that social factors of service innovation are of prime importance and special attention to social factor indices has a significant impact on acceptance of the multi-purpose card innovation in investment Bank. Manuscript profile -
Open Access Article
69 - New Customer Oriented Banking: Approaches, Challenges and Patterns
Seyed Ali Jalali Nazari Kambiz Heidarzadeh Hamid Reza SaeedniaAs an industry operating in the money market, banks and banking have gone through a paradigm shift due to the digitalization of business. Thus, the industry has to pay attention to potential and actual customers for sustainability in the age of the digital economy. This MoreAs an industry operating in the money market, banks and banking have gone through a paradigm shift due to the digitalization of business. Thus, the industry has to pay attention to potential and actual customers for sustainability in the age of the digital economy. This has led it to be considered as one of the knowledge and professional topics in studies.In this study, the researcher focused on the issue of new customer-oriented banking. Accordingly, he concentrated on approaches and challenges aimed at identifying components effective on the banks' customer orientation such as their confusion using the in-depth interview approach. Ultimately, an appropriate model was presented as the outcome.Based on summarizing the research results, out of the total identified factors resulting from axial coding, a limited number of factors like the competitiveness of banks had a significant impact in this regard. Hence, banks may need to pay attention to such factors and invest in them to strengthen the durability of their activity, profitability, and value-creation. Moreover, reducing the customer’s confusion was found to be an effective factor in competitiveness.Keywords: New Banking, Digital Economy, Investment, Banks’ Competitiveness, Customer-Orientation, Customers’ Confusion. Manuscript profile -
Open Access Article
70 - Identifying and Ranking Digital Marketing Factors in the Banking Industry: with an Emphasis on Financial and Investment Services (using Grounded Theory)
Elmira Emsia Javad JanmohammadiWith the increasing growth of digital marketing in the field of financial services of banks, the level of awareness of customers about the quality of banking services has increased. Therefore, customers no longer accept any kind of services, and this causes an increase MoreWith the increasing growth of digital marketing in the field of financial services of banks, the level of awareness of customers about the quality of banking services has increased. Therefore, customers no longer accept any kind of services, and this causes an increase in the number of competitors in the bank. Therefore, banks should seek to strengthen their competitive position by identifying marketing challenges and opportunities. The purpose is to identify and rank the opportunities and challenges of digital marketing in the banking industry with an emphasis on financial and investment services (by Grounded Theory) in Sepah Bank. The research was conducted in two parts. First, with a qualitative approach, opportunities and challenges were identified from experts in the field of digital marketing in the bank, and second, in order to survey the findings of the qualitative section and also to rank an opportunities and challenges from the experts' point of view, the approach Quantitative and Shannon entropy were used. In the qualitative part, 9 semi-structured interviews were analyzed using the content analysis method, and in the quantitative part, the identified dimensions and sub-indices were weighted and ranked using the Shannon entropy analysis. The results showed that the most important dimension is the promotion dimension, and the most important indicator is the analysis of customer behavior, and the most important challenge is the technical dimension, and the most important indicators are a lack of digital culture, the lack of attractiveness of content, services and needs to expert employees. Manuscript profile -
Open Access Article
71 - leverage decisions , economy policy uncertainty and peer-bank behavior in accepted banks of TSE
sepideh kazemi maryam khalili araghi hashem nikoumaramdealing with rivals is a common and important note for banks. Previous studies have shown that matched and competing banks play an important role in shaping a variety of banking policies, but the impact of the behavior of matched and competing banks on corporate financi Moredealing with rivals is a common and important note for banks. Previous studies have shown that matched and competing banks play an important role in shaping a variety of banking policies, but the impact of the behavior of matched and competing banks on corporate financial decisions is often overlooked. In this regard, this study investigates the impact of the uncertainty of economic policy and bank characteristics on the leverage decisions of financial institutions considering the role of peer-bank behavior. The statistical population of this research is the banks listed on the Tehran Stock Exchange during the period 2016 to 2020. The results showed that the average ratio of net industry profit, the average ratio of market value to book value of industry and fluctuation of net industry profit do not affect the leverage decisions of the bank. However, the average logarithm of the total assets of the industry influences the leverage decisions of the bank. Overall, the results show that like-minded banks do not imitate their industry in choosing foreign financing policies Manuscript profile -
Open Access Article
72 - Digital transformation in corporate banking: theoretical approach and behavioral analysis
Shadi Oyarhossein abbas toloie eshlaghy Reza Radfar Alireza Pour EbrahimiDigital economy and changes are the results of the arrival of technology to the world of economics and its work. Among other things known as the international economy and evolution of the world, it is the banking industry and especially corporate banking.The article fit MoreDigital economy and changes are the results of the arrival of technology to the world of economics and its work. Among other things known as the international economy and evolution of the world, it is the banking industry and especially corporate banking.The article fits into digital changes in the age of data from one side and the effect from the other.The theoretical study of the present is knowledge of literature of the subject, the result of which is to produce scientific knowledge.The results of research show that digital transformation and digitalization are a lot of work from the upstart of the third millennium, and, most important of all, it has been a reaction to banking industry and corporate banking.It also based on knowledge and history, upon conditions which research as the basis of scientific research. Manuscript profile -
Open Access Article
73 - Providing a model for evaluating the performance and position of banks based on the innovation of financial technology services
ali beigvand Fraydoon Rahnamay Roodposhti Hoda Hemmati narges yazdanianAbstractThe purpose of this research is to provide a model to evaluate the performance and position of banks based on the innovation of financial technology services. The current research community was formed by university professors and experts as well as Central Bank MoreAbstractThe purpose of this research is to provide a model to evaluate the performance and position of banks based on the innovation of financial technology services. The current research community was formed by university professors and experts as well as Central Bank managers and experts. In this research, the opinions of 13 experts were used using non-random judgment method. The process of data analysis in two stages to identify the factors affecting the evaluation of the performance and position of banks based on the innovation of financial technology services, through the interview tool and using the theme analysis method, as well as the screening of factors through the questionnaire tool and the fuzzy Delphi method was performed. Based on this, in the stage of identifying the dimensions and components using theme analysis and during the stage of getting to know the data, 43 cases of speech evidence identified from the text of the interviews were labeled in the form of 40 primary codes. Next, the primary codes were categorized into 19 sub-themes and then a main theme. In the Delphi phase, all the components were approved by the experts and finally the research model was drawn. Manuscript profile -
Open Access Article
74 - Design of Financial Procedure Patterns for supply Chain with Credit Coverage Approach by Agricultural Bank
mahdi hajian mohsen hamidian roya darabiImproper financing of the financing chain, ie lack of proper distribution of credit and payment of facilities to producers and, consequently, delay in receipt and increase of credit risk, which indicates that the financing chain in the agricultural bank needs to be opti MoreImproper financing of the financing chain, ie lack of proper distribution of credit and payment of facilities to producers and, consequently, delay in receipt and increase of credit risk, which indicates that the financing chain in the agricultural bank needs to be optimized. Therefore, the main purpose of this study is to design a financing model for the supply chain with the approach of credit risk coverage by the Agricultural Bank.This research is of exploratory qualitative type based on purpose, development and has used inductive approach. The community of experts, all senior managers in the field of credit and all members of the board of directors of the Agricultural Bank are located in the headquarters.The sampling method is purposeful-judgmental, the data were collected by field method by conducting semi-structured in-depth interviews. Using the data foundation method, the research model was obtained in three coding steps using the Strauss and Corbin method. The validity of the model was validated by dual interaction and the reliability was validated by retesting.The findings identified sixty-three indicators in seventeen dimensions. It has two components in causal conditions, two components in contextual conditions, two axial components, eight strategic components, two intervening components and two consequence components.It was concluded that the implementation of corporate banking can plan the financing chain and the bank will be able to create a financing chain for each industry separately and guarantee the success of financing chains for various industries is to establish risk management in the bank. Manuscript profile -
Open Access Article
75 - Future scenarios of the banking industry
morteza TAVAKOL Akbar Etebarian Amirhushang Heidari Amirreza NaghshChanges in customer needs, behaviors and expectations,Trends in digital technology, banking business trends and the emergence of non-bank competitors (fintech), intensifying market competition between banks and non-bank credit institutions, changing pricing models and c MoreChanges in customer needs, behaviors and expectations,Trends in digital technology, banking business trends and the emergence of non-bank competitors (fintech), intensifying market competition between banks and non-bank credit institutions, changing pricing models and costs of banking services, changing the ecosystem of banking activities and rules and The new regulations have challenged banks. The advent of distributed networks such as blockchain, by creating transparency in transactions and open participation in operations, has moved the banking and business processes towards an automated, coordinated and unreliable global framework; While aiming to reduce intermediaries, it also warns banks of the risk of eliminating banks or reducing customers. The present study examines the banking industry by asking the question "What are the future scenarios of the Iranian banking industry?" with library studies and combining two qualitative and quantitative approaches, "Schwartz critical uncertainties" and "Cross impact analysis" and constructing four scenarios: "Phoenix Rises" "Busy Architects-Drugs Awake" "Farang City" and "Burnt City", and analysis of factors and drivers affecting the banking industry, pave the way for charting the future of the country's banking industry and creating and maintaining their competitive advantage has done. Manuscript profile -
Open Access Article
76 - Asset Securitization in leasing industry
Fraydoon Rahnamay Roodposhti Mahdiyar Sarshar S. Mohammadjavad MirtaherLeasing companies play an important role in meeting the needs of firms and households. These companies can resolve liquidity problem of their customers by providing their various products. But despite these advantages, leasing industry is relatively young and less devel MoreLeasing companies play an important role in meeting the needs of firms and households. These companies can resolve liquidity problem of their customers by providing their various products. But despite these advantages, leasing industry is relatively young and less developed in Iran. One of the major problems in the path of growth and development of leasing companies is Failure in providing reliable and stable financial resources at different periods of time. From the past, difficulties in financing leasing companies are a key issue in the industry that occupied the minds of managers. The performance of leasing industry in Iran shows that leasing industry at different periods of boom and recession has failed to show the same performance and stability. One of the key causes in the process of stable financing is existing shortcomings. Hence, it is vital to using modern methods, diversified and stable financing in leasing companies in Iran within the interest-free banking system. One of the most effective methods to finance leasing companies in Iran is securitization of assets. It can be said that balance sheet assets of leasing companies which have the ability to transform into securities include assets resulting from installment sale and lease-purchase .This study tries to design and offer asset securitization process in Iran and leasing companies within the interest-free banking and finds proper response to the problems raised in the area of financing leasing companies. Manuscript profile -
Open Access Article
77 - Examining the Effects of Healthy Banking Indicators in Determining the Asset-Liability Management (ALM) Strategy by Focusing on Capital Adequacy Ratio (CAR) Index
Mohammad Hossein Setayesh Mohammad Hossein FathehThe aim of the present study is to examine the impact of healthy banking indicators in determining the asset-liability management (ALM) strategy. In order to achieve this objective, 20 bank branches with specific considerations were studied between 2009 and 2014. Pearso MoreThe aim of the present study is to examine the impact of healthy banking indicators in determining the asset-liability management (ALM) strategy. In order to achieve this objective, 20 bank branches with specific considerations were studied between 2009 and 2014. Pearson correlation and multivariate regression model were used to analyze the data. The bank size (bank balance and trade volumes) was considered as the asset/liability index, and the indicators of a healthy banking system such as asset quality, management (efficiency), profitability and liquidity were considered as independent variables. The results of this study suggest that indicators of capital adequacy, return on assets and return on capital have a positive and significant impact on asset and liability management. Management (efficiency) and liquidity indexes showed no significant effects. Manuscript profile -
Open Access Article
78 - A Study of E-Banking Security Measures Adopted by the Indian Public Sector Banks with an Outlook For Globalization
Mohammad Javad Azizi Sorkhani Hamidreza KordlueiNowadays e-banking services that take place through virtual and public channels play special role in the life of people around the world. Therefore, lack of security on performance of national and international banks in the context of globalization and distrust of peopl MoreNowadays e-banking services that take place through virtual and public channels play special role in the life of people around the world. Therefore, lack of security on performance of national and international banks in the context of globalization and distrust of people to these services will lead to undesirable effects. Hence, security is one of the most important elements that will affect banking transactions and its shortage prevents the development of business. For the same reason, the need for information security is determined in the banking system. Accordingly, several factors in art infrastructural facilities (AIF) area and operational risk management (ORM) area are considerable which are presented as research variables. The results suggest that in order to provide more security in e-banking transactions, banks have to create security policies such as internet security. In addition, they need to strengthen infrastructural factors in the fields like getting access to other banks, quality of infrastructure, and reserve bank of India (RBI) activity for e-banking supported systems. Manuscript profile -
Open Access Article
79 - An Interval PROMETHEE II Approach for Multi-Criteria Ranking Problem of the Bank Branches in Iran
S. Torkan A. Mahmoodirad S. Niroomand S. GhaneAn important and core issue for the managers of banking sector is to evaluate and rank the branches of a bank. In this study, a typical multi-criteria ranking problem for the Tose’e Ta’avon bank branches in Khuzestan province of Iran as a case study is defin MoreAn important and core issue for the managers of banking sector is to evaluate and rank the branches of a bank. In this study, a typical multi-criteria ranking problem for the Tose’e Ta’avon bank branches in Khuzestan province of Iran as a case study is defined and solved. For this aim, first a set of important criteria for evaluating banking sector are selected from the literature and experts of the field. Then, for coping with the uncertain nature of the real-life problems, the data of the bank branches in the selected criteria for the past years are obtained and represented as interval values. A decision framework consisting of two phases are proposed to rank the given bank branches. In the first phase the criteria are weighted by the methods such experts’ opinions, interval Shannon’s entropy, and linear combination of these two methods. In the second phase, the classical PROMETHEE approach is extended to its interval form and applied to rank the bank branches. By implementing the proposed solution methodology on the case study, several rankings are obtained and their similarities are compared to each other. The decision maker can consider any of the rankings for further managerial decisions. Manuscript profile -
Open Access Article
80 - Evaluation of customer satisfaction about Bank service quality
A. R. Shahraki -
Open Access Article
81 - The Effect of Green Banking actions on Environmental Performance of State-owned Banks in Khorramabad county
esfandyar mohammadi marjan arvanehBackground and Objective: as environmental issues become more important in recent years, most banks are trying to achieve not only their economic goals, but also minimize the environmental damage by proper planning and application of appropriate methods. Hence, the conc MoreBackground and Objective: as environmental issues become more important in recent years, most banks are trying to achieve not only their economic goals, but also minimize the environmental damage by proper planning and application of appropriate methods. Hence, the concept of green banking has emerged in the banking system with the aim of protecting the environment and sustainable development. Due to the importance of the issue, in the present article, the impact of green banking measures on the environmental performance of the bank has been investigated. Material and Methodology: the present study is a cross-sectional survey in terms of practical purpose and method and time frame of data collection. The statistical population of this study is the experts of state-owned banks in Khorramabad city, of which 242 people were selected as a sample using random sampling method. In this study, a standard questionnaire was used, the validity of which was validated through content validity and construct validity. Cronbach's alpha value and combined reliability of all dimensions of the larger questionnaire were obtained from 0.7. Which is approved. the collected data were analyzed using SPSS and LISREL statistical software. Findings: Findings indicate that green banking practices include: daily actions, customer oriented activities and bank’s policy have a significant impact on the environmental performance of the bank. Discussion and Conclusion: according to research finding, it has been conclouded that green banking in governmental banks in Khortamabad conty has positive impact on environmental performance. Manuscript profile -
Open Access Article
82 - Threshold effects of shadow economy on the relationship between financial depth, banking policies and macroeconomic fluctuations with socio-economic development
seyed nourdin hodaei Marjan Damankeshideh Manijeh Hadinejad شهریار نصابیانIn this study, the threshold effects of the shadow economy on the relationship between financial depth, banking policies and macroeconomic fluctuations with socio-economic development during the time period of 1401-1370 and the application of the soft transfer threshold MoreIn this study, the threshold effects of the shadow economy on the relationship between financial depth, banking policies and macroeconomic fluctuations with socio-economic development during the time period of 1401-1370 and the application of the soft transfer threshold approach (STAR) were investigated. The results of the nonlinear part of the model show a positive relationship between the financial depth variable and the economic development index. Shadow economy variables, exchange rate fluctuations, inflation, government spending, liquidity growth and nominal interest rate have a negative relationship with the socio-economic development index. so that the mentioned variables lead to reduction in order; 95%, 95%, 50%, 45%, 7% and 40% of economic development. The main channel of influencing the financial depth is done by increasing the efficiency of investment and monetary policies. Therefore, the way of financial market liberalization, the weakness of financial system management and the lack of formation of coherent financial markets and the benefit of regulations in the country can be seen as the reasons for reducing the efficiency of investment through the non-optimal allocation of resources in the country. As a result, more attention and effort should be done in the country to develop and make financial markets more efficient and as a result allocate resources more efficiently and increase investment efficiency. Manuscript profile -
Open Access Article
83 - An Explanation of Usury in Iran's Jurisprudence and Juridical System and the Ways of its Prevention
Afsaneh Aminikhah Tayebeh ArefniaThe purpose of the present study is to explain the nature of usury in Iran's jurisprudence and juridical system and the ways of its prevention. The method of research is descriptive-analytic and the results indicate that there are several causes involved in the criminol MoreThe purpose of the present study is to explain the nature of usury in Iran's jurisprudence and juridical system and the ways of its prevention. The method of research is descriptive-analytic and the results indicate that there are several causes involved in the criminology of usury which are effective in its occurrence; such as economic, social, and character causes which are all rooted in poverty and penury. Some other motivations that lead a person to commit this crime include laziness, evasion from work and activity and just seeking a shortcut to reach wealth and property. In order to oppose and prevent the crime of usury, the mass of people, including governmental and nongovernmental, should make an effort. Some ways to prevent the occurrence of usury involve correction and treatment of those who commit this crime, amendment and revision of previous laws, criminalization and even intensification of punishments against those who commit usury. Manuscript profile -
Open Access Article
84 - An Analysis of the Essence of Waiting Bonds in Jurisprudence; their Challenges and Inefficiencies
Manoochehr Ghafoori Mohammad Sadeghi Alireza RajabzadehThe present study aims to analyze the essence of waiting bonds in Islamic jurisprudence as well as their challenges and inefficiencies. The research method is descriptive-analytic and data collection was done by library method. The results showed that since bonds rely o MoreThe present study aims to analyze the essence of waiting bonds in Islamic jurisprudence as well as their challenges and inefficiencies. The research method is descriptive-analytic and data collection was done by library method. The results showed that since bonds rely on loans with interest, they are considered as a type of usury and Harām from the view of Islam. Thus they cannot be used in the Islamic countries for financial provision. To solve this problem, initially corporate bonds were issued; however, because they rely on physical plans, they will become useless when corporations face problems in buying finance and providing cash so financial experts have designed a new monetary tool to deal with this issue. Ultimately, Islamic financial instruments or bonds were produced through creating Islamic banking system. Although they have been release just recently and have not yet been tested amid financial crises and economic fluctuations, as well as other challenges such as religious restrictions, the contradictions between the Fatwās in Islamic financial affairs, the religious risk of using securities in the field of principles, lack of supply, stock-exchange game, lack of essential standards, legal and supervisory challenges, and ownership problems in bonds have created uncertainty in their long term success so the real risk ahead of investors will be immeasurable. Manuscript profile -
Open Access Article
85 - Study of Iran's social-Islamic banking with an emphasis on the sociology of money
کرامت الله راسخ mohammad reza Yazdanpanah مجیدرضا کریمیTo determine the sociology of money, it is better to study the works in two basic dimensions. The first dimension of the structural views (micro and macro) related to the pattern of roles and relationships of subjects, in the micro sector, money is exchanged between peo MoreTo determine the sociology of money, it is better to study the works in two basic dimensions. The first dimension of the structural views (micro and macro) related to the pattern of roles and relationships of subjects, in the micro sector, money is exchanged between people like an object, and in the macro sector, according to the policy and legal mechanisms governing the trade of the market. In the micro part, it is the beliefs and behaviors of people in relation to money, and in the macro part, it includes the civic values of society and religion. Islamic banking is implemented according to Sharia or Islamic laws, and its aim is to achieve social development through moral investment. The present study attempted to investigate the extent to wich the banking system in Iran was consistent with the principles of Islamic-social banking. This current study belongs to quantitative research and survey type. To collect the required data, 91 heads and deputies of Sepah Bank and former Ansar Bank branches in Shiraz participated in this project. To analyze the data, such descriptive statistics as frequency distribution, graphs, etc, and the inferential test (one-sample t-test) were used. The results of one-sample t-test showed that the banking system of Iran was based on Islamic laws and affected social affairs and people. While it led to profitability, it did not care about environmental issues. Manuscript profile -
Open Access Article
86 - Study of Iran's social-Islamic banking with an emphasis on the sociology of money
Mohammadreza Yazdanpanah Keramatollah Rasekh Majidreza KarimiTo determine the sociology of money, it is better to study the works in two basic dimensions. The first dimension of the structural views (micro and macro) related to the pattern of roles and relationships of subjects, in the micro sector, money is exchanged between peo MoreTo determine the sociology of money, it is better to study the works in two basic dimensions. The first dimension of the structural views (micro and macro) related to the pattern of roles and relationships of subjects, in the micro sector, money is exchanged between people like an object, and in the macro sector, according to the policy and legal mechanisms governing the trade of the market. In the micro part, it is the beliefs and behaviors of people in relation to money, and in the macro part, it includes the civic values of society and religion. Islamic banking is implemented according to Sharia or Islamic laws, and its aim is to achieve social development through moral investment. The present study attempted to investigate the extent to wich the banking system in Iran was consistent with the principles of Islamic-social banking. This current study belongs to quantitative research and survey type. To collect the required data, 91 heads and deputies of Sepah Bank and former Ansar Bank branches in Shiraz participated in this project. To analyze the data, such descriptive statistics as frequency distribution, graphs, etc, and the inferential test (one-sample t-test) were used. The results of one-sample t-test showed that the banking system of Iran was based on Islamic laws and affected social affairs and people. While it led to profitability, it did not care about environmental issues. Manuscript profile -
Open Access Article
87 - Effect of customer attitude in Internet Banking(Case study: Refah Bank Customers)
shadi AdibifardIntroduction: Internet banking is one of the methods used in banking operations. Fulfilling the needs and wishes of customers and creating satisfaction in them by meeting their expectations, while making them loyal to the bank, leads to an increase in financial resource MoreIntroduction: Internet banking is one of the methods used in banking operations. Fulfilling the needs and wishes of customers and creating satisfaction in them by meeting their expectations, while making them loyal to the bank, leads to an increase in financial resources and the survival of the organization. In addition, it provides the possibility of a stronger presence in the field of competition and a larger share of the market for the bank. This research has identified all the factors that can create customers' attitudes toward internet banking services. By identifying the influencing factors and increasing them, it is possible to create a desire to use and ultimately increase the actual and final use of Internet Bank.Method: This research is of an applied type and in terms of the method of gathering information it is in the category of descriptive research in terms of its nature and method it was classified as causal research because it discovered the cause or factors of an event in Refah Bank of Tehran. The statistical population of the research was the clients of Refah Kargaran Bank branches in Tehran, and 384 questionnaires were tested and the information was distributed and collected by a simple random cluster sampling method. The level of reliability and validity of the questionnaire was checked. In order to analyze the collected data, the method of structural equation modeling was used using Lisrel software, which basically examines the causal relationship between variables.Findings: The results of the research revealed the effect of quality, perceived fairness of service, technology acceptance and compatibility on attitude, the effect of quality, attitude and compatibility on satisfaction, the effect of satisfaction on electronic trust, the effect of satisfaction and electronic trust on the willingness to actually use. In addition, the positive effect of the quality of internet banking services on the attitude of customers means that when the quality of banking services is high from the point of view of the customer, the attitude of the customers will also be positive.Discussion: In order to pay attention to and emphasize the quality of internet banking services and indicators such as reliability, responsiveness, availability, adequacy, and security of the network, attention, and emphasis should be given to the perceived justice in addition to attention and emphasis to the acceptance of internet banking service technology. And paying attention to the compatibility of customers with internet banking services and indicators such as creating a good feeling by using internet banking services. Also, emphasis should be placed on the attitude of customers towards internet banking and indicators such as beliefs and positive or negative view toward internet banking.Keywords: customers’ attitude, Internet bank, Technology acceptance, Digital banking. Manuscript profile -
Open Access Article
88 - Investigating the effect of electronic recommendation stimuli on acceptance of banking along with initial trust
Ebrahim Zarepour Nasirabadi alireza youzbashi mina azarbayejani nahid saravi moghadamIntroduction: In this study, the effect of electronic advisory stimulus (quality of reasoning, value, consistency, and volume) on the acceptance of mobile banking and initial trust among Parsian banks in Tehran was investigated. The present study uses a correlation meth MoreIntroduction: In this study, the effect of electronic advisory stimulus (quality of reasoning, value, consistency, and volume) on the acceptance of mobile banking and initial trust among Parsian banks in Tehran was investigated. The present study uses a correlation method based on post-event observations and regression analysis of a kind of structural equation to predict the relationship through a set of independent and mediated changes.Method: The statistical population of the study includes Parsian Bank customers. To collect data, a questionnaire was designed among private banks the sampling method was a simple cluster random sampling and the number of samples was 506. The software used in this study was a laser. The results show that Parsian Bank's mobile banking acceptance increases value, compatibility, and engagement by strengthening the quality of argumentation of electronic recommendation stimuli, but the volume of comments does not affect mobile banking acceptance. Also, Parsian Bank's trust increases through increasing consumption, quality of argumentation of electronic recommendation stimuli, value, compatibility, and volume of comments. The quality of the rules of e-recommendation stimuli, initial trust, value, the volume of feedback, and compatibility also increase through consumption In this study, the effect of electronic advisory stimulus (quality of reasoning, value, consistency, and volume) on the acceptance of mobile banking and initial trusts among Parsian banks in Tehran was investigated. The present study uses a correlation method based on post-event observations and regression analysis of a kind of structural equation to predict the relationship through a set of independent and mediated changes. The statistical population of the study includes Parsian Bank customers. To collect data, a questionnaire was designed among private banks the sampling method was a simple cluster random sampling and the number of samples was 506. The software used in this study was a laser.Discussion: The results show that Parsian Bank's mobile banking acceptance increases value, compatibility, and engagement by strengthening the quality of argumentation of electronic recommendation stimuli, but the volume of comments does not affect mobile banking acceptance. Also, Parsian Bank's trust increases through increasing consumption, quality of argumentation of electronic recommendation stimuli, value, compatibility, and volume of comments. The quality of the rules of e-recommendation stimuli, initial trust, value, the volume of feedback, and compatibility also increase through consumption. Manuscript profile -
Open Access Article
89 - Determining the interest rate on deposits in the Iranian banking system: cooperative or competitive game between the central bank and followers?
Mehdi Memarpour Ashkan Hafezalkotob Mohammad Khalilzadeh Abbas Saghaei Roya Soltani -
Open Access Article
90 - Investigating the Effect of FinTech Implementation Components in the Banking Industry of Iran
Mohammad Gholami Peyman Ghafari Ashtiani Majid Zanjirdar Gholamali Haji -
Open Access Article
91 - Open Banking Innovation Model by Digital Transformations Based on Adaptive Neuro Fuzzy Inference System (ANFIS)
Mohammadali Mirfallah Lialestani Abbas khamseh -
Open Access Article
92 - Barriers to the Implementation and Use of Internet Banking in the Keshavarzi Bank
Morteza Gholamian Hossein Hakimpour Azar Kafashpour Mehdi Mahmoudzadeh -
Open Access Article
93 - Designing a Systemic Model for Promoting the Adoption of Virtual Banking in Iran's Banking Industry
Monireh Akbari Mahdi Mahmoudzadeh Vashan Hossein Hakimpour -
Open Access Article
94 - The relationship between the performance of non-usury banking and innovations types with the mediating role of Islamic knowledge (Case study Melli banks of Qazvin province)
Mohsen Rahmani Mehdi ZakipourIn non-usury banking, the need for innovation is felt more than before, and its development depends on the creation of Islamic knowledge among employees.Purpose: The present research has examined the impact of different kinds of innovation on non-usury banking performan MoreIn non-usury banking, the need for innovation is felt more than before, and its development depends on the creation of Islamic knowledge among employees.Purpose: The present research has examined the impact of different kinds of innovation on non-usury banking performance in Melli Bank of Qazvin province and the mediating role of Islamic knowledge in this regard. The purpose of this research is to determine the impact of various innovation types on Islamic knowledge and provide the relevant scientific solutions to improve the performance of non-usury banking.Methodology: The research method is a quantitative survey. The data was collected from a sample of 225 employees of Melli banks in Qazvin province using standard questionnaires. The hypotheses were tested using structural equation modeling by partial least squares method and using Smart PLS software.Findings: Findings for the hypotheses with direct effect showed that all types of innovations have a direct, positive and significant effect on Islamic knowledge and non-usurious banking performance (first and second hypothesis), and Islamic knowledge also has a direct, positive and significant effect on non-usurious banking performance (the third hypothesis). The results of the structural model test for the mediation hypothesis showed the confirmation of this hypothesis which emphasizes the vital role of Islamic knowledge among the types of innovation and the improvement of non-usurious banking performance (fourth hypothesis).Conclusion: In general, the creation of Islamic knowledge can enrich the impact of various innovations on non-usurious banking performance, and considering that Islamic knowledge is an important source for the performance of non-usurious banking, there is an urgent need for methods of production, sharing and application of this knowledge in banking. Manuscript profile -
Open Access Article
95 - Determination of the Interest Rate of Facilities in Islamic Banking (Case Study Agricultural Bank)
Maids Amirpour Sorkhy Azam Rezaeyan Joibary -
Open Access Article
96 - Investigating the Effectiveness Constructs on Digital Technologies Adoption in Banking Systems
Fatemeh Mohamadebrahimzade Sepasgozar Yousef Ramezani sharifeh sargolzaei Samad MohamadebrahimSepasgozarNew technologies have made it possible to make fundamental changes to the banking system and financial processes. Banks use new technologies based on their own circumstances, including the level of training and readiness of customers. In the meantime, the lack of a clea MoreNew technologies have made it possible to make fundamental changes to the banking system and financial processes. Banks use new technologies based on their own circumstances, including the level of training and readiness of customers. In the meantime, the lack of a clear understanding of the level of adoption of bank customers from digital services is a key issue for the banking industry. Recent research does not measure the view of both users of technology that includes bank customers. One of the major challenges facing banks today is the accurate understanding of factors affecting user behavior. Therefore, this paper has been conducted with the aim of investigating the factors affecting the intention to use the customer in the banking system. The research model is based on technology acceptance model and theory of planned behavior. This is an applied research. Data were collected through a survey of 200 questionnaires distributed among users at the Mehr Bank Branches of North Khorasan Province. Reliability and validity of the questionnaire were analyzed by SPSS and Amos softwares. The results of the analysis show that the effect of perceived ease of use and perceived usefulness of the confirmation attitude and the effect of attitude and perceived usefulness of the intention to use in the customer is direct and significant and the effect of behavioral control on the intention to use, is significant and inverse. But the effect of subjective norms on intention to use is not confirmed. Manuscript profile -
Open Access Article
97 - Identifying cultural dimensions affecting the attraction of Iranian customers to electronic banking services (Case study: Bank Mellat)
Fereshteh Oghbaei Ali Rezaeian Seyed Mehdi Alvani seyed zabiholah HashemiMost researches in the field of e-banking acceptance models have ignored the cultural dimension and have neglected or paid little attention to this important and key factor.One of the problems of banks in attracting customers to e-banking services is the lack of attenti MoreMost researches in the field of e-banking acceptance models have ignored the cultural dimension and have neglected or paid little attention to this important and key factor.One of the problems of banks in attracting customers to e-banking services is the lack of attention to customer culture in the development of e-banking services. Therefore, recognizing the cultural dimension is a key factor both to achieve the principle of customer orientation and to increase market share by attracting and retaining customers and spreading the culture of using it and also directing the development of electronic banking services.The purpose of this study is to identify the cultural dimensions affecting the attraction of bank customers to e-banking services as an innovative step in serving the community to focus on these factors, accurate approaches in the field of customer marketing management. This research is descriptive in nature and method and applied in purpose. Typically, interviews are semi-structured in the category of qualitative research and in the inductive paradigm and data collection tools. Qualitative data obtained from interviews with customers and managers of Bank Mellat's marketing were coded using thematic analysis and the most important cultural factors affecting the attraction of Iranian customers to e-banking services have been extracted, categorized and approved by experts. The results show that cultural factors affecting the attraction of Iranian customers to e-banking services are: religious values, emotions, art, customs, symbols and symbols Manuscript profile -
Open Access Article
98 - Providing an electronic marketing model of digital banking in Iran and evaluating the validity of the model with mixed method approach
Faranak Afshinmehr Hamidreza Saeednia Zahra Alipour Darvish Mansoureh AligholiThe aim of the current research is to providig the electronic marketing model in digital banking and validate the model, which was implemented with a qualitative-quantitative mixed exploratory method. The goal is developmental in the qualitative part and practical in th MoreThe aim of the current research is to providig the electronic marketing model in digital banking and validate the model, which was implemented with a qualitative-quantitative mixed exploratory method. The goal is developmental in the qualitative part and practical in the quantitative part. In the qualitative section, after reviewing previous studies, semi-structured interviews were conducted with experts in the banking and marketing industry until reaching the theoretical saturation stage in the number of 12 interviews. The statistical population of this section was selected by purposeful Using the grounded theory method, the interviews were coded and categorized, as a result of which 264 open codes, 32 central codes, and 10 selective codes were obtained, and finally, the conceptual model of the research was proposed; Therefore, the researcher-made questionnaire based on the proposed model including 32 questions was given to 384 bank customers who were selected by a multi-stage cluster sampling method.Data analysis was done with SPSS and Lisrel software, using structural equation modeling technique. Based on the results, the reliability and validity of the questionnaire were confirmed. The findings showed that there is a significant relationship between the causal category, the bases, the central category, strategies and consequences with each other and with the components. Manuscript profile -
Open Access Article
99 - Examining the Relationship Between Employees’ Empowerment And Realization of Electronic Banking
morteza Mousakhani hassan Rangriz mohammad amin nayebi mehdi hassan khaniAn issue of great concern in the current literature which has attracted the attention of a lot of managers and researchers is empowerment. Similarly, one of the recurrent technologies in the third millennium in banking industry is electronic banking which is increasing MoreAn issue of great concern in the current literature which has attracted the attention of a lot of managers and researchers is empowerment. Similarly, one of the recurrent technologies in the third millennium in banking industry is electronic banking which is increasing dramatically. This paper examines the relationship between these two fundamental challenges in Mellat Bank,Iran. To this end, a psychological empowerment model, namely, sprits was used and two questionnaires were developed and administered to 134 employees and 150 key customers of Mellat Bank of Zanjan county. Data were analyzed using SPSS software. Given the correlational nature of the study, statistical analysis utilized included Spearman correlation coefficient. The results attested to a meaningful relationship between employees’ empowerment and realization of electronic banking. Manuscript profile -
Open Access Article
100 - Social Media and Communicative Marketing Strategies in Modern Banking
Majid Heidari Ali Delavar Seyyed Abdollah Sadjadi Ali Akbar Farhangi Kamran MohamadkhaniIn modern banking, banks and financial institutes can be professional users of social media to conduct marketing, provide customer services and information since using social media is a crucial factor to success for banks. On the other hand, this research has been dedic MoreIn modern banking, banks and financial institutes can be professional users of social media to conduct marketing, provide customer services and information since using social media is a crucial factor to success for banks. On the other hand, this research has been dedicated to the role of media in communicative marketing strategies with the focus on factors effective on social media in those strategies. This research is a survey-descriptive research and methodology is a correlative one. To gather information from professionals, professors and experts of banking, questionnaires were filled by 210 top and middle managers of Bank Tejarat. Significance level of all variables was approved by Kolmogorov- Smirnov test and by using Spearman correlation test, hypotheses of research were verified. The findings of the research revealed that all variables of the research have accepted significant level and the mean rankings of variables show significant difference. Increasing legislative barriers, customer acceptance and social culture determine applying the social media. The four variables of the research have significant difference and they don’t have the same rankings. Rankings are: Customer acceptance (2.93), Infrastructure (2.90), Social culture (2.53) and legislative barriers (1.64). Also the mean of variables according to age and gender, unlike education, shows significant difference. Manuscript profile -
Open Access Article
101 - Identifying and Ranking the Most Important Criteria Electronic of Quality Services for Internet Banking (Using a Hybrid Model of DEMATEL and ANP)
Ali Mollahosseini Hadi Shafiee Reza Eftekhari GifanIn today's competitive world, internet banking and electronic service quality can differentiate organization in the face of other organizations. Focus on key areas of internet banking transform it into a multi-criteria decision problem and due to uncertainty on the issu MoreIn today's competitive world, internet banking and electronic service quality can differentiate organization in the face of other organizations. Focus on key areas of internet banking transform it into a multi-criteria decision problem and due to uncertainty on the issue, it can be examined under fuzzy condition. The research aims to identify and rank the most important quality criteria for e-banking services in various branches of Keshavarzi Bank in Kerman city. Considering the nature of the study; it is descriptive and according to the defined purpose, is practical and according to methods of carrying out is surveying. In this study, the most effective measures of e-banking services quality, according to previous studies, identified and then, the main factors compared using DEMATEL technique and the agents with low degree of importance were excluded. Afterwards, weighted matrix formed using ANP and the final ranking was done. The results of analysis of data were suggested that components of the continuous improvement and profits have maximum weight (0.174 and 0.172 respectively) while call and response components have minimum of one (0.063) among the effective components of e-banking quality of electronic service. Manuscript profile -
Open Access Article
102 - The Relationship between E-Service Quality and Customer Satisfaction: the Case of Mellat Bank at Lorestan Province
hassan rangriz mohammad jafar mahdian somayeh zare elmiFollowing the introduction of technology and information technology into the fields of industry, commerce and services, providing various services can be considered as one of the most important parts of the impact of this technology in order to provide part of the accep MoreFollowing the introduction of technology and information technology into the fields of industry, commerce and services, providing various services can be considered as one of the most important parts of the impact of this technology in order to provide part of the accepted financial services. Lack of customers' necessity to attend the bank in person as well as offering so many Internet services by the banks has accelerated accessibility of the Internet services. This research was completed to initially review the relationship between service quality and customer satisfaction at Mellat Bank atLorestanProvince. The research method adopted in this study is descriptive based on a survey of population's attitudes. The statistical society consisted of 226 bank customers. Data were collected using a standardized questionnaire. Data were analyzed using the SPSS Software and correlation as well as linear regression analyses. The results confirmed a significantly positive relationship between physical conditions, and reliability of the Bank, accountability of the bank, and customers ' satisfaction with Bank.. Manuscript profile -
Open Access Article
103 - A Comparative Analysis of Customer Relationship Management (CRM) in Three Iranian Banks Based on Swift Approach
mohsen alvandi mohammad karimiMeeting customer satisfaction in current marketing has a critical role in meeting business objectives. In modern banking, virtual delivery channels and the ability to transfer money around at a click of a mouse are making it easier for customers than go to bank in perso MoreMeeting customer satisfaction in current marketing has a critical role in meeting business objectives. In modern banking, virtual delivery channels and the ability to transfer money around at a click of a mouse are making it easier for customers than go to bank in person. So, it is necessary to develop and maintain an integrated communication system encompassing long- term relationships with customers. This study aims to investigate how CRM is implemented in Iranian banks (Mellat bank, Persian bank, Agri bank).It also describes the definition and benefits of CRM, processes, technology and structure. The results based on Swift approach revealed that banks are completely familiar with the term CRM. They have implemented CRM processes which are considered necessary for a customer integrated organization. The studied banks have CRM Department, with different Configurations in their organizational structure. Persian bank, having the most flexible structure uses more advanced CRM technology than the others in maintaining relations with customers. Manuscript profile -
Open Access Article
104 - Acceptance of Mobile Banking Framework with the Development of Technology Acceptance Model
Mohammad Taleghani Zeinab HaghgoofardMobile banking is One of the newest technologies In the Banking with Existence Many benefits Very few users in Iran. This study aims to, Recognition Factors Effective The acceptance Mobile banking With Integration Unified Theory of Acceptance and Use of Technology And T MoreMobile banking is One of the newest technologies In the Banking with Existence Many benefits Very few users in Iran. This study aims to, Recognition Factors Effective The acceptance Mobile banking With Integration Unified Theory of Acceptance and Use of Technology And Task-Technology Fit . The study was an applied study in terms of objective and a correlation survey in terms of data collection methodology. The statistical population included all M-banking clients of refah banks in Guilan Province, Iran. So, 500 questionnaires were administered by stratified random sampling and 384 questionnaires were collected. Data collected questionnaire were collected And variables with the whole five-point Likert Measured. After data collection, the reliability of the questionnaire was scientifically confirmed as Cronbach’s alpha was estimated to be 7.0> for it. The model was analyzed by structural equations modeling method. The values of model fitting indices were found to be appropriate. Path analysis showed that the impact Kidney theories Apart from facilitating conditions to be confirmed Manuscript profile -
Open Access Article
105 - The Effect of Internet Advertising on Electronic Banking Services
Beitoollah Akbarimogaddam Mahdi Behbodi Farzaneh JafariAs the number of Iranian internet users exceeds 33 million, businesses in Iran are making the transition from traditional methods to electronic methods. Also, with the rapid development of e-commerce, the internet, and banking and financial sectors, customers are encour MoreAs the number of Iranian internet users exceeds 33 million, businesses in Iran are making the transition from traditional methods to electronic methods. Also, with the rapid development of e-commerce, the internet, and banking and financial sectors, customers are encouraged to utilize electronic banking. It is necessary for banking systems to consider the method of encouraging internet users to perform electronic transactions through online advertising in order to maintain and develop their market, and also increase the satisfaction of their customers. This study evaluates the influence of online advertising on the levels of arousal and creating positive attitudes toward brands. After assessing the validity (content validity) and reliability (with a Chronbach's alpha of 80%) of the study, 161 questionnaires were collected and statistical data analysis was done by using the SPSS software and employing the Student's t-distribution method. The findings suggest that online advertising has a great impact on encouraging banking customers to perform electronic transactions. Manuscript profile -
Open Access Article
106 - The Study of the Effect of Electronic Banking Services On the Increase of Mellat Banks of Lorestan Resources
Ali Akbar Farhangi Hamid Reza Bahrami Hamzeh Zareh ElmiKnowing that now, for the banks, the use of electronic services on resources that affect the bank, is of high importance. The aim of this study was to investigate the effect of electronic banking services in the province is increasing bank reserves. In this study the me MoreKnowing that now, for the banks, the use of electronic services on resources that affect the bank, is of high importance. The aim of this study was to investigate the effect of electronic banking services in the province is increasing bank reserves. In this study the method is descriptive - Ali. The population of the province is bank branches and 150 employees, respectively. The formula for calculation of the Cochran in the research community, we must be distributed 108 questionnaires among members of the sample. To gather data, the validity and reliability of the questionnaire was confirmed. Data using descriptive statistics (tables and graphs) and inferential statistics (binomial test, Friedman rank test) and analyzed by using SPSS software was used Based on the hypothesis. That the use of electronic banking services on cassava will increase bank reserves. Manuscript profile -
Open Access Article
107 - A survey on the factors affecting the adoption of online banking as a result of the integration of technology acceptance model and the theory of planned behavior on perceived risk and perceived usefulness
Mansoure Sadeqi Hormoz MehraniThe objective of this study is to investigate the factors affecting technology acceptance model with a model on the theory of planned behavior in order to predict and explain behavioral intentions of customers towards the adoption of online banking. The present research MoreThe objective of this study is to investigate the factors affecting technology acceptance model with a model on the theory of planned behavior in order to predict and explain behavioral intentions of customers towards the adoption of online banking. The present research is applied objectively, descriptive in terms of implementation and a survey and correlation study in terms of the type of research. The statistical population includes all customers of all Mellat Bank branches in Gorgan city in 2014 that had used online banking. A sample consisting of 384 people was selected using stratified random sampling method. The data collection tool is questionnaire. The validity of questionnaire was determined using content validity method and the reliability was verified by Cronbach's alpha method. According to the data analysis, the results indicate that all hypotheses related to the technology acceptance model and the theory of planned behavior were confirmed and all hypotheses of perceived risk theory weren't confirmed except (hypothesis 8, b) and (hypothesis 12, b). Manuscript profile -
Open Access Article
108 - Enhanced Prudential Standards Under Basel Iii: What Consequences For The Profitability Of Banks
Selma Haj Khlifa Amal Zaki -
Open Access Article
109 - A Multi Objective Optimization Approach for Resources Procurement of Bank
amir mohammad-zadeh naser hamidi mohammad amin nayebi yusof ebrahimi-sajas -
Open Access Article
110 - Presenting a Model of Customer Experience Management in Mobile Banking Industry for Commercial Banks Customers in Dubai
Maryam Abadi Hamidreza Saeednia Abbas Khorshidi -
Open Access Article
111 - Study of the Impact of Banking System on Iran's Economic Stability
Mohammad Reza Tavangar ahmad azin Masoud Jafari NejadThis article, while analyzing economic stability and its indices, explains the variables and components influenced by the policies and functions of the banking system as the most important of the political-economic system that influences the economic stability of the IR MoreThis article, while analyzing economic stability and its indices, explains the variables and components influenced by the policies and functions of the banking system as the most important of the political-economic system that influences the economic stability of the IR.I. This influences are due to the widespread communication at the community, the impact on cash flow, capital in the society; the possibility of corruption, rents, bribery, embezzlement, money laundering, financing of terrorism; payment of bank facilities and provision of production capital and trade, transfer the funds of trading transactions, managing and directing resources allocation in the form of various contracts, direct and indirect effects on the exchange rate, interest, inflation and etc, play a role in stabilizing or stimulating economic instability. In this research, while confirming that, there is a direct and cross-correlation relationship between the implementation of financial-economic policies of the banking system and the economic stability of the IR.I, the results investigated by using integrated methods by qualitative content analysis method to identify and select the variables of economic stability, and the impact and effect of the banking system in order to improve quantitative methods and then use the Delphi technique and group consensus. Manuscript profile -
Open Access Article
112 - Jurisprudential and legal study of the conformity between bank deposits and Islamic contracts
Ali Basiri Akbar Fallah Mohammadali KheyrollahiThe bank started its activities in Iran based on the experiences of Western countries and their banking system. The law on interest-free banking operations was approved in 1983 and came into force on 1984. In passing this law, the legislator has tried to bring the banks MoreThe bank started its activities in Iran based on the experiences of Western countries and their banking system. The law on interest-free banking operations was approved in 1983 and came into force on 1984. In passing this law, the legislator has tried to bring the banks' operations in line with Islamic standards. But by examining the relationship that arises between depositors and banks on the one hand and between banks and investors on the other, it becomes clear that the legislature is more interested in justifying the practice of banks than in enforcing monetary and banking policies in accordance with Islamic law. In this research, studying the law of interest-free banking operations, directives and executive instructions of banks, the legislator's efforts in drafting the law are examined and examined with the help of strong jurisprudence and the study of jurisprudential and legal books. Due to the incompatibility of the titles of bank deposits with Islamic contracts and the existence of such a huge institution that almost all people need to operate, according to the findings of this study or must be the will of the depositor and the bank based on the verse and the prophetic hadith and Number 10 of the Civil Code respected and considered such contracts to be effective, or that the legislator should consider himself obliged to lay down the instructions and regulations of the bank according to Islamic standards, because it is not unlikely that Islamic banking will be established according to Islamic law. Manuscript profile -
Open Access Article
113 - A Human Resource Risk Management Model in Investment Banking Companies
Azim Sabet Vajhollah Ghorbanizadeh Ahmad VedadiHuman resource risk management has been proposed as a controversial approach to the continuous growth of investment companies. Hence, companies should be able to identify and evaluate existing risks and manage them properly. The present study aims to develop a model for MoreHuman resource risk management has been proposed as a controversial approach to the continuous growth of investment companies. Hence, companies should be able to identify and evaluate existing risks and manage them properly. The present study aims to develop a model for human resource risk management in investment banking companies. The research method is qualitative, based on a data-driven theory. Semi-structured interviews were used to collect the data and data analysis was performed by Strauss and Corbin method and paradigm model. Sampling was purposive and was done using targeted (judgmental) techniques. In accordance with the systematic pattern of data-driven theory, experts and managers with experience in investment companies were selected as the statistical population of the study. The results of the optained data from the interviews, using open, axial, and selective coding, led to a human resoursce risk management model based on a data-driven theory. Thus a model for human resource risk management in investment companies was identified. The findings of this study indicate that for the success of human resource risk management in investment companies, managers must pay attention to all the categories and sub-categories identified in the present study, and have the necessary sufficient information about each of them. In addition, this study shows the need to pay attention to human resource risk management for the development of investment companies. Manuscript profile -
Open Access Article
114 - Presenting a model of the Impact of Economic Variables on the Total Productivity Index in Iran
Ali SHAHINPOUR Kerem KarabulutProductivity means maximizing scientifically the use of resources, manpower, facilities, and the like, reducing production costs, expanding markets, increasing employment and striving to increase real wages and living standards as they benefit workers, management, and s MoreProductivity means maximizing scientifically the use of resources, manpower, facilities, and the like, reducing production costs, expanding markets, increasing employment and striving to increase real wages and living standards as they benefit workers, management, and society. Due to limited resources and unlimited needs, improving productivity, along with population growth and fierce competition in the global economy, is not a choice but an inevitable necessity. The present study set out to investigate the effect of economic variables on the total productivity index in Iran over the period of 1999 to 2017, employing the Autoregressive Distributed Lag (ARDL) method. The findings indicated the significant positive effect of Qarz al-Hasna facility balance, exchange contract facility balance and partnership contracts facility balance as the components of Islamic banking facilities on the Total Productivity Index. Accordingly, it can be concluded that Islamic banking facilities have a positive effect on the Total Productivity Index in Iran, both in the short and long term. In the short and long term, real GDP (economic growth) was found to have a positive effect on the Total Productivity Index. The effect of inflation and the official exchange rate on the total Productivity Index was negative and statistically significant in the short run, after one year, and in the long run. Manuscript profile -
Open Access Article
115 - Identifying Factors Effective on the Customer Tendency to Use Electronic Banking Services
Shahram Gilaninia Seyed Javad MousavianToday, service industry is changing in the world. New technologies have changed the methods of the service-giving to customers in many organizations. Information and communication technology has also affected bank services. In this research, we study the effect of diffe MoreToday, service industry is changing in the world. New technologies have changed the methods of the service-giving to customers in many organizations. Information and communication technology has also affected bank services. In this research, we study the effect of different levels of factors affecting the customer tendency to use electronic banking services based on Davis’s technology acceptance model in banking industry. According to this model, the perceived ease, the perceived usefulness and an additional factor, the perceived security, were studied. The research method was causal-comparative, and in order to test the hypothesis, the ANOVA model was used. The results showed that the effect of different levels of factors affecting the customer tendency to use electronic banking services is different, and all research hypotheses were confirmed. Manuscript profile -
Open Access Article
116 - Electronic Banking and Banks Counter Queue Density (Case study on the criteria of the queues in traditional and electronic banking)
Mohsen Mohammadloo Naser Hamidi Babak HajkarimiThe phenomenon of waiting in queues, with the increase in population density and the increasing urbanization of societies, is expanding more than ever before. Queuing theory is of great importance as a statistical technique for problem solving and system analyzing. Bank MoreThe phenomenon of waiting in queues, with the increase in population density and the increasing urbanization of societies, is expanding more than ever before. Queuing theory is of great importance as a statistical technique for problem solving and system analyzing. Banks, as one of the most significant economic institutions, play an important role in monetary policy implementation (expansion and contraction) of the government. Compared with developed countries, Iranian banks are extremely busy. This may be one of the first things that attracts one's attention on first arriving in a foreign country. In order to reduce crowdedness in the banks, useful instruments such as electronic banking can be used. Using new technologies in the field of economics is one of the indices of the establishment of the electronic government and banking as well as the change in defining the society and power. To assess the role of electronic banking in reducing the density of the bank counter queues, the data on two banking systems (traditional and electronic banking) were collected during six working days from the branches of Zanjan Melli Bank (Zanjan Branch office). Following the analysis of the data within the framework of queuing system models, the results indicating the role of electronic banking in reducing the density of Bank Melli counter queues were obtained. Manuscript profile -
Open Access Article
117 - Electronic Banking and the Application of Bank Cards in Bank Performance Improving
Rasool Baradaran Hasanzadeh Nasser Pour Sadeg Leila Shakouri MalekiThis article investigates the effect of bank cards on improving the bank performance. Electronic banking (e-banking) can be defind as the technology that represents a variety of different services, such as the common automatic teller machine (ATM) services, direct depos MoreThis article investigates the effect of bank cards on improving the bank performance. Electronic banking (e-banking) can be defind as the technology that represents a variety of different services, such as the common automatic teller machine (ATM) services, direct deposit, automatic bill payment (ABP), electronic transfer of funds (EFT), and computer banking (PC banking). One of the tools of electronic transfer of funds (EFT) that is of special importance in electronic commerce is bank cards. The present research investigates the effect of Bank cards on improving East Azerbaijan Melli Bank performance. This was carried out by using documents and surveying the viewpoints of customers (Melli Card Owners). To determine the method, various underlying theories in this research were used, and eventually the effects of using these cards were considered. It became clear that using bank cards increases the sense of security and satisfaction among customers and the bank’s profiting. Also there is a direct link between using bank cards and the increase of transfer by point of sales, improvement transactions, getting and transferring money by Automatic teller machines. Manuscript profile -
Open Access Article
118 - Determining the Optimum Investment Portfolios in the Iranian Banking Network Base on Bi-level Game using the Markowitz Optimization Model by Firefly Algorithm
Mehdi Memarpour Ashkan Hafezalkotob Mohammad Khalilzadeh Abbas Saghaei Roya Soltani -
Open Access Article
119 - Modeling the Decisions on Determining the Interest Rate on Deposits in Iranian Banking System by using Game Theory
Mehdi Memarpour Ashkan Hafezalkotob Mohammad Khalilzadeh Abbas Saghaei Roya Soltani -
Open Access Article
120 - Investigating the Effective Factors on Mobile Bank Acceptance in Parsian Bank Customers in Arak City
P. Ghaffari Ashtiyani M. Panahi Vanani R. Shaabani -
Open Access Article
121 - ارزیابی تاثیر کیفیت درک شده از خدمات بانکداری الکترونیک بر رضایت و تعهد مشتریان بانک صادرات استان تهران
شادان وهاب زاده سانیا محمودکلائیاین تحقیق به بررسی تأثیر کیفیت درک شده از خدمات بانکداری الکترونیک بر رضایت و تعهد مشتریان میپردازد. تحقیق حاضر از نظر هدف کاربردی است و برای انجام این تحقیق 384 نفر از مشتریان شعب بانک صادرات استان تهران که تجربه استفاده از خدمات الکترونیک این بانک را داشته اند به صور Moreاین تحقیق به بررسی تأثیر کیفیت درک شده از خدمات بانکداری الکترونیک بر رضایت و تعهد مشتریان میپردازد. تحقیق حاضر از نظر هدف کاربردی است و برای انجام این تحقیق 384 نفر از مشتریان شعب بانک صادرات استان تهران که تجربه استفاده از خدمات الکترونیک این بانک را داشته اند به صورت نمونه گیری خوشهای و بطور تصادفی انتخاب شدند و با استفاده از ابزار پرسشنامه اطلاعات تحقیق گردآوری شد. برای سنجش روایی پرسشنامه از روایی صوری، محتوایی و روایی سازه استفاده شد و همچنین برای برآورد پایایی از سازگاری درونی استفاده شد که مهمترین شاخص سازگاری درونی آزمون آلفای کرونباخ است که ضریب الفای کرونباخ نمونه 30 نفری 912/0 بدست آمد که بزرگتر از 7/0 است. این تحقیق از نظر ماهیت توصیفی- پیمایشی است و از فنون آمار توصیفی – استنباطی برای تجزیه و تحلیل دادهها استفاده شده است. در سطح تجزیه و تحلیل توصیفی به تجزیه و تحلیل داده­های جمعیت­شناختی و در سطح تجزیه و تحلیل استنباطی با استفاده از مدل معادلات ساختاری به تجزیه و تحلیل داده­ها جهت تأیید و یا رد فرضیه­های تحقیق پرداخته شد. نتایج بدست آمده از این تحقیق نشان دهنده این است که هر سه فرضیه اثبات شده است. کیفیت خدمات درک شده از بانکداری الکترونیک بر رضایت مشتریان تاثیر مثبت دارد. رضایت از خدمات درک شده از بانکداری الکترونیک برتعهد مشتریان تاثیر مثبت دارد. کیفیت درک شده از خدمات بانکداری الکترونیک بر تعهد مشتری تاثیر مثبت و مستقیم دارد. Manuscript profile -
Open Access Article
122 - Identifying Factors Affecting Non-curent Debts of Banks Using Neural Networks and Support Vector Machine Algorithm
sajjad kordmanjiri iman dadashi zahra Khoshnood hamid reza gholamnia roshanThe main purpose of this paper is to identify the factors influencing the creation and increase of non-current debts to make a more appropriate decision in granting facilities. For this purpose, to select effective variables, from the analysis algorithms of correlation MoreThe main purpose of this paper is to identify the factors influencing the creation and increase of non-current debts to make a more appropriate decision in granting facilities. For this purpose, to select effective variables, from the analysis algorithms of correlation and Lasso components; And to classify the samples, neural networks and support machine were used. In this study, a sample of 660 legal customers of Sepah Bank for the years 2006-2017 was selected and focused on the characteristic variables extracted from the facility contracts of these customers along with financial, non-financial, auditing and economic variables. The results showed that the Lasso algorithm focused on financial, economic and auditing variables, performed better than the neighboring component analysis algorithm, and based on this algorithm, 10 key variables affecting non-current debts were identified. Due to the better performance of support vector machines with radial cores, its use in modeling non-current debts is recommended. Manuscript profile -
Open Access Article
123 - Investigating the Interactive Effects of Monetary and Macroprudential Policies on the Stability of the Banking System: Evidence from Iranian Economy
Leila Pashazadeh Hossein Asgharpur Sakineh Sojoodi Zahra Karimi TakanlouThe main objective of this study is to investigate the interactive effects of monetary and macroprudential policies on the stability of Iranian banking system. For this purpose, the effects of monetary and macroprudential policies and interactive of these two policies h MoreThe main objective of this study is to investigate the interactive effects of monetary and macroprudential policies on the stability of Iranian banking system. For this purpose, the effects of monetary and macroprudential policies and interactive of these two policies have been evaluated using the annual time series data of 24 private and government banks of Iran during the period of 2007-2019 and using generalized moments method (GMM).The results show that the monetary policies have significantly caused the instability of the banking system, and the macroprudential policies have significantly increased the stability of the banks. Also, empirical findings of the research show that, the interaction of monetary policies and macroprudential has a positive and significant effect on the stability of banks. This result indicates that the implementation of macro reserve policies in Iran has caused the effects of monetary policies to be modified on the instability of banks. Hence, it is necessary for the economic policy makers to consider these interactions when designing monetary and macro prudential policy interventions. In fact, economic policymakers are advised to use macroprudential policies to strengthen the stability of the banking system when implementing expansionary monetary policies. Manuscript profile -
Open Access Article
124 - Identifying and Determining Factors Affecting the Resilience of the Iranian Banking System
Azadeh Afshari Sara Ghobadi Hosein Sharifi RenaniAccording to the emphasis of the Ball Committee, the survival rate of any economy is proportional to the resilience rate of its banks, and, when economic crises occur, the resilience of banks is too important. Then the purpose of this research is to investigate the indi MoreAccording to the emphasis of the Ball Committee, the survival rate of any economy is proportional to the resilience rate of its banks, and, when economic crises occur, the resilience of banks is too important. Then the purpose of this research is to investigate the indicators of the development of the banking sector that can affect the resilience of the Iranian banking system. Therefore, with the help of previous research, some factors were identified and the data were collected for 30 banks and credit institutions during the years 2000 to 2020 in the form of unbalanced panels. After that, the level of resilience was calculated with the help of the Volare index, and the type of relationships was evaluated with the help of the dynamic data panel method. The results showed that among the 18 indicators investigated as factors affecting the resilience of the Iranian banking system, only 9 factors are nonlinearly related to resilience. Resilience variables of the previous period, banking efficiency, the ratio of Interest-Free Income to total income, and the ratio of low-cost resources to total resources, have a direct relationship with resilience, and the indicators of bank size, shareholders' equity to debt, the ratio of loans to free resources, the ratio of the cost of doubtful loans to total expenses and the level of risk tolerance, had an indirect relationship. Also, private or public banks had no significant relationship with resilience. In conclusion, the resilience process of Iranian banks from 2000 to 2020 was drawn. Manuscript profile -
Open Access Article
125 - Designing an Optimal Resource Allocation Model in Iran's Banking System
ali asghar movahed asghar abolhasani mohamad hosin porkazemi yeghane mosavi jahromiThe aim of this paper is to model allocation of resources based on a stochastic dynamic optimization model in the banking system of Iran. To this end, using the bank level data by the Euler-Marviam simulation method, simulation of resource allocation model and optimal a MoreThe aim of this paper is to model allocation of resources based on a stochastic dynamic optimization model in the banking system of Iran. To this end, using the bank level data by the Euler-Marviam simulation method, simulation of resource allocation model and optimal allocation time Resources were obtained numerically over the course of the 24-month period. The results showed that important variables such as expected rate of profit, profit risk and fluctuation of each type of facility have a significant impact on their share. Also, the findings show that whatever the expected profit of the facility increases and the risk and fluctuation of it decreases, it will account for more share of the various types of facilities. Based on the results, the specialized entry of banks to participatory facilities and increase their share is proposed to increase profitability. Manuscript profile -
Open Access Article
126 - Comparing the situation of Islamic banking in iran with selected countries of the lslamic world
jalal yousefi parviz saeidi Maryam Bokharaeian khorasani Jamadordi Gorganli DojiThe main objective of this research is to compare the status of Islamic banking in Iran with selected countries in the Islamic world. The present study is considered as an applied research in terms of its research objective, and a retrospective study in terms of its tem MoreThe main objective of this research is to compare the status of Islamic banking in Iran with selected countries in the Islamic world. The present study is considered as an applied research in terms of its research objective, and a retrospective study in terms of its temporal dimension. The data collection was descriptive and correlational in nature, utilizing quantitative research methods to test hypotheses. Linear regression model was employed to test the hypotheses, and panel data econometrics using statistical software Eviews was utilized for data analysis.In this research, the statistical population consists of Islamic banks in the Islamic world, and the sample includes banks from Iran, Malaysia, Indonesia, Pakistan, and Bahrain, within the time frame of 2017 to 2021. To compare the status of Islamic banking in Iran with selected countries, the collected data is derived from statistics provided by the Securities and Exchange Organization for Iran, and data from the International Bank (Bank Scope) for the selected banks in Malaysia, Indonesia, Pakistan, and Bahrain.The appropriate research method employed in this study is a descriptive research method. It falls under the category of quantitative and descriptive research in the field of finance in terms of its purpose and applicability. Furthermore, considering that historical information has been used in testing its hypotheses, it can be regarded as past-oriented in terms of the temporal dimension. Additionally, in terms of data collection methods, it can be classified as a retrospective research. Manuscript profile -
Open Access Article
127 - Investigating the relationship between corporate payment services and credit risk in corporate banking
Mohammad Hossein Salehi parviz saeidi Maryam BokharayanAbstractThe present research has examined the relationship between corporate payment services and credit risk in corporate banking in the Islamic Republic of Iran. The descriptive research method is correlation and the participants were 135 experts and managers of the c MoreAbstractThe present research has examined the relationship between corporate payment services and credit risk in corporate banking in the Islamic Republic of Iran. The descriptive research method is correlation and the participants were 135 experts and managers of the country's banking network. The data collection tool included a questionnaire. Descriptive and inferential statistics including Pearson's correlation test were used to describe the data, which was done through SPSS software. Corporate payment services have been investigated in two dimensions, banks' attention to customer needs assessment and interactive strategy with corporate customers. Data analysis showed that there is a positive and significant relationship between the factors of corporate payment services and credit risk in corporate banking in the Islamic Republic of Iran. Also, the results showed that the factor of banks' attention to customer needs assessment is more important than the interactive strategy with corporate customers due to the higher correlation coefficient. Manuscript profile -
Open Access Article
128 - Explaining the Effectiveness of Factores Affecting the Satisfaction of Small and Medium Companies from Electronic Banking Services from the Perespective of Entrepreneurship.
Hadi Ghadimi Hossein Vazifehdust vahid reza mirabiThe present research is an exploratory mixed-method study with a structural-interpretive modeling approach, conducted using a survey method. The qualitative phase data collection tool consisted of semi-structured interviews, and the quantitative phase involved a questio MoreThe present research is an exploratory mixed-method study with a structural-interpretive modeling approach, conducted using a survey method. The qualitative phase data collection tool consisted of semi-structured interviews, and the quantitative phase involved a questionnaire developed from the qualitative interviews. The validity of the research tools was confirmed through expert consultation and university professors' feedback, and their reliability was established through a pilot study, resulting in a questionnaire reliability coefficient of r=0.85, indicating high reliability. In the qualitative section, a targeted sample of 12 experts and stakeholders was selected. In the quantitative section, 60 deputy managers, managers, and experts from small and medium-sized companies in the industrial town of Eshtehard Karaj, who were recipients of banking services, especially digital banking, were selected using cluster sampling. By gathering expert opinions in the structural-interpretive modeling method, themes were identified, and the relationships and sequence of factors were transformed into a model of factors affecting the satisfaction of small and medium-sized enterprises (SMEs) with digital banking services. The results showed 122 primary codes, 28 sub-themes, and 12 main components, including high quality of digital banking products and services, sustainability in digital banking development, operational digital banking system, creating a competitive environment, employee training, customer expectations consideration, creating a distinct product and service in digital banking, market-oriented attention and planning, brand value creation in digital banking, legal compliance in digital banking, observance of social citizenship rights, and stakeholder requirements consideration. Manuscript profile -
Open Access Article
129 - Identifying Different Dimensions of Brand Transgression in the Iranian Banking Industry
Gholamreza Shahbazi Soleyman Iranzadeh Bagher AsgarnezhadThe main purpose of this research is to discover, identify and explain the causal conditions, consequences, intervening factors, contexts, and components of brand transgression in Iranian banking industry. In order to realize the exploratory purpose of the research, a q MoreThe main purpose of this research is to discover, identify and explain the causal conditions, consequences, intervening factors, contexts, and components of brand transgression in Iranian banking industry. In order to realize the exploratory purpose of the research, a qualitative approach based on the grounded theory method and based on conducting in-depth interviews was used, and targeted non-probability sampling and snowball methods were used. Based on this, 21 in-depth interviews were conducted with the most knowledgeable participants. The data obtained from the interviews were carefully checked and analyzed during three stages of coding. From the obtained data, there are 21 open codes for antecedents, 57 open codes for consequences, 49 open codes for contexts, 26 open codes for intervening factors, and finally 71 open codes for the components of brand the transgression in the industry. Since the banking system is considered as one of the most important intermediaries in the economic system of countries, reaching a complete understanding of the concept of brand transgression in this industry and identifying its antecedents, consequences, dimensions and components is a very broad and important research area that is discussed in this article and important theoretical and practical implications for researchers and practitioners are discussed. Manuscript profile -
Open Access Article
130 - رویکرد DEA-TOPSIS برای تجزیه و تحلیل عملکرد مالی بانک های بخش دولتی هند
hari Tata vijaya nimmagaddaتوسعه سریع اینترنت و تجارت الکترونیکی، بخش بانکی را به سمت تشویق مشتریان به بانکداری اینترنتی (IB) را تحریک کرده است، با این حال، شواهد نشان دهنده عدم علاقه در استفاده از خدمات IB است. بنابراین، هدف این مقاله شناسایی عوامل موثر بر پذیرش مشتری ازطریق IB و سنجش تاثی Moreتوسعه سریع اینترنت و تجارت الکترونیکی، بخش بانکی را به سمت تشویق مشتریان به بانکداری اینترنتی (IB) را تحریک کرده است، با این حال، شواهد نشان دهنده عدم علاقه در استفاده از خدمات IB است. بنابراین، هدف این مقاله شناسایی عوامل موثر بر پذیرش مشتری ازطریق IB و سنجش تاثیر هر یک از عوامل در پذیرش IBاست. بر اساس یک بررسی آثار گذشته تحقیقاتی، تعدادی از عوامل به عنوان عوامل موثر در پذیرش مشتری از طریق IB در نظر گرفته شدند. سپس، این عوامل به یک نمونه از مشتریان IB در قالب یک پرسشنامه ارسال شدند. پس از جمع آوری پرسشنامه ها ی پر شده و بر اساس آزمون آماری، مهمترین عامل در میان آنها مورد تحقیق قرار گرفت. از این رو، بسیاری از این عوامل با یکدیگرمرتبط هستند؛ روش مبتنی نظریه گراف (DEMATEL) با ساختار بازخورد استفاده شده است تا اثرات مستقیم و غیر مستقیم عوامل موثر بر عوامل دیگر و کل سیستم را بررسی کند. نتایج نشان داد که: پاسخدهی (بررسی موثر مشکلات)، دسترسی به خدمات IB (نیازهای سخت افزاری)، سرعت شبکه، سهولت استفاده و بدون نیاز به حضور فیزیکی در شعبه بانک، به ترتیب، مهمترین عوامل بحرانی هستند. Manuscript profile -
Open Access Article
131 - تجزیه و تحلیل عوامل موثر بر پذیرش مشتریان از خدمات بانکداری اینترنتی با استفاده از نظریه گراف
Ali Sharifi Mahdi Homayounfarتوسعه سریع اینترنت و تجارت الکترونیکی، بخش بانکی را به سمت تشویق مشتریان به بانکداری اینترنتی (IB) را تحریک کرده است، با این حال، شواهد نشان دهنده عدم علاقه در استفاده از خدمات IB است. بنابراین، هدف این مقاله شناسایی عوامل موثر بر پذیرش مشتری ازطریق IB و سنجش تاثی Moreتوسعه سریع اینترنت و تجارت الکترونیکی، بخش بانکی را به سمت تشویق مشتریان به بانکداری اینترنتی (IB) را تحریک کرده است، با این حال، شواهد نشان دهنده عدم علاقه در استفاده از خدمات IB است. بنابراین، هدف این مقاله شناسایی عوامل موثر بر پذیرش مشتری ازطریق IB و سنجش تاثیر هر یک از عوامل در پذیرش IBاست. بر اساس یک بررسی آثار گذشته تحقیقاتی، تعدادی از عوامل به عنوان عوامل موثر در پذیرش مشتری از طریق IB در نظر گرفته شدند. سپس، این عوامل به یک نمونه از مشتریان IB در قالب یک پرسشنامه ارسال شدند. پس از جمع آوری پرسشنامه ها ی پر شده و بر اساس آزمون آماری، مهمترین عامل در میان آنها مورد تحقیق قرار گرفت. از این رو، بسیاری از این عوامل با یکدیگرمرتبط هستند؛ روش مبتنی نظریه گراف (DEMATEL) با ساختار بازخورد استفاده شده است تا اثرات مستقیم و غیر مستقیم عوامل موثر بر عوامل دیگر و کل سیستم را بررسی کند. نتایج نشان داد که: پاسخدهی (بررسی موثر مشکلات)، دسترسی به خدمات IB (نیازهای سخت افزاری)، سرعت شبکه، سهولت استفاده و بدون نیاز به حضور فیزیکی در شعبه بانک، به ترتیب، مهمترین عوامل بحرانی هستند. Manuscript profile -
Open Access Article
132 - Biometric Authentication of Fingerprint for Banking Users, Using Stream Cipher Algorithm
Ali AliBabaee Ali Broumandnia -
Open Access Article
133 - Studying and determining the trust, security, ease of use and perceived usefulness in accepting Internet banking
Somayeh Purbabadi mohamad tamimiToday, bank customers are able to use their Internet and Internet technology to finance their activities in a virtual environment called Internet Banking. The purpose of this study was to determine the effective factors in accepting Internet banking, which was done in A MoreToday, bank customers are able to use their Internet and Internet technology to finance their activities in a virtual environment called Internet Banking. The purpose of this study was to determine the effective factors in accepting Internet banking, which was done in Ahwaz. This research is applied in terms of its purpose and in terms of its nature, it is descriptive in the category of research. The statistical population of the research consisted of clients using internet banking services in Ahwaz. Data were collected using a questionnaire. The sample size with the Morgan table for an unlimited society is at least 384 people. Cronbach's alpha method was used to determine the reliability of the instrument. In order to verify the reliability of the questionnaire, a pre-test sample of 30 questionnaires was first tested. Then using the data obtained from these questionnaires and using SPSS software, the confidence coefficient was calculated using Cronbach's alpha method for this tool. The results showed that the perceived security factor does not have a positive and significant effect on the adoption of Internet banking, but trust factors, perceived ease of use and perceived usefulness on Internet banking acceptance have a positive and significant effect on the 95% level. Manuscript profile -
Open Access Article
134 - Investigation the Effect of Credit Risk on Financial Stability in the Islamic Banking System
Alireza Heidarzadeh HanzaeiBanks and their volume of financial transactions have a positive effect on the income of companies and the country's economy and paying attention to their stability conditions can create a stable economy. The purpose of this study is to investigate the effect of credit MoreBanks and their volume of financial transactions have a positive effect on the income of companies and the country's economy and paying attention to their stability conditions can create a stable economy. The purpose of this study is to investigate the effect of credit risk on the financial stability of banks listed on the Tehran Securities Exchange. In order to measure the credit risk variable from the research of Zupandis et al. (2017), the Z-score index was used to measure the financial stability variable based on Farhi (2018) and Al-Badri (2015) studies. The generality of this index is due to the fact that it is inversely related to the probability of bankruptcy of a bank. The number of sixteen banks accepted in the Tehran Stock Exchange in the period of six years from 2014 to 2019 were selected as the statistical population of the research. Multivariate regression analysis using mixed data method with fixed effects was used to test the hypotheses. The research results show that credit risk has a significant and adverse effect on the financial stability of banks. In fact, one of the factors that can strongly affect the stability of banks is the credit risk of banks. Manuscript profile -
Open Access Article
135 - Explaining the Impact of Knowledge Management and the Role of Business Networks in Islamic Banking
Abolghasem karimi Majid Ahmadi Alireza RoustaAfter the Islamic revolution, the implementation of Islamic banking in the country's banking system has been one of the most important issues in the banking field.The remarkable growth of Islamic banking inthe last few decades has attracted the attention of many researc MoreAfter the Islamic revolution, the implementation of Islamic banking in the country's banking system has been one of the most important issues in the banking field.The remarkable growth of Islamic banking inthe last few decades has attracted the attention of many researchers in the field of finance and banking.Considering the importance of Islamic banking, the purpose of the research is to explain the impact of knowledge management and the role of business networks in Islamic banking in Tehran.In terms of purpose, the research method is applied and according to the method of data collection, it is descriptive of the correlation type.The statistical population of the research is all customers of Qarz al-Hasaneh Mehr Iran Banks and Qarz al-Hasaneh Resalat Banks in Tehran province.Also, the number of 384people was determined as a sample using Cochran's formula, and 400 questionnaires were distributed by available sampling method and394 questionnaires were collected.The reliability of the questionnaire was measured by evaluating Cronbach's alpha coefficient, which was0.808. Also, the data were measured by the method of structural equation modeling and by Smart-PLS software.The results of research hypotheses indicate that market measurement, market capture, business networks, financial networks and knowledge management play a role in Islamic banking. Manuscript profile -
Open Access Article
136 - The reasons of public reluctance to use of Electronic Bank cards(case study:Mellatbank customers)
هوشنگ Taghizadeh ابراهیم SepehriThe aim of this paper is to investigate the reasons of public reluctance to use of electronic bank cards on the customers of Mellat bank in Tabriz.for this purpose four hypotheses have formulated.the research population includes the all customers of Mellat bank in Tabri MoreThe aim of this paper is to investigate the reasons of public reluctance to use of electronic bank cards on the customers of Mellat bank in Tabriz.for this purpose four hypotheses have formulated.the research population includes the all customers of Mellat bank in Tabriz city.the number of 385 people have selected.for sample using the sample calculation formula.A questionair has used for data gathering.the validity has confirmed by face validity and the reliability by Cronbank alpha coefficient.for data analysis Kolmogrov-smirnov and T-test was used.the results shows that lack of knowledge and skill for using electronic bank cards,lack of instruction the process of using these cards,lack of existence of electronic sale system on the majority of shops,institutions and offices,and lack if trust for E-banking among customers are the major reasons of public reluctance to use of electronic bank cards among the customers of Mellat bank in Tabriz. Manuscript profile -
Open Access Article
137 - A Novel Method Based on Support Vector Machines to Classify Bank Transactions
Melika Tojjari Razieh Farazkish -
Open Access Article
138 - The reflection of Shia jurisprudence in the legal system of Islamic countries, a case study: economic analysis of banking civil partnership contracts
Mohammad Javad Mirzaei abbas Magdari Amiri mohamad alamzadehBackground and Purpose:The partnership contracts are one of the obvious methods for allocating the resources in without usury banking and the purpose of partnership contract is "contribution contract" in juridical books which the parties by merging each other’s pr MoreBackground and Purpose:The partnership contracts are one of the obvious methods for allocating the resources in without usury banking and the purpose of partnership contract is "contribution contract" in juridical books which the parties by merging each other’s properties and capitals, agree to cooperate in a specific business and share the profit and loss between themselves in proportion to their portion. However, in practice banks use a category of contracts to decrease the risk of repayment of such loans, increase of profit and avoid from imperative profit rate.Method: The present research was carried out using a descriptive and analytical method.Findings and results: added some conditions in the contracts of guarantee, settlement of account, donation and etc. in order to reach the fixed rate of profit they expect in exchange contracts in the form of partnership. Including such conditions in such a contracts lead to substantive exit of contract from common definition of partnership contract. But the operation of banks in economic analysis of law is nothing except to try to earn profit and avoid loss based on the theory of reasonable behavior in economy. So, it seems the first step to amend this defective cycle is consider the problem of inflation and decrease of value of money as one of the facts in country's economy. The solution is to finance partnership projects by banking investment funds or it is independent from banks. Manuscript profile -
Open Access Article
139 - Interest in the banking system with emphasis on compound interest in Iranian laws and international documents
علی دیزجی حسین مهرپور علیرضا مظوم رهنیField and Aims: In the modern financial system, it is accepted that banks operate for profit and interest, and the traditional view that banks are only money trustees is rejected today. Therefore, the issue of bank interest is always considered as a means of earning. In MoreField and Aims: In the modern financial system, it is accepted that banks operate for profit and interest, and the traditional view that banks are only money trustees is rejected today. Therefore, the issue of bank interest is always considered as a means of earning. Income is considered for banks. Although in Islamic banking, interest is considered usury and its receipt is prohibited. Based on this, in this research, we are looking to investigate what is the position of interest and especially compound interest in Iran's banking system and international documents, and do the laws emphasize its validity?Method: This article is written in analytical-descriptive method.Findings and Conclusions: In Article 713 of the Code of Civil Procedure approved in 1939, the lawmaker had explicitly prohibited the claim for damages, and on this basis, during the rule of the said law, the claim for damages for delay in payment or the claim for damages for damages was permissible beyond the uniformity of procedure No. 1458 dated 1327 15/9/2015, apart from damages for delay and litigation damages, the Supreme Court excluded all damages from the scope of Article 713 of the aforementioned law. However, in the Civil Procedure Law approved in 2000, there is no rule prohibiting damages from damages, but the legislator established a new one as described in Note 2. Manuscript profile -
Open Access Article
140 - Financial Profitability by Determining the Pattern of Causal Relationships between Factors Affecting the Customer’s Culture of E-banking Services (Case study: Bank Mellat)
Fereesteh Oghbaie Ali Rezaeiyan S. Mahdi Alvani S. Zabiholla HashemiAbstractOne of the most important ways to increase financial profitability for banks is to identify and attract more customers. Most research on financial profitability through identifying and attracting customers has ignored the cultural dimension and ignored or paid l MoreAbstractOne of the most important ways to increase financial profitability for banks is to identify and attract more customers. Most research on financial profitability through identifying and attracting customers has ignored the cultural dimension and ignored or paid little attention to this important and key factor. The purpose of this study is financial profitability by determining the pattern of relationships between factors affecting the culture of e-banking customers to attract and retain them more as an innovative step in serving the community. This research is descriptive in nature and method and applied in purpose. Typically, research is a mixed research (qualitative-quantitative) in the inductive paradigm. The data collection tool is a semi-structured interview and a questionnaire. Qualitative data obtained from interviews with customers and managers of the bank's marketing were coded using thematic analysis, and for financial profitability, the most important factors affecting the culture of e-banking customers have been extracted, categorized and approved by experts. In the quantitative part of the research, to determine the pattern of causal relationships between identified factors (ethnicity, values, literacy, art, laws, technology), the Demetel technique (group decision based on pairwise comparisons and expert judgment) was used. The results show that for financial profitability for Iranian banks, the factors affecting the culture of e-banking customers are important and affect each other, respectively: literacy, values, technology, ethnicity, laws and art. Manuscript profile -
Open Access Article
141 - Investigating social banking in the world for small industries and providing a solution on how to generalize it in Ardabil
Naser Seifollahi Vahideh EbrahimiKharajoAbstractIn the banking industry, a diverse range of activities has been introduced under the heading of social banking measures; Social banks try to invest in activities that improve the conditions of society as a whole. Stable investments and lending methods; These are MoreAbstractIn the banking industry, a diverse range of activities has been introduced under the heading of social banking measures; Social banks try to invest in activities that improve the conditions of society as a whole. Stable investments and lending methods; These are some of the things that these banks use to increase the quality of social life and play an important role in financing small industries. Although banks have been involved in this in recent years; But social banking is a new approach to the growth of small industries. Therefore, the present study seeks to investigate social banking in the world for small industries and provide a solution on how to generalize it in Ardabil province. In terms of orientation, this study is in the category of applied research and in terms of nature, it is in the category of exploratory research. It is also considered qualitative in terms of data certainty. The sampling method is a judgmental and purposeful method. The statistical population of the present study is all experts and experts in the field of banking, in which 20 interviews were conducted and analyzed. The results were analyzed using MAXQDA software. Data analysis was performed by analyzing the theme and after analyzing the interviews and open and centralized coding of the interview text, four dimensions of social banking were identified, which are (financing, environment, customers and society). Finally, by reviewing the research literature and presenting successful social banking solutions in the world; Solutions appropriate to the business environment of Ardabil province for small industries located in the towns and industrial areas of the province were given and suggestions in this regard were provided to banks to finance these industries. Manuscript profile -
Open Access Article
142 - The Impact of Credit Risk on the Banking System's Performance: (PANEL VAR Approach)
علی احمدی حسینعلی احمدی جشفقانی اصغر ابوالحسنی هستیانیIran's banking industry due to the lack of adequate development of capital markets and inefficiencies in the market long-term and short-term financing to undertake major economic activity. Accordingly, lending an important part of the financing operations of any bank a MoreIran's banking industry due to the lack of adequate development of capital markets and inefficiencies in the market long-term and short-term financing to undertake major economic activity. Accordingly, lending an important part of the financing operations of any bank account, but the probability of timely repayment of the loan and facilitates the credit risk in banks and inattention in this regard to adverse results in the performance of the banks, if the amount of risk in the public and private banks also have significant differences, it is also the impact of such risks on the performance of these banks will be different. Given the importance of this study is to evaluate the effect of credit risk on the banking system as well as comparison of public and private Y credit risk in banks during the period 1383-1392 has been discussed. In this regard, the operation panel data regression methods were used. The results showed jolts to the size of a standard deviation leads the credit risk of bank liquidity, return on assets and profitability of banks will be reduced. Based on the results, the long-term role in determining the profitability of banks is credit risk, but liquidity and efficiency in the long run significantly affected Ha bank assets with credit risk. Manuscript profile -
Open Access Article
143 - Factors Affecting the Internationalization of Banks
Mozhdeh Nilchian Mohammad Reza KabaranzadGhadim Jalal HaghighatMonfared Jamshid EdalatianShahriyariAbstractBanks, as the main sources of liquidity for manufacturing and service enterprises, have a very important role in the economic growth and development of a country. In addition, the existence of competitive markets increases the importance of this issue. One way t MoreAbstractBanks, as the main sources of liquidity for manufacturing and service enterprises, have a very important role in the economic growth and development of a country. In addition, the existence of competitive markets increases the importance of this issue. One way to gain competitive advantage, is internationalization, which many banks around the world have taken this step. The internationalization of banks is not a new phenomenon. Throughout the history of banking, internationalization has always been tied to banking. Today, banking services have become so diverse that many banks prefer to remove the old banking terms from their advertising programs and emphasize on the more prominent role of financial services firms _innovative, dynamic and customer-oriented service . The purpose of this article is to explain the factors affecting the internationalization of banks. The method of this research is theme analysis. In this regard, the study of theoretical literature has been used as a source of research. In order to complete and confirm the obtained themes, interviews with experts and then a comparative study have been conducted. Finally, 12 categories and 59 themes were extracted from the studied sources. Manuscript profile -
Open Access Article
144 - A framework for identifying the drivers affecting the future of the banking industry with emphasis on the role of financial technology
Behzad Moumivand Reza Gholami Jamkarani Mohammad Hasan Maleki Hossein JahangirniaAbstract In the present era, the development of digital currencies, open banking and digital banking has remarkably transformed the banking services market. Financial technology is one of the areas that will fundamentally change banking and its services.Fintechs with n MoreAbstract In the present era, the development of digital currencies, open banking and digital banking has remarkably transformed the banking services market. Financial technology is one of the areas that will fundamentally change banking and its services.Fintechs with new financial innovations create new business models, applications, processes and new products that have a significant impact on financial markets and the financial services industry. The present study seeks to identify the effective drivers on banking by emphasizing the role of financial technology. The present study is applied in terms of orientation and is a mixed research in terms of methodology. In this study, two methods of qualitative (meta-synthesis) and quantitative (best-worst fuzzy) were used to analyze the data. Therefore, the research has pragmatic philosophical foundations. The key driversis one of the factors that shape and influence the future of a given subject. In the first step, effective drivers were extracted using systematic literature review. The 17 research drivers were then prioritized using the fuzzy BWM technique and obtaining expert opinions. The statistical population of the present study is the managers and experts of the banking sector, fintechs and fintech startups in the country, 15 of whom were selected using judgmental sampling method. Finally, the drivers of integration and homogeneity of laws and standards for the development of financial technology activities, the growth of banking startups, changing the demands of new generations in banking services and the performance of technology parks and incubators in accelerating the entry of innovation into the business environmenthad the highest priority.Then the practical suggestions of the research based on the most important drivers were presented. Manuscript profile -
Open Access Article
145 - The mechanism of effect of economic factors on the volume of bank deposits in Iran's banking system (The test of money endogeneity versus money externality)
Mohammad Reza FaleNasiri Ramin Khochiani Hamid Esaish Seyed Hossein Sajjadi FarAbstractThe purpose of the present study is to investigate the mechanism of the effect of economic factors on the volume of bank deposits in the banking system of Iran. For this purpose, firstly, the test of endogeneity versus exogenity of money was tested by examining MoreAbstractThe purpose of the present study is to investigate the mechanism of the effect of economic factors on the volume of bank deposits in the banking system of Iran. For this purpose, firstly, the test of endogeneity versus exogenity of money was tested by examining the two views of conformists and structuralists, and then the effect of economic factors on the volume of bank deposits in the banking system of Iran with the threshold approach (STAR) and based on the quarterly data of 1379- 1397 was estimated. The results of the system generalized torques model show the confirmation of the conformist and structuralist views for Iran's economy, but the degree of money endogeneity in Iran is not complete, so the role of the central bank is important both through the monetary base and the increasing coefficient on the money supply. Also, the estimation of the results of the model (STAR) shows; The variables of exchange rate fluctuations and inflation rate, global financial crises have a negative effect and the variables of oil price, liquidity, bank deposit interest rate and bank facilities have a positive effect on the total volume of bank deposits. According to the results; One of the challenges that exists in the banking network of Iran is the government management of banks, therefore, monetary policies are a source of financing and a source of rent, so it is suggested to increase the liquidity of banks and direct it to the real sector of the economy, laws to reduce interference Government in private and public banks, to improve the competitive and banking atmosphere of the country. Manuscript profile -
Open Access Article
146 - Investigating the Causal Nexus Between Economic Growth, Banking Sector Development, Capital Markets Development and Macroeconomic Variables in Iran
Zarir Negintaji Hassan GolmoradiAdinevand MortezaAli SadeghinejadAbstractOne of the most important issues of economics is investigating the factors affecting economic growth and their impact. Some theorists believe that the development of the financial sector, including the development of the banking sector and the capital market, al MoreAbstractOne of the most important issues of economics is investigating the factors affecting economic growth and their impact. Some theorists believe that the development of the financial sector, including the development of the banking sector and the capital market, along with macroeconomic factors can provide the necessary basis for increasing economic growth. Indeed, there is a serious argument that a weakened financial system are trapped in a vicious circle where low levels of financial development will lead to poor economic performance and poor economic performance will lead to lower financial development.This study examines the relationship between economic growth, banking sector development, capital market development and some important macroeconomic variables. For this purpose, first the combined indicators of banking sector development and capital market development based on the principal component analysis (PCA) method are applied and then using vector autoregressive model and the Granger causalities test, Causal nexus between variables for time series data of Iranin economic between 1363-1397 Is examined.The results of this study show that there is a mutual Causal nexus between economic growth and financial development both in terms of banking sector development and capital market development, so financial development in terms of both banking sector development and market development Capital have reciprocal relation with economic growth. The causality between the development of the banking sector and the capital market is also two-sided and this suggests the importance of integrated financial sector development. Manuscript profile -
Open Access Article
147 - Developing Green Banking Model Based on Innovation Management Components for Sustainable Competitive Advantage
فاطمه حجاران رضا رادفر علی دیواندری داوود فداییAbstract By promoting a sustainable environment and investing in social responsibility,the banking industry can provide sustainable development and benefit from it. The purpose of this study is to provide a green banking model based on innovation management to gain sus MoreAbstract By promoting a sustainable environment and investing in social responsibility,the banking industry can provide sustainable development and benefit from it. The purpose of this study is to provide a green banking model based on innovation management to gain sustainable competitive advantage in this industry. In this research, based on the effective components of the Green Banking Model (Hajjaran et al.,1397),a green banking model was presented and six standard questionnaires were used to assess the fit of the model and confirm the five-dimensional hypothesis of the research.Using an Adaptive Neuro-Fuzzy Inference System. The analyzes were performed on the data obtained from 310 questionnaires by a random sample from senior managers, middle managers and employees of the innovation,information technology sector of the selected banking industry. After implementing the model, the results show that increasing the component of innovation management will increase the amount of sustainable competitive advantage. Increasing the variable of innovation management as well as increasing green banking has increased the competitive advantage of sustainability. Also, increasing the green bank rules and regulations by increasing the green bank variable has increased the competitive advantage of the bank. Increasing the amount of Green Bank component and mediating senior management's environmental concerns maximizes sustainable competitive advantage and increasing innovation management and increasing environmental concerns of senior management will increase the sustainable competitive advantage. Manuscript profile -
Open Access Article
148 - Investigating the effect of electronic receipt and payment tools on reducing government and bank costs
Behzad Alinejadi Ahmed Sarlak Cambys HejbarKianiAbstractToday To continue their economic life, financial institutions are required to adopt e-banking methods in order to be more competitive, reduce operating costs, increase profitability, and improve the quality of customer service. Electronic services and the develo MoreAbstractToday To continue their economic life, financial institutions are required to adopt e-banking methods in order to be more competitive, reduce operating costs, increase profitability, and improve the quality of customer service. Electronic services and the development of e-banking are a big step towards reducing costs, reducing government spending and even controlling cost. This study aims to investigate the effect of e-banking in reducing banking operating costs and reducing government spending by using a random dynamic general equilibrium and considering the economic sectors of households, enterprises, government and monetary authority and information of private and public banks. To study in the period of 1375-1396. The results indicate that the use of electronic payment and receipt tools will lead to further reductions in bank costs, as well as lower energy prices and government spending. Manuscript profile -
Open Access Article
149 - Present and test the model of factors affecting the adoption of e-banking based on Grounded theory (Case Study: Maskan Bank of IRAN)
ali omidi Vahid reza mirabi Edris MahmudiThe purpose of this study was to identify a comprehensive model for accepting e-banking in MASKAN Bank of Iran. In accordance with the systematic model of the Grounded theory, IT managers of the Maskan Bank in 20 provinces were interviewed with profound qualities as exp MoreThe purpose of this study was to identify a comprehensive model for accepting e-banking in MASKAN Bank of Iran. In accordance with the systematic model of the Grounded theory, IT managers of the Maskan Bank in 20 provinces were interviewed with profound qualities as experts. After encoding the interviews in 3 stages, a model for accepting Banking Electronics Bank was identified. The results showed that five factors are effective factors in accepting e-banking: cost savings, customer needs management, perceived assurance, perceived functional quality and perceived value. In the next step, based on the obtained model, a questionnaire was designed and 18 hypotheses were formulated. After data collection, using the Structural Equation and LISREL software, the research model was tested. The results of this stage indicated that all of the five factors, due to customer attitudes toward e-banking, have indirect effects on such outcomes as customer satisfaction, customer loyalty and trust. Manuscript profile -
Open Access Article
150 - Investigating the Factors Affecting the Use of Mobile Banking by Customers (Case Study: Data of Branches of National Bank of Mazandaran Province)
Hooman Shababi Mahmoud Yahyazadehfar Maryam Ghiasabadi Farahani Arash Geran OrimiBusiness and business practices are one of the most important areas that were rapidly and strongly influenced by the use of new information and communication technologies and the Internet. One of these services is mobile banking. The purpose of this study is to investig MoreBusiness and business practices are one of the most important areas that were rapidly and strongly influenced by the use of new information and communication technologies and the Internet. One of these services is mobile banking. The purpose of this study is to investigate the factors affecting the use of mobile banking by customers of National Bank branches in Mazandaran province. This research is applied in terms of purpose and descriptive-survey in terms of data collection method. The statistical population of the study was the customers of the branches of the National Bank of Mazandaran province, from which 384 people were selected based on the Cochran's formula and the available probability sampling method. The data collection tool was a questionnaire and PLS software was used for its analysis. The results showed that performance expectations, facilitator conditions, motivation, price value, habit, system quality and service quality have a significant effect on e-banking. Also, customer consumption of e-banking has a significant effect on satisfaction and loyalty and the hypotheses of effort expectation, social impact and information quality do not have a significant effect on e-banking. Manuscript profile -
Open Access Article
151 - Evaluate Strategic Criteria of Digital Banking Implementation Using Integration of Interpretive Structural Modeling and Fuzzy DEMATEL Approaches
davod khosroanjom behzad keshanchi amir pourgholi shovaneh abdoullahiDigital banking and identifying the requirements to move from the current situation to the desired situation require a set of business changes in the areas of activities, processes, capabilities and business models. Digital strategy is a way for banks to be able to adap MoreDigital banking and identifying the requirements to move from the current situation to the desired situation require a set of business changes in the areas of activities, processes, capabilities and business models. Digital strategy is a way for banks to be able to adapt to digital transformation and ensure their survival from the opportunities of technology development. Reconstruction of the banking system through the use of new technology-based strategies and migration to digital banking is one of the main concerns of the banking industry. Therefore, in this study, strategic criteria of digital banking implementation were analyzed through separate questionnaires and opinion polls from 10 banking industry experts. The purpose of this study is to use soft operation research approaches, namely, Interpretive Structural Modeling, to structure the relationships between the strategic indicators of digital banking implementation and the application of Fuzzy DEMATEL to identify the strengths and weaknesses of the criteria. The results showed that the “Business Process Strategy” criterion is the basis for the implementation of digital banking and the “Content Strategy” criterion had the highest interaction and dependency with other criteria. Manuscript profile -
Open Access Article
152 - Presenting a conceptual model of corporate banking in specialized banks
alireza nazari Mohammad Hossein Ranjbar Sirajuddin Mohebbi Mehdi BagheriThe purpose of this study is to identify the dimensions and components of the corporate banking model in specialized banks. In the last two decades, banks have tried to base their activities on providing services to the people. Review of corporate banking concepts After MoreThe purpose of this study is to identify the dimensions and components of the corporate banking model in specialized banks. In the last two decades, banks have tried to base their activities on providing services to the people. Review of corporate banking concepts After conducting a review of the status of advanced banks, by interviewing banking industry experts using qualitative analysis method, we designed the corporate banking model in specialized banks by banking industry experts and identified metrics and components. Professors, experts and experts in the field of banking and corporate banking and the sample size includes 21 of them. To collect the data while conducting a semi-structured interview and using the Delphi method, a qualitative analysis was performed with the software of MAXQDA (MAXQDA 2018). Based on this, thirteen components in corporate banking were identified in specialized banks and finally the results showed that eleven components. : Customer identification, marketing strategy, communication channels, corporate banking performance, needs identification, competitive advantage, data security, customer acquisition and retention, innovation and diversity, skill and expertise and customer loyalty were approved. Finally, a conceptual model is presented. Manuscript profile -
Open Access Article
153 - Modeling of Political Communications of the Board of Directors and Credit Risk Empirical Evidence of Iran's Interest-Free Banking System (Dynamic Panel Data Approach
Ali Heydari Ezatullah Abbasian Farzaneh KHaliliThe purpose of This study attempts to investigate the effects of interactions between politically connected CEO (PCCEO), independent directors, and credit risk of banks in an emerging country. It has been widely stated in the theoretical literature that political connec MoreThe purpose of This study attempts to investigate the effects of interactions between politically connected CEO (PCCEO), independent directors, and credit risk of banks in an emerging country. It has been widely stated in the theoretical literature that political connections increase the value of organizations. Political connections may have a positive or negative effect on the performance of the bank. answering the question of whether banks' political connections have a positive or negative impact on their financial performance cannot be answered with certainty. In this study, commercial banks include 16 banks for the period 1390-1396. To collect the required data for the banks listed on the Tehran Stock Exchange, the database of Codal publishers was used. The information contained in the performance report of Iranian banks collected by the Higher Institute of Banking of Iran was also used. For investigation of this issue, we employ the SGMM method (System Generalized Method of Moments) or in other words, dynamic GMM approach, and we find politically connected boards to exert significant influence on credit risk. Manuscript profile -
Open Access Article
154 - Identifying the effective factors on the investment in the growth Stage of knowledge-based companies' technological projects in banking system
mahmoud khatib mohammad javad mohaghegh nia mahdi sadeghi shahdani mustafa sargolzaeiInvestment of technological projects in the growth stage plays a key role in accelerating the growth, capital attraction or liquidity supply of knowledge-based companies. This study aims to identify the investment factors in technological projects of the growth stage in MoreInvestment of technological projects in the growth stage plays a key role in accelerating the growth, capital attraction or liquidity supply of knowledge-based companies. This study aims to identify the investment factors in technological projects of the growth stage in the banking system to create a mechanism for risk distribution, attract public participation, and support the knowledge-based economy. This research is of development-application type and the method of data collection is survey type. The data are collected through survey using questionnaires filled by venture capital experts and bank system managers. Factors influencing investment in two parts of the organization including the entrepreneurial team, product characteristics and Technology Company and external company including technological business ecosystem and Macroeconomic factors were identified. The partial least squares method with the help of Smart PLS software showed that the investment stages of technological projects Investments have a medium to high impact and the characteristics of the technology company have the greatest impact on the investment of technological projects and the characteristics of the technology company have the greatest impact on the investment of technological projects in the banking system. The proposed financing model based on the factors affecting investment in the banking system. Manuscript profile -
Open Access Article
155 - Retail banking and its effective marketing factors (Case study: Branches of Mellat bank in Sanandaj)
Sayed Mohammad MoosaviJad Khabat Nesaei Seyed Mohammad Reza MovahedToday, the banking industry plays a role beyond its inherent position in the Iranian economy, which means that it has taken on the duties of other sectors of the economy, especially the financial spheres. This degree of importance requires that more research be done in MoreToday, the banking industry plays a role beyond its inherent position in the Iranian economy, which means that it has taken on the duties of other sectors of the economy, especially the financial spheres. This degree of importance requires that more research be done in this industry. In the present study, according to two basic points; The prominent role of micro-banking in combining resources and reputation management of banks and the high number of micro-customers in banks in Sanandaj, micro-banking has been considered as a turning point of the present study. Therefore, the present study examines micro-banking and marketing factors affecting it. The present study is applied in terms of purpose and descriptive-survey in terms of method. The data collection tool is a questionnaire. The statistical population of the present study is all micro-customers of Bank Mellat branches in Sanandaj and 384 customers were selected as a sample using available Morgan table. The results showed that all research hypotheses are confirmed and there is a significant relationship between research variables. Manuscript profile -
Open Access Article
156 - Design and psychometric tools to determine value creation factors for corporate banking customers
Ali Asghar Farahmand Mirfeiz Fallah Gholam Reza ZomorodianCreating a value creation chain is essential for those bank customers who have a significant share of financial resources, opportunities and potentials in the financial markets to attract resources, allocate and invest and perform financial and economic activities. This MoreCreating a value creation chain is essential for those bank customers who have a significant share of financial resources, opportunities and potentials in the financial markets to attract resources, allocate and invest and perform financial and economic activities. This segment of customers includes legal customers, or in other words, companies, public, private and semi-private companies. The purpose of this study is to design an appropriate tool to determine value creation factors and evaluate its validity and reliability. First, using the snowball method, experts, key specialists and customers of the company were identified in the Welfare Bank of Tehran and Isfahan provinces, which according to the theoretical saturation of the researchers, 18 people were interviewed. Then, using their opinions, 61 items of the questionnaire were extracted and by calculating the content validity ratio and content validity index, the number of acceptable items was reduced to 51 items and the reliability of the questionnaire was confirmed using Cronbach's alpha and ICC. Manuscript profile -
Open Access Article
157 - Identify the dimensions of the business system in the re-engineering model in the public banking industry with emphasis on customer orientation
Mohsen Fallah Farideh haghshenaskashani Ali RezaeianThe purpose of this study is to identify the dimensions of the business system in the re-engineering model in the public banking industry with emphasis on customer orientation. The present study was qualitative and used grounded theory. Therefore, the research method is MoreThe purpose of this study is to identify the dimensions of the business system in the re-engineering model in the public banking industry with emphasis on customer orientation. The present study was qualitative and used grounded theory. Therefore, the research method is fundamental in terms of purpose. The population studied in this study includes bank managers and experts working in different sectors of the banking industry in Tehran. Sampling is unlikely and will continue until theoretical saturation is reached, based on which 11 people were interviewed. To analyze the data, data coding (open, axial, selective) was used, which includes taking notes during coding, the relationship of categories with each other, and finally the final formulation of the theory. The results showed that the five dimensions or factors of providing the maximum benefits to the banking industry stakeholders, speed and cheapness of services, application of rules and standards, observance of banking management frameworks and creation and improvement of methods leading to banking industry customers can re-engineer the entire business Iranian banking should be effective by emphasizing customer orientation. Manuscript profile -
Open Access Article
158 - Investigating Monetary-Banking Sanctions and Related Social Changes in Human Rights Enforcement
Mohammad Hossain Khademeyan Ali Pour Ghassab Amiri Hassan SoleimaniIn principle, a sanction in international law means methods in which actions are taken by an injured party or subjects in international law against a government in breach of its obligations until the latter function ceases to continue its violations or adopts a policy t MoreIn principle, a sanction in international law means methods in which actions are taken by an injured party or subjects in international law against a government in breach of its obligations until the latter function ceases to continue its violations or adopts a policy that is in line with the policies of the provocative function. The most important type of sanctions in terms of their effectiveness and scope of application in international relations is economic sanctions. Monetary and banking sanctions are also considered part of economic sanctions in international law. But the imposition of sanctions in general and the imposition of monetary and banking sanctions in particular have consequences, including their negative impact on the realization of human rights. The fundamental question, then, is what effect do monetary and banking sanctions have on the enjoyment of the human rights of the citizens of the target country? This research has been done by documentary and library study method. The results show that the use of monetary and banking sanctions against some countries for specific purposes, although it can lead to a change in the behavior of some target states, but due to the restrictions imposed on individuals and subjects of that state and The fundamental violation of some human rights has been followed by the negative reaction of governments, governmental and non-governmental institutions and organizations, and of course the general public and free nations of the world, and has reduced the acceptance of these sanctions. Manuscript profile -
Open Access Article
159 - The mediating effect of banking system fragility on the relationship between controlling shareholder sensitivity and interest rate divergence
simin rajizadeh Amirhossein Taebi Noghondari Hadis ZeinaliBanks and credit institutions, as one of the main pillars of financial markets, have special vulnerabilities in this field and make them fragile in the face of crises. Depending on their situation, banks offer different interest rates on interest on deposits and facilit MoreBanks and credit institutions, as one of the main pillars of financial markets, have special vulnerabilities in this field and make them fragile in the face of crises. Depending on their situation, banks offer different interest rates on interest on deposits and facilities, which leads to interest rate divergence. This study investigates the mediating effect of banking system fragility on the relationship between the sensitivity of controlling shareholders and interest rate divergence in companies listed on the Tehran Stock Exchange. In this study, 31 banks and financial institutions listed on the stock exchange were reviewed annually during the years 2011 to 2020. The results of testing the hypotheses using multivariate regression method show that 1- There is a negative and significant relationship between the sensitivity of controlling stakeholders and interest rate divergence. 2- There is a negative and significant relationship between the sensitivity of controlling shareholders and the fragility of the banking system. 3. There is a negative and significant relationship between the fragility of the banking system and interest rate divergence. 4. The fragility of the banking system explains the relationship between the sensitivity of controlling shareholders and interest rate divergence. Manuscript profile -
Open Access Article
160 - An Assessment of Foreign Portfolio Investment in Hierarchical Model based on Topsis Algorithm
Gholamreza Amini Khiabani Karim HamdiPortfolio or Stock Investment is one of the most important investment methods especially in foreign market. In regulation of Organization for Investment Economic and Technical Assistance of Iran, stock investment is classified in 5 different sections including “St MorePortfolio or Stock Investment is one of the most important investment methods especially in foreign market. In regulation of Organization for Investment Economic and Technical Assistance of Iran, stock investment is classified in 5 different sections including “Stocks of Corporation”, “Bonds”, “Fellow of Banking Capital”, “Trading Securities”, and “Governmental Treasury Bills”. Gathering the data by means of a questionnaire distributed among the target population including managers and experts of the Organization for Investment Economic and Technical Assistance of Iran, we investigate on stock investment methods in foreign market in hierarchical model based on Topsis algouritm. Due to the answers gathered from the questionnaire, we identified 8 factors effective on portfolio investment to be used in topsis algorithm. These effective factors was entered to a decision making matrix, using in ranking portfolio investment styles based on ideal solutions technique. Results showed that the corporation stocks is the first and the top priority for international portfolio investors Manuscript profile -
Open Access Article
161 - The Effect of the Central and Peripheral Compatibility with Mobile Banking Features Considering Moderating Role of Self-Efficacy
Maryam AbdoliAbstract Mobile banking is one of the new branches of e-banking have been facing widely welcomed in most countries. The aim of this study is to investigate the effect of the central and peripheral cues with mobile banking adoption in moderating role of self-efficacy. To MoreAbstract Mobile banking is one of the new branches of e-banking have been facing widely welcomed in most countries. The aim of this study is to investigate the effect of the central and peripheral cues with mobile banking adoption in moderating role of self-efficacy. To test the hypothesis correlation analysis and partial least squares (PLS) was used. For sampling, Tehran university students were chosen using the random sampling method. The questionnaires were distributed among 172 students of which 152 were usable. The results suggested that the most important factor in building initial trust is known as peripheral cues. Quality of service (reliability in mobile banking) is the most important factor recognized by customers who have experience of using mobile banking. Also moderating role of self-efficacy confirmed the relation between central and peripheral cues with mobile banking adoption. Manuscript profile -
Open Access Article
162 - Investigating the feasibility of committing banking crimes in the electronic banking system
Zarifeh Rezazadeh hamidie fatemeh ahadiElectronic banking is a special type of banking system that uses the electronic environment to provide services to its customers, and in addition, all banking operations such as receiving or depositing money, verifying signatures, checking the balance and other banking MoreElectronic banking is a special type of banking system that uses the electronic environment to provide services to its customers, and in addition, all banking operations such as receiving or depositing money, verifying signatures, checking the balance and other banking operations are also done electronically. will be It is obvious that with the increase of people's access to the Internet and its unique features, and because in this type of banking, advanced software and hardware technologies based on network and telecommunications are used to exchange resources and financial information, therefore the possibility of committing Crimes in the electronic banking system will also increase. The purpose of this research is to investigate the feasibility of committing banking crimes in the electronic banking system. The research method is descriptive and analytical, and the research findings indicate that unauthorized access to banking data and systems, electronic signature forgery, and internet fraud are the most important and common crimes that occur in the electronic banking system. Manuscript profile -
Open Access Article
163 - Multi-level Analysis of Success Factors in Islamic Banking with a Structural-Interpretive and Recursive Approach
jalal yousefi parviz saeidi Maryam Bokharayan Jamadordi Gorganli DojiPurpose :The main objective of this research is to provide a multi – level analysis of success factors in Islamic banking using a structural - interpretive and recursive approach . The present study is considered applied research in terms o MorePurpose :The main objective of this research is to provide a multi – level analysis of success factors in Islamic banking using a structural - interpretive and recursive approach . The present study is considered applied research in terms of its approach . Reseach Methodology: The perssent study is considered in terms of its purpose and a mixed research method in terms of its approach. The data collection tools include an expert questionnaire and the poplation consists in the fild of banking. Purposeful sampling method was used to select the sample individuals , and data analysis was performed using Excel software . Subsequently , the pattern of Islamic banking was catrgorized using structural - interpretive modeling . In the present study the factors were categorized into six levels . Finally , the structural - interpretive model was tested in form of a recursive quantitative model. Findings: Based on research findings the relationships between variables showed positive path coefficients . The t – statistics of the relationships were reported to be statistically significant at %95 confidence level. Examination of the path coefficients of the inter relationships between variables at horizontal levels indicated that the interrelationships were reported in a matrix form and were statistically significant .. Manuscript profile -
Open Access Article
164 - Developing a Model of Factors Affecting the Profitability of the Banking Industry Based on Structural-Interpretive Modeling (Case Study: Tejarat Bank of East Azarbaijan Province)
Shapour rahmani Soleyman Iranzadeh Yaqhoub Alavi MatinRecent turmoil in the global financial system has highlighted the importance of a well-performing financial system for economic growth. A healthy and profitable banking industry can better withstand negative shocks and help stabilize the financial system. Accordingly, t MoreRecent turmoil in the global financial system has highlighted the importance of a well-performing financial system for economic growth. A healthy and profitable banking industry can better withstand negative shocks and help stabilize the financial system. Accordingly, the purpose of this study was to develop a model of factors affecting the profitability of the banking industry based on structural-interpretive modeling in Tejarat Bank of East Azerbaijan Province. This research was based on the purpose of applied-developmental research. The statistical population of the study was divided into two sections: managers and heads of branches of Tejarat Bank of East Azerbaijan Province and research experts to determine the pattern of relationships between factors affecting profitability. Two questionnaires were used to collect data, the validity and reliability of which were assessed based on the construct validity and Cronbach's alpha coefficient. In order to analyze the data, confirmatory factor analysis and structural-interpretive modeling have been used. Findings show that the factors affecting profitability can be classified into twelve indicators and three main components. Also, the results of structural-interpretive modeling show that for the profitability of Iranian banks, primarily government factors are important, followed by economic factors and finally the specific characteristics of the bank Manuscript profile -
Open Access Article
165 - Identifying Strategic Factors and Scenario Planning in the Banking Industry with an Uncertainty Approach
Mahdi Joneidi Jafari AliReza Jalali FarahaniThe main purpose of this study is to identify the most likely future scenarios of the banking industry in order to investigate and analyze the sub-objectives of the research, including identifying key factors and strategic drivers affecting the Iranian banking industry. MoreThe main purpose of this study is to identify the most likely future scenarios of the banking industry in order to investigate and analyze the sub-objectives of the research, including identifying key factors and strategic drivers affecting the Iranian banking industry. Therefore, this study seeks to identify the most important possible scenarios for the banking industry while identifying the strategic factors affecting the future of the banking industry and also examining and analyzing their interactions. The research is practical in terms of purpose and cross-sectional in time. In order to identify the strategic factors affecting the banking industry, the library method was used and 84 factors were identified. Then, using the fuzzy Delphi method, strategic factors were selected and academic and industry experts selected 37 factors. Then, the interaction analysis matrix method and Micmac software were used to evaluate and identify key factors, and 9 strategic factors were included in the scenario wizard software to form the portfolio of future scenarios of the banking industry. Finally based on the output of the scenario wizard, two scenarios including two optimal and critical modes are drawn and analyzed Manuscript profile -
Open Access Article
166 - A Model based on Cloud Computing for the implementation and management IT services in Banks
Najla Niazmand -
Open Access Article
167 - Considering the Effects of Open Courseware Education Website Technology on Improving Educational Productivity
Farhad Ebrahimi Abbas Toloie Eshlagy Navid Nezafati -
Open Access Article
168 - The Application of Combined Fuzzy Clustering Model and Neural Networks to Measure Valuably of Bank Customers
Raheleh Nasiri Sharifi Maryam Rastgarpour -
Open Access Article
169 - Evaluating the quality of e-banking services in the Iranian banking network by using the Servqual model
A. Moradi R. Alaie Bhkhsh M. Shahchra A. Ahmadian -
Open Access Article
170 - Identifying customer preferences in using e-banking services
M. Shahchra A. Moradi H. Arabi A. Ahmadian -
Open Access Article
171 - Application of Alternative Dispute Resolution (ADR) in International Economic Law
morteza karkhaneh Mohammadreza hosseini Mohammadali Solhchi haybatallah najandimaneshAlternative Dispute Settlement (ADR) phrase is a common term that refers to peaceful and out-of-court dispute settlement. In this way, the parties to the dispute, instead of resorting to the courts, settle their claims by a third party or in a manner they consider appro MoreAlternative Dispute Settlement (ADR) phrase is a common term that refers to peaceful and out-of-court dispute settlement. In this way, the parties to the dispute, instead of resorting to the courts, settle their claims by a third party or in a manner they consider appropriate. The most important kinds of this method are: arbitration, negotiation, mediation, conciliation, Amiable Composition, and combinatorial methods. On the other hand, international economic law covers a wide range of areas including financial and banking law, commerce and foreign investment law. The key question of this study is what is the notion of alternative methods? And how we can effective and efficiently the resolving disputes arising from economic law? This study uses a descriptive-analytical method and its results show that the origin of international economic disputes is mainly due to the interpretation or performance of commercial contracts and banking and financial agreements, disputes arising out of expropriation, or deny of services. Because of international economic law subjects are diverse and even include natural persons, disputes are very complex; the parties to the disputes are usually reluctant to refer disputes to state courts and judicial authorities, thus using alternative means to resolve their disputes. Manuscript profile -
Open Access Article
172 - Identifying and ranking the capital structure index effective on evaluating financial performance in private banks
zahra fazeli Farzaneh Bikzadeh Abbasi سهیلا سردارThe banks are the most important financial institutions in the financial markets, which play a vital role in the growth of the economy and supporting businesses, and their financial performance is always important as a measure to measure the health and financial stabili MoreThe banks are the most important financial institutions in the financial markets, which play a vital role in the growth of the economy and supporting businesses, and their financial performance is always important as a measure to measure the health and financial stability of banks. Therefore, the evaluation of financial performance in private banks is one of the important issues in the banking industry, and due to the importance of the relationship between financial leverage and financial performance, the purpose of this research is to identify and rank the capital structure index effective on the evaluation of financial performance in private banks. The statistical population of the current research is the experts of private banks who were selected by snowball sampling method. This study was conducted in two qualitative and quantitative phases and in the period of 2022-2024. In the qualitative phase, database theory and semi-structured interviews have been used to identify capital structure indicators. In the quantitative phase, the identified indicators were ranked using the fuzzy hierarchy technique and the paired comparison questionnaire. The results indicate that 13 indicators have been determined as capital structure indicators that are effective in evaluating the financial performance of private banks, after determining their weight with the fuzzy AHP method, the interest coverage ratio index has the first rank and the debt coverage index has the last rank. Manuscript profile -
Open Access Article
173 - Structural model of desire to use electronic banking services based on personality dimensions and brand management
marzieh yarizanganeh Alireza Nik SereshtThe present study was conducted with the purpose of testing the appropriateness of the assumed model of willingness to use electronic banking services based on personality components and brand management in Sepah Bank. In terms of the purpose of the present study, in te MoreThe present study was conducted with the purpose of testing the appropriateness of the assumed model of willingness to use electronic banking services based on personality components and brand management in Sepah Bank. In terms of the purpose of the present study, in terms of its applied purpose, in terms of its nature and descriptive method, correlation is the type of structural equation modeling. The statistical population of the research is the clients receiving banking services of Sepah Bank in Fars province, and the sample size was determined through Morgan's table (number 384) as an information gathering tool. In order to measure individual personality dimensions, Myers et al.'s (1998) personality questionnaire, to measure brand management, brand image from Lin et al.'s (2015) questionnaire, brand identity from Mill and Ashforth's (1992) questionnaire, brand performance from Cassidy, Weimer and Okas questionnaire. , (2018) was used. Cronbach's alpha coefficient obtained (dimensions of individual personality, 0.749, brand image, 0.734, brand identity, 0.841, brand performance, 0.801) indicates that the reliability of the tool has an acceptable level. In the analysis of research data, descriptive statistics and inferential statistics have been used to estimate hypotheses from correlation matrix and structural equation modeling. SPSS version 25 software was used for data analysis and 3 pls software was used for model fitting. The research results indicate that positive and significant relationships have been estimated between all research variables at the level of (p<0.01). The highest correlation was estimated in the dimension of personality components related to the judgment variable and in the dimension of brand management, the highest correlation was estimated to be related to brand performance. In line with the hypotheses of the research, it was determined that most of the investigated paths in the model were realized The indicators of the proposed model had an Manuscript profile -
Open Access Article
174 - Presenting a Model for Sustainable Banking: A Qualitative Study
Reza Mazrae Farahani Maryam Ooshak Saraei Gholamreza Mahfoozi Mohammad TaleghaniSustainable development is necessary for banks to achieve their financial development goals. The present study aims to present a sustainable banking model based on strategic options development and analysis. This qualitative study was conducted on the experts of Iran's MoreSustainable development is necessary for banks to achieve their financial development goals. The present study aims to present a sustainable banking model based on strategic options development and analysis. This qualitative study was conducted on the experts of Iran's banking industry. Accordingly, 15 samples were selected by purposeful sampling. In the qualitative section, the components of sustainable banking were identified by the SODA method. Finally, 10 primary components and 140 secondary components were obtained from the analysis of the interviews. The primary components included environmental factors, social factors, economic factors, new and green technologies, clean energy, human resources, bank customers and bank management, macro and government factors, and the implications of sustainable banking. Several key elements were identified based on the results obtained from the SODA method. They include human capital, economic factors, environmental and social factors, and the measures taken in this area are mostly related to production management (sustainable production). Finally, the goals of sustainable banking are sustainable growth and development, bank research and development, and organizational transformation. Manuscript profile -
Open Access Article
175 - The impact of electronic service quality on customer satisfaction Bank Case Study: Mellat Bank branches in East Tehran
Mohammad Reza Sharifie Mohammad Rahim Rasouli AzadAbstract The aim of this study is examines of the impact of electronic service quality using E.Servqual model on customer satisfaction nation's in Bank Mellat branches in East of Tehran. The sample method selection was random selection and 384 person has bee MoreAbstract The aim of this study is examines of the impact of electronic service quality using E.Servqual model on customer satisfaction nation's in Bank Mellat branches in East of Tehran. The sample method selection was random selection and 384 person has been selected as sample. Inventory of customer satisfaction and service quality, distribution customers and to examine the hypothesis of structural equation method is used with software LISREL and to describe the software SPSS version 16 was used. The results indicate that the electronic service quality and customer satisfaction of Bank Mellat branches in East of Tehran, there is a positive relationship. It can be concluded that with the rise of electronic banking service quality, customer satisfaction increases and vice versa. Manuscript profile -
Open Access Article
176 - An Analysis of E-Service Quality vs. Customer Satisfaction in Melli Bank, Islamic Azad University Branch
Ruhollah Mehdinezhad Javad Ghaed mohammadyAbstract The aim of this study was to investigate the relationship between E-service quality and customer satisfaction in Melli Bank, Islamic Azad University Branch in the year 2016 which in terms of purpose, practicality and implementation adhered to the descriptive su MoreAbstract The aim of this study was to investigate the relationship between E-service quality and customer satisfaction in Melli Bank, Islamic Azad University Branch in the year 2016 which in terms of purpose, practicality and implementation adhered to the descriptive survey method. The study population included all customers of Melli Bank, Islamic Azad University's Branch in the year 2016 which, based on the data obtained from the bank manager, was 7141 people. The final sample amounted to 378 subsequent to Cochran’s sample size calculation. The sampling method used in this study was stratified random sampling and the research tool was an expert reviewed questionnaire. Analysis of Pearson correlation, regression and variance were performed on the data. The results showed a significant relationship between the variables of E- service quality (performance, completeness, availability, confidentiality, accountability and service compensation) and customer satisfaction. Manuscript profile -
Open Access Article
177 - Brand Transgression and it’s Consequences in the Iranian Banking Industry
Gholamreza Shahbazi ُSoleyman Iranzadeh Bagher AsgarnezhadThe main purpose of this research was to investigate and identify the components of brand transgression and its consequences in the Iranian banking industry and to validate the obtained model. In this research, first qualitative data was collected through in-depth inter MoreThe main purpose of this research was to investigate and identify the components of brand transgression and its consequences in the Iranian banking industry and to validate the obtained model. In this research, first qualitative data was collected through in-depth interviews, and then quantitative data was collected and the hypothesis was tested. Therefore, in the current research, a sequential exploratory mixed research strategy has been used. In the qualitative phase of the research, the five main components of brand transgression in the Iranian banking industry were identified in the form of gross transgressions, violations of the principles of usury-free banking, financial transgressions, administrative and professional transgressions, and ethical transgressions; At this stage, three behavioral, economic and social consequences were identified as the consequences of the brand transgression in Iranian banking industry. In the quantitative phase of the research, the hypothesis obtained in its qualitative part was tested and confirmed. The results obtained in this research contained important theoretical and practical points that have been discussed in detail. The present research is one of the first researches conducted on the simultaneous identification and explanation of the BT in the banking industry and the first case in the Iranian banking industry Manuscript profile -
Open Access Article
178 - Providing a paradigm model of customer interaction with an emphasis on electronic management of customer relations (a study of banks-affiliated universities)
Seyed Mohammad Azimi Kiumars Aria Seyed Mehdi JalaliThe growth of information technology and the changes that have occurred in the way of communicating and analyzing customer data have affected traditional marketing methods and created new methods that are more in line with direct communication and marketing. On the othe MoreThe growth of information technology and the changes that have occurred in the way of communicating and analyzing customer data have affected traditional marketing methods and created new methods that are more in line with direct communication and marketing. On the other hand, banks and interacting with customers is an inevitable necessity so that they can remain competitive. Therefore, the purpose of this research was to fit the paradigm model of customer interaction with an emphasis on electronic management of customer relationship with an emphasis on electronic management of customer relationship (study of banks-affiliated universities). The method of this research was quantitative-survey and practical in terms of purpose. The statistical population includes all employees and customers of Sepeh Bank branches in Tehran. In this section, the sample size was calculated using Cochran's formula and 385 people were selected as a statistical sample. The research instrument was a questionnaire made by the researcher, whose validity was checked by three expert professors. Also, reliability was also done with Cronbach's alpha test, the result of which was 0.88. Structural equation method was also used to analyze the results. The results showed that the causal conditions had the value of R2-0.32 and Q2-0.19. Background factors with value (R2-0.31 and Q2-0.20), intervening factors with value (R2-0.45 and Q2-0.30), strategic factors with value (R2-0.44 and 0.22) Q2-) and finally the results were with the value (R2-0.36 and Q2-0.22). In general, the desired model had a good fit. It can be concluded that the factors (contextual, intervening, strategies, central and consequences) that have a significant effect on the model in the current research can be considered by the banking system planners and planners. Manuscript profile -
Open Access Article
179 - A Qualitative Study on Iranian EFL Teachers’ Perceptions of Critical Pedagogy-Based Teacher Effectiveness
Shiva Ghorbani Shahram Afraz Neda Fatehi Rad Fazlolah SamimiOne of the significant factors in EFL learning is teacher effectiveness which is of high importance since teachers are really and directly engaged in language learning as the final aim of English classes. This study aimed at exploring Iranian EFL teachers’ perceptions o MoreOne of the significant factors in EFL learning is teacher effectiveness which is of high importance since teachers are really and directly engaged in language learning as the final aim of English classes. This study aimed at exploring Iranian EFL teachers’ perceptions of critical pedagogy-based teacher effectiveness. In so doing, a qualitative thematic analysis method was used. The participants included 20 male and female Iranian English teachers who were selected through purposive sampling. To collect the data, a semi-structured interview was used. According to the results, the following themes were extracted from the data: Paying Attention to Students’ Needs, Being Aware of Students’ Goals in English Learning, Friendly Relations with Students, Flexibility in Teaching/Assessment Methods, Making Classes Student-Centered, Cooperative Teaching, Facilitating Students’ Learning, Being Aware of the Last Achievements in the Field of TEFL, Generating Equal Opportunities for All Students in the Class, Teaching Students Problem Posing Skills, and Teaching Students Critical Thinking Skills. The findings have some implications for EFL teachers, learners, teacher education instructors and policymakers. Manuscript profile -
Open Access Article
180 - Sociological study of the impact of social capital on the implementation of electronic banking (Study case: Ansar banks in Kerman city)
kamal javanmardThe aim of this study was to investigate the relationship between social capital and the implementation of electronic banking in Ansar Bank of Kerman in 1400 in Kerman. The statistical population of this study was 190 employees of Ansarshahr banks in Kerman, of which 12 MoreThe aim of this study was to investigate the relationship between social capital and the implementation of electronic banking in Ansar Bank of Kerman in 1400 in Kerman. The statistical population of this study was 190 employees of Ansarshahr banks in Kerman, of which 120 people were randomly selected for the sample size according to Morgan table. In order to collect data, two social capital questionnaires of Nahapit and Goshal (1998) and e-banking implementation questionnaire were used. The reliability of the Social Capital Questionnaire was 0.91 and the reliability of the Electronic Banking Implementation Questionnaire was 0.72 and the face and content validity of this questionnaire was confirmed by professors and experts. Used. The significance level of the test is α = 0.05. The results of data analysis show that there is a significant relationship between social capital and the implementation of electronic banking in Ansar Bank of Kerman and the variables entered in the model explain 54% of the variance of the dependent variable (criterion). Among the components of social capital The most important role in predicting the criterion variable was the communication dimension component of social capital and the structural dimension component had the least role. Manuscript profile -
Open Access Article
181 - Investigating the effect of electronic word of mouth practices on the mobile banking adoption intention due to the role of trust and costomer involvement (Case study: Bank Mellat customers in Tehran)
مسعود صمدزاده Setareh AkhavanThe present study is an applied descriptive survey study that investigates the effect of electronic methods of word of mouth marketing on the intention to use banking with regard to the role of trust and customer engagement among Bank Mellat customers in Tehran, for thi MoreThe present study is an applied descriptive survey study that investigates the effect of electronic methods of word of mouth marketing on the intention to use banking with regard to the role of trust and customer engagement among Bank Mellat customers in Tehran, for this purpose 385 people through Available sampling was selected to answer the questionnaire as a data collection tool and the collected data were analyzed after checking the validity and reliability of the questionnaire and its standardization through structural equations and Smart PLS software. The results showed that the quality Argument, capacity, stability and credibility of the source have a positive and significant effect on trust in banking and the intention to use mobile banking, but the volume of marketing has only affected the intention to use mobile banking. Customer engagement also moderates the relationship between word-of-mouth electronics and banking trust. According to the results of the research, it can be said that Bank Mellat and other banks can use electronic methods of word-of-mouth marketing to develop and expand their activities.tomer engagement also moderates the relationship between word-of-mouth electronics and banking trust Manuscript profile
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