Banking

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 Badiei

Objectives: 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 More

Objectives: 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 hajseiedjavadi

In 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 More

In 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 Foroushani

The 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 More

The 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 - Strategic model of network communication development to attract customers in the banking industry with a jihadist approach
Hamid Salari Seyyed Mahmood Hashemi Alireza Rousta

This study aims to provide a strategic model for the development of network communications to attract customers in the banking industry with a jihadist approach. This research is a fundamental research in terms of purpose. The statistical population includes all factors More

This study aims to provide a strategic model for the development of network communications to attract customers in the banking industry with a jihadist approach. This research is a fundamental research in terms of purpose. The statistical population includes all factors among those involved in the banking system, including managers and experts in the field of banking system, which was selected through cluster random sampling method and 384 people according to Morgan table. Data were analyzed using Smartpls2 software by applying appropriate statistical tests according to the research hypotheses. And the findings showed that jihadi management is effective in network communication to attract customers in the banking industry. It is suggested that managers be hired based on expertise, merit, commitment, background and interest. Also, bank managers should use the leadership of employees to increase efficiency and effectiveness in the management of banks. Also, by holding training classes, educational booklets and related investments in this field, it raised the level of their jihadist approach and as a result, increased the attraction of customers at the branch level. Manuscript profile

Open Access Article

5 - 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 Ranjbar

Background: 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 More

Background: 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

6 - designing the Model of Future Organizations High Reliability (Case Study Banking Industry)
loghman rahmanpour gholamreza memarzadeh tehran mehdi alvani naser hamidi

The banking industry has a special role in the dynamics of the economy. Given the challenges and uncertainties in the business environment, the use of imagery to improve management in this sector has been prominent. Therefore, the industry, utilizing the future research More

The banking industry has a special role in the dynamics of the economy. Given the challenges and uncertainties in the business environment, the use of imagery to improve management in this sector has been prominent. Therefore, the industry, utilizing the future research, always needs to change its systems and processes to achieve a higher level of confidence. The present study aims to identify the dimensions and organizational components affecting high reliability banks as the face of future organizations in the industry. Banking has been done The statistical population of this research was banking and academic experts familiar with organizational issues and banking industry management in order to identify these factors influencing the fuzzy Delphi method and ultimately, the identified factors were weighed and prioritized through the network analysis process based on the fuzzy DMF method. The results showed that the factors of "rapid reaction to banking standards" on "compliance", "operational sensitivity", "failure concern", "resilience" and "perceived risk", respectively, were in a reliable bank High are effective. The "perceived risk" factor and the "timely response to customers" factors were identified as the top priority in a high reliability bank. Manuscript profile

Open Access Article

7 - Digital banking service scenarios in horizon 1408
azam babki rad

In 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 More

In 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

8 - Identification of Key capabilities of Organizational foresight in Banking and Financial Institutions of Iran
Mahdi Gholizadeh Zavoshti safar fazli Einolah Keshavarz turk Asghar Ebnerasoul

Futures studies in an organization, known as Organizational Foresight, are one of the areas discussed in futures research and strategic management. Foresight enables organizations to identify future changes that are fundamental to the future and can design appropriate a More

Futures studies in an organization, known as Organizational Foresight, are one of the areas discussed in futures research and strategic management. Foresight enables organizations to identify future changes that are fundamental to the future and can design appropriate and innovative responses to protect themselves against these changes and survival in the long run. The foresight process in the banking industry can be seen as a set of key features that focus on its specific nature and distinguish it from other initiatives in banks. The purpose of this article is to understand the differences between the future prospects of Iranian banks and financial institutions in the implementation of the potential of strategic forecasting projects based on the Paliokaite et al. 2014 model. The study used e-mail scanning, in which emails were sent to top managers and senior executives of bank plans. Data were analyzed statistically using cluster analysis and the Mann-Whitney U test. The statistical significance obtained in this study is to determine and understand the differences in the ability of banks to run strategic futures programs. The findings of the current research significantly increase our understanding of the readiness and feasibility of implementation of corporate futures projects in the banking industry, so that the prospecting capabilities of the first-class banks in comparison to other banks in two dimensions of the selection capabilities The strategy and integration capabilities are greater, but in terms of the environment, scanning capabilities are less than other banks. Manuscript profile

Open Access Article

9 - Future studies of the banking industry with a scenario approach
farhad shamshiri Abdulhamid Ebrahimi Roohalla samieee Majid Ashrafi

Background: The banking industry, as one of the most important sectors of the economy, has encouraged experts and economic experts to recognize the future of its volatility and stabilize it in the face of changes and to provide growth and development. Purpose: The purpo More

Background: The banking industry, as one of the most important sectors of the economy, has encouraged experts and economic experts to recognize the future of its volatility and stabilize it in the face of changes and to provide growth and development. Purpose: The purpose of this study is to formulate scenarios of the banking industry with a future research approach. Method: The methodology of this research is based on future research scenario writing. Data collection tools are questionnaires, interviews, check-ins, and statistical and information networks. In this study, the statistical population of banking managers and specialists and university professors are familiar with the field of banking, which, based on the type of information required to conduct the research, non-probable judgmental sampling was used. Results: After formulating the initial question and identifying the main topic, forming the panel of experts, conducting exploratory interviews and identifying the driving forces, 64 variables were identified as the primary influencing factors of the banking industry by a 64*64 matrix and then provided with the help of Mic Mac Software , 12 key factors were extracted and categorized into 38 different situations. These situations were then presented to the experts for all key factors in a 38*38 matrix and analyzed in the Scenario Wizard software and four scenarios were extracted. Conclusion: Finally, 3 strong scenarios, 1 believable scenario and 8 weak ones were identified and classified into three groups: desirable, static and crisis and presented strategies for developing the banking industry. Manuscript profile

Open Access Article

10 - Providing an Entrepreneurial Banking Model in Bank Sepah with Foundation Data Approach
سمیرا nazifi rohollah samiei samereh shojaee Mahmoud Reza mostaghimi

The 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 More

The 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

11 - Analytic Scenarios of the Future of Iranian Banking: Combining Capabilities of Knowledge Absorptive Capacity and Corporate Foresight
Mahdi Joneidi Jafari Farhad Darvishi Safar Fazli

Objective: 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 More

Objective: 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

12 - A futuristic look at the Permission Based Marketing model in the field of banking using the Delphi approach (Case study: Bank Mellat)
Elham Zarif chenarani mashhad esfandiar doshmanziari farzad asayesh

10.30495/jmfr.2022.60639.2473

The purpose of this study is to design, explain and present a Permission Based Marketing model in the field of banking among the employees of Bank Mellat branches.In this research, the combined method strategy has been used to answer the research questions. In this rese More

The purpose of this study is to design, explain and present a Permission Based Marketing model in the field of banking among the employees of Bank Mellat branches.In this research, the combined method strategy has been used to answer the research questions. In this research, by means of Delphi method, the opinions of experts in this field have been collected and summarized. According to the purpose, the research is one of the applied and developmental researches and in terms of implementation method, it is a descriptive survey. First, the initial conceptual model extracted from the subject and background literature by the meta-integration method has been refined by organizational experts using the Delphi method. Data collection tool was an open questionnaire and purposive sampling method was judgmental. In the quantitative part, the Delphi process was performed in three rounds, and the criterion for stopping the rounds was reaching the Kendall agreement coefficient to an acceptable level.The findings show that Permission Based Marketing indicators in Bank Mellat can be grouped into six categories: advertising effectiveness, information technology, marketing capability, customer satisfaction, continuity of customer relationship and customer attitude, which are more important in terms of attitude Customer, advertising effectiveness, customer relationship continuity, customer satisfaction, information technology and marketing capabilities.The results showed that the bank's commitment to the customer is one of the main reasons for permission based marketing,Keywords: Foresight, Permission Based Marketing, Delphi Technique, Banking scope Manuscript profile

Open Access Article

13 - Prediction of Banking Distress and Contagion of Crisis in the Banking Network (With Application of Linear and Non-Linear Hybrid Approach)
Ahmad Bidi Feraydoon Rahnamay Roodposhti Reza Gholami Jamkarani hamidreza kordlouie Morteza Baky Heskouii

The present research aimed at prediction of banking disorder and contagion of crisis in the banking network is conducted by application of linear and non-linear hybrid approach. The present research method is of descriptive-survey, and practical in terms of objective. T More

The present research aimed at prediction of banking disorder and contagion of crisis in the banking network is conducted by application of linear and non-linear hybrid approach. The present research method is of descriptive-survey, and practical in terms of objective. Therefore, in order to attain this objective, firstly, banking system fragility index (BSFI) is reviewed as an early warning system in order to identify banking crisis, in four banking system sectors (specialized, commercial, private and credit institutions), and banking system fragility index is reviewed in the stated four sectors by applying linear and non-linear approaches by making use of data obtained during March 2016 until December 2020. Results of calculation of banking system fragility index in sub-sectors of the banking system indicate periods of high fragility of the banking system, in particular in January, February and March 2017, which might be due to effects of election. Furthermore, in December 2020, high risk-taking was observed in the banking system, arising from creation of a bubble, which represents a strong warning for future problems of the national banking system. Furthermore, during the review period, banking network is noticeably fragile. Notably, results of Granger linear causality test indicate two-sided causality between credit institutions and private banks, a one-sided causal relationship from private banks to specialized and commercial banks and also a one-sided causal relationship from specialized banks to commercial banks. Manuscript profile

Open Access Article

14 - Agile development banking and providing an instrument for Measuring organizational agility in Iranian state-own banks
Nasser Mirsepaci Shabnam Farshchi

Initially, organizational agility was used for the production and manufacturing organizations,but nowadays, the agility of governmental agencies and services are also been discussed. Thespeed of technological changes and increasing demands of customers, enforces the ban More

Initially, organizational agility was used for the production and manufacturing organizations,but nowadays, the agility of governmental agencies and services are also been discussed. Thespeed of technological changes and increasing demands of customers, enforces the banks toenter the competition field in order to attract more and more customers. After all, agility is thenew paradigm that can answer to all the customers’ demands and the bank itself.In this article has been attempted to discuss the characteristics of organizational agility in thestate-own banks, then with providing a model for measuring organizational agility in Iranianstate-own banks, the readiness of Saderat Bank for organizational agility was surveyed. For thispurpose, the hexagonal model for the agility in the public sectors provided by the Institution“A.T.Kearney” is used. This model contains the dimensions of organizational change,leadership, culture and values, performance management, customer service and e-government.The method of the research is descriptive-survey method and the instrument was a number ofquestionnaires. The process of data collection in this study consists of two stages of Delphimethod and distribution of questionnaires. For data analysis, qualitative and quantitative dataanalysis methods were used. After qualitative analysis of data from Delphi method, withdescriptive and inferential statistics, quantitative data were analyzedIn the end of the study, found that there are gaps between the current situation and the desiresituation of organizational agility in Saderat bank and each of them were rated. Howeveraccording to the results, it seems Bank Saderat Iran is ready to be an agile organization and thebank can move toward organizational agility. Manuscript profile

Open Access Article

15 - Functions of electronic government establishment in Iran (Study case: electronic banking)
Parveneh Zeynali Someh Ali Asghar Pourezat Parvin Dodangeh

The aim of establishing the electronic government is offer an easygoing and fastgovernmental services to citizens and affairs.So it is advisable that governments as a first stepfor pitch the electronic government,establish and support the internet,collective and groupwa More

The aim of establishing the electronic government is offer an easygoing and fastgovernmental services to citizens and affairs.So it is advisable that governments as a first stepfor pitch the electronic government,establish and support the internet,collective and groupwaressystems .On the other hand providing easier and faster interactions with custumers and affairs toelectronical services and payment the received services from them,need to creation anddevelopment of electronic banking as a one of the most important fundamentals of electronicgovernment.This research attempt to verify the applications of establishment of electronicgovernment in electronic banking section from view point of services executors for clarifyingthe electronical services,amount of responsiveness to citizens expectations, paperwork and thepercent of citizen trust for utilization of electronical services.In current article , the surveymethod is used and 92 subjects from Refah Karegaran Bank base managers are selected as astatistical sample for poll.Findings show that first of all with development of electronic bankingthe percent of government responsiveness to citizens,their trust to government has increased andofficial formality has decreased so hence of clarity in presenting the governmental servicessystem wasn't approved. Second,there is a significant relationship between the decrease ofofficial formality and increase of people trust towards government and third that there is apositive and significant relation between clarity in offering the services and people trust level togovernment and also between goveerment responsiveness to citizens and people trust level togovernment Manuscript profile

Open Access Article

16 - Functions of electronic government establishment in Iran (Study case: electronic banking)
Parveneh Zeynali Someh Ali Asghar Pourezat Parvin Dodangeh

The aim of establishing the electronic government is offer an easygoing and fastgovernmental services to citizens and affairs.So it is advisable that governments as a first stepfor pitch the electronic government,establish and support the internet,collective and groupwa More

The aim of establishing the electronic government is offer an easygoing and fastgovernmental services to citizens and affairs.So it is advisable that governments as a first stepfor pitch the electronic government,establish and support the internet,collective and groupwaressystems .On the other hand providing easier and faster interactions with custumers and affairs toelectronical services and payment the received services from them,need to creation anddevelopment of electronic banking as a one of the most important fundamentals of electronicgovernment.This research attempt to verify the applications of establishment of electronicgovernment in electronic banking section from view point of services executors for clarifyingthe electronical services,amount of responsiveness to citizens expectations, paperwork and thepercent of citizen trust for utilization of electronical services.In current article , the surveymethod is used and 92 subjects from Refah Karegaran Bank base managers are selected as astatistical sample for poll.Findings show that first of all with development of electronic bankingthe percent of government responsiveness to citizens,their trust to government has increased andofficial formality has decreased so hence of clarity in presenting the governmental servicessystem wasn't approved. Second,there is a significant relationship between the decrease ofofficial formality and increase of people trust towards government and third that there is apositive and significant relation between clarity in offering the services and people trust level togovernment and also between goveerment responsiveness to citizens and people trust level togovernment Manuscript profile

Open Access Article

17 - Management of information technology to implement customer-oriented strategy
Ali Divandari

Information Technology is one of the critical success factors in any organization in that it isvirtually impossible to implement organizational plan without paying due attention to this domain.In their attempt to implement their strategies, organizations need to conside More

Information Technology is one of the critical success factors in any organization in that it isvirtually impossible to implement organizational plan without paying due attention to this domain.In their attempt to implement their strategies, organizations need to consider all the influentialfactors including the IT issues and make necessary adaptations between the organizational strategyand its IT. As private banks, credit fund and Gharz-ol-hasane fund are introduced as the new playersin banking industry, the industry is experiencing an ever-increasing competitive condition and insuch a market, customer is the key determinant of success. This paper reviews the four maincommercial banks of Iran, tries to determine the degree of adaptability of IT variables insideorganizations with customer-oriented strategy of banks and seeks to recognize their extend ofreadiness in adopting this strategy as far as IT-relevant issues are concerned. Manuscript profile

Open Access Article

18 - Presentation of the model of the influential factors of entrepreneurial banking based on the policy framework
samira nazifi roohalla samiee Samereh Shojaee Mahmoud reza Mosraghimi

Background: 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 More

Background: 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

19 - 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 AnviehTekieh

The 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 More

The 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

20 - Presentation of a policy model for the protection of depositors' rights in banking crises in Iran
mohammad javad pourasadi kaveh timor nezhad mohammad reza rabiey mand[in

Background: Paying attention to depositors' rights and policy-making is currently ambiguous and due to the economic complexity of identifying a model in order to safeguard the rights of customers and depositors. Purpose: The present study aims to develop a policy model More

Background: Paying attention to depositors' rights and policy-making is currently ambiguous and due to the economic complexity of identifying a model in order to safeguard the rights of customers and depositors. Purpose: The present study aims to develop a policy model to safeguard the rights of depositors in banking crises in Iran. Methods: Factor analysis, path analysis and interpretive structural modeling were used to achieve this goal. Findings: The findings of the study, after analyzing the content of 23 concepts, 5 categories and 97 indicators in the field of policy making and then inputting them into quantitative analysis using factor analysis which is necessary; Depositors as the primary strategy to modify or improve the laws related to depositors should be considered by policymakers and policy makers as the driving force behind the implementation conditions. Finally, the concepts and categories identified should be taken into account in order to safeguard the rights of depositors. Manuscript profile

Open Access Article

21 - Investigating the effectiveness of banking services management based on meme theory
Mehdi Ehsanifard Farshad Faezy Razi Aliakbar Aminbeydokhti

Abstract Objective: The main purpose of this study is to provide a suitable model for improving banking services based on a comparative study of behavioral sciences and consumer behavior with respect to the function of mem theory. Background: Mem is a hereditary theory More

Abstract Objective: The main purpose of this study is to provide a suitable model for improving banking services based on a comparative study of behavioral sciences and consumer behavior with respect to the function of mem theory. Background: Mem is a hereditary theory and an idea, behavior, or method that is transmitted from one person to another through culture. Inheritance theories differ in the degree of adaptation and capability, that is, adaptation to the socio-cultural environment in which they are spread. More adaptable and more capable memes will be more successful in transmitting, spreading to more people, and thus spreading to a larger population. The concepts in this theory can be used as a model for cultural evolution. Therefore, this research was formed with the aim of providing a suitable model for improving banking services based on the theory of memes. Abstract Objective: The main purpose of this study is to provide a suitable model for improving banking services based on a comparative study of behavioral sciences and consumer behavior with respect to the function of mem theory. it provides. The findings of this study can have many effects on the development and expansion of banking services. Manuscript profile

Open Access Article

22 - Prioritize the components of deferred receivables in the policy-making of Sepah Bank financial system
afshin godarzy mahmod rezaizade mashalla valikhani alireza shirvanijozdani

10.30495/ijpa.2022.66546.10851

Background and Aim: Undoubtedly, one of the consequences of the monetary activity of banks and credit institutions is the emergence of delinquent receivables, which has a significant impact on the economic system. In addition to reducing the profitability of banks, this More

Background and Aim: Undoubtedly, one of the consequences of the monetary activity of banks and credit institutions is the emergence of delinquent receivables, which has a significant impact on the economic system. In addition to reducing the profitability of banks, this slows down the circulation of liquidity in the economy, the lack of timely allocation of credit to productive demand in industry, mining, trade and agriculture, and ultimately the economic downturn. The purpose of this study is to introduce Sepah Bank model for collecting Sepah Bank overdue receivables. We are also looking for the dimensions of the components and indicators of the Sepah Bank arrears collection model and what are the relationships between these dimensions and components. Method: The statistical population of this study includes 323 employees of Sepah Bank. Using simple random sampling method and Morgan table, 181 people were selected as the sample size. The method of data collection is content analysis and Delphi technique. The research environment has been the first-hand sources of reputable databases in the period of 2009 to 1399 in the field of collection of overdue bank receivables. The number of samples in the qualitative section, including 20 experts for surveying, analysis and coding of the researcher, reached theoretical saturation. The sampling method was purposive. Confirmatory factor analysis techniques have been used for inferential data analysis. Finding: Environmental factors with a factor load of 0.707 and a T-statistic of 4.992 have a direct and significant effect on the pattern of arrears collection. Therefore, environmental factors have a positive and significant effect on the pattern of collection of arrears. Organizational factors with a factor load of 0.630 and a T-statistic of 3.120 have a direct and significant effect on the pattern of arrears collection. Results: Organizational factors have a positive and significant effect on the pattern of receipt of arrears. Legal factors with a factor load of 0.581 affect the pattern of receivables. Legal factors have a positive and significant effect on the pattern of collection of arrears.  Manuscript profile

Open Access Article

23 - Barriers of Core Banking System Implementation
Asghar Sarrafizadeh Hamid Reza Shahsavari

Core 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 More

Core 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

24 - 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 Merhrabi

The 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 More

The 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

25 - 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 Naami

Due 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 More

Due 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

26 - Designing a dynamic corporate banking model and using it in social marketing based on new banking technologies
Mojtaba Bayat Ahmad Sardari Naser Azad Abdolah Naami

Nowadays, 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 More

Nowadays, 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

27 - Identifying the Factors Affecting Organizational Resilience in the Banking Network under Sanctions
farzad shahkarami Reza Rostamzadeh Jafarsadeg Feizi Mohammad Pasban Nima Azarmir Shotorbani

In recent years, the concept of organizational accountability has shifted its focus from private sector organizations to government agencies, redefining the scope of the threats they face. The role of banks in equipping and allocating financial resources is very importa More

In recent years, the concept of organizational accountability has shifted its focus from private sector organizations to government agencies, redefining the scope of the threats they face. The role of banks in equipping and allocating financial resources is very important. This is more evident in the case of the bank-oriented economy of Iran.In this regard, the developed banking system, in addition to its tasks, must also have high strength and be able to withstand various internal and external shocks. This study was conducted in a quantitative part of all employees of the branches of the Export Development Bank of Iran in 2021, from which 250 people were selected as a sample based on the Cochran's formula.Then, the factors affecting organizational resilience were examined and ranked according to Friedman test. The results of the research showed that among other factors, the financial policy factor has the greatest impact on banks' resilience. Manuscript profile

Open Access Article

28 - Investigating the effect of intellectual capital efficiency on productivity: Evidence from banks listed on Tehran Stock Exchange
Seyed fakhreddin Fakhrhosseini

In the current global economy, intellectual capital is progressively being acknowledged as a vital constituent of organizational value. The impetus for this awareness is a sequence of challenges in knowledge-based corporate settings that motivate firms to invest in inte More

In the current global economy, intellectual capital is progressively being acknowledged as a vital constituent of organizational value. The impetus for this awareness is a sequence of challenges in knowledge-based corporate settings that motivate firms to invest in intellectual capital, given that it has become a key driverof productivity.The present article aims to determine the relationship between intellectual capital and productivity in business of banks. In this study has been studied, a sample of 12 banks . The dependent variable is productivity and to measure this variable has been used by data envelopment analysis method. The period under study is from 2016 to 2016, which has been analyzed using the multiple regression test, the relationship between the components of intellectual capital and productivity. The results show that the intellectual capital and productivity have a significant relationship. The results of the regression analysis validate the relevance of intellectual capital in improving productivity in the banking industry. Manuscript profile

Open Access Article

29 - The position of the media in analyzing the relationship between banks and depositors in the power of attorney contract
ALI BASIRI Akbar Fallah Mohammad ali kheirollahi

With the passage of the Law on Interest-Free Banking Operations in September 1983, the legislature has tried to bring bank operations into line with Islamic standards. But by examining the relationship that exists between depositors and banks on the one hand, and betwee More

With the passage of the Law on Interest-Free Banking Operations in September 1983, the legislature has tried to bring bank operations into line with Islamic standards. But by examining the relationship that exists between depositors and banks on the one hand, and between banks and investors on the other, it is clear that the legislature is more It seeks to justify the banks' practice of pursuing monetary policy in accordance with Islamic law. In any case, Islamic jurisprudence cannot ignore the nature and issues related to bank depositors according to the operations carried out by this huge financial institution, so the law on interest-free banking operations was approved in September 1983 and from the beginning of 1984. It was implemented. According to the findings of this study, either the will and agreement of the parties (depositor and bank) should be respected and this type of contract should be considered effective, or due to the pervasiveness of the religion of Islam by examining and considering jurisprudential sources to meet the needs Let's get a new human. Also, with the conditions of time and place, there has been a great evolution in inferential rulings. In this regard, the role that the media plays in the dynamism and enrichment of such issues is not hidden from anyone. Manuscript profile

Open Access Article

30 - Social Media and Managing to Provide Bank Services to the Digital Generation Through the Use and Gratification Theory Approach.
Ali Akbar Farhangi Majid Heidari

In many developed countries the retail banking has been engaged with the use of social networks such as face book, you tube, etc so that the banks will be able to communicate with the bulk of their customers who are mainly from the digital generation in a tangible space More

In many developed countries the retail banking has been engaged with the use of social networks such as face book, you tube, etc so that the banks will be able to communicate with the bulk of their customers who are mainly from the digital generation in a tangible space to this generation which is the virtual world. The importance of virtual environments such as second life has been so remarkable that we confront the creation and introduction the new currencies like linden dollar, bit coin, etc which have challenged the common currencies in the world. In this article three impacts regarding the opportunity of entering to the world of social media are being discussed that might be fruitful for the banks willing to change and involving the virtual areas desired by the digital generation. The use and gratification theory is being considered in this article and the author tries to adapt the theory to the opportunity of utilizing the social media in banking services. The goal of the research is reaching the customers of digital generation. Does the use of social media cause the reaching to digital generation customers? Does this use reduce the cost of finding new customers? Does it regain the confidence of digital generation customers? The research method is explorative dealing with library studies on social media and providing bank services considering the use and gratification theory. The findings show that using social media in providing bank services to the digital generation customers will lead to reaching these customers, reducing costs, and regaining the confidence.   Manuscript profile

Open Access Article

31 - Social Media Role in Marketing and its Impact on Organization's Structure
Seyyed Abdollah Sajjady Jaghargh Alireza Gharaati Majid Heidari

Social 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 More

Social 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

32 - Credit Risk Test Stress Model of the Banking Industry under Macroeconomic Scenarios
mohsen Ziaee Bidhendy Mehrzad Minooee Mirfaz Fallah shams

The main reason for conducting the present study is to design and explain the credit crunch risk test model of the banking industry under macroeconomic scenarios. In addition to the use of documents and reports related to the banking industry, the panel data related to More

The main reason for conducting the present study is to design and explain the credit crunch risk test model of the banking industry under macroeconomic scenarios. In addition to the use of documents and reports related to the banking industry, the panel data related to the annual reports and datasets of the banking industry were used. In the present study, in order to perform econometric analyzes, E-Views software was used and Matlab artificial intelligence environment was used to design an intelligent system. Then, based on the GARCH method, the regression statistics related to the GARCH model for the fluctuations between the research objective function and GDP growth rate, interest rate, unemployment rate, inflation rate and per capita income growth rate are calculated equal to 0.927, which indicates very high predictive power. The econometric model of research is. One of the most important results of the present study is that according to the calculations performed, the bank's credit portfolio to reduce the probability of default is exactly 91 percent (the fifth level of system output is excellent). Manuscript profile

Open Access Article

33 - A two-stage DEA approach to measure the performance of multi-activity bank branches
Ali Hadi Alireza Amirteimoori Sohrab Kordrostami Saeid Mehrabian

10.30495/jnrm.2022.58300.2030

Data 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 More

Data 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

34 - 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 Arya

The 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 More

The 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

35 - 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 minouei

In 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 More

In 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

36 - Open banking in the age of digital transformation: theoretical approach and behavioral analysis
shadi oyarhossein ABBAS TOLOIE reza radfar alireza pourebrahimi

10.30495/jfksa.2023.23062

In 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 More

In 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

37 - The Analysis of banking regulation on competition in Iranian Banking Industry R
رضا طالبلو حمید بهمن پور

This 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 More

This 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

38 - Presentation of electronic banking forensic policy model
afshin khodamoradi علیرضا پورابراهیمی mohamad ali afsharkazemi

10.30495/jfksa.2023.23065

Given the complexity of tools as well as the variety of banking activities and intra-system communications, maintaining the banking system’s health and stability refers to one of the key reasons for monitoring banks and credit institutions in today’s banking More

Given the complexity of tools as well as the variety of banking activities and intra-system communications, maintaining the banking system’s health and stability refers to one of the key reasons for monitoring banks and credit institutions in today’s banking industry; on the other hand, cybercriminals may cause serious harm. This is a descriptive-quantitative research employing two of deep thinking and survey study methods and different tools (interview, observation, questionnaire, and document review) for data collection. Its statistical population includes the investigation of cyber incident logs over the recent year, and no special sampling has been carried out. After presenting the model, the usual simulators, particularly MATLAB, are utilized based on the project needs and the results are reviewed according to the execution speed. The system designed to detect various criminology types caused by cyber incidents on the Internet is expected to have high flexibility and to be applied to other types of websites. Manuscript profile

Open Access Article

39 - The Effect Corruption on the Financial Health of Islamic Banks
Vahid Bekhradi Nasab Fatemeh Zholanezhad

Islamic 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 More

Islamic 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

40 - Identifying Banking Crisis Using Banking Stress Index in Iranian Economy (Dynamic Factor Model)
samineh ghasemifar Abolfazl Shahabadi shamsollah shirinbakhsh mirhosien mousavi azam ahmadian

By the fact that most of the public and private sector financing comes from the country's banking sector, It is important to maintain stability and prevent a crisis in the banking system. The purpose of this study is to identify the banking crisis using the Banking Stre More

By the fact that most of the public and private sector financing comes from the country's banking sector, It is important to maintain stability and prevent a crisis in the banking system. The purpose of this study is to identify the banking crisis using the Banking Stress Index in the Iranian economy for the period of 1398-1388. The Banking Stress Index is the best benchmark for assessing the banking crisis that reflects uncertainty, instability and financial friction in the banking system. In this study, the design of a bank stress index was performed using a dynamic factor model. This model is estimated by the maximum likelihood method and the stochastic pattern of missing data. Using six variables determining the banking crisis in the country, two banking stress indices with two different natures have been estimated in time series to examine the stability of the banking system. Finally, both indices of stress showed estimation; there is a precise timing of the coincidence between the greatest amounts of bank stress and the shocks to the Iranian economy. It was also concluded that bank stress indicators reflect the effects of external factors, including sanctions on the banking system fundamental weaknesses of the banking system, as well as being able to predict banking crises Manuscript profile

Open Access Article

41 - A Green Financing Model for Companies through Banking Industry: Grounded Theory Approach
Abbas Ali Sheikh Parviz Saeedi ebrahim abbasi arash naderian

10.30495/jfksa.2022.20591

Green financing is one of the new financial paradigms for combining environmental support and financial-economic benefits. Accordingly, the present study seeks to develop a green financing model for companies through the Iranian banking industry based on the data theory More

Green financing is one of the new financial paradigms for combining environmental support and financial-economic benefits. Accordingly, the present study seeks to develop a green financing model for companies through the Iranian banking industry based on the data theory of the foundation. The statistical population includes 16 experts in banking and environment and faculty members of universities who were selected as participants in the study. The data collection method was field and the data collection tool was interview and a semi-structured interview based on exploratory study was used. Data analysis in this method was performed using open coding system (category identification), axial coding (category cultivation) and selective or selective coding (final category selection). The results showed that strategies for removing barriers and formulating transparent and stable laws, equipping banks' financial (environmental) resources, accurate and practical targeting of banks, agile executive organization and implementation of an integrated control and supervision system lead to a mental image based on importance. The process of green financing of companies is done through banks and also the differentiation of this process with other aspects of financing, which can be the basis of analysis. Manuscript profile

Open Access Article

42 - The Nature of Banks' Civil Liability in Skimming According to Jurisprudence
mohammadreza namjouyan seyedmohammadreza emam

10.30495/jfksa.2023.21900

In 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 More

In 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

43 - Evaluation the Performance of e-Banking Using Combined Fuzzy Analytic Network Process and BSC Approach (Case Study in Pasargad Bank in Tehran)
Nazanin Pilevari

The evaluation of performance in facilitating organizational effectiveness is an important and vital duty. Balanced score cards is a performance evaluation framework with a set of financial and non-financial scales has comprehensive view to organization performance. One More

The evaluation of performance in facilitating organizational effectiveness is an important and vital duty. Balanced score cards is a performance evaluation framework with a set of financial and non-financial scales has comprehensive view to organization performance. One of the most important positions of using balanced score cards is banks as the importance part of economy of Iran. The present study at first collects performance evaluation indices of e-banking of Pasargad bank based on review of literature. Then, based on survey of experts of Pasargad bank of Tehran city in the form of questionnaire, 37 indices are selected as final index. By the opinion of experts of Pasargad bank, the indices are classified and final indices are placed in balanced score cards aspects. To determine the weight of aspects and indices, fuzzy analytic network process is applied. Finally, the indices are prioritized and the aspects and indices are prioritized based on importance. Manuscript profile

Open Access Article

44 - Liquidity Risk Management of Firms in Accordance with Sharia Through Private Deposit Funds
Ali Rahneshin

Working 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 More

Working 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

45 - KPMS in banking system according to human resource approach
behroz rezaee manesh habib rodsaz mehdi hagheghi kafash mohhamad taghi taghavi fard abbas kamaree

Banking system in Iran has evolved through four phases, each of which having specific characteristics and differences that, depending on political situation of the country, make them distinct. Obviously, a century after establishment of the first Iranian bank, banking p More

Banking system in Iran has evolved through four phases, each of which having specific characteristics and differences that, depending on political situation of the country, make them distinct. Obviously, a century after establishment of the first Iranian bank, banking practice in the country faces many weaknesses. So, it seems that KPMS in banking system according to human resource approach will help improve weaknesses and would be useful.In this study, using a quantitative questionnaire, required resources to improve banking efforts in Iran has been explored. Results show that human, financial and organizational resources are the most important resources needed to help enhance banking weaknesses. Manuscript profile

Open Access Article

46 - Explaining the non-linear relationship between the central bank intervention index and the profitability of commercial banks by considering the credit risk in the country's banking network
azam sadat atyabi Alireza daghighiasli Marjan Damankeshideh منیژه هادی نژاد gholamreza geraeinejad

10.30495/jfksa.2023.23083

The purpose of this article is to investigate the non-linear effect of the central bank's intervention index, taking into account credit risk, on the profitability of commercial banks in the country's banking network. For this purpose, the panel model with a threshold a More

The purpose of this article is to investigate the non-linear effect of the central bank's intervention index, taking into account credit risk, on the profitability of commercial banks in the country's banking network. For this purpose, the panel model with a threshold approach (PSTR) has been used based on the annual data of banks admitted to the Tehran Stock Exchange during the years 2010 to 2019. Based on the estimation results of the model in the linear part for banks admitted to the stock exchange in the first, second and third models; The growth of banking facilities, the size of the bank and the intervention of the central bank have a significant effect on profitability. Due to the confirmation of the nonlinearity of the model by the test (LM), the analysis of this part of the model has more validity. The estimation results of the non-linear part of the model (second regime) also show the existence of a significant effect of the variables; The growth of banking facilities, bank size, credit risk and central bank intervention in all three models have an effect on banks' profitability. So that for one percent increase in the growth of banking facilities, respectively; The rate of return on assets in the first model is -0.02, the rate of return on equity in the second model is -0.03, and the net interest income in the third model decreases and increases by 0.07. The increase in the intervention of the central bank has also led to a decrease in the profitability of commercial banks. Therefore, it is suggested that commercial banks act through measures such as reviewing and correcting the inhibiting factors and the speed of action in collecting existing receivables in order to reduce non-current receivables, merging the unprofitable bank with the profitable and successful bank, etc. Manuscript profile

Open Access Article

47 - The role of banking crisis in the effect of income diversity on profitability of banking industry in Iran
Nesa Kamalian Farshid pourshahabi azim nazari

In 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 More

In 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

48 - 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 safavi

10.30495/jfksa.2023.22618

In 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 More

In 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

49 - Design and develop a model of credit risk in the banking system (Multilevel Modelling)
Teimor Mohammadi Hadi Johari

The observed crises in the banking systems of the countries are mainly due to inefficiencies in credit risk management. Due to the large volume of bank facilities, the risk of repaying them is a big challenge for banks. Therefore, in this paper, we have designed and dev More

The observed crises in the banking systems of the countries are mainly due to inefficiencies in credit risk management. Due to the large volume of bank facilities, the risk of repaying them is a big challenge for banks. Therefore, in this paper, we have designed and developed a credit risk model in the banking system of the country by multilevel models. As a result, we use a logistic regression method to analyze the credit risk of legal clients of the country's banking system in a multi-level manner. The total number of observations used in the estimation of this model includes 5925 records of legal persons who have received Persian, Entrepreneur, Sine and Diet facilities. Determination of variables in the estimation of this model has been selected based on the step-by-step method. The results show that changing business at the first level will not change the credit risk of legal customers. Also, given that the coefficient of the third level is much higher than the first and second levels, displacement and change in the business within the second level, compared to the first and third levels, will have a much higher effect on the credit risk of legal customers. Therefore, the banking system should be more sensitive to the activities of the second level. Manuscript profile

Open Access Article

50 - Ranking Iranian Banks in terms of corporate governance whit emphasizing the status of the board of directors and its committees
Marziyeh Noorahmadi Ali Mahdavi Parsa

The 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 More

The 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

51 - Analyzing financial stability with emphasis on banking sector in Iran: An early warning system approach
ژاله زارعی اکبر کمیجانی

In the literature, the financial stability is defined as a condition that systematic crises do not threaten the stability of the macroeconomy. Financial instability and its great shock on real output in many countries faced with economic crisis have demonstrated the nee More

In the literature, the financial stability is defined as a condition that systematic crises do not threaten the stability of the macroeconomy. Financial instability and its great shock on real output in many countries faced with economic crisis have demonstrated the need and importance of developing models for prediction and prevention of crises for economic planners  and make them able to investigate the causes of crisis and prevent its  recurrence as well. In this study, an early warning system of bank crisis  for Iran has been estimated by using probabilistic method(probit approach), for the 2002- 2011 The probable function designed in this paper shows that three variables, weight average of the real interest rate of banking deposit, weight average of the real interest rate of banking credit and the growth rate of property price, are the three predicators of probability of the banking crisis. The specified model in this study has signaled the banking crises and in 92 percent of the cases in which crises have happened the model has been able predicate it with probability of more than 40 percent and  Only, 7.14 percent has been missed and 9.52 percent has signaled wrongly. Hence, it confirms the relative predictive power of our model in crises period. Manuscript profile

Open Access Article

52 - Social Capital and Social Banking: Drawing Relationships and Explaining the Effects on Sustainable Rural/Nomadic Development
Karim Mirzakhani Mehrdad Navabakhsh Abdolreza Adhami

The 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 More

The 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

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53 - Electronic Banking Industry and Accountability (Case of Study: Employees of Refah Bank)
Mohammad Zaman Mohammadi Raeesi Soroush Fathi

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Open Access Article

54 - Changes in the E-Banking Industry: A Step towards Sustainable Development
Mohammad Zaman Mohammadi Raisi Soroush Fathi Habibollah Karimian

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Open Access Article

55 - 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

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Open Access Article

56 - Determinants of interest free banking service in Ethiopia: The case of Commercial Bank of Ethiopia, Bale Robe, Ethiopia
Yohannes Seifu

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Open Access Article

57 - An Empirical Investigation of the Determinants of Users Acceptance of E-banking in Singapore: Based on Technology Acceptance Model
Shailender Singh

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Open Access Article

58 - A Study on Factors Affecting Operational Electronic Banking Risks in Iran Banking Industry (Case Study: Kermanshah Melli Bank)
Peyman Akbari

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Open Access Article

59 - Statistical Investigation and Comparative Assessment of the Non-Performing Assets of Indian Commercial Banks
A. Garg

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Open Access Article

60 - The role of Corporate Responsibility on Customer Loyalty in banking sector
Mohammad Javad Taghipourian Mahsa Mashayekhbakhsh Azadeh Mohammadpour sepideh Ataei

Research purpose: With respect to value-oriented marketing goals in today’s saturating market, the concepts of corporate social responsibility and customer loyalty in goods’ essence and services are, among others, two effective techniques of modern era. The More

Research purpose: With respect to value-oriented marketing goals in today’s saturating market, the concepts of corporate social responsibility and customer loyalty in goods’ essence and services are, among others, two effective techniques of modern era. The purpose of this study is to explore the effects of corporate responsibility on customer loyalty in banking industry. Research methodology: The study population is customers of Agricultural Bank in Mazandaran province. The data collection instruments are based on Rajasekhara’s (2010) and Sudhahar and colleagues’ study (2006). Based on a cluster sampling, 412 Analytical questionnaires were gathered. Research results: The results of the structural equations modeling indicated that (CSR) had positive and significant effect on customer service loyalty. Further, there were positive relationships between CSR dimensions (customers, society, and government) and all loyalty dimensions; i.e. behavioral, attitudinal, cognitive, conative, and affective dimensions. In this regard, CSR toward customers had the highest effect on conative loyalty and affective loyalty; CSR toward society had the highest effect on attitudinal loyalty; and finally, CSR toward government was the most effective on behavioral and cognitive dimensions of loyalty. Managerial usages of the research: Due to the competition between banks, the results of this research can be of great help to managers of private and public banks in attracting and retaining customers. Research innovation: Unlike conventional research that uses a one-dimensional or two-dimensional model of loyalty, this research is worthwhile considering all four dimensions of loyalty in the banking sector. Manuscript profile

Open Access Article

61 - 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 مقدم

With 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 More

With 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

62 - Investigation of factors influencing innovation and knowledge-based trust in accepting mobile banking
farideh haghshenaskashani Afshin Rahnama ali dorosti

Mobile 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 More

Mobile 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

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63 - Evaluation of factors affecting Internet banking adoption among governmental and private banks Customers in Tehran.
محمد علی عبدالوند فریده حق شناس کاشانی زهرا فلاح اصل

Abstract 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 More

Abstract 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

64 - Identification Effect Factors on Corporate Banking Effectiveness with the Role of Customer Relationship Management as mediation Role “Mixed Method”
Mohammad ail abdolvand mehdi baniasadi

Purpose: 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 More

Purpose: 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

65 - The Effect Marketing Activities on Corporate Brand Relationship Quality in Banking Sector (Case of Study: Private Bank of Yazd(
Seyed Mehdi Mirahmadhi Baba Heydari Seyed Mohammad Tabatabaii Nasab

The population of this study is the clients of private banks in all three areas of Yazd. 512 questionnaires were collected from the population, and finally, using structural equation modeling (SEM), and SPSS and PLS software, the hypotheses were examined. This study tri More

The population of this study is the clients of private banks in all three areas of Yazd. 512 questionnaires were collected from the population, and finally, using structural equation modeling (SEM), and SPSS and PLS software, the hypotheses were examined. This study tries to investigate the theoretical foundations of the motivators of relationship brand quality, in order to present dimensions and components, zoning and conceptual research model, and in the next stage, the impact of dimensions of marketing activities such as customer-orientation on brand relationship quality, relationship-orientation on brand relationship quality, providing information on the brand relationship quality, relationship quality on the quality of brand relationship, the characteristics of service providers on the quality of brand relationship, flexibility on brand relationship quality, reputation on the quality of brand relationship,  empathy on the quality of brand relationship  were studied by using the customers' comments of private Bank of Yazd city. Based on the results, variables such as the providing information, relationship quality, flexibility, empathy and reputation on the quality of brand relationship have positive and significant relationship, and variables such as customer orientation, relationship orientation, and quality of service on the quality of brand relationship has not 98significant relationship. Manuscript profile

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66 - 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 sajadifar

10.30495/jomm.2023.71262.2005

In 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 More

In 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

67 - Ranking Factors Influencing the Performance of CRM in Banking Industry Using GAHP Approach
Khodakaram Salimifard Masoumeh Mohammadi

The aim of this research is to rank the factors affecting the performance of customer relationship management in the banking industry. To identify the most important factors affecting the performance of customer relationship management the published articles were review More

The aim of this research is to rank the factors affecting the performance of customer relationship management in the banking industry. To identify the most important factors affecting the performance of customer relationship management the published articles were reviewed, and a hierarchical model was developed. A group hierarchy analytical process (GAHP) method has been used to determine the priority of the criteria. The statistical population of this study consists of banking experts in Bushehr province and professors of the Persian Gulf University in management, and seven of them have been selected as samples. Using their viewpoint, the weight of the criteria was calculated. Prioritizing the identified criteria was done using group hierarchy analysis. The findings show that among the main factors, the sub Structural criterion with a weight of 61% is the most important factor in improving the performance of customer relationship management. On the other hand, among the sub-criteria, "people" and "customer focus" are the most important. This research can help managers of banks to have a better relationship with their customers and achieve more achievements in customer relationship management. Also, this research could be the basis for other research in the field of customer relationship management. The findings of this study can also be seen as the basis for further research on customer relationship management. Manuscript profile

Open Access Article

68 - Identifying the Factors Affecting Marketing Success at One of the Branches of Tejarat Bank Using Data Mining Techniques
mehdi ghazanfari aghdas badiee fatemeh moslehi

Given the competitive market in the banking industry, the importance of customer relationship management in the industry is increasing day by day, one of the most important elements of which is active and effective marketing. Therefore, in this research it has been trie More

Given the competitive market in the banking industry, the importance of customer relationship management in the industry is increasing day by day, one of the most important elements of which is active and effective marketing. Therefore, in this research it has been tried to identify and investigate the factors affecting the success of marketing activities, taking into account the application of data mining tools. Those factors that make bank customers more willing to take advantage of long-term deposits in the bank. In fact, the results of this study will help to increase the rate of return on direct marketing in the banking industry, which has been less considered in previous studies. To this end, the data set related to the telemarketing campaign conducted at one of the branches of Tejarat Bank in the period from May 2016 to September 2018. This paper is based on the type of applied research in sight of the objective of the research and from the perspective of the methodology of the research, is a mixed type, i.e., both qualitative and quantitative. The decision variable of this problem is the result of the success or failure of the telephone marketing activity. First, for identifying customers using the K-Means clustering algorithm, data are divided into six clusters. In the next step, C5 and CART decision tree algorithms were used to identify the factors affecting the success of the marketing campaign. As a general conclusion of the implementation of the three mentioned algorithms, it can be said that, in comparison with other variables, the time variable of the conversation with the client has the greatest effect on the decision of the person about the opening of the deposit. It should be noted that since the time period and place of data gathering in this research have been limited, the results of this study are not likely to be generalized to the other banks. Manuscript profile

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69 - Studying the effect of perceived e-service quality and perceived security on brand equity
Mohsen Khunsiavash elika amirasl Majid Mohamadipour

The 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 More

The 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

70 - Investigating the Influential Factors on Customer Experience Management on Bank Indicators (Case Study of Maskan Bank of Kermanshah City)
Ebrahim Heshmati Hamidreza Saeednia ali Badie Zadeh

Nowadays, the term "customer experience" has become one of the commonly used words in business literature, and many companies aim at improving it, gaining competitive advantage over their other competitors. The purpose of this research is to investigate the factors affe More

Nowadays, the term "customer experience" has become one of the commonly used words in business literature, and many companies aim at improving it, gaining competitive advantage over their other competitors. The purpose of this research is to investigate the factors affecting the management of customer experience in banking services. The research method used in this research is quantitative. The technique used to collect data was fieldwork and tools used for data collection by a researcher-made questionnaire whose validity confirmed by professors and its reliability was obtained using Cranach's alpha of 90%. A sample of customers from Kermanshah Maskan Bank selected and 384 people selected using Cochran's formula for unknown societies. Data analysis done using Spss and Amos software. The results of data analysis indicate that the association of ads with 95% effect on expected factors, brand promises having a 90% effect on expected factors, oral recommendations having an effect of 65% on expected factors, human factors having a 84% effect on perceptual factors, factors The structure has a 68% impact on perceptual factors, physical factors have an impact of 97% on perceptual factors, support has a 42% effect on care factors, problem solving has a 37% effect on care factors, customer care has a 39% impact on care factors, factors Expectancy has a 43% impact on customer experience management, perceptual factors having a 51% impact on management Customer experience and ultimately care factors have a 38% impact on customer experience management. Manuscript profile

Open Access Article

71 - Using Theory of Trying to Investigating the Adoption of Mobile Banking
Mojgan Bahrami Naser Khani Mohamadreza Moradi Mogoyi

Purpose: 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 More

Purpose: 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

72 - Designing a conceptual model of resistance economy in banks, financial and credit institutions of the country
Mahmoud Ziaei hashim nikoumaram KARIM HAMDI HAMDI

attention to the country's economic issues. Naming consecutive years with economic issues and focusing on resistance economics shows the high importance of this issue. Among these, the bank and the banking system, which has a main and fundamental role in the veins of th More

attention to the country's economic issues. Naming consecutive years with economic issues and focusing on resistance economics shows the high importance of this issue. Among these, the bank and the banking system, which has a main and fundamental role in the veins of the society's economy. The purpose of this study is to design a model of resistance economy in the banking system. This study is an objective study in terms of purpose and a descriptive-survey study in terms of data collection. The research community includes all present banking experts who are familiar with the concepts of resistance economics and have properly understood its role in the banking system. Qualitative method (theme analysis) has been used to analyze the data in the model design section and confirmatory factor analysis (TFLPS) has been used to validate the conceptual model. The model designed in this study includes four dimensions, which are: jahadi model in the banking system, integration and cohesion of the banking system, reform and improvement of the banking system and strengthening the bank name. Manuscript profile

Open Access Article

73 - Designing a Qualitative Model of Entrepreneurial Marketing in Corporate Banking
Mehdi Kasegarha Mohammad Javad Taghipourian javad Gilanipour Mehran Mokhtari

10.30495/jomm.2023.64737.1977

The 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 More

The 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

74 - Developing a Satisfaction Model for Service Recreation with an Emphasis on Grounded Theory-based Brand Loyalty in Banking Industry
seyed mohamad hosein lotfi ashtiani seyed mehdi jalali bita tabrizian

10.30495/jomm.2023.72801.2032

Due to the high rate of service failure in banks and its negative impact on customer behavior, this research has been conducted with the aim of developing a satisfaction model for service recreation in banking industry, with an emphasis on grounded theory-based brand lo More

Due to the high rate of service failure in banks and its negative impact on customer behavior, this research has been conducted with the aim of developing a satisfaction model for service recreation in banking industry, with an emphasis on grounded theory-based brand loyalty. The purpose of this research is in the field of developmental research, which is carried out with a qualitative method. The statistical population of the research is the experts and managers of Iran's banking industry (branch managers of the Bank of Agriculture) and 15 of them were selected in a non-random way. The main tool of data collection is semi-structured in-depth interview. The reliability and validity of the interviews were confirmed by two methods of retesting and intra-subject agreement of two coders. Qualitative data analysis was done using the grounded theory method and using MAXQDA software. Based on the paradigm model obtained in this research, the components related to satisfaction with service recreation in six categories of causal factors (customer-oriented, brand image, communication, evaluation of correct performance and growth and development of services), background conditions (brand culture), phenomenon The main factors (satisfaction with recovery), strategies (organization strategy, marketing, and advertising), intervening conditions (customer anger and environmental factors) and outcomes (brand loyalty, brand trust, customer satisfaction and profit increase) were identified.Based on the results obtained in this research, it can be concluded that the level of satisfaction and loyalty of bank customers can be improved by using service recreation solutions. Manuscript profile

Open Access Article

75 - 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. Abdolazimi

Almost 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 More

Almost 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

76 - The Examination of the Relationship between Customer Satisfaction of Service Quality in Iranian Private Banking Industry (Analysis Based on Integrated SERVQUAL Model)
H. Vazifehdoost Z. Akbarpour K. Hamdi J. Mohammadzadeh Rostami

The objective of the current research is investigating the effects of service quality dimensions and self-service technologies on customer satisfaction of the private banking industry of Iran (Ghavamin Bank).Applied method has been used for this research in which the qu More

The objective of the current research is investigating the effects of service quality dimensions and self-service technologies on customer satisfaction of the private banking industry of Iran (Ghavamin Bank).Applied method has been used for this research in which the questionnaire method has been utilized in order to gather the required data for describing the research variables and interpreting the relations between them. The Analysis unit in this research is the banking services customers for which 510 people have answered the questionnaires. In order to describe the data, the frequency distribution tables have been used and the structural equations model has been used to describe the data. In so doing, SPSS 18.0 and LISREL 8.54 softwares have been utilized the explanatory factor analysis, confirmatory factor analysis, path analysis, fitting testing, and model power analysis methods. The results gained due to this research indicate that three factors assurance and responsiveness and tangible physical factors have got direct relations with the customers’ satisfaction. Statistically, two factors i.e. reliability and empathy have no meaningful impact on the customers’ satisfaction and cannot function as appropriate indexes for predicting the customers satisfaction from the services provided by the bank. Ultimately, the more satisfactory the self-service technologies factors in the bank branches, the more the extensiveness of physical and tangible factors on the customers’ satisfaction shall be. Accordingly, the self-service technologies shall positively adjust the physical & tangible effects of the customers’ satisfaction. Manuscript profile

Open Access Article

77 - A Survey of Electronic Banking Effects on Organizational Structure in Agricultural Banks
S. M. Alvani K. Heidarzadeh R. Jalali

Electronic banking today allows banks to operate with speed and efficiency. The staff now is able to do bank services and processes between branch banks around the world and offer hardware and software services to customers without their physical presence More

Electronic banking today allows banks to operate with speed and efficiency. The staff now is able to do bank services and processes between branch banks around the world and offer hardware and software services to customers without their physical presence. This makes it necessary to change organizational structure to be compatible with electronic banking. This research reviews the impact of electronic banking on the organizational structure of six aspects (organizational hierarchy, field supervision, organizational size, centralization, formality, and complexity). We use the Friedman test to measure the impact of electronic banking on organizational structure, and the result shows that the impact of E-banking on organizational structure is direct. We use the MacNemar test to test independent variable E-banking on each of the six dependent variables above. The MacNemar test result shows that each of the six dependent variables has a significant relationship to electronic banking. So that test results after collecting the questionnaire are: A – The impact of electronic banking on the organizational hierarchy is direct and has resulted in reducing organizational hierarchy in agricultural banks. B – Implementation of electronic banking has resulted in increasing field monitoring. C – Implementation of electronic banking has resulted in reducing the organizational size of the agricultural bank. D – Electronic banking has caused the decentralization of activities in agricultural banks. E – E-banking has been caused less organizational complexity in agricultural banks. F – Implementation of electronic banking has resulted in less formality in agricultural bank. Manuscript profile

Open Access Article

78 - Mobile-Banking Adoption by Iranian Bank Clients
M. Behboudi A. Abedini Koshksaray M. Jalilvand Shirkhani Tabar

This study is designed to provide some insights into factors affecting the adoption of mobile banking in (MB) Iran. Encouraging clients to use the cell phone for banking affairs, and negative trends in the adoption of this technology makes it imperative to study the fac More

This study is designed to provide some insights into factors affecting the adoption of mobile banking in (MB) Iran. Encouraging clients to use the cell phone for banking affairs, and negative trends in the adoption of this technology makes it imperative to study the factors affecting the adoption of mobile banking.Thisstudy builds a comprehensive theoretical model explaining mobile banking adoption. A survey was adminstered to validate critical factors in Iran. 361 students participated in this study. The SEM techniques used to incorporate the construct validity and testing the hypotheses. The AMOS software was used to analyze the statistics. We examined eight latent variables of perceived usefulness, perceived ease of use, need for interaction, perceived risk, perceived cost, compatibility with life style, perceived credibility and trust. We found that these constructs successfully explain adoption of mobile banking among Iranian clients. Adaptation with life style and trust are found to be the most significant antecedents explaining the adoption of mobile banking. The present research is the first study using Structural Equation Modeling in order to test MB in Iran. Moreover, we examined eight variables which in comparison to previous study that used four or five variables, show more variance.  Manuscript profile

Open Access Article

79 - Investigation of Factors Influencing Innovation and Knowledge-based Trust in Accepting Mobile Banking
F. Haghshenas Kashani A. Rahnama A. Dorosti

Mobile 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 More

Mobile 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

80 - Investigating the Effect of Trust and Perceived Risk on Adoption Internet Banking Services among Arak Banks Customers
P. Ghaffari Ashtiyani M. Zanjirdar R. Sha’abani

Purpose: 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. More

Purpose: 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

81 - 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 Tirandazi

Now, 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 More

Now, 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

82 - The Internet Banking Services (IBS) in the Youth Market (Case Study: Eghtesad Novin Bank)
A. Tajzadeh S. Naysari Tabrizi

Increasing 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 More

Increasing 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

83 - Evaluation of Factors Affecting Internet Banking Adoption among Governmental and Private Banks Customers in Tehran
Z. Falah Asl M. A. Abdolvand

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 user More

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. 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

84 - “Iran Export Engineering &Technical Services” (Identifying Barriers & Offering Suggestions)
H. Nezakati Alizadeh, F. Farzm

According to the performed research in the field of engineering & technical services export in Iran .And with consideration of existing problems in this section, 4 effective categories has been identified in main activities with their relevant sub-cat More

According to the performed research in the field of engineering & technical services export in Iran .And with consideration of existing problems in this section, 4 effective categories has been identified in main activities with their relevant sub-categories including: Bank activities; Financing methods; Presenting exchange facilities; Exchange bank guarantee issuing conditions; Establishing international bank relationships; Insurance coverage, Companies capabilities, Machineries & equipments conditions, specialized humans resources abilities; attendance of Iranian consultant companies in target countries; Marketing techniques & approaches used by Iranian exporters; Economic environment (exchange); Exchange rate fluctuation, Internal inflation rate, Government activities; political supports by Government; Cooperation & expediting the administrative affairs by relevant organizations; Governmental rules & regulation stability; Export promotions & awards. And each subcategory has been specified on the basis of testing according to priority. Manuscript profile

Open Access Article

85 - Factors Underlying Consumer AttitudesTowards E-Banking
M. A. Abdolvand P. Barvand

This 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 More

This 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

86 - 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-Moghaddam

With 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 More

With 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

87 - A Proposed Model for Mobile Banking Adoption from Customers Perspective and Compare it with World Known Models
S. Karkhanei Sh. Mohammadi

Recent 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 More

Recent 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

88 - Customer Satisfaction Evaluation about Electronic Banking Services in IRAN
T. Sadeghi

Organizations 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 More

Organizations 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

89 - Factors Influencing Acceptance of Electronic Banking by the Customers of Parsian Bank
Z. Dehdashti Shahrokh M. M. Kavarooei

It 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 More

It 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

90 - Evaluating Melli Bank Service Quality Using the SERVQUAL Method
Sh. Nayebzadeh H. Dehghandehnavi M. R. Feiz

This 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 More

This 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

91 - An Investigation of Service Quality in Public and Private Banks Using Five Dimensions SERVQUAL Model
H. R. Saeidnia S. M. Eshrafi

The main objective of this study, is the comparison of service quality between public (melli) and Private (Parsian) bank. Also, to recognize and rank the elements of service quality as viewed by customers using five dimensional SERVQUAL Model. For this re More

The main objective of this study, is the comparison of service quality between public (melli) and Private (Parsian) bank. Also, to recognize and rank the elements of service quality as viewed by customers using five dimensional SERVQUAL Model. For this reason, the population universe consists of the sampling method has used by Stage Sampling in order to obtain the information used in the standard questionnaire. Then we used parametric and non-parametric tests to analyze the data. Considering the final result in two dimensions, reliability and assurance, the Melli Bank attained better performance than did the Parsian Bank; further, in the three dimensions of tangibility, empathy and responsiveness, the Parsian Bank was recognized to have better performance. Manuscript profile

Open Access Article

92 - The Study on the Consumers' Perceptions of Electronic Banking Services of Keshavarzi Bank in the Southern Regions of Kerman Province
H. Zolfaghar Dehnavi D. Rashidi

Banks 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 More

Banks 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

93 - Contract for Production in the Securities Market
Seyed Mohammad Reza Ayati Ali Ale Boye

Contract 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 More

Contract 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

94 - 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 Pakmaram

In 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 More

In 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

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95 - An Implementation of the Activity Based Costing in Banking Industry (Evidence from Mehr Bank in Mashad)
امین ناظمی سیداحمد سیدی

In this study the cost of rendering services is calculated during 2009 in some MehrBank branches using Activity Based Costing(ABC). The results are compared topromulgated interest rates. The services in this study include deposits and Islamic loancontracts. In order to More

In this study the cost of rendering services is calculated during 2009 in some MehrBank branches using Activity Based Costing(ABC). The results are compared topromulgated interest rates. The services in this study include deposits and Islamic loancontracts. In order to implement the ABC the financial information if the branches arecollected through the general ledgers and non financial information is gathered byother ways. The results are compared using pair wise sample t tests. The findingsshow that there is a significant difference between the cost of the loans using the ABCand the promulgated rates. Manuscript profile

Open Access Article

96 - The effect of banking Supervision on nonperforming loan Subtraction
اعظم احمدیان آزاده داوودی

The paper empirically analyses the link between nonperforming loans and bankingsupervision. We employ aggregate banking, financial, economic and legalenvironment data for a panel of 30 countries over period 2000-2010. Empirical resultsindicate that higher power of super More

The paper empirically analyses the link between nonperforming loans and bankingsupervision. We employ aggregate banking, financial, economic and legalenvironment data for a panel of 30 countries over period 2000-2010. Empirical resultsindicate that higher power of supervision reduce the level of problem loans. We alsoreport a desirable impact of interaction between banking supervision and politicalstability, Return on asset and banking system risk. Our finding Support the view thatthose indicator reduce the level of problem loans. Manuscript profile

Open Access Article

97 - 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 sayadi

Introduction 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, More

Introduction 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

98 - Pattern of Deviant Political Behavior Management Strategies in Banking Industry using a Qualitative Approach
atefe EbrahimpourAhandani saeed jafarinia akbar hassanpoor mehdi Kheirandish

Banking 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 More

Banking 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

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99 - 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 kh

In 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 More

In 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

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100 - 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

10.30495/jisds.2023.70883.11827

 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

101 - New Banking Industry and Development in Iran
soroush fathi Mohammad Zaman Mohammadi Raeisi Habibollah Karimian

10.30495/jisds.2007.21319

From the beginning of entering individual and social life to change and develop the socio-economic structure, etc., human endeavor has always seen many changes and transformations and has used various material and human resources to improve and enhance the quality of so More

From the beginning of entering individual and social life to change and develop the socio-economic structure, etc., human endeavor has always seen many changes and transformations and has used various material and human resources to improve and enhance the quality of social life and no activity in the realm of life and the universe has been possible without the use of thinking and planning to use financial resources. Intellectual changes of human beings have caused the creation of various financial institutions, including the focus on limited human material resources in the form of bank and banking and using the accumulated resources have had great changes in the indicators of socio-economic, political, environmental structure and .... It has been realized that today the world is divided into different categories: developed, industrial, post-industrial, underdeveloped, first world, third world, etc. Today, all societies are striving to achieve the sublime goal of sustainable development and development to put themselves in the forefront of industry. The present article has been done with the aim of exploring the effect of modern banking industry on the development of Iranian society using a documentary method. The results show the fundamental changes in the country's banking infrastructure and its direct or indirect effect are tangible with intermediate variables in development indicators (economic, social). Manuscript profile

Open Access Article

102 - Testing Citizens’ Electronic Readiness in Establishing E-Government, E-Municipality, and E-Banking
مهرزاد سرفرازی

The present research’s aim is examining and testing citizens’ electronic readiness in accord with utilizing IT and making use of e-governmental services, e-banking, and e-municipality in the citizens domiciled in Larestan, Grash, Evaz, Khonj, and Beiram. Sta More

The present research’s aim is examining and testing citizens’ electronic readiness in accord with utilizing IT and making use of e-governmental services, e-banking, and e-municipality in the citizens domiciled in Larestan, Grash, Evaz, Khonj, and Beiram. Statistical community of this research includes the citizens older than 17 that contain 8500 people. This research has been chosen based on the formula of the sample bulk haphazardly by making use of the cluster –sampling method. The research questioner includes 30 questions that have been written based on the research questions by the researcher. For narrative testing the questioner has made use of the narrative concerning its content and for accounting validity indices all the measurements in this research have been done by  Kronbakh Alpha method. Analyzing the data in the present research has been conducted in both descriptive and deductive layers of statistics. The data in this research questions indicate that if the government provide the citizens with necessary foundations for rendering the services in IT and internet, the citizens are ready to accept and utilize electronic services presented by the banks, municipalities, and governmental organizations via internet.   Manuscript profile

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103 - Target setting in the process of merging and restructuring of decision-making units using multiple objective linear programming
Javad Gerami

Manuscript profile

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104 - Machine learning clustering algorithms based on Data Envelopment Analysis in the presence of uncertainty
Reza Ghasempour Feremi Mohsen Rostamy-Malkhalifeh

10.30495/ijdea.2022.69372.1184

Manuscript profile

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105 - 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 Charkh

10.22034/jest.2020.23338.3246

Background 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 More

Background 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

106 - Validating the network policy making model in the field of digital banking in Iran
Mehdi Ghadami Morteza Mousa Khani Sayyed Mehdi Alvani Hamid Reza Yazdani

Given 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 More

Given 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

107 - The Effect of Changes in the Banking Industry Structure on Firms Investment
ebrahim abdi Farhad khodadad kashi Yeganeh Mosavi Jahromi

This Study examines the impact of structural changes in the banking industry on firms investment listed on the Tehran Stock Exchange. For this purpose, data from 258 firms during the period from 2005 to 2014 and the dynamic generalized method of moments were utilized to More

This Study examines the impact of structural changes in the banking industry on firms investment listed on the Tehran Stock Exchange. For this purpose, data from 258 firms during the period from 2005 to 2014 and the dynamic generalized method of moments were utilized to put forward an investment model with financial constraints. The results of the study showed that these firms faced a financial constraints on investment and Concentration in the banking industry has affected the investment of the firms by reducing the financial constraints. The results also revealed that small firms have experienced greater financial constraints in comparison with larger firms and Larger firms have gained more benefits from concentration in the banking industry. Manuscript profile

Open Access Article

108 - 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 Talaneh

Non-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 More

Non-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

109 - 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 Sabzi

The 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 More

The 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

110 - Identification of Indicators of Banks subject to Bankruptcy Crisis Based on Thematic Analysis Method
Mahnaz Morshedzadeh Mahmoud ghorbani

The occurrence of bankruptcy in the world's monetary systems is highly sensitive, as the systemic risk consequences associated with this phenomenon can have very devastating effects on the monetary and financial system of countries and lead to severe political and secur More

The occurrence of bankruptcy in the world's monetary systems is highly sensitive, as the systemic risk consequences associated with this phenomenon can have very devastating effects on the monetary and financial system of countries and lead to severe political and security crises. Valuable laws and regulations have been developed to assess the status and performance of the bank and to warn of the crisis leading to bankruptcy in the world. The situation of some countries, including Iran, is different economically and in other respects. In this study, through interviews with banking experts and thematic analysis, the researchers identified 17 indicators with a high degree of impact on bankruptcy, that five of them are specific to the current conditions of the Iran’s banks. Manuscript profile

Open Access Article

111 - Analysis of Personal Banking Business pattern (Refah.k bank Case Study)
ebrahim abbasi Mahmood Rezaie bonjar

Abstractthis 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 More

Abstractthis 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

112 - 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 Pouriz

In 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 More

In 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

113 - Modeling the Relationship between Efficiency, Risk and Capital in the Iranian Banking System
sayed majid koocheki mohammad hasan janani Mohammadreza Setayesh Mahmoud Hematfar

AbstractIn 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 & More

AbstractIn 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

114 - Identifying the factors affecting the acceptance of Multi-purpose Card Innovation in investment Bank and ranking the factors with the fuzzy approach
Abbas khamseh

Multi-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 More

Multi-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

115 - The empirical test of the impact of Business Environment Risk on the relationship between Liquidity Risk and Financial Performance in the Banking Industry of Iran
Mohammad Bidgoli ali Esmaeilzadeh Maghari Mehdi Taghavi Marjan Damankeshideh

This research empirically analyzed the impact of business environment risk on the relationship between Liquidity risk and financial performance in the Banking Industry of Iran. The research samples include 18 Bank over the period 2006 - 2018. The solely research hypothe More

This research empirically analyzed the impact of business environment risk on the relationship between Liquidity risk and financial performance in the Banking Industry of Iran. The research samples include 18 Bank over the period 2006 - 2018. The solely research hypothesis examined by using multivariate regression model based on panel data method. The method in terms of purpose is an applied research and in terms of the type of research is a correlation method. The evidences indicated that the impact of Liquidity risk on financial performance in the banking industry of Iran is a negative and significant. The impact of business environment risk on financial performance in the Banking Industry of Iran is a negative and significant. The impact of business environment risk on the relationship between Liquidity risk and financial performance in the Banking Industry of Iran is a negative and significant. Manuscript profile

Open Access Article

116 - New Customer Oriented Banking: Approaches, Challenges and Patterns
Seyed Ali Jalali Nazari Kambiz Heidarzadeh Hamid Reza Saeednia

As 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 More

As 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

117 - Identifying and Ranking Digital Marketing Factors in the Banking Industry: with an Emphasis on Financial and Investment Services (using Grounded Theory)
Elmira Emsia Javad Janmohammadi

With 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 More

With 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

118 - leverage decisions , economy policy uncertainty and peer-bank behavior in accepted banks of TSE
sepideh kazemi maryam khalili araghi hashem nikoumaram

dealing 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 More

dealing 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

119 - Presentation of Risk Management Model in Digital Banking - A rational approach
narjes heydarzadeh aghdam

Now is the time to move from traditional to technology-driven and value-added business models. In recent years, the new generation of banking under the name of digital banking has become operational in the world and the main performance of leading banks has been focused More

Now is the time to move from traditional to technology-driven and value-added business models. In recent years, the new generation of banking under the name of digital banking has become operational in the world and the main performance of leading banks has been focused on the axis of digital transformation. This research explains and develops the conceptual model of risk management in digital banking by choosing the ground-theory research method and literature review. In the first step, a comprehensive review of risk management models in digital banking and after the emergence of several gaps between the components of current research, the second step began, the researcher conducted interviews with experts in the field of management and decision making in the banking industry. After coding the interviews, based on the concepts developed, he presented a conceptual model of risk management in digital banking. This model will be explained due to the prominent components of monitoring and evaluation of digital banking risk management in macro international, national, regional development, as well as modeling and indexing in the country and region, and will develop a risk management model in digital banking. Using the expert-fuzzy method and distributing the questionnaire in three stages, the opinions of experts on the importance of risk management indicators in digital banking, expert consensus and prioritization of research indicators were examined. The results and findings of the study provide an evaluation of the risk management model in digital banking in the country's banking industry. Manuscript profile

Open Access Article

120 - Identification of the indicators of the life cycle management model for the development of banking services Case Study: Parsian Bank))
Samira Shafaei yamchelou vahidreza mirabi esmaeel hassanpoor Mohammad Hossein Ranjbar

This research was conducted using the method of thematic analysis and interviews with 10 experts from the banking sector. The results of the categorization of the topics identified during the coding phases into the four phases of the product life cycle in the model for More

This research was conducted using the method of thematic analysis and interviews with 10 experts from the banking sector. The results of the categorization of the topics identified during the coding phases into the four phases of the product life cycle in the model for the management of the life cycle of banking services showed that distinct facilities, service quality and human resources management are the basic themes of the indicators in the introduction phase, communication with customers and increases in marketing activities are the basic themes of growth stage indicators ,structural changes, customer retention, new services and internal audit are the basic themes of maturity stage indicators, and the granting of inappropriate facilities, ineffective communication with government and inaccurate estimates are one of the basic themes of indicators for the decline stage.In the quantitative part of the research, the analytic hierarchy process of AHP was used to prioritize the categories of the LCM model. The Expert Choice software is used by performing bidirectional comparisons between decision elements. According to the experts, the quality of services is the most important indicator in the introduction phase and the increases in marketing activities is the most important indicator in the growth phase and structural changes are the most important indicator in the maturity phase and inaccurate estimates are the most important indicator in the decline phase. Then the qualitative results of the research were also tested quantitatively, using statistical tests such as the t-test one sample and the Friedman test. Manuscript profile

Open Access Article

121 - Identify and examine the process of impact of the most important variables affecting the banking crisis over time
ghodratolah talebnia siavash malekpour Hamidreza Vakilifard Mohammad Hossein Ranjbar

AbstractThe study of banking crises in the world over time shows that some of them are destructive. Institutional problems, economic and financial sanctions and even the spread of the Corona virus have significantly increased the likelihood of crisis in the country's ba More

AbstractThe study of banking crises in the world over time shows that some of them are destructive. Institutional problems, economic and financial sanctions and even the spread of the Corona virus have significantly increased the likelihood of crisis in the country's banking system. The share of more than 80% of banks in financing financing investment in the country has doubled the importance of identifying the factors affecting the banking crisis. Banks are used. The present research is applied in terms of research method. Estimation of Bayesian averaging model and TVP_FAVAR in MATLAB 2021 software in 11-year period (2008-2019); it is going to happen. The sample is 10 banks listed on the Tehran Stock Exchange. Initially, 49 variables affecting the banking crisis were entered into the model and 12 non-fragile variables affecting the financial crisis were identified using the Bayesian averaging model approach. The output of the results shows that the banking crisis index in the Iranian economy is multifaceted because the variables related to monetary and financial sector policy makers affect it; The results of the TVPFAVAR model also show that the effect of variables affecting the banking crisis is generally positive and strong, and this effect is generally stronger in the long run than in the short run; As a result, in order to reduce the banking crisis, medical and discretionary policies can not prevent the occurrence of the banking crisis, and institutional and fundamental policies and infrastructures are needed. Manuscript profile

Open Access Article

122 - The Effects of Social Performance Indices on the Credit Risk of Iranian Banking Industry
Saber Akbarian Ali Asghar Anvary Rostamy Nader Rezaei Rasoul Abdi

This research investigates the effect of social performance indicators on credit risk in the banking industry. To this end, a 6 years period was considered during 2012- 2017. Finally, 20 banks selected as the study population. The independent variable of this research i More

This research investigates the effect of social performance indicators on credit risk in the banking industry. To this end, a 6 years period was considered during 2012- 2017. Finally, 20 banks selected as the study population. The independent variable of this research is the social performance index of banks. In order to elaborate on the social function index checklist, the method of meta‌-‌synthesis was used. The content analysis method was then used to measure the rank of social responsibility indicators (number of disclosed items on the total number of items disclosed). In addition, the dependent variable is credit risk. The statistical method used to test the hypothesis proposed in the panel data research. The results indicate a positive and significant relationship between social performance indicators and associated risk factors. That is, the greater the risk of social performance indicators in banks and their operating cost, the higher the risk of credit. On the other hand, the coefficient of estimation of 0.44 for social performance indicators shows that 0.44 changes in banks' credit risk are due to changes in social performance. Also, bank managers should be more cautious in applying social responsibility mechanisms and not assume that this effect should logically be negative is always true. Manuscript profile

Open Access Article

123 - Designing a quality model of integrated marketing communications for specialized banks in Iran
Hadi Kamarei vahidreza mirabi Esmaeil Hasanpour Ghoroghchi Farhad Hanifi

The present study intends to investigate the role of the component of integrated marketing communications in the banking industry. In other words, the aim of the present study is to identify the critical variables affecting integrated marketing communications in the ban More

The present study intends to investigate the role of the component of integrated marketing communications in the banking industry. In other words, the aim of the present study is to identify the critical variables affecting integrated marketing communications in the banking industry.The present research has been done by qualitative method and qualitative content analysis method. As with any other research, the literature review is related to the library, and also the approach of integrated marketing communications in the banking industry has been done in order to classify and present the structure based on previous research. To review and answer the research question, an interview with a group of marketing communication experts in the banking industry is conducted. They will be selected based on judgmental and snowball sampling methods. The adequacy index of the number of interviews is the theoretical saturation based on which the researcher concludes that more interviews will not add more information to the current reserves of the interviews, and finally the final qualitative model was extracted. Manuscript profile

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124 - The contagiousness of the risk of financial distress in Iranian banks with a dynamic conditional turbulence approach
Behrouz Barzegar mir feiz Fallah Shams maryam khalili araghi hashem nikoomaram

In the present study, the effect of the spread of financial distress in Iranian banks with a dynamic conditional turbulence approach for the use of economic decision makers and financial managers has been investigated.The statistical population of the study includes Mel More

In the present study, the effect of the spread of financial distress in Iranian banks with a dynamic conditional turbulence approach for the use of economic decision makers and financial managers has been investigated.The statistical population of the study includes Mellat, Tejarat, Saderat and Parsian banks, which have been analyzed in the period of 2016-2016. The present study, using the KMV method and the concept of distance to default, and using the VAR model and the DCC-GARCH method, has investigated the possibility of spreading financial distress to other banks.The results show that there is a significant relationship between the risk of financial helplessness of banks with each other; Bank Mellat has the highest risk of transmission of helplessness and Parsian Bank shows the least effectiveness. According to the results of the model, increasing the operational risks of banks, including credit risk and market risk, has a significant effect on increasing the risk of financial distress and this risk can spread to other banks in the banks' communication network and then the entire economy. Manuscript profile

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125 - Providing a model of value creation with customers in the banking industry from a phenomenological perspective
Amirali koushki Fataneh ALIZADEHMESHGANI Nasser Fegh-hi Farahmand

Creating value with customers is the current and future model of the banking industry that combines environmental, social and governance factors in the public interest. It seems that in the context of the country's banking industry, achieving value creation with custome More

Creating value with customers is the current and future model of the banking industry that combines environmental, social and governance factors in the public interest. It seems that in the context of the country's banking industry, achieving value creation with customers is achievable. The present study aimed to provide a model of value creation with customers in the banking industry (Case study: Bank Mellat). This research is an exploratory research from the perspective of the purpose, which has been mixed with research method and based on deductive-inductive reasoning. The statistical population of this study includes theoretical experts (marketing professors) and experimental experts (banking industry managers). Sampling was done in a non-probabilistic and purposeful manner. Data collection tools are semi-structured interviews and questionnaires. Qualitative phenomenological analysis has been used to analyze specialized interviews. Also, the identified indicators have been validated by fuzzy Delphi method. Finally, the final research model is presented by fuzzy dimtel method. Research data analysis was performed in the qualitative phase with MaxQDA software and in the quantitative phase with Matlab software. Based on the results of this study, based on the designed initial model, it was found that value creation strategy has an effect on organizational knowledge management and human resource management. Manuscript profile

Open Access Article

126 - Provide a financing social businesses pattern for through the banking industry
ramin alizadeh parviz saeidi Maryam bokharayan majid nasiri

Today, social business is known as an effective and sustainable solution in the economic and social development of countries and is attracting the attention of wider sections of society every day. How to finance is one of the strategic issues in advancing social busines More

Today, social business is known as an effective and sustainable solution in the economic and social development of countries and is attracting the attention of wider sections of society every day. How to finance is one of the strategic issues in advancing social businesses to start and manage these businesses. In this study, using the qualitative research method, the factors affecting the financing of social businesses through the banking industry have been identified and categorized. By conducting interviews with banking industry experts in 1999, a total of 15 interviews were selected using snowball sampling. Twenty-four main categories were identified based on the data paradigm model of the foundation and structured in six dimensions. Income generation, legal obligations of banks and financial innovation, investment and competitive environment in the banking network as "causal conditions", characteristics of the firm, political laws and sanctions as "interfering conditions", informal institutions in the banking network, place of supply Finance in banking policies, environmental constraints, knowledge and expertise of bank employees as "underlying conditions", social mechanisms of value creation, agile banking executive system, implementation of integrated banking control and supervision system, attracting investors, selling shares to Title "interactive dimension", individual entrepreneurial capacity, business platform, sustainable social business, maximizing benefits as a "pivotal phenomenon" and ... Finally, based on the analysis of the extracted data and the inference of the results by the researcher, the financing model of social businesses was extracted through the banking industry. Manuscript profile

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127 - Digital transformation in corporate banking: theoretical approach and behavioral analysis
Shadi Oyarhossein abbas toloie eshlaghy Reza Radfar Alireza Pour Ebrahimi

Digital 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 More

Digital 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

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128 - Environmental Niche Capacity and Peer Effect in Funding Liquidity Risk of Banks
Tayebe Bakhtiarian Gholamhossein Asadi Hossein Abdo Tabrizi Teymor Mohammadi

Peer effects is a pervasive phenomenon in a business world and several theories have been proposed to explain that. Since this phenomenon can have different positive or negative consequences in different domains, therefore, in this paper using information and competitio More

Peer effects is a pervasive phenomenon in a business world and several theories have been proposed to explain that. Since this phenomenon can have different positive or negative consequences in different domains, therefore, in this paper using information and competition based theories and Organizational ecology theory and By defining an index called environmental niche capacity, the relationship between the index and peer influence has been investigated in banking industry of Iran in order to help to form macro prudential policy to control peer effects as a systemic risk factor in that industry. The research sample includes all active banks of Iran from 2002 to 2016 and the models used are linear regression model based on Manski's approach with unbalanced micro-panel data and two stage least squares method to estimate peer effects coefficient and linear regression model with time series data to evaluate relation between peer effects and environmental niche capacity index and also concentration and uncertainty index. The evidences shows that the correlation of niche index is significant both during boom and bust, but during recession the coefficient is increased by approximately 2/1 times, indicating the importance of liquidity management by central bank to control peer effects systemic factor and crisis formation in the banking system. Manuscript profile

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129 - 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 yazdanian

AbstractThe 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 More

AbstractThe 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

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130 - Design of Financial Procedure Patterns for supply Chain with Credit Coverage Approach by Agricultural Bank
mahdi hajian mohsen hamidian roya darabi

Improper 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 More

Improper 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

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131 - Clarification of the Factors the investment of Technological Projects in the growth Stage with an emphasis on the banking system
mahmoud khatib mohammad javad mohaghegh nia mahdi sadeghi shahdani mustafa sargolzaee

The identification of effective factors of investment in technological projects plays a key role in the development of collaborative banking. This study aims to ranking investment factors in the technological projects of the growth phase in the banking system. The metho More

The identification of effective factors of investment in technological projects plays a key role in the development of collaborative banking. This study aims to ranking investment factors in the technological projects of the growth phase in the banking system. The method of research is practical and the data are collected through survey using questionnaires filled by venture capital experts and bank system managers.Determining importance degree of investment projects includes identification and evaluation of plan, negotiation and signing contract, implementation, Cooperation supervision and investment exit by using “Shanon entropy” quantitative method and prioritizing of five investment factors in technological projects by using TOPSIS method. Results show that the characteristics of technological company, product property, micro economic factors, characteristics of the entrepreneurial team and macroeconomic factors are the most important factors. Manuscript profile

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132 - Future scenarios of the banking industry
morteza TAVAKOL Akbar Etebarian Amirhushang Heidari Amirreza Naghsh

Changes 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 More

Changes 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

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133 - A model for strengthening banks with approach of antifragility to financial crises
Ebrahim Partovi Mohammad hasan Maleki hosein Jahangirnia reza gholami jamkarani Seyyed kazem Chavoshi

The present study seeks to identify the factors affecting the strengthening of banks with the approach of antifragility and determine the priority of these factors and finally provide a solution to strengthen banks. The present study is mixed due to the use of qualitati More

The present study seeks to identify the factors affecting the strengthening of banks with the approach of antifragility and determine the priority of these factors and finally provide a solution to strengthen banks. The present study is mixed due to the use of qualitative and quantitative methods. The theoretical population of research is senior banking managers and experts in the field of resilience and economic resilience. The research sampling method was judgmental and non-probabilistic and samples were selected based on expertise in the field of research. Two tools of interview and questionnaire (expertise and SMART) were used to collect data. Binominal statistical test and SMART were used to analyze the research data. In the first stage, the effective factors on banking strengthening were extracted through literature systematic review and interviews with experts. Due to the large number of factors, low importance factors were eliminated by using Binominal test. The remaining 28 factors were classified into 6 main categories: risk acceptance, organizational structure, learning, high reliability, degree of system softness, and support mechanisms. Then, using the SMART, sub-factors were ranked in each category. According to the score of factors, the sub-criterion of the existence of stress analysis mechanisms in the risk acceptance factor has the highest priority. Sub-factors of system interchangeability, rational selection, creative destruction, holism, and the existence of support systems were given the highest priority in the remaining categories. Manuscript profile

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134 - Development of A Comprehensive Multi-Criteria Decision-Making Model in Managing the Operational Risks of Banking System
Amirhasan Ghorbani Asgar Noorbakhsh Tahmaseb Mazaheri

10.30495/jik.2024.23255

Operational risks are considered as one of the most basic challenges in managing financial systems. Therefore, the development of a mathematical model that is responsible for decision-making and introducing the best strategies for effective management of operational ris More

Operational risks are considered as one of the most basic challenges in managing financial systems. Therefore, the development of a mathematical model that is responsible for decision-making and introducing the best strategies for effective management of operational risks in banks is considered as an effective step in this field. The present study, based on the "descriptive-analytical" research method with "Development of a comprehensive multi-criteria decision-making mathematical model" has provided a standard and provable mechanism for optimal decision-making and effective decision-making for effective management of operational risks at the banking system. The "statistical population" of the present study includes; "Central Bank", "Banks and financial-credit institutions affiliated with the public and private sectors". The volume of the statistical population is 250 elements. The time domain of the research for the period is 1395-1400. The input information required to create the managers and senior experts of the banks has been collected with the help of a questionnaire and based on the Delphi-fuzzy method. Questionnaires designed according to the adapted framework for classifying the factors and stimuli of the bank's operational risk were designed in six groups of origin, and distributed among experts. The present study used multi-criteria fuzzy group decision making (FMCGDM) and fuzzy TOPSIS (FTOPSIS) techniques to analyze the data. Manuscript profile

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135 - Predicting Network linkages of banking system distress based on operational risks and behavioral finance components
ahmad bidi Fraydoon Rahnamay Roodposhti Gholam Reza Gholami Jamkarani HAMIDREZA KORDLOUIE Mortaza Baky Hasuee

The present research is aimed at prediction of network linkages of banking system distress based on operational risks and behavioral finance approach. Methodology of the present research is of survey descriptive, practical from the purpose standpoint. Notably, in order More

The present research is aimed at prediction of network linkages of banking system distress based on operational risks and behavioral finance approach. Methodology of the present research is of survey descriptive, practical from the purpose standpoint. Notably, in order to reach this purpose, firstly, based on study and review of theoretical basics, research variables were introduced. Then, by making use of Krejcie and Morgan Table, 384 participants were selected, and upon distribution of questionnaire among the aforesaid, research data were collected. Furthermore, in order for analysis of data and estimation of research empirical models, the researcher used structural equation modeling (SEM) and Smart PLS software. Of note, findings of this research indicate that behavioral financial standpoints and operational risk have significant effects on prediction of banking network disorder. Furthermore, based on estimated beta coefficients, among behavioral financial elements, economic behavior, cognitive standpoint, judgment biases, heuristic behaviors, decision making biases and value and return of stocks have respectively the highest effect on banking disorder, and among operational risk elements, human resources risk, systemic risk, transaction risk, technology risk and fraudulent and deception risk have respectively the highest effect on banking disorder. Manuscript profile

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136 - The mediator role of higher order math thinking skills between lower order math thinking in financial affairs and empowering financial employees based on revised bloom taxonomy
Seyedeh Zahra AboalhasaniKumleh Ahmad Shahvarani F. Rahnamay Roodposhti F. Hosseinzadeh Lotfi

In this paper, the importance of the mediator role of higher order mathematical thinking skills in financial affairs in relationship between lower order mathematical thinking skills in finance and empowering financial employees was investigated from employees' viewpoint More

In this paper, the importance of the mediator role of higher order mathematical thinking skills in financial affairs in relationship between lower order mathematical thinking skills in finance and empowering financial employees was investigated from employees' viewpoint in Iranian banks. After reviewing the skills, the employees’ attitudes were examined by a researcher-made questionnaire. The research method is descriptive-correlative. In order to data analysis and hypotheses testing, structural equation modeling was used. The results showed that from the perspective of participants, lower order mathematical thinking skills in finance, has directly a positive and nonsignificant effect, and indirectly a positive and significant effect on professional skills of financial staff in banking; while higher order mathematical thinking skills in financial affairs has a direct and significant effect on the skills. Due to higher order mathematical thinking skills in finance, overall effect of lower order mathematical thinking skills in finance has greatly increased.The results showed the participants believe that the higher order mathematical thinking skills in finance are more effective than the lower order mathematical thinking skills in finance. According to the importance of higher order math thinking, we suggest some recommendation to bankers and educators.   Manuscript profile

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137 - Asset Securitization in leasing industry
Fraydoon Rahnamay Roodposhti Mahdiyar Sarshar S. Mohammadjavad Mirtaher

Leasing 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 More

Leasing 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

138 - Examining the Effects of Securitization Process on Credit Risk and Banking Stability: Empirical Evidence from Commercial Banks in Iran
Mohammad Hossein Fatheh Sepideh Ghaffari

The purpose of this study is to examine the effects of securitization process on risking behavior and banking stability. In order to achieve this goal, 20 banks were studied under certain conditions in the period 2009 to 2013. Multivariate regression models were employe More

The purpose of this study is to examine the effects of securitization process on risking behavior and banking stability. In order to achieve this goal, 20 banks were studied under certain conditions in the period 2009 to 2013. Multivariate regression models were employed to analyze the data. The ratio of the converted assets to total assets is considered as the securitization index, the ratio of the balanced assets based on risk to the total assets is the credit risk index, and Z scores were used as banking stability index. The results of this study suggest that the securitization process has no significant effect on credit risk and bank stability among commercial banks of Iran.  Manuscript profile

Open Access Article

139 - 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 Fatheh

The 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 More

The 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

140 - Identify the capabilities and resources to change the business model of commercial banks in Iran
Behrooz Rezaei Manesh Habiballah Roodsaz Mohammad Taghi Taghavifard Mahdi Haghighi Kaffash Abbas Kamareie

Banking industry in Iran as an essential component of the foreign exchange market plays a decisive role in the economy. Studies show that banking industry in Iran to achieve its strategic objectives, is on the verge of major changes. Many banks are studying and implemen More

Banking industry in Iran as an essential component of the foreign exchange market plays a decisive role in the economy. Studies show that banking industry in Iran to achieve its strategic objectives, is on the verge of major changes. Many banks are studying and implementing comprehensive strategy and financial firms. According to studies, every organization needed to change the business model to the capabilities and resources.In this study, using a mixed method, using interviews with 16 experts in Iranian banking industry banking capabilities required to change the business model is detected.Finally, by analyzing 176 questionnaires related resources required for this change is studied. Manuscript profile

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141 - Ranking Iranian banks according to corporate governance based on banks documents
Ali Mahdavi Parsa Marziyeh Nourahmadi

The aim of this paper is to investigate and analyze the content of documents (including vision, mission, objective, ethic charter and fundamental values) of 36 bank and credit institution operating in the banking system without rabbis from the perspective of corporate g More

The aim of this paper is to investigate and analyze the content of documents (including vision, mission, objective, ethic charter and fundamental values) of 36 bank and credit institution operating in the banking system without rabbis from the perspective of corporate governance in its categories and concept's. In this paper, after reviewing the literature of corporate governance and previous research on this subject , we review and analysis of documents Iranians banks and exploiting  issues related to corporate governance, and assessing importance of this issue in Iranian banks and finally on this basis we ranking Iranian banks. Our research method is content analysis. The results suggest that attention to corporate governance and its implications in the documents Iranian banks is relatively low, Which reflects the significantly lower level of decision-making banks to corporate governance.    Manuscript profile

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142 - A Study of E-Banking Security Measures Adopted by the Indian Public Sector Banks with an Outlook For Globalization
Mohammad Javad Azizi Sorkhani Hamidreza Kordluei

Nowadays 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 More

Nowadays 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

143 - Economic Analysis of the Possibility of a Tax on Bank Deposits
Alireza Erfani Hamidreza Kordlouie Smaeil Shamsiyan

In recent years, the debate over taxes on deposits or it’s profits, each time has been seriously attacked by the newspapers and news agencies. These criticisms and objections, although do not support with the scientific and practical evidences, but official author More

In recent years, the debate over taxes on deposits or it’s profits, each time has been seriously attacked by the newspapers and news agencies. These criticisms and objections, although do not support with the scientific and practical evidences, but official authorities always and quickly deny it. They believe that negative real interest rates on bank deposits in recent years and negative effect of tax on those rates is cause of evasion and movement of funds from the banking system to non-productive markets. This research is based on theoretical analysis; First it informs taxation’s proofs with logical evidences, Then surveys proofs of critics and rejects them. In this paper, We will prove the necessity of being accessible and easier tax on deposits, then we will deny capital and deposits flighting of the banking system. In this research, money is like blood in the body and financial system specially banks is a blood’s circular system and capitals get banks off when money destroy, hoard or go abroad. Manuscript profile

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144 - Economic Analysis of the Possibility of a Tax on Bank Deposits
Khosro Faghani Makarani keramat olah Heydari Rostami Vahid Amin

In recent years, the debate over taxes on deposits or it’s profits, each time has been seriously attacked by the newspapers and news agencies. These criticisms and objections, although do not support with the scientific and practical evidences, but official author More

In recent years, the debate over taxes on deposits or it’s profits, each time has been seriously attacked by the newspapers and news agencies. These criticisms and objections, although do not support with the scientific and practical evidences, but official authorities always and quickly deny it. They believe that negative real interest rates on bank deposits in recent years and negative effect of tax on those rates is cause of evasion and movement of funds from the banking system to non-productive markets. This research is based on theoretical analysis; First it informs taxation’s proofs with logical evidences, Then surveys proofs of critics and rejects them. In this paper, We will prove the necessity of being accessible and easier tax on deposits, then we will deny capital and deposits flighting of the banking system. In this research, money is like blood in the body and financial system specially banks is a blood’s circular system and capitals get banks off when money destroy, hoard or go abroad. Manuscript profile

Open Access Article

145 - Presenting a model identification and prioritize for customer preferences in selecting banks and do invest based on grounded theory method and structural equation modeling (case study: Iran’s banking industry)
Maliheh Dorostkar Mohammad Hosein Ranjbar

The banking system is a unit of economic system which its aim is absorption of any deposit and its allotment for providing financial demand of any economical activity .Terefore ,Banks holding major part of society funds,have important effect on economic system and influ More

The banking system is a unit of economic system which its aim is absorption of any deposit and its allotment for providing financial demand of any economical activity .Terefore ,Banks holding major part of society funds,have important effect on economic system and influence societys economical transaction and relation. At first, a conceptual model was developed for customer preferences following the three stage process of grounded theory method, namely open coding, axial coding, and selective coding. This model was then tested by conducting structural equation modeling using LISREL and SmartPLS. The result of this process was Identification of 11 categories The researcher succeeded in completing 13 deep interviews with banking customers. Thus, the study focused on a large statistical population of bank customers and data were collected from 500 respondents who were selected through stratified random sampling with proportional allocation. A 37-item questionnaire designed by the researchers was used for data collection. Each item of the questionnaire had to be answered based on a likert scale. The results supported the goodness-of-fit of the model, resulting in the presentation of a comprehensive model for customer preferences and do invest in Iran’s banking industry. Manuscript profile

Open Access Article

146 - An Interval PROMETHEE II Approach for Multi-Criteria Ranking Problem of the Bank Branches in Iran
S. Torkan A. Mahmoodirad S. Niroomand S. Ghane

An 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 More

An 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

147 - Evaluation of customer satisfaction about Bank service quality
A. R. Shahraki

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Open Access Article

148 - The Effect of Green Banking actions on Environmental Performance of State-owned Banks in Khorramabad county
esfandyar mohammadi marjan arvaneh

Background 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 More

Background 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

149 - 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 نصابیان

In 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 More

In 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

150 - Forward Sale and e-commerce in the statute laws citing to the Holy Quran
Seyedeh Sedigheh Shafiei Nasab Langroudi Mohammad Ali Ghorbani Kazem Rahman Satayesh

10.30495/qsf.2021.679167

According to the Qur'an, the jurisprudents consider the forward sale to be the purchase of property in obligation, up to a certain date at the present price. The aim is that both exchanges, i.e the purchase price, which is called the price in the sale, and the Molem Fih More

According to the Qur'an, the jurisprudents consider the forward sale to be the purchase of property in obligation, up to a certain date at the present price. The aim is that both exchanges, i.e the purchase price, which is called the price in the sale, and the Molem Fih, which is called the seller in the sale, should be clear in such a way that there is no ambiguity in it. According to this definition, the forward sale in banking is that banks, in order to provide a part of the working capital of production units, at the request of these units, pre-purchase their products. These units receive money from the bank and deliver the goods to the bank on time. But forward sale in e-commerce is that a person visits the site and orders the purchase of goods and pays the amount of the goods on deposit to receive the goods at the specified time. Manuscript profile

Open Access Article

151 - JURIDICAL AND LEGAL STUDY OF DELAY FINE
Majid khazaie

Delay fine is very popular in Iran's banking system while some religious authorities have mentioned it to be a case of unlawful profit and have emphasized on eradicating it. Simple and easy consideration of religious decrees and sticking into one way of dealing with thi More

Delay fine is very popular in Iran's banking system while some religious authorities have mentioned it to be a case of unlawful profit and have emphasized on eradicating it. Simple and easy consideration of religious decrees and sticking into one way of dealing with this issue at different times and under different circumstances is some son of caducity which will result in lack of flexibility for facing different situations and will lead to petrification. The present article studies different types of unlawful profit while comparing and contrasting with the profits of the banking system.  Manuscript profile

Open Access Article

152 - An Explanation of Usury in Iran's Jurisprudence and Juridical System and the Ways of its Prevention
Afsaneh Aminikhah Tayebeh Arefnia

The 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 More

The 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

153 - An Analysis of the Essence of Waiting Bonds in Jurisprudence; their Challenges and Inefficiencies
Manoochehr Ghafoori Mohammad Sadeghi Alireza Rajabzadeh

The 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 More

The 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

154 - Study of Iran's social-Islamic banking with an emphasis on the sociology of money
کرامت الله راسخ mohammad reza Yazdanpanah مجیدرضا کریمی

To 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 More

To 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

155 - Study of Iran's social-Islamic banking with an emphasis on the sociology of money
Mohammadreza Yazdanpanah Keramatollah Rasekh Majidreza Karimi

To 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 More

To 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

156 - Effect of customer attitude in Internet Banking(Case study: Refah Bank Customers)
shadi Adibifard

Introduction: 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 More

Introduction: 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

157 - Investigating the effect of electronic recommendation stimuli on acceptance of banking along with initial trust
Ebrahim Zarepour Nasirabadi alireza youzbashi mina azarbayejani nahid saravi moghadam

Introduction: 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 More

Introduction: 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

158 - Improving the Banks Shareholder Long Term Values by Using Data Envelopment Analysis Model
Mohammad Izadikhah

10.22034/amfa.2018.540829

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159 - Measuring the Efficiency of Financial Cloud Services in the Banking Industry Using the Modified Dynamic DEA with Network Structure: The Case of Iran E-Banking.
Alireza Poordavoodi Mohammad Reza Moazami Goudarzi Hamid Haj Seyyed Javadi Amir Masoud Rahmani

10.22034/amfa.2020.1898567.1416

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160 - Evaluating the Performance of an Ambidextrous Bank Using an Agent-based Modeling Approach: A Case Study of Sepah Bank
Farzaneh Jahanseir Khararoudi Adel Azar Tooraj Karimi

10.22034/amfa.2019.1874765.1269

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161 - Designing A Mixed System of Network DEA for Evaluating the Efficiency of Branches of Commercial Banks in Iran
Sajad Akbari Jafar heydari Mohammadali Keramati Abbas Keramati

10.22034/amfa.2019.582260.1165

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162 - Optimal Banking Performance Model based on ERM
Ali AfruozianAzar nader rezaei Zohreh Hajiha asghar pakmaram

10.22034/amfa.2020.1900625.1435

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163 - Application of Panel Regression Model in Examining the Effect of Monetary Policy on Bank Profitability
Fatemeh Saatichoubar Mohammad Mohebbi Yaghoob Zeraat kish Ebrahim Negahdari

10.22034/amfa.2022.1952584.1700

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164 - Effect of Corporate Governance on Banking Failure
Azam Ahmadyan Mehdi Ghasemi Ali Abadi

10.22034/amfa.2021.1910355.1487

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165 - Efficiency Analysis of Banking Sector in Presence of Undesirable Factors Using Data Envelopment Analysis
Fatemeh Bozorgi Gerdvisheh Mansour Soufi Alireza Amirteimoori Mahdi Homayounfar

10.22034/amfa.2022.1950209.1684

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166 - 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

10.22034/amfa.2021.1931633.1598

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167 - Investigating the Effect of FinTech Implementation Components in the Banking Industry of Iran
Mohammad Gholami Peyman Ghafari Ashtiani Majid Zanjirdar Gholamali Haji

10.22034/amfa.2022.1952853.1704

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168 - Fixed Cost Allocation Based on DEA Cross Efficiency Considering Semi-Additive Production Technology: An Application to Bank Branches
Javad Gerami

10.22034/amfa.2022.1956061.1732

In the real world, situations frequently occur when we want to allocate a fixed cost between a set of decision-making units (DMUs) such as institutions, organizations. In this paper, we use the data envelopment analysis (DEA) technique to allocate fixed costs among DMUs More

In the real world, situations frequently occur when we want to allocate a fixed cost between a set of decision-making units (DMUs) such as institutions, organizations. In this paper, we use the data envelopment analysis (DEA) technique to allocate fixed costs among DMUs. First, we introduce semi-additive production technology in DEA and present efficiency evaluation models in this technology. In estimating the frontier of this technology, in addition to the observed DMUs, the set of all aggregations of these DMUs are also used. In the following, we propose an interactive process for fixed cost allocation between DMUs in DEA based on the concept of cross-efficiency. We show that our proposed iterative approach is always feasible, and ensures that all DMUs become efficient after the fixed cost is allocated as an additional input measure. The cross-efficiency scores corresponding to all DMUs are improved at each stage of the interactive process. We also illustrate the proposed approach with a numerical example. The proposed approaches are demonstrated using an application of the fixed cost allocation problem for branches of commercial banks. Finally, we bring the results of the research. Manuscript profile

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169 - Design and Formulation of Strategic Liquidity Management Strategies in the Banking Industry (Case study: Rafah Bank)
Alirahm Bagheri Azar Moslemi Masoud Taherinia Ebrahim Givaki

10.22034/amfa.2022.1958080.1747

The purpose of this study was to design and formulate strategic liquidity management strategies in the banking industry. In this research, in order to combine qualitative and quantitative data, a sequential integrated exploratory method will be used, according to the cl More

The purpose of this study was to design and formulate strategic liquidity management strategies in the banking industry. In this research, in order to combine qualitative and quantitative data, a sequential integrated exploratory method will be used, according to the classification model with emphasis on qualitative data. Therefore, according to its objectives, the present study is part of applied research and in terms of the research process is part of descriptive and exploratory research that was conducted in two parts: qualitative and quantitative. The statistical population of the present study was the qualitative part of the managers of the Welfare Bank. The sampling method was to achieve theoretical saturation and 25 people were selected as the sample size. Therefore, a survey was used to collect information and according to the data collection, two types of tools were used to review documents, interviews, and questionnaires, and the evaluation method of the questionnaire was performed with a 5-point Likert scale. The Cronbach's alpha questionnaire was used. SWOT analysis was used to analyze the data. The results showed that the Welfare Bank has many opportunities to develop appropriate liquidity management strategies. As it was observed, the chart stretches towards the opportunities and strengths of the offensive situation, which requires strategic planning to use the strengths and opportunities, and 11 strategies were developed for this purpose. Manuscript profile

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170 - Investigating portfolio performance with higher moment considering entropy and rolling window in banking, insurance, and leasing industries
Arash Amini Maryam Khalili Araghi Hashem Nikoomaram

10.22034/amfa.2022.1954904.1720

The optimal portfolio selection is vital for investment. The risk of portfolio Selection and return is the most critical concern of investment companies and private investors. According to modern portfolio theory, diversification should cover the risk. This theory is ba More

The optimal portfolio selection is vital for investment. The risk of portfolio Selection and return is the most critical concern of investment companies and private investors. According to modern portfolio theory, diversification should cover the risk. This theory is based on the normality of assets return. Experimental findings indicate that the assets return non-normality. Higher moments are sed to upgrade traditional models with the primary presumption of a normal distribution in recent years. This study uses a higher moment and the entropy for diversification and selects a portfolio given a non-normality assumption. It is essential to use up-to-date information to increase the model's efficiency, and accordingly, we used the rolling window for new price information. For the financial information method, we use the total index return in the last five working days and weigh the shares of the banking, insurance, and leasing industries on the next working day and evaluate this for three years. Python, math, and NumPy libraries were used to analyze the data. The results show that a much higher moment model can provide better portfolio selection results in most cases. Manuscript profile

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171 - Investigating the role of development banks in fixed investment formation in Iran
Raziye Ahmadi Ghoochan Atigh mohammad hashem botshekan Abbas Memarnejad Jafar Jamali

10.22034/amfa.2022.1964597.1780

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172 - Modelling Robust Optimization in DEA With Ratio Data: A Case Study of Commercial Banks
Javad Gerami

In many practical problems, we face situations where the data ratio is important for the decision-maker (DM). Data envelopment analysis ratio-based (DEA-R) and ratio analysis models are presented to deal with the above issue in data envelopment analysis (DEA). If the da More

In many practical problems, we face situations where the data ratio is important for the decision-maker (DM). Data envelopment analysis ratio-based (DEA-R) and ratio analysis models are presented to deal with the above issue in data envelopment analysis (DEA). If the data is uncertain, it is no longer possible to use the basic DEA-R and ratio analysis models to evaluate the efficiency of decision-making units (DMUs). In this paper, we will first discuss robust optimization modelling based on DEA-R models. In this regard, we consider a case where the inputs have an uncertain numerical value and the outputs have certain values. In the following, we present the ratio analysis model based on the set of common weights of all the ratios of input to output components and obtain this model for robust optimization. To show the validity of the proposed approach, we use it to evaluate the efficiency of 38 excellent banks that compete in the global market and compare the results of the proposed approach in this paper with the results of previous approaches. Manuscript profile

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173 - A Process Model for Implementing Cause-Related Marketing in the Banking System of Iran and Its Outcomes
Ali Valipour Mahmoud Noraei Kamyar Kavosh

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174 - Designing a Native Model for Assessment of the Effectiveness of Advertising
Soheila Shamsadini Farhad Hanifi Vahid Reza Mirabi

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175 - A Systematic Review of Banking Business Models with an Approach to Sustainable Development
Masood Mohammadkhani Ali Divandari Mohammad Talebi Mojtaba Amiri

10.30495/jsm.2020.673642

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176 - Designing, Evaluating and Prioritizing Sepah Bank's Marketing Strategies in the Banking Industry
Hoossein Adelkhani Farideh Haghshenas Kashani

10.30495/jsm.2020.673648

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177 - Open Banking Innovation Model by Digital Transformations Based on Adaptive Neuro Fuzzy Inference System (ANFIS)
Mohammadali Mirfallah Lialestani Abbas khamseh

10.30495/jsm.2021.1925967.1455

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178 - Barriers to the Implementation and Use of Internet Banking in the Keshavarzi Bank
Morteza Gholamian Hossein Hakimpour Azar Kafashpour Mehdi Mahmoudzadeh

10.30495/jsm.2021.1942650.1539

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179 - Predicting Banks' Financial Distress by Data Envelopment Analysis Model and CAMELS Indicators
Abass Paidar Morteza Shafiee Fariborz Avazzadeh Hashem Valipour

10.30495/jsm.2021.1935059.1499

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180 - Future Study of Marketing in the Banking Industry with a focus on Blockchain Technology
Majid Ahmadi Alireza Rousta Mohammad Hasan Maleki Farzad Asayesh

10.30495/jsm.2022.1967454.1687

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181 - Designing a Systemic Model for Promoting the Adoption of Virtual Banking in Iran's Banking Industry
Monireh Akbari Mahdi Mahmoudzadeh Vashan Hossein Hakimpour

10.30495/jsm.2023.1972732.1710

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182 - Designing and Explaining the Model of Brand Experience with the Citizenship Behavior of Customers in the Banking Industry
Mina RezaSoltani Shahrbanoo Gholipour Fereydooni Seyyed Ali Nabavi Chashmi Mojtaba Maleki

10.30495/jsm.2023.1977819.1748

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183 - Profitability and Effectiveness by Means Two Stage DEA Model in Iranian Bank
Morteza Shafiee

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184 - Explaining the categories of support vector machine and neural network for Ranking of bank branches
davod khosroanjom mohamamd elyasi behzad keshanchi Bahare Boobanian shovana abdollahi

There is a lot of information in the banking industry that is of particular importance in identifying it. The use of data mining techniques not only improves quality but also leads to competitive advantages and market positioning. By using data mining and in order to an More

There is a lot of information in the banking industry that is of particular importance in identifying it. The use of data mining techniques not only improves quality but also leads to competitive advantages and market positioning. By using data mining and in order to analyze patterns and trends, banks can predict the accuracy of how bank branches are ranked. In this paper, the branches of one of the large commercial banks (number of selected branches 1825 branches and the number of features used 57 features) were performed on real data using support vector machine categories and multi layer perceptron neural network. The evaluation results related to the support vector machine showed that this classifier has lower efficiency for the proposed method. However, the use of neural networks and its combination with PCA showed that it has high performance criteria. Values related to efficiency and accuracy were obtained using neural network with very high accuracy. Manuscript profile

Open Access Article

185 - Analysis of Uncertainties Affecting the Banking System Performance by Taking Advantage of CAMELS Model and Social Network Analysis (SNA) (Case study: Bank Saderat Iran)
soheila azadeh ahmad aslizadeh morteza khakzar befroei

10.30495/imj.2022.1930548.1616

The performance of the Iranian banking system with a set of challenges takes place in an unstable environment with high uncertainty. The aim of this study is to identify and assess existing and uncertainties affecting the performance of the banking system based on the i More

The performance of the Iranian banking system with a set of challenges takes place in an unstable environment with high uncertainty. The aim of this study is to identify and assess existing and uncertainties affecting the performance of the banking system based on the international indicators of CAMELS to determine the category of critical uncertainties. In this study, an attempt has been made to use a new approach in assessing the uncertainty of the banking system by embedding a social network analysis approach in the KAMELZ performance evaluation model. For this purpose, the future uncertainties of the banking system in terms of the importance of uncertainties in the communication network between them using the SNA social network analysis approach based on the concepts of centrality in the communication network Uncertainties using USINET software It was analyzed and drawn using Net Draw software and critical uncertainties were extracted. Then, the impact of uncertainties on the performance of the banking system is categorized through the Significance-Performance Matrix (IPM). Based on the research findings, the poor economic performance of inflation, exchange rate, tightening of sanctions and increase in financial costs, political instability and its effect on overdue claims of the public and non-governmental sector, digital transformation in the blockchain banking industry and Digital money and government intervention in the allocation of resources and bank management are critical uncertainties for the Iranian banking system Manuscript profile

Open Access Article

186 - Big Data and Its Impact on the Iranian Banking Industry Achieving Competitive Advantage
foad Kouhzadi hossin gharebiglou hossin boudaghi khaje nouber yaghoub alavi matin

10.30495/imj.2022.1937108.1668

AbstractThe increasing volume and complexity of digital data and its role as a tool to support the competitive advantage for banks, has increased the need to use new tools and techniques in data acquisition, analysis and processing, and in this context, access to Data f More

AbstractThe increasing volume and complexity of digital data and its role as a tool to support the competitive advantage for banks, has increased the need to use new tools and techniques in data acquisition, analysis and processing, and in this context, access to Data flow in new financial transactions has become more difficult, and this has doubled the need for bank managers to use the big data strategy to solve financial challenges and take advantage of opportunities to achieve a sustainable competitive advantage. The purpose of this study is to identify the effects of big data strategy on achieving a competitive advantage in the Iranian banking industry. Present the banking industry. The hypotheses of the model were evaluated using the views of the research sample, including CEOs, managers and employees of information and communication technology, managers and marketing staff of 20 banks through a questionnaire, and the results show that banks using macro strategy Data gains a competitive advantage. In addition, ethical issues and customer privacy affect the relationship between big data strategy and gaining a competitive advantage. Manuscript profile

Open Access Article

187 - A Survey on Relationship between Corporate Social Responsibility and Respect for Consumers Rights (Case Study: Banking System in Bukan City)
Loghman Ebrahimi Ahmad Mansori Loghman Rahmani Ahmadabadi

In the current conditions, Compliance environmental, social and moral issues for various organizations is more than a slogan and recommendation and has tended to operation. The concept of social responsibility as one of the responsibilities of organizations finds its pl More

In the current conditions, Compliance environmental, social and moral issues for various organizations is more than a slogan and recommendation and has tended to operation. The concept of social responsibility as one of the responsibilities of organizations finds its place. This concept not as part of the legal responsibilities of organizations now, but as a custom or tradition is Considered. The purpose of this study is Survey relationship between corporate social responsibility and respect for consumer’s rights in Bukan city's banking system. This study based on the purpose of research is the applied research and based on a method of research is a descriptive survey. To test the research hypotheses, a sample 388 people of citizens and a sample 81 staffs of a bank, were selected by simple random sampling. In this study, a questionnaire was used for data collection. The results show that all aspects of social responsibility (economic, legal, ethical and charitable donations) has a positive and significant correlation with consumer rights. The results of the relationship between social responsibility and the rights of the consumer indicate a relatively strong relationship between these two variables.   Manuscript profile

Open Access Article

188 - The analysis of equivalents in the translation of the banking text based on formalist semantics
Mohammad Nasri Heidar Nosratzad Shahram Modares Khiyabani

10.30495/farsij.2023.1963617.1638

This study with application of a mixed-view of translation and linguistics, conducted to analyze the translations of banking texts in the documentary credit section (custom and practices) of international banking by selection of five translated books among which one hun More

This study with application of a mixed-view of translation and linguistics, conducted to analyze the translations of banking texts in the documentary credit section (custom and practices) of international banking by selection of five translated books among which one hundred and seventy sentences were randomly selected. To this end, two perspectives of Newmark translation equivalent finding strategies and structural semantics with a descriptive-analytical method based on library resources were applied in order to analyze and recognize those translation strategies which are most frequently utilized and have prominent role in the correct translation and transmission of meaning in these types of text. Findings of the study indicate that transference and through-translation are the most frequent strategies and others are less likely to occur. Also, recognized translation, translation label, compensation, componential analysis, notes, additions and glosses and cultural strategies (in the specialized section of texts) are not utilized at all. Contrary to the frequency and based on the founded samples: functional, descriptive, componential analysis, notes, additions and glosses and through-translation play a more prominent role in translations of these types of text. Of course, this does not mean that other strategies do not play a role in equivalent selections of such texts, but the appropriate use of other strategies seems to be superficial for translation and transfer of correct meaning in these types of text and each strategy must be used in its proper place. Manuscript profile

Open Access Article

189 - Sociological explanation of the banking industry on the development of the sports industry
reza sadeghpour mohammad reza esmaeili tayyebe zargar

10.30495/kmsj.2023.1986302.1122

The present study aims to identify and understand the sociological phenomenon of the banking industry on the development of the sports industry with a qualitative approach based on the method of basic theory and attempts a paradigm model of the banking industry concept More

The present study aims to identify and understand the sociological phenomenon of the banking industry on the development of the sports industry with a qualitative approach based on the method of basic theory and attempts a paradigm model of the banking industry concept on the development of the sports industry based on mental perceptions and interpretations of actors. To present this concept in the sports and banking community. Participants in this study are 31 bank managers, sports experts who have been selected in person and voluntarily using theoretical and judgmental sampling methods. Using open and semi-structured interviews, research data have been collected based on the three axes of question (what and why and how). A set of primary themes were collected during the open coding process and categories were extracted from their ventricles. Then, in the axial coding stage, the link between the categories under the headings of causal condition, axial phenomenon, strategic category, contextual condition, mediator category and consequence category was set in the form of Corbin Strauss paradigm model. The research results were divided into 7 main categories and 39 subcategories and in the stage of selective coding, the components of the coding paradigm were explained, and the theory was created. The findings showed that whenever the economy and sports interacted with each other with the help of media expansion, the so-called commercialization of sports took a new form; this interaction has mutual benefits for the institution of sports and economy Manuscript profile

Open Access Article

190 - 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 Zakipour

In 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 More

In 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

191 - Providing a Framework to Identify the Drivers Influencing the Future of Innovative Marketing in the Banking Industry with a Focus on Blockchain Technology
Majid Ahmadi Alireza Rousta Mohammad Hassan Maleki Farzad Asayesh

Objective: The purpose of the current research is to Providing a framework to identify the drivers influencing the future of innovative marketing in the banking industry with a focus on blockchain technology. Method: The current research is applied in terms of direction More

Objective: The purpose of the current research is to Providing a framework to identify the drivers influencing the future of innovative marketing in the banking industry with a focus on blockchain technology. Method: The current research is applied in terms of direction and has a mixed methodology due to the use of qualitative and quantitative methods together. The theoretical population of the research was experts in banking marketing and digital financial technologies, and the sampling method was done in a judgmental method. The sample size in this study was equal to 15 people. For data analysis, meta-synthesis, Binominal test and developed Copras were used. The tool of data collection in this research was the questionnaires of expert assessment and priority assessment of Copras. Results: 47 drivers were extracted from the meta-synthesis and these drivers were classified into nine cultural, legal, technological, structural and process, fintech, environmental, customer, security and awareness and information drivers. After the theoretical and statistical screening, 12 drivers were considered for prioritization with the Copras. The remaining drivers were evaluated using the Copras technique and three criteria of importance intensity, degree of certainty and expertise of experts. The results showed that the drivers of marketing researchers' interest in digital financial technologies and blockchain and the development of decentralized banking have the highest priority in terms of influencing the future of innovative marketing in the banking industry with a focus on blockchain technology.Conclusion: Marketing research and financial technology, especially interdisciplinary studies, adjustment and compatibility of marketing methods and strategies in various fields with blockchain technology, investment in fintechs and regulatory improvement and reforming some laws and systems such as reforming the fee and wallet systems, were among the most important practical proposals of the research. Manuscript profile

Open Access Article

192 - Determination of the Interest Rate of Facilities in Islamic Banking (Case Study Agricultural Bank)
Maids Amirpour Sorkhy Azam Rezaeyan Joibary

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Open Access Article

193 - Investigating the Dimensions of the Customer Relationship Model Based on Banking Policies in Maskan Bank
Ali Keshavarz Asadollah Mehrara Mohammad Reza Bagherzadeh Yousef Gholipour

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Open Access Article

194 - Explaining the future scenarios of banking industry brand credit with a future research approach
Hossein Zolfaghardehnavi Mehdi Mohammadzadehvashan Hossein Hakimpour Hamid Rezaeifar

10.30495/qrm.2023.1992177.1034

As the market conditions become more competitive in the banking industry, loyal customers are considered as the main capital. The reputation of the brand and its specialization play a significant role in creating customer loyalty. In this regard, the future research was More

As the market conditions become more competitive in the banking industry, loyal customers are considered as the main capital. The reputation of the brand and its specialization play a significant role in creating customer loyalty. In this regard, the future research was conducted with the aim of identifying and explaining the future scenarios of brand credibility in the banking industry with a quantitative-qualitative combined approach. The methodology governing the research is descriptive-analytical. The required inputs have been collected by library and field methods and have been analyzed using Mic Mac, Scenario Wizard, Vensim and Shannon's entropy model. The results of the research showed that out of the eighteen possible situations related to five scenarios with strong compatibility, the situations that express the future scenarios of the brand credibility of the banking industry on the verge of the crisis include the most possible possible situations. Based on this, the solution of providing financial facilities according to the customer's needs by using up-to-date technologies and deeper knowledge of the customer was recognized as the most appropriate solution from the experts' point of view. Manuscript profile

Open Access Article

195 - From Qujar era financial crises to formation of Iranian banking system
sadegh bafandeh

One of the intellectual Constitutionalists aspirations in the late Qujar era was establishment of national bank of Iran that was sign of modernisation, maybe this aspiration comes from negative role of British and Russian banking in Iran.  The plan of national ban More

One of the intellectual Constitutionalists aspirations in the late Qujar era was establishment of national bank of Iran that was sign of modernisation, maybe this aspiration comes from negative role of British and Russian banking in Iran.  The plan of national bank establishment was presented in the first Constitutional parliament era. But uncooperative royalty members, ministers and merchants for buying stocks, disappointed delegates. Moreover British and Russian governments disagreement was affected this plan and Mohammad Ali Shah coup d'état stopped it. Suggestion of national bank establishment in Iran has been started about 120 years ago, the Nasereddin shah era. In the beginning, Qujar kings did not know the importance of bank, so they gave up this point to British and Russian citizen. Even the right of note publishing allocated to one British Bank. Present paper reviewing Qujar era financial crises and role of foreign banks in Iran, then process of Iranian banking formation and national bank  establishment in 1928 Manuscript profile

Open Access Article

196 - Investigating the Effectiveness Constructs on Digital Technologies Adoption in Banking Systems
Fatemeh Mohamadebrahimzade Sepasgozar Yousef Ramezani sharifeh sargolzaei Samad MohamadebrahimSepasgozar

New 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 More

New 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

197 - 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 Hashemi

Most 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 More

Most 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

198 - Presenting an international entrepreneurship development model based on business model innovation in the banking system (case study in the Export Development Bank of Iran)
amirhossein kordnouri jamshid edalatian shahriari Mohammad Azizi Mohammad Reza Kabaranzadeh Ghadim

This research is aimed at prioritizing the indicators affecting the banking system business model in order to develop international entrepreneurship. In this research, the factors that have been extracted from the qualitative content analysis method and reviewed by the More

This research is aimed at prioritizing the indicators affecting the banking system business model in order to develop international entrepreneurship. In this research, the factors that have been extracted from the qualitative content analysis method and reviewed by the study of banking business models and then modified and selected by obtaining the opinions of banking experts, have been ranked using the best-worst multi indicator decision-making method) BWM). Also, in order to prioritize the factors, seven entrepreneurship affairs have been used, who have been purposefully selected. The result of research, which was done using software LINGO17, shows that, from the 11 main categories, the value offered to the customer and strategy are the most effective, and subsidiary partners and key partners are the least effective factors. According to the results and priorities, managers and decision-makers will be able to create more value in order to develop international entrepreneurship in the banking system and plan to improve the current situation. Manuscript profile

Open Access Article

199 - Dynamic Risk Analysis of Bank service system, Supply Chain Stability Using social Network analysis(SNA) and System Dynamics(SD)
mitra khoshnevis farshad faezy razi kiamars fathi hafshejani

10.22094/jdem.2023.705870

The present research has analyzed the dynamic risks of the stability of the supply chain of banking services using social network analysis (SNA) and system dynamics (SD) in order to policy the stability of the supply chain of banking services. According to the results o More

The present research has analyzed the dynamic risks of the stability of the supply chain of banking services using social network analysis (SNA) and system dynamics (SD) in order to policy the stability of the supply chain of banking services. According to the results of SNA; Corruption risks of receiving facilities, customer dissatisfaction, shareholder dissatisfaction, bank service costs, the cost of establishing a new bank branch, demand for facilities, payment claims to customers and the bank's supervisory weakness as critical risks and risks of paper waste, urban traffic, cyber security, supervisory weakness and Lack of human resources were identified as the most causal risks . Next, the SD model was designed based on the interactions of critical risks and its effects on the stability of the supply chain of banking services using the data of Iran's Mehr Bank. According to the sensitivity analysis, the sustainability policies of the bank service supply chain, including financial, social and environmental sustainability, were identified and the results were compared and analyzed, finally, the selected combined policies included:1-Managing 5% reduction in bank costs through agility processes and expenditure monitoring; 2-Increasing the efficiency of the validation process by 4 times; 3-Increasing the fee income of banking services by increasing the allocation 3 times to the development of electronic banking infrastructure; 4-Implementation of employee empowerment training programs;5-Proportionalization of the number of employees; 6-Increasing electronic services in order to increase access to the bank; 7-Appropriate location of branches and ATMs; 8-Awareness and promotion of electronic services were provided Manuscript profile

Open Access Article

200 - 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 Aligholi

The 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 More

The 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

201 - Designing an Entrepreneurial Training Model to Empower Employees in the Banking System
zahra minafam Mirzahasan Hosseini rasul hosseini hamideh reshadatjoo

10.22094/jdem.2023.705872

The key to changing the present situation in a company is to create new strategies, achieve entrepreneurial opportunities, develop new technologies, capabilities, products and services and introduce new business models. Therefore, this study aimed to design an entrepren More

The key to changing the present situation in a company is to create new strategies, achieve entrepreneurial opportunities, develop new technologies, capabilities, products and services and introduce new business models. Therefore, this study aimed to design an entrepreneurial training model for bank employees in order to empower them. This research is practical research, and the method of data collection is qualitative, with semi-structured interviews and using the content analysis method. Interviews with the participant continued until theoretical saturation was reached. This purpose was achieved through 17 interviews. Participants were selected for the interview via the snowball method, and data analysis was done through 3 coding steps with MAXQDA2020 software. According to research results, entrepreneurial empowerment of employees (knowledge, skills, motivation) can be done through entrepreneurial training. For this purpose, the antecedents include: institutionalizing entrepreneurial culture, institutionalizing entrepreneurship education, new electronic technology, changing business model, developing digital economy, problem- solving, responding to environmental changes and the propellant in entrepreneurial training including: institutional and legislative factors, effective communication with the university, BLOCKCHAIN technology, CRYPTOCURRENCIES, global mega-trends, identify entrepreneurial opportunities, shared economy, privatization, coaching, educational needs assessment, holding seminars, exhibitions. Entrepreneurial employees face a number of factors at both an individual and organizational levels. Furthermore, the implications of entrepreneurial training in empowering employees in the banking system were determined as follows: national and international implications, were identified. Manuscript profile

Open Access Article

202 - Presenting Customer Behavior Model on Acceptance and Use of E-Banking Services by Developing and Analyzing UTAUT Theory
Yasaman Modabbernia Hossein Vazifehdust, Mohamad ali Abdolvand

Nowadays, the banking industry has been forced to change from traditional banking to e-banking due to the developments in information and communication technologies. Therefore, recognizing its needs and behaviors and predicting them to respond in a timely manner can hel More

Nowadays, the banking industry has been forced to change from traditional banking to e-banking due to the developments in information and communication technologies. Therefore, recognizing its needs and behaviors and predicting them to respond in a timely manner can help strengthen and maintain the customer relationship (to become a competitive advantage). But creating customer acceptance of e-banking services is still a challenge for the banking system (which has a direct impact on the profitability of banking activities). Accordingly, the main purpose of this study is to present a model of customer behavior in the acceptance and use of e-banking services. In this cross-sectional study, first, in the qualitative part of the researchers in an exploratory manner, based on a comprehensive model of technology adoption, the experts tried to identify the factors of technology acceptance and its dimensions. After applying the content analysis technique to identify the dimensions and concepts, the relationships between them and the conceptual model were extracted using Maxqda software. In this section, "trust in the bank", "perceived security", "ease of use" as affecting dimensions of "perceived risk" and "perceived desirability", "impact on society", "prior knowledge " as affecting dimensions. Then, in the quantitative part of the model, it was evaluated using the e-banking customer feedback. The results of structural equation modeling analysis through PLS software showed that among the relationships defined, "knowledge" had the least effect and "perceived utility" had the highest effect on "behavioral intentions". "Perceived risk" was defined as an independent variable in this model. Manuscript profile

Open Access Article

203 - Examining the Relationship Between Employees’ Empowerment And Realization of Electronic Banking
morteza Mousakhani hassan Rangriz mohammad amin nayebi mehdi hassan khani

An 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 More

An 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

204 - Social Media and Communicative Marketing Strategies in Modern Banking
Majid Heidari Ali Delavar Seyyed Abdollah Sadjadi Ali Akbar Farhangi Kamran Mohamadkhani

In 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 More

In 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

205 - 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 Gifan

In 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 More

In 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

206 - Reducing the risk of Insolvency and costs in the field of banking with the approach of selecting partners
Moussa Azarbad Amirabbas Shojaie Farshid Abdi Vahidreza Ghezavati kaveh khalili Damqani

Banking is one of the main components of any system and government, and proper management and proper promotion are one of the key factors in the country's economic growth. Banks are exposed to multiple risks as well as lack of control over bank charges; in this regard, More

Banking is one of the main components of any system and government, and proper management and proper promotion are one of the key factors in the country's economic growth. Banks are exposed to multiple risks as well as lack of control over bank charges; in this regard, appropriate strategies have to be adopted to improve banks' performance in this regard. One of these methods is the selection of partners to divide and reduce risk and share costs, so that they can reduce the Insolvency Risk of Banks and reduce the bank's share of cost control and lead to the bank's growth in financing and ultimately, economic growth in the country. In this research, a multi-objective model for selecting partners in the field of banking has been presented and further optimized using a multi-objective genetic algorithm.In this research, a multi-objective model for selecting partners in the field of banking has been presented and further optimized using a multi-objective genetic algorithm. Manuscript profile

Open Access Article

207 - Financial performance of the banking industry method vikor
Farzin Rezaei Hamed Gheibdoust

Evaluation of financial performance is one of the most important issues in banking industry and each bank may be evaluated based on its financial performance. VICOR methodology is a MCDM instrument being used in ranking banks based on multiple financial criteria. It can More

Evaluation of financial performance is one of the most important issues in banking industry and each bank may be evaluated based on its financial performance. VICOR methodology is a MCDM instrument being used in ranking banks based on multiple financial criteria. It can indicate banks with highest and lowest ranks based on different financial criteria. Present research aims to employ VICOR to rank a number of banks listed on Tehran Securities Exchange with respect to their financial performance. In present research 13 banks listed on Tehran Securities Exchange were evaluated based on 12 financial ratios using VICOR method. Results showed that banks Saderat, Tat and Tejarat respectively gained first rank with respect to S, R and Q values and bank Hekmate Iraniaan gained 13th rank with respect to all three indices. Other banks gained intermediate ranks. Manuscript profile

Open Access Article

208 - The Relationship between E-Service Quality and Customer Satisfaction: the Case of Mellat Bank at Lorestan Province
hassan rangriz mohammad jafar mahdian somayeh zare elmi

Following 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 More

Following 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

209 - A Comparative Analysis of Customer Relationship Management (CRM) in Three Iranian Banks Based on Swift Approach
mohsen alvandi mohammad karimi

Meeting 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 More

Meeting 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

210 - Acceptance of Mobile Banking Framework with the Development of Technology Acceptance Model
Mohammad Taleghani Zeinab Haghgoofard

Mobile 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 More

Mobile 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

211 - The Effect of Internet Advertising on Electronic Banking Services
Beitoollah Akbarimogaddam Mahdi Behbodi Farzaneh Jafari

As 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 More

As 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

212 - 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 Elmi

Knowing 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 More

Knowing 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

213 - Effects of relationship marketing bonds on Customer satisfaction and share of customer in banking industry
Gholam Reza Ahmadi Samad Aali

  The purpose of this study is to investigate the effects of relationship marketing bonds, including financial, social and structural bonds on customer satisfaction and share of customer in the banking industry. Agriculture Bank was chosen as case study population More

  The purpose of this study is to investigate the effects of relationship marketing bonds, including financial, social and structural bonds on customer satisfaction and share of customer in the banking industry. Agriculture Bank was chosen as case study population and 389 customers from 12 branches of Agriculture Bank of Tabriz city were chosen as statistical sample of the research and Samples were selected using simple random sampling. this research is causal research in terms of the method and data with questionnaires was analyzed through Partial Least Squares Structural Equation Modeling (SEM-PLS). In SEM at first we examined the measurement, structural and overall fitness then we tested the Hypothesis. The results of the study revealed that there is a significant relationship between relationship marketing bonds ( Social, financial and structural bonds ) and customer satisfaction. Social, financial and structural bonds, respectively had the highest effects on customer satisfaction. Also there was a significant positive relationship between customer satisfaction and customer share Manuscript profile

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214 - 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 Mehrani

The 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 More

The 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

215 - Identify Factors Affecting the Development of Electronic Banking (using the Delphi technique)
Latif Emami Farshid Namamian

The aim of this study was to identify factors affecting the development of electronic banking at National Bank branches in Ilam So better keep pace with the demands of the customers.The method used in this research is qualitative method.The population of the research ma More

The aim of this study was to identify factors affecting the development of electronic banking at National Bank branches in Ilam So better keep pace with the demands of the customers.The method used in this research is qualitative method.The population of the research management and banking experts have estimated that 12 people were selected using a sampling method Hdfmndtdad. The questionnaire (open ended) and variables affecting e-banking and conceptual model are derived using the Delphi technique and include: Ease of use,Beuseful,Customerconfidence,Attitude And Subjective norms. The results showed that Ease of use,Be useful,Customer confidence, Attitude And Subjective norms The growth of e-banking subsidiaries of the National Bank of Ilam province have an impact on customers. Manuscript profile

Open Access Article

216 - Enhanced Prudential Standards Under Basel Iii: What Consequences For The Profitability Of Banks
Selma Haj Khlifa Amal Zaki

10.22094/joie.2020.677810

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Open Access Article

217 - A Multi Objective Optimization Approach for Resources Procurement of Bank
amir mohammad-zadeh naser hamidi mohammad amin nayebi yusof ebrahimi-sajas

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Open Access Article

218 - Presenting a Model of Customer Experience Management in Mobile Banking Industry for Commercial Banks Customers in Dubai
Maryam Abadi Hamidreza Saeednia Abbas Khorshidi

10.22094/joie.2021.678825

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Open Access Article

219 - Etiology of banking crimes and preventive social and jurisprudential strategies
hoseein Beigi Jamal Beigi fatemeh ahadi

10.3495/jiil.2022.1945831.1616

Due to inflation and sanctions, as well as people's dependence on banks, the issue of banking crime policy-making and strategies to prevent and combat those crimes has been of particular importance in the international and domestic dimensions, to the extent that the Fin More

Due to inflation and sanctions, as well as people's dependence on banks, the issue of banking crime policy-making and strategies to prevent and combat those crimes has been of particular importance in the international and domestic dimensions, to the extent that the Financial Action Task Force and even banks International Settlements, in accordance with these standards, rank banks and their respective styles in countries. Therefore, the purpose of this study is to study the etiology of banking crimes and to provide social and jurisprudential preventive solutions. The main question that the present study seeks to answer is what are the causes of banking crimes and what are the preventive social and jurisprudential solutions in this regard? The research method in this article is descriptive-analytical and is written based on documents and library resources. In this regard, the causes of bank crimes, rooting out and preventive social and jurisprudential strategies have been investigated. The findings of the study indicate that some environmental and social factors are involved in the occurrence of banking crimes and criminal policy with a focus on criminalization to eliminate the roots of banking crimes is not useful and instead community-based and growth-oriented social prevention strategies and the same Preventive jurisprudential solutions such as increasing resurrection, belief in God and holding congregational prayers, as well as teaching jurisprudential and religious rules to banking network personnel, adapting banking to Islamic jurisprudence and adding a religious supervisor to the country's banking structure are beneficial. Manuscript profile

Open Access Article

220 - Study of the Impact of Banking System on Iran's Economic Stability
Mohammad Reza Tavangar ahmad azin Masoud Jafari Nejad

This 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 More

This 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

221 - Nullity of Liability Condition in Limited Partnership Contract in Islamic Banking
Sadiq Elham hosseinali saadi hamid assadi

One of the bank contracts which is significant in both allocation and equipping of sources is limited partnership contract. The agent in this contract is considered as trustee and his claim on termination of stock without being excess or negligent is accepted. He would More

One of the bank contracts which is significant in both allocation and equipping of sources is limited partnership contract. The agent in this contract is considered as trustee and his claim on termination of stock without being excess or negligent is accepted. He would be agentâ€˜s associate in both benefits and losses. Therefore this contract wonâ€™t have an economic justification in banking operations, so in order to keep limited partnership contract in banking contracts and also put the liability of stock on the agent, the Islamic researchers have suggested some solutions like condition of liability to be brought as an implicit alternative contract. However, two aspects are to be considered for validity of condition of liability first, it should not be against the exigency of the contract of liability and second it should not be opposing with Quran and narrations. Although some are arguing about the nullity of condition of liability if it is against the exigency of contract, we will try to review and discuss about that theory based on narrations and approaches of lawyers and Islamic scholars and finally we would suggest a new theory which is called â€œdisaccord of condition of liability with Quran in limited partnership contractâ€. Manuscript profile

Open Access Article

222 - Jurisprudential and legal study of the conformity between bank deposits and Islamic contracts
Ali Basiri Akbar Fallah Mohammadali Kheyrollahi

The 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 More

The 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

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223 - Shortcomings of Islamic Banking Implementation in Iran in the Light of Jurisprudential Teaching and Research Requirements
Mohammad Rasoul Ahangaran

10.22034/ijrj.2019.669367

The necessity of Islamic banking is clear to all today, because the impact and the role of banks are so significant in economic aspects and indeed sometimes it leads to economic behavior of the mass to become truly religious; then, they require banks to perform accordin More

The necessity of Islamic banking is clear to all today, because the impact and the role of banks are so significant in economic aspects and indeed sometimes it leads to economic behavior of the mass to become truly religious; then, they require banks to perform according to religion and jurisprudential legislation. While the attempts in this regard are considerable and worthy of appreciation, they come across challenges in terms of the education of jurisprudential rules and issues such as superficiality of teachings, lack of attempt to make teachings inclusive, personalization behavior, and the lack of a robust basis upon strong and integrated thinking and philosophical pillars. Sometimes, during a time span, the enthusiasm in implementing Islamic banking is completely tangible, while some other times, there is no attempt. Investment in relevant studies also follows the same path; sometimes a bulk of fund is allocated for such studies and some other times the fund reaches the least possible amount. As a result, teaching jurisprudential issues deeply and inclusively, in addition to emphasizing the research must stand upon a fixed and unchanged foundation, and follow an ascending and continuous line. Only in such conditions, along with solving other problems, it is hopeful that Islamic economy is executed in the manner that bank contracts do not solely remain in the formal mode any more. Manuscript profile

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224 - Jealeh in Islamic Banking System
maryam Naghdi dourabati

Human being enjoy all divine rights after birth. Everybody is deserved to enjoy these rights including civil and natural rights which described in Islam. Civil relationships of human being involve emotional, social and economic, relations. In Islamic banking  ,eco More

Human being enjoy all divine rights after birth. Everybody is deserved to enjoy these rights including civil and natural rights which described in Islam. Civil relationships of human being involve emotional, social and economic, relations. In Islamic banking  ,economic relationships of people are based on Islamic contracts. One of these mutual economic relationships between people in one side and banks in the other is "Jealeh". Loans are given to people in banks under the title of Islamic contracts which one of them is Jealeh. Jealeh is a judicial deal which is known in Iranian civil code as a definite contract. It is regarded as a way of giving loan in usury-free banking law of Islamic parliament. According to the third chapter of the above-mentioned law and the practical instruction of Jealeh clarified by the council of money and credit, the author presents its precepts. Manuscript profile

Open Access Article

225 - Designing a Model of Supply Chain Resilience in Iranian Banking Industry
Maghsood Amiri Zahra Hasani Farhad Hadinejad

10.30495/qjopm.2021.1870113.2495

The expansion and complexity of supply chain relationships and inevitable risks in the banking industry make it necessary to examine the resonance in the supply chain of banks. Various supply chain management approaches or strategies, including resilience, seek to incre More

The expansion and complexity of supply chain relationships and inevitable risks in the banking industry make it necessary to examine the resonance in the supply chain of banks. Various supply chain management approaches or strategies, including resilience, seek to increase the flexibility and develop the ability of the supply chain to respond quickly to changes in the customer demand. Bank managers can increase sustainability and profitability, and finally can maintain competitiveness in the banking industry, with an innovative action like designing resilience supply chain. The purpose of this research was to identify dimensions, components, and indicators of resilience and ultimately design a model for assessing resilience in the banking industry. The statistical population of the present research included the experts in the state banks in Tehran. 50 participants were selected using cluster and judgmental sampling. The designed model was investigated using confirmatory factor analysis and structural equations modeling. The results of the research indicate that the proposed model is significant for building a resilient supply chain in the banking industry.   Manuscript profile

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226 - A Human Resource Risk Management Model in Investment Banking Companies
Azim Sabet Vajhollah Ghorbanizadeh Ahmad Vedadi

10.30495/qjopm.2020.1909722.2948

Human 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 More

Human 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

227 - Presenting a model of the Impact of Economic Variables on the Total Productivity Index in Iran
Ali SHAHINPOUR Kerem Karabulut

10.30495/qjopm.2021.1864110.2393

Productivity 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 More

Productivity 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

228 - Evaluation of the Effects of Satisfaction and Website Usability in Developing Customer Loyalty, Efficiency, and Positive Word-of-mouth in the e-banking Services (Case Study: Tejarat Banks)
Razye Samadi pour Ali Khoshakhlag Hadirezgi Shirsavar

This study attempts to investigate the influence of satisfaction               and usability of the website on productivity and positive oral statements of e-bank customers. The data were gathered fro More

This study attempts to investigate the influence of satisfaction               and usability of the website on productivity and positive oral statements of e-bank customers. The data were gathered from the survey of 384 customers using e-commerce database, and for evaluating the effect of satisfaction and usability of the website on productivity and positive oral statements, hierarchical multivariable regression analysis (HMRA) was used through Lisrel software. The results of the study showed that the use of website has a direct impact on customer satisfaction in electronic banking business. Also customer satisfaction leads to productivity, and productivity results in positive oral statements made in e-banking business. Finally, customer satisfaction has a direct impact on positive oral statements and e-banking business productivity Manuscript profile

Open Access Article

229 - Investigation the Influence of Lean on Information Technology Productivity in the Iranian banking Industry
Roghayeh yonnesi Roksana Fekri Marzieh Babaeianpour

The information technology often have delays since they have been established in the organizations, and reduce the prioritization and decision making methods, also it is a barrier to the best benefits of productivity in this domain. On the other hand, the lean philosoph More

The information technology often have delays since they have been established in the organizations, and reduce the prioritization and decision making methods, also it is a barrier to the best benefits of productivity in this domain. On the other hand, the lean philosophy is a useful attitude to minimize the loss and maximize the productivity of facilities, human resources and investment. Using the lean theory in information technology systems, the wastage will be deceased and productivity will be promoted. This study investigated the role of the effective factors in being lean on IT productivity in banking domain. The research method was descriptive-survey. The statistical population included the experts in banking domain in Iranian banking industry which included 260 people, out of which 156 people were chosen as the sample size, using Morgan’s table. Using confirmatory factor analysis, the results showed that the factors had a positive effect on promoting the trend of being lean. The most effective factors were the proper designing of information processes of IT. Manuscript profile

Open Access Article

230 - Identifying Factors Effective on the Customer Tendency to Use Electronic Banking Services
Shahram Gilaninia Seyed Javad Mousavian

Today, 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 More

Today, 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

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231 - 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 Hajkarimi

The 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 More

The 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

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232 - Electronic Banking and the Application of Bank Cards in Bank Performance Improving
Rasool Baradaran Hasanzadeh Nasser Pour Sadeg Leila Shakouri Maleki

This 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 More

This 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

233 - 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

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234 - 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

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235 - Investigating the Effective Factors on Mobile Bank Acceptance in Parsian Bank Customers in Arak City
P. Ghaffari Ashtiyani M. Panahi Vanani R. Shaabani

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236 - ارزیابی تاثیر کیفیت درک شده از خدمات بانکداری الکترونیک بر رضایت و تعهد مشتریان بانک صادرات استان تهران
شادان وهاب زاده سانیا محمودکلائی

این 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 More

این 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

237 - 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 roshan

10.30495/eco.2020.672520

The 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 More

The 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

238 - 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 Takanlou

10.30495/eco.2023.1993582.2778

The 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 More

The 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

239 - Identifying and Determining Factors Affecting the Resilience of the Iranian Banking System
Azadeh Afshari Sara Ghobadi Hosein Sharifi Renani

10.30495/eco.2023.1982528.2739

According 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 More

According 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

240 - Identification and Prediction of Banking Crisis in Iran
Z. Zarei A. Komijani

Abstract This study uses the early warning system approach to predict banking crisis in Iran during 1990Q1– 2013Q4. To achieve the goal, Money Market Pressure index approach will be used by Markov Switching Model. The results indicate that, although, based on gov More

Abstract This study uses the early warning system approach to predict banking crisis in Iran during 1990Q1– 2013Q4. To achieve the goal, Money Market Pressure index approach will be used by Markov Switching Model. The results indicate that, although, based on governmental supporting, the banking section in Iran has never encountered the phenomena such as bank run and bankruptcy, but it has also experienced banking crisis. Likewise, the assessment of probit model suggests that some indexes are leading banking crisis probability. These indicators include the variables of real exchange rate growth, the growth rate of credit endowed to private sector, real GDP, housing price, and real interest rate. Furthermore, the measures of expectation-prediction represent that the model developed has considerable potential to predict in sample banking crisis. Also, this model is unsuccessful in the prediction of the crisis in only 12 percent, but capable of predicting crisis in 77 percent of cases, where the crisis has occurred with probability of more than 40 percent. Manuscript profile

Open Access Article

241 - Parametric Investigation of Lerner Index in the Bank Deposits and Loan Market Using the Translog Cost Function
mahdi moradi Farhad Khodadad Kashi Jahangir Biabani Hadi Ghafari

The aim of this paper is to investigate the monopolistic power of Iran’s banking industry by parametric approach. For this purpose, the Lerner index was calculated in the bank deposits and loan markets using the Translog stochastic frontier cost function and using More

The aim of this paper is to investigate the monopolistic power of Iran’s banking industry by parametric approach. For this purpose, the Lerner index was calculated in the bank deposits and loan markets using the Translog stochastic frontier cost function and using banking data including balance sheet and profit and loss statement of 33 banks during 2001-2014. The results showed that monopolistic power of banking industry in the loan market has decreased over time and competitive conditions somewhat have been improved, so that the Lerner index for loan market in 1380 has been decreased from 0.77 to 0.54 in 1393. However, the gap between price and marginal cost is rather high level. Also, the Lerner index of deposit market has been fluctuated between 0.5 and 0.33. Manuscript profile

Open Access Article

242 - Non-Interest Income, Profitability and Risk in Banking Industry
Amir Ali Farhang Abolghasem Esna Ashari Asghar Abolhasani Mohammad Reza Ranjbar Fallah Jahangir Biabani

The aim of this study is evaluating the effect of non-interest income on the risk and profitability of the banking industry by using systematic GMM during 1384 to 1393. The findings show that the increase of non-interest income results in the increase of profitability a More

The aim of this study is evaluating the effect of non-interest income on the risk and profitability of the banking industry by using systematic GMM during 1384 to 1393. The findings show that the increase of non-interest income results in the increase of profitability and the decrease of risk in Iran's banking system and there is a significant positive relationship between the concentration index and bank risk in such a way that the increase of concentration index results in increase of banks' risks. On the base of the research results and current problems of Iran's banking system, paying attention to banks' money making ability through non-interest income can be considered as a major solution. Manuscript profile

Open Access Article

243 - Designing an Optimal Resource Allocation Model in Iran's Banking System
ali asghar movahed asghar abolhasani mohamad hosin porkazemi yeghane mosavi jahromi

The 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 More

The 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

244 - The Effect of E-Commerce on CRM in the Banking Industry (Case Study: The Western District of Pasargad Bank in Tehran)
Vadood Javan Amani, Hamid Akbari

In today's competitive environment of commercial companies, business in the traditional way no longer meets the needs and e-commerce has been proposed as one of the marketing strategies of organizations. On the other hand, customer relationship management is one of the More

In today's competitive environment of commercial companies, business in the traditional way no longer meets the needs and e-commerce has been proposed as one of the marketing strategies of organizations. On the other hand, customer relationship management is one of the strategic necessities in all organizations, the effective implementation of which can increase customer satisfaction, loyalty, attract them and thus increase sales and repeat purchases. The purpose of this study is to investigate the effect of e-commerce on customer relationship management in Pasargad Bank in the west of Tehran. For this purpose, this research has been done by hypothesis design and descriptive-survey method. The statistical population of the present study includes all customers of Pasargad Bank in the western part of Tehran. In this research, the obtained data have been analyzed using PLS software. In the analysis, first the model was reviewed and all model fit indices were reported to the desired level, then according to the path coefficients, the research hypotheses were examined and based on the results, all research hypotheses were confirmed. The research findings showed that it is very important for banks to be equipped with electronic banking in order to implement customer relationship management properly and Pasargad Bank managers are advised to properly implement customer relationship management programs and also attract customers. Increase most of your e-banking services as much as possible. Manuscript profile

Open Access Article

245 - Comparing the situation of Islamic banking in iran with selected countries of the lslamic world
jalal yousefi parviz saeidi Maryam Bokharaeian khorasani Jamadordi Gorganli Doji

The 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 More

The 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

246 - A Comparative Study of Cryptocurrencies from Perspectives of the Contract Law and Banking Law
alireza mohamad zade Asghar Mahmoudi Ebrahim Taghizadeh Hassan Khosravi

10.30495/cyberlaw.2023.706886

The current article revolves around the comparative study of the cryptocurrencies from the perspectives of the contract law and banking law by examining the basics of contract law and banking law and taking into account the validity and credibility of the Cryptocurrenci More

The current article revolves around the comparative study of the cryptocurrencies from the perspectives of the contract law and banking law by examining the basics of contract law and banking law and taking into account the validity and credibility of the Cryptocurrencies Code in Iran.  What present paper is in pursuit of is seeking the application of crypto currencies and their validity in contract law and banking law while taking an effective step in acknowledging the rights to deploy the Cryptocurrencies Code in Iranian trade by elaborating on its dimensions. The results reveal that in Iran,  the only law that has been approved on the use cryptocurrency is the approval of the Cabinet dated 06/05/2017 which is in reality based on the Principle 138 of the Constitution of the Islamic Republic of Iran regulated in 6 Articles and 7 Notes. From the perspective of contract law, citing Articles 1 and 2 of the above decree, it can be stated that the use of cryptocurrencies, which is done only by accepting responsibility for risk by traders, is not subject to the support and guarantee of the government and the banking system, and that its use is not permitted in domestic transactions. It needs mentioning that under the mentioned content, the only exception is the case of extracting encrypted processing products whereby mining has been allowed with the permission of the Ministry of Industry, Mines and Trade. In banking law, the use of the cryptocurrencies and the amount of its supply is done solely by the Central Bank of Iran and are totally subject to the laws and regulations of the Islamic Republic of Iran. Manuscript profile

Open Access Article

247 - Investigating the relationship between corporate payment services and credit risk in corporate banking
Mohammad Hossein Salehi parviz saeidi Maryam Bokharayan

AbstractThe 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 More

AbstractThe 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

248 - 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 mirabi

The 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 More

The 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

249 - Designing and explaining intelligent marketing based on the Internet of Things in the banking industry using the cognitive mapping method
Seyed Mohammad Sadegh Shoaee Astaneh amir rahimpour Ali Hoseinzadeh

The implementation of technological innovations in marketing activities has always had a significant impact on the competitive advantage and performance of businesses. Innovative marketing applications can not only help organizations achieve and maintain their competiti More

The implementation of technological innovations in marketing activities has always had a significant impact on the competitive advantage and performance of businesses. Innovative marketing applications can not only help organizations achieve and maintain their competitive advantage but also assist them during economic crises. This mixed-method research is practical and based on a survey approach. The statistical population of the study consists of experts and specialists in the field of smart marketing and the Internet of Things (IoT). In the qualitative section of the study, 21 university professors in the fields of business management and information technology, as well as senior bank managers, participated. In the quantitative section, 12 experts were involved. In this research, MAXQDA software was used to analyze the qualitative part, as well as FCMapper and Pajek software to analyze the quantitative part of the research.The findings of this study indicate the identification of 17 main factors and 91 effective components in IoT-based smart marketing. Furthermore, the study used the cognitive map method to examine the relationships between the components. The results show that the consideration of consequences is the most central factor with a centrality value of 6.19 Moreover, the consideration of consequences has the highest impact, and the business model components have the most influence among the criteria. Manuscript profile

Open Access Article

250 - Enhancing Cooperation: A Futuristic ANFIS Model for Anticipating Strategic Alliances between Fintech Start-ups and the Banking Sector.
Arash Onsori Abbas Khamseh Taghi Torabi Hamidreza yazdani

10.30495/fomj.2023.1992973.1107

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Open Access Article

251 - رویکرد DEA-TOPSIS برای تجزیه و تحلیل عملکرد مالی بانک های بخش دولتی هند
hari Tata vijaya nimmagadda

توسعه 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 More

توسعه 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

252 - تجزیه و تحلیل عوامل موثر بر پذیرش مشتریان از خدمات بانکداری اینترنتی با استفاده از نظریه گراف
Ali Sharifi Mahdi Homayounfar

توسعه 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 More

توسعه 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

253 - ارزیابی علمکرد شعبات بانک با استفاده از روش dea و رگرسیون tobit: مورد مطالعاتی شعبات بانک کشاورزی استان گیلان
حمیدرضا علیپور غلامرضا محفوظی محسن شفیعیان شیوا رضاییان

در این مطالعه سعی کردیم تا با استفاده از روش تحلیل پوششی داده ها (DEA) به بررسی میزان کارایی‌های فنی، فنی خالص و مقیاس در 12 شعبه‌ی (شعبات سرپرستی) بانک‌ کشاورزی در استان گیلان در دورة زمانی 2012 تا 2016 بپردازیم. نتایج اولیه حکایت از آن دارد که که در دورة موردمطالعه، س More

در این مطالعه سعی کردیم تا با استفاده از روش تحلیل پوششی داده ها (DEA) به بررسی میزان کارایی‌های فنی، فنی خالص و مقیاس در 12 شعبه‌ی (شعبات سرپرستی) بانک‌ کشاورزی در استان گیلان در دورة زمانی 2012 تا 2016 بپردازیم. نتایج اولیه حکایت از آن دارد که که در دورة موردمطالعه، سهم عدم‌کارایی مقیاس در عدم‌کارایی فنی کل بیش از عدم‌کارایی فنی خالص بود. نتایج مربوط به بازدهی به مقیاس حاکی از آن است که بازدهی کاهشی نسبت به مقیاس مهمترین شکل عدم‌کارایی مقیاس است. در ادامه رگرسیون مقادیر کارایی فنی کل حاصل از روش DEA ، نسبت به چهار عامل مؤثر بر کارایی بانک (شامل اندازة بانک، سودآوری ، کفایت سرمایه و نقدینگی ) توسط روش Tobit تحلیل شد. چهار متغیر موردبررسی تأثیرات متفاوتی بر کارایی داشتند. اندازة شعب ارتباط غیرمعنی‌دار و منفی با کارایی فنی دارد و بنابراین، تأثیری بر کارایی ندارد. سودآوری مهمترین پارامتر در کارایی شعب بود و بعد از آن، نقدینگی شعب در مقام بعدی قرار داشت. سودآوری و نقدینگی شعب تأثیرات مثبت معنی‌دار بر کارایی دارند. به عبارت دیگر، شعبات بزرگتر و سودآورتر کارایی فنی بالاتری دارند Manuscript profile

Open Access Article

254 - Biometric Authentication of Fingerprint for Banking Users, Using Stream Cipher Algorithm
Ali AliBabaee Ali Broumandnia

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Open Access Article

255 - Studying and determining the trust, security, ease of use and perceived usefulness in accepting Internet banking
Somayeh Purbabadi mohamad tamimi

Today, 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 More

Today, 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

256 - Open Innovation Model for Small and Medium Enterprises Based on a Social Interaction Level Approach with Intermediary (Case study: Banking ICT SMEs)
alireza ahari laheq Ali badizadeh Ali davari javad mehrabi

Open innovation purposeful use of input and output flows of knowledge with inside and outside of the organization, on the one hand, accelerates and develops innovation in small and medium-sized enterprises to provide new products and services using external ideas, and o More

Open innovation purposeful use of input and output flows of knowledge with inside and outside of the organization, on the one hand, accelerates and develops innovation in small and medium-sized enterprises to provide new products and services using external ideas, and on the other hand, develops The commercialization of internal ideas is outside the organization. Evidence suggests that the adoption of an open innovation approach in the banking ICT small and medium-sized Enterprises in collaboration with the open innovation Intermediary, has accelerated and improved the innovation process in this industry and has brought open banking development. According to studies and reviews of existing papers on the collaboration between small and medium-sized Enterprises with the open innovation Intermediary, how the cooperation mechanism is appropriate to the level of social interactions (the mechanism for identifying and choosing an open innovation interface as well as the mechanism for building trust with The open innovation Intermediary has not been addressed. Therefore, in this research, it has been tried to provide an innovative innovation model in the small and medium Enterprises with the Intermediary, how the mechanism of cooperation with the Intermediary is proportional to the level of social interactions Check in. Hence, by adopting a qualitative approach, interviews with Managers of ICT Banking small and medium-sized Enterprises and representatives of the governance, Privide a model in this Specially presented. This study led to the identification of actors, including small and medium-sized Enterprises, the Intermediary, and the legislature, which, with the adoption of a strategy by small and medium-sized enterprises, has resulted in specific outcomes for small and medium-sized Enterprises cooperating with Intermediary. Manuscript profile

Open Access Article

257 - Development of Banking Intelligence to Improve the Financial Performance of Banks in Emerging Markets (Case Study: Banking System)
Hamidreza Alipour kasra Rashid Ardeh

Innovation in the banking industry will lead to the development and agility of this industry.As financial markets are evolving and constantly evolving with the growth of technology and based on the age of information and communication, we have to transform banking intel More

Innovation in the banking industry will lead to the development and agility of this industry.As financial markets are evolving and constantly evolving with the growth of technology and based on the age of information and communication, we have to transform banking intelligence to better adapt to such markets.However, this research was compiled with the aim of investigating the solutions for the development of banking intelligence in improving the financial performance of banks.This research is "descriptive-survey"in terms of method and"applied" in terms of purpose.The statistical population is 850 employees of National Bank of Gilan province.The samples were selected by non-random sampling of the available type, according to Morgan's table, 170 people were selected.A researcher-made questionnaire based on the Likert scale was used to collect data. Based on the results of factor analysis, three main factors were selected, the first factor explains 56.107% of the total variance and contains 11 research items and is more important in improving the bank's performance.The second factor explains 7.425% of the total variance and the 7 items located in it are of secondary importance.The third factor explains only 5.970% of the total variance and the 4 items included in it are less important than the other items. According to the study conducted in the field of development of banking intelligence, in order to improve the performance of banks, basic attention should be paid to "regulatory, neobank and recommender system, risk management, campaign design to increase customer interaction and improve banking efficiency in stabilizing the bank's position". Manuscript profile

Open Access Article

258 - Identifying and prioritizing the dimensions and components of training and development of Knowledge-based human resources training and development strategy in the banking industry in the digital age (case study: Bank Mellat)
fereshteh eftekharnejad Majid Jahangirfard ali mehdizadeh ashrafi torag mojibi

With rapid environmental change, the emergence and complexity of new jobs and tasks, and competition in today's rapidly changing business environment to meet customer needs, the role of education and change in knowledge, skills, abilities and behavior of staff is tangib More

With rapid environmental change, the emergence and complexity of new jobs and tasks, and competition in today's rapidly changing business environment to meet customer needs, the role of education and change in knowledge, skills, abilities and behavior of staff is tangible. Implementation of training and development of human resources causes people to be able to effectively continue their activities in accordance with organizational and environmental changes and increase their efficiency.The present study aimed to identify and explain the components and indicators of training and development of Knowledge-based human resources training and development strategy in the banking industry in the public sector. First, using theoretical literature the components of training and development strategy and knowledge management were extracted extracted, and in the next part, through Delphi method and interviews with 15 human resource management experts in Bank Mellat, using a semi-structured questionnaire , components and indicators of Knowledge-based staffing strategy were determined. After designing the pairwise comparison questionnaire, the opinions of human resources experts were collected and the components and indicators were weighted and ranked. According to the research findings, To successfully implement knowledge management in the training and development strategy in the field of human resources must be in five areas : Determining educational needs, determining the goals of education and human resource development, determining the content of courses, applying the principles and foundations of learning,Implementation and evaluation ;paid attention to a total of 24 indicators in the fields of structure, value and behavior in knowledge management. Manuscript profile

Open Access Article

259 - A survey on organizational justice according to work groups (study case:state bank)
golnaz Mehdi Asri Hossein Safarzadeh Mohammad Reza rabiee mandejin

The current research was conducted with the aim of investigating the status of organizational justice. Due to the nature of the data, the current research is a survey type in terms of the implementation method. The statistical population includes all managers and expert More

The current research was conducted with the aim of investigating the status of organizational justice. Due to the nature of the data, the current research is a survey type in terms of the implementation method. The statistical population includes all managers and experts working in the state bank and the sample size was 120 according to Morgan's table, which were selected by stratified sampling. The data collection method was a researcher-made questionnaire, which was used to check face validity and Cronbach's alpha coefficient was used to check reliability. SPSS and AMOS software were used for data analysis. The results showed that the level of organizational justice is low at the average level, the highest level of justice perception is related to the procedural dimension and the lowest level is related to the informational justice dimension. Also, the results showed that the strongest relationship is between "interactive and informational justice" and the conceptual model of organizational justice has a model fit.the highest factor loading among all indicators is related to “the fairness of the compensation method” and in all dimensions managers had a better evaluation than experts. Manuscript profile

Open Access Article

260 - Modeling e-Customer Relationship Management, Case Study: Banking Systems
Kamran Yeganegi Maryam Ebrahimi

10.30495/msds.2022.1949842.1032

The purpose of this study was to model and simulate the effect of electronic customer relationship management (E-CRM) on bank customer loyalty using systems dynamics methodology (SDM). E-CRM is one of the first strategic initiatives in today's industry that is becoming More

The purpose of this study was to model and simulate the effect of electronic customer relationship management (E-CRM) on bank customer loyalty using systems dynamics methodology (SDM). E-CRM is one of the first strategic initiatives in today's industry that is becoming the main paradigm of relationship marketing in the e-world. The research method was descriptive and analytical, and the research environment has been one of the semi-public banks. In this paper, after studying E-CRM and customer loyalty and identifying their indicators, the problem boundary was determined by the SDM; E-CRM includes e-banking, customer support, security, surplus services, and related disruptions. Moreover, after a semi-structured Delphi interview, the status quo data and the desired conditions were determined. In this approach, combinations of diagrams, graphs and equations, models, causal loop diagrams and dynamic models were constructed and how variables change over time were represented. Finally, validation and simulation were performed by Vensim software and the results were presented. Findings indicated that with the improvement of each of the factors of E-CRM, customer loyalty also increases. Manuscript profile

Open Access Article

261 - The Effect of Using Organizational Application Systems in Creating Alignment of Bank Services with Information Technology in the Banking Management System of Saderat Banks
Rasoul Ranjbarian Mohammadreza Bahrami

10.30495/msds.2022.1960338.1053

The aim of this study was to determine the effect of using supply chain management systems, supplier relations management, and resource planning on information technology in the banking management system (Case study: Bank Saderat of West Azerbaijan Province). The presen More

The aim of this study was to determine the effect of using supply chain management systems, supplier relations management, and resource planning on information technology in the banking management system (Case study: Bank Saderat of West Azerbaijan Province). The present study is applied in terms of purpose and descriptive and correlational in terms of data collection and based on structural equation modeling. The statistical population including senior managers, heads and managers of branches, heads of departments and banking services, and bankers of Bank Saderat of West Azerbaijan Province was 175 and the sample size was 120 based on Cochran's formula and was selected by stratified random sampling. Necessary data were obtained by field method and with the distribution of a questionnaire to test the hypotheses, structural equation modeling (SEM) through partial least squares (PLS) was used. The formal and content method was used to determine the validity of the questionnaire and Cronbach's alpha test was used to determine the reliability of the questionnaire, the results showed that this study has high validity and reliability. The research findings showed that the value of the t statistic whose value (t ‐value = 13.35) which is greater than 1.96 is at 95% level and according to the path coefficient (0.438) the effect of using organizational application systems It is a positive and significant in creating alignment of bank services on information technology in the banking management system. The main hypothesis test showed that the use of organizational application systems effectively aligns bank services with information technology in the banking management system of Bank Saderat in West Azerbaijan Province.     Manuscript profile

Open Access Article

262 - Identification and Ranking of Factors Affecting the Growth and Development of the Market Share of Refah Kargaran Bank
Abd Reza Amiri Mohammad Haghighi Ali Pirzad Abdolkhalegh Gholimi Chenarestan Oulia

10.30495/msds.2023.1996550.1163

This research has been done to identify and rank factors affecting the growth and development of the market share of Refah Kargaran Bank. The current research is a mixed type of research in terms of its applied-developmental goal and terms of its implementation. The sta More

This research has been done to identify and rank factors affecting the growth and development of the market share of Refah Kargaran Bank. The current research is a mixed type of research in terms of its applied-developmental goal and terms of its implementation. The statistical population in the qualitative part of this research includes 50 managers of Refah Kargaran Bank branches in Fars and Bushehr provinces. A statistical sample consisting of 25 branch managers was selected using the snowball method. The statistical population in the quantitative section includes 600 middle-level employees and managers of Fars and Bushehr Refah Kargaran Bank, among whom 234 people were selected as a sample by simple random method. To analyze quantitative data in this research, descriptive and inferential statistics have been used. The findings of the theme analysis using the TOPSIS model showed that the use of customer relationship management policies (needs assessment, responsiveness, satisfaction, and loyalty) with a coefficient of 0.842 had the greatest impact on increasing the market share of Refah Bank, and the support and facilitation services of Refah Bank. Workers with a proximity coefficient of 0.444 are in the last place. The path analysis findings showed that the variables of attracting customers with a rate of 0.504 and electronic banking with a rate of 0.449 had the greatest impact on the development of the market share of Refah Kargaran Bank. According to the investigations carried out about the planning process to increase the productivity of the Refah Kargaran Bank in a competitive environment, weaknesses and threats have the highest coefficients of 9.41 and 8.36, and strengths and opportunities have the lowest coefficients of 7.13 and 6.54. Strategies have been presented in this regard. Manuscript profile

Open Access Article

263 - Interpretive Structural Modeling (ISM) of Intellectual Capital Components
Mohammad Saleh Owlia Kosar Roshani Mohammad Hossein Abooei

10.30495/jiei.2020.678786

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Open Access Article

264 - The role of web-based systems in improving business processes using simulation approach (Case study: Credit card)
Asghar Ataee Ghortolmesh Abbas Toloie Eshlaghy Alireza Pourebrahimi

10.30495/jiei.2021.1928510.1117

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Open Access Article

265 - Designing a Dynamic Model of Banking Services Sustainable Supply Chain Management Using System Dynamics (Case Study: Mehr Iran Bank)
Mitra Khoshnevis Farshad Faezy Razi kiamars Fathi Hafshejani

10.30495/jiei.2022.1945056.1179

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Open Access Article

266 - Identifying the Factors Affecting Organizational Resilience in the Banking Network under Sanctions
farzad shahkarami Reza Rostamzadeh JafarSadegh Feizi Mohammad Paseban Nima AzarmirShotorbani

Banks have the role of financial and service institutions and they have a decisive role in the circulation of money and wealth. These institutions have a special place in the Iranian economy. Also, Banks have the role of financial intermediation in order to meet the fin More

Banks have the role of financial and service institutions and they have a decisive role in the circulation of money and wealth. These institutions have a special place in the Iranian economy. Also, Banks have the role of financial intermediation in order to meet the financial needs of production and commercial units. The method of this study is foundation data type, in terms of applied purpose, qualitative data and also in terms of research method. The statistical population of this study in the qualitative part is composed of all experts and managers of the Export Development Bank of Iran in 2020. In analyzing the data of this study, we used SPSS and AMOS software. The results of this study indicate that there are influential factors in the organizational resilience model including: 1- causal factors (communication expansion, Resistive economy, Clarification of rules and management empowerment), 2- Interaction strategies (intra-organizational planning, service quality development and effective organizational strategy), 3- Interventionist conditions (government support and Setting monetary and fiscal policies), and 4- Underlying factors (Organizational partnership, empowering human resources and employee satisfaction). However, we analyzed the factors affecting organizational resilience in the face of sanctions and ultimately this model led to the organization Manuscript profile

Open Access Article

267 - Investigation the Effect of Credit Risk on Financial Stability in the Islamic Banking System
Alireza Heidarzadeh Hanzaei

Banks 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 More

Banks 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

268 - Explaining the Impact of Knowledge Management and the Role of Business Networks in Islamic Banking
Abolghasem karimi Majid Ahmadi Alireza Rousta

After 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 More

After 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

269 - Identifying factors affecting the retention of creative employees in Iran's banking industry (case study: Refah Kargaran Bank of Kohgilouye and Boyer Ahmad provinces)
Gholamali Rezapour Mahdi Bagheri Parvaneh Gelard

هدف پژوهش حاضر، شناسایی عوامل مؤثر بر نگهداشت کارکنان خلاق در صنعت بانکداری ایران (مورد مطالعه بانک رفاه کارگران استان کهگیلویه و بویراحمد) است.در روش تحقیق از رویکرد تحقیقات ترکیبی (کیفی-کمّی) از نوع متوالی-اکتشافی استفاده شده است. جامعه آماری در بخش کیفی شامل خبرگان ( More

هدف پژوهش حاضر، شناسایی عوامل مؤثر بر نگهداشت کارکنان خلاق در صنعت بانکداری ایران (مورد مطالعه بانک رفاه کارگران استان کهگیلویه و بویراحمد) است.در روش تحقیق از رویکرد تحقیقات ترکیبی (کیفی-کمّی) از نوع متوالی-اکتشافی استفاده شده است. جامعه آماری در بخش کیفی شامل خبرگان (مدیران شعب بانک رفاه و اساتید عضو هیات علمی در رشته مدیریت) می&lrm;باشند. روش نمونه&rlm;گیری ،در بخش کیفی از نوع هدفمند با استفاده از تکنیک گلوله برفی و با توجه به شاخص اشباع نظری انجام شد و شامل کارشناسان مدیران شعب بانک رفاه و اعضای هیات علمی متخصص می&lrm;باشد در بخش کمی نیز جامعه آماری عبارتند از کلیه مدیران، معاونان و کارکنان شعب بانک رفاه در استان کهگیلویه و بویر احمد می باشند. تعداد کارکنان و مدیران جمعا 120 نفر می باشد در بخش کمی نیز روش نمونه گیری بصـــورت تصادفی طبقه ای متناســـب با حجم جامعه آماری میباشد و 100 نفر به عنوان نمونه آماری انتخاب شدند  برای جمع آوری داده های مربوط به الگوی نگهداشت کارکنان خلاق از پرسشنامه محقق ساخته 67 سوالی استفاده گردید. با توجه به مطالعه گسترده و نبود ابزار استاندارد جهت سنجش، محقق بعد از مطالعه نظریات و انجام مصاحبه نیمه ساختار یافته به ساخت پرسشنامه با استفاده از روش تحلیل عاملی پرداخته است. جهت تجزیه و تحلیل داده های کیفی پژوهش از روش تحلیل محتوا استفاده شد جهت تجزیه و تحلیل داده های کمی پژوهش از نرم افزار Spss و pls در دو سطح آمار توصیفی و استنباطی استفاده  شد. در نهایت با استفاده از آزمون مدل سازی معادلات ساختاری، داده های پژوهش، به منظور برازندگی مدل مفهومی پژوهش مورد سنجش قرار گرفت. یافتههای پژوهش نشان داد برای نگهداشت کارکنان اخلاق، در صنعت بانکداری، 67 شاخص بااهمیت وجود دارند که می&rlm;باید مورد توجه قرار گیرند، این 67 شاخص در 13 مؤلفه و این 13 مؤلفه در 4 دسته عامل کلی، عوامل مدیریت و رهبری، انگیزشی، سازمانی و فردی جای گرفته&rlm;اند. همچنین در بخش رتبه بندی عوامل مشخص شده است که عوامل مدیریت و رهبری در رتبه نخست اهمیت قرار گرفته است.  Manuscript profile

Open Access Article

270 - Islamic financing and mobilizing banking resources in Iran
seyyed ali paytakhti oskooe Arash Negahbani Nader Mehregan Mohammadreza Nahidi Amirkhiz

One of the most important functions of the Islamic financial system is to facilitate financial flow and divert financial resources for productive investment projects. This system gives banks the opportunity to move economic resources more quickly and accurately, relying More

One of the most important functions of the Islamic financial system is to facilitate financial flow and divert financial resources for productive investment projects. This system gives banks the opportunity to move economic resources more quickly and accurately, relying on monetary and financial resources, and the existence of Islamic financial instruments increases the productivity and optimal mobilization of banks' resources. In the present study, using Markov switching econometric technique the effect of Islamic financing (through rent sukuk and Murabaha bonds) on mobilizing banking resources in Iran has been investigated during the period 2012:4 to 2021:2 (based on quarterly data). The findings show that sukuk bonds in both regimes have a positive effect on bank deposits. In other words, the expansion of the sukuk has led to growth bank deposits. Therfore, we must look for ways to attract foreign and domestic investment in order to issue different types of sukuk. The use of these assets increases the resources of the banks. Manuscript profile

Open Access Article

271 - Investigating the causal relationship between economic growth, trade openness and the depth of the banking sector: Case study of the D8 Group Countries
maasoumeh Dalvandi mohammad javad mohaghegh nia

Achieving economic growth plays an important role in determining countries economic power. Therefore, it is particularly important to recognize and examine the factors that influence economic growth. The depth of the banking sector and trade openness are important facto More

Achieving economic growth plays an important role in determining countries economic power. Therefore, it is particularly important to recognize and examine the factors that influence economic growth. The depth of the banking sector and trade openness are important factors influencing economic growth. In this study, the unit root test of the IPS was used to examine the significance of the variables. After rejecting of co-integration between variables using Pedroni and Kao test to examine the causal relationship between depth of the banking sector, trade openness and economic growth, the Granger causality model of panel data during the period 1980-2020 in 8 D8 member countries has been used. Therefore, for the depth of the banking sector, a composite index obtained from the Principal Component Analysis method and for economic growth and trade openness, two indexes of GDP and total exports and imports in terms of GDP are used, respectively. The results confirm the existence of a one-way causal relationship from trade openness to economic growth. Other results show that the causal relationship between economic growth and the depth of the banking sector has not been confirmed; The findings also indicate that there is no causal relationship between trade openness and the depth of the banking sector in the countries studied. Manuscript profile

Open Access Article

272 - Comparison of the impact of business environment on the development indicators of the banking industry In developing and developed countries
marjan damankeshideh

The business and investment climate is a political, institutional, and behavioral environment that affects returns and risks associated with economic activities and investments. The results of model estimation in this group of countries show that with increasing oil res More

The business and investment climate is a political, institutional, and behavioral environment that affects returns and risks associated with economic activities and investments. The results of model estimation in this group of countries show that with increasing oil resources and revenues, due to the strong dependence of these countries on oil revenues, government revenues and bank liquidity also increase, and given that most of these countries are dependent on consumption. They have a strong demand for imports, so with the increase of oil revenues, the total demand in the economy of these countries increases, and due to the lack of productive power and lack of attention to business and entrepreneurship, with increasing demand by consumers of goods and services, the level General prices (inflation) also increase.Given the importance of business environment and its impact on the financial sector in the economy, this article examines the business environment on the development of the banking industry in two categories of "newly industrialized (NICs) and OECD selected countries" and "OPEC and BRICS countries. (BRICs) "has been compared. The estimation results for the three groups of OECD selected countries, BRICs selected countries and NICs selected countries are close to each other. PEN) and the Banking Focus Index (PEN) improve. But for selected OPEC countries, the results are different. Manuscript profile

Open Access Article

273 - The reasons of public reluctance to use of Electronic Bank cards(case study:Mellatbank customers)
هوشنگ Taghizadeh ابراهیم Sepehri

The 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 More

The 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

274 - A Novel Method Based on Support Vector Machines to Classify Bank Transactions
Melika Tojjari Razieh Farazkish

Manuscript profile

Open Access Article

275 - 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 alamzadeh

10.30495/alr.2022.1945305.2216

Background 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 More

Background 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

276 - Regulations governing banking sanctions in the light of international law
zabiholah Porjan Abad ali zare mohsen mohebi saber niyavarani

10.30495/alr.2022.1936235.2122

Field and Aims: One of the tools to guarantee the implementation of general international law is sanctions against countries, which were placed in the hands of the United Nations Security Council based on the United Nations Charter, so that according to it, it can deal More

Field and Aims: One of the tools to guarantee the implementation of general international law is sanctions against countries, which were placed in the hands of the United Nations Security Council based on the United Nations Charter, so that according to it, it can deal with international crises that threaten global peace and security. to manage The sanctions of the Security Council against Iran are derived from the seventh chapter of the United Nations Charter, which talks about "threats or violations of peace in the world". One of the targets of these sanctions are the banks, and in this article we will discuss the international regulations governing their sanctions.Method: This research was carried out in terms of practical purpose and in terms of gathering information in a documentary way and through the study of valid laws and sources, and the obtained information was analyzed in a descriptive-analytical manner.Findings and Conclusions: The Council of Ministers of the European Union has so far approved various and numerous sanctions against Iranian banks in the form of independent resolutions. EU sanctions require all member countries to comply with them, and the cancellation of sanctions is done by the Council of Ministers of the European Union by approving a plan in this council. In fact, the government of the United States of America and the European Union with this action; It has violated the treaty obligations, the rules related to the international responsibility of the governments and the specific obligations of the US government not to interfere in the internal affairs of Iran, and the European Union also violated the resolutions of the Security Council as well as articles 24 and 25 of the United Nations Charter and Even articles 53 and 103 of the charter (without the permission of the Security Council) sanction the Islamic Republic of Iran, and even these cases are in conflict with article 59 of the plan of international responsibility of governments, which were among the reasons for conducting this research. Manuscript profile

Open Access Article

277 - Interest in the banking system with emphasis on compound interest in Iranian laws and international documents
علی دیزجی حسین مهرپور علیرضا مظوم رهنی

10.30495/alr.2023.1957573.2348

Field 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 More

Field 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

278 - Identification and leveling of corporate banking components in the banking system of the Islamic Republic of Iran based on the foundational data theory approach
mohammad hossein Salehi parviz saeidi maryam bokharayan

10.30495/fed.2024.1968488.2802

The current research has been done with regard to the rapid growth of banking activities in the business environment of the country and in order to contribute to the greater success of these types of activities in the banking industry. The research method is mixed and i More

The current research has been done with regard to the rapid growth of banking activities in the business environment of the country and in order to contribute to the greater success of these types of activities in the banking industry. The research method is mixed and initially, the components of corporate banking have been identified through literature and semi-structured interviews with experts. Interviews were coded with three methods of open, central and selective coding and finally 21 components and 148 indicators were identified based on central coding and in the quantitative part a structural-interpretive model to present the model of corporate banking using ISM according to the opinions of 15 industry experts. Banking has been established. After that, to identify the position of the identified components using MICMAC based on influence and dependence. The obtained results of corporate banking are formed in six levels including the central category, contextual factors, causal conditions, intervening conditions, strategies and finally, consequences. The findings of the research have shown that at the bottom level of the results, it shows that the results are the most effective indicator. And after that, the central phenomenon and strategies are the next priority. Background conditions and intervening conditions are in the third level of influence on the corporate banking model, and causal conditions have the least impact on the corporate banking model. MICMAC analysis showed that the corporate banking system is an unstable system. Manuscript profile

Open Access Article

279 - 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 Hashemi

10.30495/fed.2022.697604

AbstractOne 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 More

AbstractOne 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

280 - The impact of Information and Communication Technology (ICT) on labor productivity: a case study of banking industry
Alireza Daghighi Asli Saleh Ghavidel Parima bahrami zonouz

This paper aims to study the impact of ICT on labor productivity in banking industry over the period of 2002-2007. Technique used in this paper is a combination of Cobb–Douglas production function, panel data and e-views software (version 6).The result of estima More

This paper aims to study the impact of ICT on labor productivity in banking industry over the period of 2002-2007. Technique used in this paper is a combination of Cobb–Douglas production function, panel data and e-views software (version 6).The result of estimation indicates that ICT has a positive effect on labor productivity in banking industry. Besides, both human and physical capital has shown to have a positive effect on labor productivity. In the light of our findings it is thus suggested that developing countries such as Iran should provide the enabling environment and facilitate investment in ICT, so that domestic and foreign investors are further encouraged investing in this new area Manuscript profile

Open Access Article

281 - Investigating social banking in the world for small industries and providing a solution on how to generalize it in Ardabil
Naser Seifollahi Vahideh EbrahimiKharajo

10.30495/fed.2022.694714

AbstractIn 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 More

AbstractIn 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

282 - Factors affect of Non performacing Loan in Iran
kashayar seyed shokri somayeh garosi

Abstract Today, one of the major problems of banks and financial/credit institutions is outstanding and deferred loans. Non-performing loans decrease financial ability of banks to grant new loans and the bank's profitability and increase collection costs and the other More

Abstract Today, one of the major problems of banks and financial/credit institutions is outstanding and deferred loans. Non-performing loans decrease financial ability of banks to grant new loans and the bank's profitability and increase collection costs and the other hand it adverse effects on the banking and financial sectors, and the wider dimensions, on the people through the financial and monetary crises. Due to the loss of the entire banking system and the economy through this, it will be necessary to address this important issue. Therefore, in addition to consider the previous studies that considered the endogenous and exogenous factors affecting the Non-Performing Loans (NPLs) ratio, the effect of GDP growth and inflation variables as macroeconomic variables to show the impact of macroeconomic conditions on banks Non-Performing Loans (NPLs)ratio, was considered. Also management quality, size, and moral hazard as the banking system specific factors were used. Manuscript profile

Open Access Article

283 - Presenting the policy model of the talent management system in the country's banking network
Fateme Memari Vahid Araei

10.30495/fed.2023.705593

AbstractThe aim of the current research is to identify the needs, find talent, attract and retain human resources talent in the country's banking network in order to provide a policy model for the talent management system. The research method is qualitative and to analy More

AbstractThe aim of the current research is to identify the needs, find talent, attract and retain human resources talent in the country's banking network in order to provide a policy model for the talent management system. The research method is qualitative and to analyze the text of the interviews and identify the criteria and indicators, the analysis and theme analysis technique was used, and the data were analyzed during three stages of primary, secondary and selective coding. The statistical population includes 15 academic experts related to talent management and human resource managers of banks, and a combination of targeted judgment methods and snowball methods were used to select the sample. According to the results, the model of the talent management system in the country's banking network is based on three main components of input, talent management process and output, and banks should move towards talent management based on the dimensions of these components and in this context Don't be hasty. Manuscript profile

Open Access Article

284 - The Impact of Credit Risk on the Banking System's Performance: (PANEL VAR Approach)
علی احمدی حسین‌علی احمدی جشفقانی اصغر ابوالحسنی هستیانی

Iran'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 More

Iran'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

285 - Factors Affecting the Internationalization of Banks
Mozhdeh Nilchian Mohammad Reza KabaranzadGhadim Jalal HaghighatMonfared Jamshid EdalatianShahriyari

10.30495/fed.2022.697608

AbstractBanks, 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 More

AbstractBanks, 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

286 - The Effect of Electronic Banking on Return on Equity for Selected Banks in Tehran Stock Exchange
سید شمس الدین حسینی حمید فرامرزی عباد

Electronic banking is a result of entering information and communication technology in the field of banking that led to reduced bank’s and costumer's costs. Use of electronic banking instruments such as automated teller machine (ATM) and point of sales (POS) has r More

Electronic banking is a result of entering information and communication technology in the field of banking that led to reduced bank’s and costumer's costs. Use of electronic banking instruments such as automated teller machine (ATM) and point of sales (POS) has released delivery of banking services from the liabilities of time and location and affect the profitability of banks. This study has investigated the effect of electronic banking expansion on return on equity (ROE) in eight banks in the Tehran Stock Exchange included four private banks (Eghtesad novin, Parsian, Pasargad, Sina) and for state-owned banks that has been transferred their shares to the Stock Exchange (Saderat, Mellat, Tejarat, Post bank); in period of 1385-1393. Based on Generalized Least Square (GLS) approach and panel data method we found a significant positive effects between ROE and independent variables  such as ATM/Branch, SPOS, HHI and GDP .   Manuscript profile

Open Access Article

287 - Explaining customer engagement to createing value in the banking industry of Iran based on perceived value
سید محمد کامل حسینی صمد عالی

10.30495/fed.2022.691505

Abstract For many of today’s financial institutions, focusing on advantage-creating elements is undoubtedly a lever to extend Customer engagement value. In this complicated environment, the customer is seen as an external asset for the organization and considerin More

Abstract For many of today’s financial institutions, focusing on advantage-creating elements is undoubtedly a lever to extend Customer engagement value. In this complicated environment, the customer is seen as an external asset for the organization and considering the value-creating mechanisms for the customer can have positive ramifications for companies and institutions working in the field of financial businesses. Accordingly, the purpose of this paper is to answer this question: How can we develop customer engagement in creating value for the banking industry by creating value for the customer. For this purpose, Customers of Kowsar Financial and Credit Institute in Tehran province were selected as the statistical population and 976 customers participated in the research by completing the questionnaire. Sampling method was used to select statistical sample. The research hypotheses were tested using structural equation modeling technique and AMOS 23 software. The results of the research showed that Perceived functional and social value have a direct effect on all three dimensions of customer engagement value (Customer Lifetime, Customer Influence Value, Customer Knowledge Value), but the effect of perceived emotional value on any aspect of the value of customer engagement was not approved. The results of this study confirm the impact of perceived value (Perceived functional and social value) on customer engagement value Manuscript profile

Open Access Article

288 - 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 Jahangirnia

10.30495/fed.2023.698848

Abstract 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 More

Abstract 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

289 - 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 Far

10.30495/fed.2022.694718

AbstractThe 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 More

AbstractThe 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

290 - Investigating the Causal Nexus Between Economic Growth, Banking Sector Development, Capital Markets Development and Macroeconomic Variables in Iran
Zarir Negintaji Hassan GolmoradiAdinevand MortezaAli Sadeghinejad

10.30495/fed.2022.697611

AbstractOne 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 More

AbstractOne 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

291 - Providing and analysis of green financing model of companies through the banking industry in establishing a sustainable environment
عباسعلی شیخ پرویز سعیدی ابراهیم عباسی آرش نادریان

10.30495/fed.2022.691508

Abstract Environmental protection and sustainable environmental development are important concerns of human societies and the main unquestionable. Banks, considering the environmental risks in financing companies, play an essential role in protecting the environment an More

Abstract Environmental protection and sustainable environmental development are important concerns of human societies and the main unquestionable. Banks, considering the environmental risks in financing companies, play an essential role in protecting the environment and moving towards a green economy. As one of the dimensions of green banking, green financing is an innovative financial instrument that tries to improve the environmental balance with the industries' development and economic growth. The present research aimed to design and analyze the financing model of companies through the Iranian banking industry in establishing a sustainable environment, which has a three-step approach. First, by interviewing 16 experts and encode, 77 components in the form of 21 categories were identified based on Grounded data theory, and the model related to design and hypotheses were identified. And next, the structural equation modeling method was used to evaluate the model-fitting and hypotheses test, which showed the significant results of the measuring and structural models, the optimal model fitting, and hypotheses confirmation. Then, by using the interpretive structural modeling method, the components of green financing were prioritized, in this stage, 20 components with the highest frequency of code were entered, and finally, the priority of the components was recognized in 6 levels. Manuscript profile

Open Access Article

292 - Presenting a Comprehensive Model for Measuring the Liquidity Risk of Banks Listed on the Tehran Stock Exchange (Case Study: Mellat Bank)
Toraj Azari Mojtaba Tastori Reza Tehrani

10.30495/fed.2022.694721

 AbstractLack of liquidity management of banks is one of the most important risks for any bank and lack of attention to liquidity risk leads to irreparable consequences. Preventing liquidity risk requires a comprehensive measurement method but liquidity risk is com More

 AbstractLack of liquidity management of banks is one of the most important risks for any bank and lack of attention to liquidity risk leads to irreparable consequences. Preventing liquidity risk requires a comprehensive measurement method but liquidity risk is complicated issue, and this complexity makes it difficult to provide a proper definition. In addition, defining liquidity risk determinants and formulation of the related objective function to measurement its value is a difficult task. To address these problems and assess liquidity risk and its key factors, in this study we propose a model that uses artificial neural networks and Bayesian networks. Design and implementation of this model includes several algorithms and experiments to validate the model. In this paper, we have used Levenberg-Marquardt and Genetic optimization algorithms to teach artificial neural networks. We have also implemented a case study in Bank Mellat to demonstrate the feasibility, efficiency, accuracy and flexibility of the research liquidity risk measurement model.  Manuscript profile

Open Access Article

293 - Developing Green Banking Model Based on Innovation Management Components for Sustainable Competitive Advantage
فاطمه حجاران رضا رادفر علی دیواندری داوود فدایی

10.30495/fed.2022.691510

Abstract 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 More

Abstract 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

294 - Investigating the effect of electronic receipt and payment tools on reducing government and bank costs
Behzad Alinejadi Ahmed Sarlak Cambys HejbarKiani

10.30495/fed.2022.694722

AbstractToday 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 More

AbstractToday 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

295 - Identification of the damages and strategies required for the life cycle management model for the development of banking services (Case Study: Parsian Bank)
Samira Shafaei Yamchelou Esmaeel Hasanpoor Mohammadhosein Ranjbar

10.30495/fed.2023.702197

Abstract Today, Diverse and ever-changing factors have led banks to devote special efforts and attention to identifying customer needs and offering services that are compatible with their requirements. These challenges have led banks to identify various aspects of the More

Abstract Today, Diverse and ever-changing factors have led banks to devote special efforts and attention to identifying customer needs and offering services that are compatible with their requirements. These challenges have led banks to identify various aspects of the product life cycle. In this study, by presenting the Product Lifecycle Management Model, the damages and strategies required to develop banking services at Parsian Bank were identified. In order to identify in this study, the main and sub-themes related to damages and strategies in the life cycle of banking products, the methodology of thematic analysis was used, which was applied for data collection, library study and survey methods as follows: Initially, thematic literature on the life cycle model of products and services was collected through library study, and after identifying the definitions of the life cycle, the main and secondary topics of the life cycle were identified using tools for interviewing managers and officials of reputable branches of Parsian Bank in Tehran. The results were then classified into four stages of introduction, growth, maturity and decline, and the research results led to the identification of damages in four stages of introduction (2 themes), growth (3 themes), maturity (3 themes) and decline (4 themes).) And the required life cycle strategies were introduced in four stages: Introduction (2 themes), growth (2 themes), maturity (2 themes) and of decline banking products (2 themes). Manuscript profile

Open Access Article

296 - The Impact of Resource Management and Consumption on Banking Performance by Emphasizing the Moderating Role of Corporate Governance
mir morteza mousavi asgar pakmaram jamal bahrisales hasan ghalibaf asl

Banks, as the most important endpoints of our financial crisis, have also become increasingly aggressive. The mission of banks is mainly based on the principle of collecting wandering funds in the form of deposits and on the other hand trying to allocate resources optim More

Banks, as the most important endpoints of our financial crisis, have also become increasingly aggressive. The mission of banks is mainly based on the principle of collecting wandering funds in the form of deposits and on the other hand trying to allocate resources optimally in different economic sectors so that they can meet government goals. Purposefully use resources collected to achieve sustainable development.To achieve this goal, hybrid regression models have been used as statistical sample for the period of 2012-2018 with the selection of all private banks accepted in the Tehran Stock Exchange. The results of the testing of research hypotheses show that the management of resources and expenses has a significant effect on the operational efficiency of banks. There was also a significant impact of corporate governance on the interaction between cost management and operational efficiency of banks.There was also a significant impact of corporate governance on the interaction between cost management and operational efficiency of banks. Manuscript profile

Open Access Article

297 - Designing a model for the effectiveness of banking advertising by using the Grounded theory method (Case study: Bank Day branches in Tehran
sadaf khanbolooki Ali Asghar Eyvazi Heshmat Rasoul Sanavifard alireza aghayousefi

Given that the advertising industry is a solution for the economy, it is necessary to make predictions for its effectiveness. In this regard, it is stated that what is the model of the effectiveness of bank advertising? Qualitative data collection was done using Grounde More

Given that the advertising industry is a solution for the economy, it is necessary to make predictions for its effectiveness. In this regard, it is stated that what is the model of the effectiveness of bank advertising? Qualitative data collection was done using Grounded theory method and in accordance with the systematic approach of Strauss and Corbin. The statistical population of the study included academic experts, organizational managers who were selected using a snowball technique, 12 people were selected and in-depth interviews were conducted with them. The results of the research indicate that causal conditions such as the attractiveness of advertising, information, audience contact with advertising affect the effectiveness of bank advertising. Also, the necessary strategy for the effectiveness of advertising is to strengthen the content and communication stimuli, creativity, holding advertising campaigns, improving the quality of banking services (including structural factors of banks, media) and intervening conditions (including issues such as customer attitudes, Environmental factors (competitors) influence these strategies and have consequences such as improving financial performance, customer satisfaction and retention, economic growth, competitive advantage, brand positioning. Manuscript profile

Open Access Article

298 - Identifying Determinants and Consequences of Non-Performing Loans Using Meta-Synthesis Method
Mohammad Reza Esmaeili Mohammad Ebrahim Mohammadpoor Zarandi Mehrzad Minouei

This research sought to find the determinants and consequences of non-performing loans. For this purpose, meta-synthesis method was used and 7 steps of meta-synthesis proposed by Sandelowski and Barroso (2007) were implemented. The intended sample for meta-synthesis con More

This research sought to find the determinants and consequences of non-performing loans. For this purpose, meta-synthesis method was used and 7 steps of meta-synthesis proposed by Sandelowski and Barroso (2007) were implemented. The intended sample for meta-synthesis consists of selected studies based on their relationship with the research question. In the present study, the initial sample included 194 sources related to the research topic, which were extracted from databases without time limits. After screening the sources in terms of various items such as title, abstract, content and quality, 151 sources remained, whose results were examined more precisely and combined with each other. The result of this process was the extraction of 118 codes, which were categorized into 10 categories of determinants, 11 strategies to reduce and 12 consequences of non-performing loans. Determinants include international factors, macroeconomic factors, bank-specific factors, industry-related, market, borrower, and loan, political, macro-financial and institutional factors. 36% of determinants were classified in the category of macroeconomics determinants, 31% in the category of bank-specific factors, and 33% in the other 9 categories. Another result of this study is the circular causality observed among the consequences and determinants. Manuscript profile

Open Access Article

299 - 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 Mahmudi

The 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 More

The 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

300 - Designing and providing marketing services for Sepah Bank in the banking industry
Hosein Adelkhani farideh hagh shenas kashani

Based on open-ended questionnaires and interviews, opportunities and threats (macroeconomic, social, political, technological, and competitors) from the expert community were collected and then coded, indexed, and re-categorized and re-surveyed using the Grounded Theory More

Based on open-ended questionnaires and interviews, opportunities and threats (macroeconomic, social, political, technological, and competitors) from the expert community were collected and then coded, indexed, and re-categorized and re-surveyed using the Grounded Theory and Entropy method. The component was then determined. Then there are 31 opportunities and 41 threats in 16 general dimensions (electronic banking and information technology, mental image, how and where to offer services, services and products, organizational structure and processes, liquidity status, social responsibility, transparency and administrative health, capital Human, income and profitability status, liquidity status, compliance with prudential, regulatory and regulatory requirements, capital status, asset quality, research and development, management quality). Also, the strengths and weaknesses of the bank from the internal expert community were determined based on the above methods and 19 strengths and 20 weaknesses in 15 general dimensions (customer assurance, banking, financial resources, quality of products and services, channel optimization Communication, New Business, Human Capital Management, Enterprise Capital Management, Profitability Opportunities, Employees, International Banking, Product Diversity and Service, Customer Relationship, Operational Process Improvement, Information Capital Management) Identified. 50 strategies have been formulated and based on QSPM matrix 30 strategies have been designed. Manuscript profile

Open Access Article

301 - Explaining and Prioritizing Effective Advertising Factors Using Fuzzy Hierarchy (FAHP)
soheila shamsadini Farhad Hanifi vahid reza mirabi

Reviewing and evaluating the effectiveness of propaganda can serve as a criterion for converting weaknesses into strengths and adjusting its budget. Also, identifying the factors affecting the effectiveness of advertising can lead to its more professional design and imp More

Reviewing and evaluating the effectiveness of propaganda can serve as a criterion for converting weaknesses into strengths and adjusting its budget. Also, identifying the factors affecting the effectiveness of advertising can lead to its more professional design and implementation. The purpose of this study is to explain and prioritize the factors affecting the effectiveness of modern economy bank propaganda in Iran. The study population consisted of 50 scientific and organizational experts. According to the research literature, effective criteria and sub-criteria have been extracted. The final indices were extracted using fuzzy Delphi technique and according to experts. Then, using fuzzy AHP method, the ranking of criteria is discussed. The extracted criteria are: demographic characteristics, emotions and individual attitudes of the audience, appearance characteristics of the message, message content, market characteristics, cultural, economic, design and nature of services, advertising methods. The results showed that advertising methods, design and nature of services, message characteristics, personal emotions and attitudes of the audience, demographic characteristics, message content, economic, market characteristics, culture, ranked first to ninth, respectively. dedicated. Manuscript profile

Open Access Article

302 - Providing a fuzzy AHP and fuzzy DEMATEL approach in order to rank branding effective factors based on grounded theory
Esa Fahim Mojtaba Purslemi Ali Hosein zadeh Mohammad Ghasemi namaghi

The main purpose of the present study is to representing a multi attribute fuzzy AHP and fuzzy DEMATEL approach in order to rank branding effective factors based on grounded theory in the Iranian banking industry. This study is an applied and exploratory one. The snowba More

The main purpose of the present study is to representing a multi attribute fuzzy AHP and fuzzy DEMATEL approach in order to rank branding effective factors based on grounded theory in the Iranian banking industry. This study is an applied and exploratory one. The snowball method was used to determine the sample size. The statistical sample size was 80 persons. In order to achieve the research objectives, the questions were designed for interview and finally seven categories of structural, behavioral, environmental, processes, output, outcome and effect and sub-components of each were identified. The fuzzy DEMATEL and grounded theory approach was used to analyze the data. The results showed that structural, behavioral and process factors play an important role in branding, and consequence, impact and results are the next priorities that can lead to bank branding. . . . . . . . . . . . . . . . . . .. . . Manuscript profile

Open Access Article

303 - The Evaluation of Market Competition in Iranian Banking System (Panzar and Rosse Approach)
Hossein Sharifinia Hooshang Momeni Vesalian Alireza Daghighiasli Marjan Damankeshideh Majid Feshari

  The evaluation of market competition is one of the main issues in the industrial and monetary economics. So, the main objective of this article is to estimate the banking market structure in private and governmental banks during the period of 2006-2017. For achie More

  The evaluation of market competition is one of the main issues in the industrial and monetary economics. So, the main objective of this article is to estimate the banking market structure in private and governmental banks during the period of 2006-2017. For achieving this purpose, at the first step we computed the banking sector's market competition by Panzar-Rosse approach. In the second step we evaluated the impact of market competition on total revenue of banks by using dynamic panel data regression with generalized method of moment approach. The results of model estimation indicated that the market competition in thesae banks has been estimated over the 0.59. Henve, the market structure is similar to incomplete competition. Moreover, the lag of total revenue and equity return have positive and wage rate has negative impact on total revenue of banks during the period of study. Keywords: Market Competition, Banking System, Private and Government Owened Bank's. Panzar and Rosse Approach Manuscript profile

Open Access Article

304 - 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 Orimi

Business 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 More

Business 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

305 - Evaluate Strategic Criteria of Digital Banking Implementation Using Integration of Interpretive Structural Modeling and Fuzzy DEMATEL Approaches
davod khosroanjom behzad keshanchi amir pourgholi shovaneh abdoullahi

Digital 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 More

Digital 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

306 - Presenting a conceptual model of corporate banking in specialized banks
alireza nazari Mohammad Hossein Ranjbar Sirajuddin Mohebbi Mehdi Bagheri

The 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 More

The 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

307 - 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 KHalili

The 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 More

The 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

308 - Proposing a Model for Promoting Public Trust in Iran's Banking System (Case Study: Saderat Bank of Iran)
Ali Ahmadi Maryam Majidi Masoud qorban Hosseini Cyrus Tadbiri

Objective: The main purpose of this study was to Model for Promoting Public Trust in Iran's Banking System (Case Study: Saderat Bank of Iran). Identified. Research Method: The present study is a mixed (qualitative) method from the perspective of fundamental and explorat More

Objective: The main purpose of this study was to Model for Promoting Public Trust in Iran's Banking System (Case Study: Saderat Bank of Iran). Identified. Research Method: The present study is a mixed (qualitative) method from the perspective of fundamental and exploratory purpose. A qualitative method for identifying components of public trust and a method for collecting Delphi information. Data analysis was also performed using structural equation modeling method and Amos software. Results: Based on the identified components from literature review and interviews with experts in the fuzzy Delphi method, a questionnaire was prepared and distributed among the statistical sample including 384 customers of Saderat Bank of Iran in Tehran in a cluster manner. By collecting the distributed questionnaires, the data were analyzed to test the hypotheses. Showed Iranian exports and model presentation in this section. Conclusion: The results showed that the path coefficients in relation to the identified dimensions in the organizational dimension with 0.69 had the most and in the strategic capability dimension with 0.59 had the least impact on promoting public confidence in the banking industry. Manuscript profile

Open Access Article

309 - 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 sargolzaei

Investment 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 More

Investment 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

310 - An exploration of the components and indicators of of knowledge-based staffing strategy in the banking sector in the public sector using the Rajan evaluation model
fereshteh eftekharnejad majid jahangirfard Ali Ali Mehdi zade Ashrafi torag mojibi

An exploration of the components and indicators of of knowledge-based staffing strategy in the banking sector in the public sector using the Rajan evaluation model The present study aimed to identify and explain the components and indicators of knowledge-based staffing More

An exploration of the components and indicators of of knowledge-based staffing strategy in the banking sector in the public sector using the Rajan evaluation model The present study aimed to identify and explain the components and indicators of knowledge-based staffing strategy in the banking industry in the public sector. First,according to the theoretical literature , the components of staffing strategy and knowledge management was extracted, and in the next part, through Delphi method and interviews with 15 human resource management experts in Bank Mellat, using a semi-structured questionnaire , components and indicators of Knowledge-based staffing strategy were determined.After designing the pairwise comparison questionnaire, the opinions of human resources experts were collected and the components and indicators were weighted and ranked. Findings showed that to design a model of knowledge-based power supply strategy, a total of 3 key components in the field of knowledge management, which are: structural context, value context and behavioral context, should be considered by considering 15 indicators. Manuscript profile

Open Access Article

311 - Designing an Integrated Strategic Risk Development Model in the Banking Industry Using Interpretive Structural Modeling Approach (Case Study: One of the Large Commercial Banks)
davod khosroanjom behzad keshanchi Sayed Mehdi Ahmadi Afshar amir pourgholi

Intensifying competition among banks and increasing their risk, including emerging risks such as strategic risks, has a significant negative impact on the value of the bank. Therefore, the key to the survival of banks is to create the necessary capabilities to identify, More

Intensifying competition among banks and increasing their risk, including emerging risks such as strategic risks, has a significant negative impact on the value of the bank. Therefore, the key to the survival of banks is to create the necessary capabilities to identify, analyze and react to them. .The purpose of this study is to identify effective strategic risk criteria in order to support the strategic goals of the banking industry and determine their effectiveness.In this regard, based on documentary studies and in-depth study of the literature and with the help of Fuzzy Delphi method and the opinion of 15 experts, risky areas in the banking industry, including seven groups of Operational risks, Accuracy, Environmental, Management, Strategy, Technology Information and Finances were comprehensively identified. In order to structure the relationships between strategic risk criteria, Interpretive Structural Modeling was used and by developing an integrated model to measure the effectiveness of the criteria in order to support the strategic goals of the banking industry. The results showed that the effectiveness of "customer satisfaction" criterion is better than other criteria and vice versa, the effectiveness of "investment risk assessment" criterion is weaker than other criteria. Manuscript profile

Open Access Article

312 - Design and explanation of social media-based banking services marketing model
Hamidreza Azimi vahidreza mirabi hossein safarzadeh

A review of the trends in the banking system in our country also confirms the fact that financial services providers, In this regard, the aim of the present study is to design and implement a value creation model for bank customers in the process of creating a common br More

A review of the trends in the banking system in our country also confirms the fact that financial services providers, In this regard, the aim of the present study is to design and implement a value creation model for bank customers in the process of creating a common brand value. According to its objectives and in terms of the process of doing the work, the present research is a descriptive research and exploratory survey. The statistical population in the qualitative section is composed of bank managers of Bank shahr branches located in Tehran province, which was interviewed by targeted method until theoretical saturation, The statistical population of the quantitative section includes all the customers of Bank shahr located in Tehran provincem. Qualitative interview and in a small part of the questionnaire was used, the validity of which was confirmed by expert opinions and reliability with Cronbach's alpha. In order to analyze the data, qualitative content analysis and structural equations were used with PLS2 software. The results showed that The dimensions of the model include customer motivation, customer value, organizational factors, customer experience, customer loyalty and image They are the mind of the customer and the model has a goodfit Manuscript profile

Open Access Article

313 - Retail banking and its effective marketing factors (Case study: Branches of Mellat bank in Sanandaj)
Sayed Mohammad MoosaviJad Khabat Nesaei Seyed Mohammad Reza Movahed

Today, 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 More

Today, 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

314 - Identifying the effective factors on relational marketing in the banking industry under the conditions of embargo on private banks and its ranking
Reza Mohammadi Sina Nematizadeh Seyed Abbas Heydari

This research is in terms of practical purpose, in terms of mixed exploratory data (qualitative and quantitative) and in terms of research implementation method, it is of the type of foundation data (qualitative phase) and cross-sectional survey (quantitative phase). Th More

This research is in terms of practical purpose, in terms of mixed exploratory data (qualitative and quantitative) and in terms of research implementation method, it is of the type of foundation data (qualitative phase) and cross-sectional survey (quantitative phase). The population of the qualitative stage was all the managers and specialists of the private banks in the west of the country, from whom 21 people were selected by the targeted snowball method, and the statistical population in the quantitative part was all the employees of the private development banks of the west of the country, among them there were 250 people based on the formula Cochran was selected as a sample by stratified random method. The research tools were interviews and questionnaires .used. Data analysis was done based on pls software and foundation data. The results showed that expanding communication, using social networks, mpowering management causal conditions, organizational planning, effective organizational strategy interactive strategies, intra-organizational support and extra-organizational support. Among the intervening conditions, organizational participation, capable human resources and customer satisfaction are background factors. One of the consequences of the implementation of the cases raised is to reach the related marketing of the banking network in the conditions of sanctions. Manuscript profile

Open Access Article

315 - Interpretive structural modeling of factors affecting the application of Blockchain technology in Banking industry of Iran
maryam yazdanirad Mehran keshtkar, mahmoud ahmadi, farzad asayesh

The purpose of the present study was the interpretative structural modeling of the factors affecting the application of blockchain technology in the banking industry. This study is based on the practical purpose and from the perspective of the method in the field of mix More

The purpose of the present study was the interpretative structural modeling of the factors affecting the application of blockchain technology in the banking industry. This study is based on the practical purpose and from the perspective of the method in the field of mixed studies with deductive-inductive approach. Identifying the effective factors on the application of blockchain technology in the banking industry was done through semi-structured interviews based on theoretical saturation with professors in the field of information technology, banking management and experts active in the banking industry. T, the opinions of senior managers and experts in the banking industry in the number of 50 people were used with the purposeful sampling method and with the help of a questionnaire. Validity and reliability of the questionnaire were confirmed using content validity and test-post-test method. Coding the resulting data using Atlas.ti software led to the identification of 14 factors affecting the application of blockchain technology in the banking industry. Modeling of the identified factors with interpretive structural method led to the formation of seven levels, policies, awareness and regulation were the most effective factors and productivity was the most impressionable factor. Manuscript profile

Open Access Article

316 - Providing Technology Transfer Framework in Electronic Banking
Mehdi Dehbid Ashraf Shah Mansouri Seyyed Alireza Derakhshan

The aim of this study is to present a technology transfer framework in the electronic banking industry, which is a mixed method and applied research type. The statistical population included 17 experts in the qualitative section and 451 information technology and techno More

The aim of this study is to present a technology transfer framework in the electronic banking industry, which is a mixed method and applied research type. The statistical population included 17 experts in the qualitative section and 451 information technology and technology transfer experts in the banking industry in the quantitative section, of which 207 were selected in a stratified sampling method with proportional allocation. To do this, a number of 14 components were identified from the expert analysis in order to form the technology transfer framework. Their content validity was verified through confirmatory factor analysis. In the survey of experts, in terms of being operational in the relevant industry, as well as the importance of their presence in the framework of technology transfer, through the T-Student test, it was reduced to 9 components. The findings include 9 meaningful components: identifying technology needs, updating, research and development, negotiation, technical knowledge transfer, operational knowledge acquisition, technical knowledge implementation, transfer plan presentation and infrastructure provision. Finally, using AHP analysis, the prioritization of the components in the implementation of the technology transfer framework was discussed. Manuscript profile

Open Access Article

317 - Provide a model of strategic marketing capabilities based on competitive advantage in the banking industry based on the foundation data approach
Vahid javaheri abbas heydari Bahram Kheiri

The present study aims to provide a model of strategic marketing capabilities based on competitive advantage in the banking industry based on the foundation data approach. The research method is qualitative and based on data theory of the foundation. Semi-structured int More

The present study aims to provide a model of strategic marketing capabilities based on competitive advantage in the banking industry based on the foundation data approach. The research method is qualitative and based on data theory of the foundation. Semi-structured interviews were used to collect data and data analysis was performed by Strauss and Corbin method and paradigm model. Sampling was theoretical sampling method and was done using targeted (judgmental) techniques. According to the systematic model of data foundation theory, 15 people were selected for the statistical community of experts and managers with experience in the banking industry. The findings of this study indicate that for the successful implementation of a strategic marketing model based on competitive advantage Develop a positive understanding of marketing more in the field of competitive advantage activities. They can also provide a better picture of their services by emphasizing strategic marketing capabilities in order to pay attention to competitive patterns and take steps to develop a competitive advantage. In addition, this study warns managers about the need to pay attention to strategic marketing capabilities based on competitive advantage in the banking industry. Manuscript profile

Open Access Article

318 - Designing an Organizational Justice Model with an Emphasis on Banking Industry Working Groups using a Qualitative Approach
Golnaz Mehdi Asri Hossein Safarzadeh Mohammad Reza Rabiee Mandejin

The title of this Research Is Designing an Organizational Justice Model with an Emphasis on Banking Industry Working Groups. In Terms of Purpose, this research is applied-developmental and is Considered among qualitative researches Carried out using Exploratory Mixed Me More

The title of this Research Is Designing an Organizational Justice Model with an Emphasis on Banking Industry Working Groups. In Terms of Purpose, this research is applied-developmental and is Considered among qualitative researches Carried out using Exploratory Mixed Method. The statistical population includes All Managers and Experts of Banking Industry who have worked for a Minimum of 10 years, 23 of which were selected as the Sample through purposive sampling. Data Collection Tools were systematic studies and semi-structured in-depth interviews with experts. The Focal Group Method was used for the Validity of the Model, and for its Reliability, Cronbach’s alpha Coefficient was used, which is 0.83. Data analysis was performed using Clark’s 6-step thematic analysis. The results indicated 4 Main themes (distributive justice, procedural justice, information justice, interpersonal justice). and 11 sub - themes (assignment of duties and responsibility, resource allocation, possibilities and facilities, Services compensation for groups, distribution of membership in groups, group decision - making, procedure of performing affairs, considering of group Framework, supporting of working groups, Improvement of Working group Climate, constructive communication and Informational Synergy between working groups). Manuscript profile

Open Access Article

319 - Design and psychometric tools to determine value creation factors for corporate banking customers
Ali Asghar Farahmand Mirfeiz Fallah Gholam Reza Zomorodian

Creating 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 More

Creating 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

320 - 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 Rezaeian

The 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 More

The 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

321 - Segment Report Patterning in Iranian Banking Sector
سید علی اکبر میرعمادی جواد رضازاده بهروز خدارحمی

10.30495/faar.2022.691689

Abstract Operational segment reporting is one of the essential and vital parts of financial reporting. This information is useful for both Intra and extra-organizational consumers. So far, in operational segment reporting two main and important approaches called risk a More

Abstract Operational segment reporting is one of the essential and vital parts of financial reporting. This information is useful for both Intra and extra-organizational consumers. So far, in operational segment reporting two main and important approaches called risk and return approach and management approach have been considered by researchers and the body of standard committee. Each of these two approaches has had its supporters and critics. Due to these criticisms and weaknesses, the mentioned models, especially in the Iranian banking industry, do not meet the needs of their users. Therefore, the purpose of this study is to design and present a model for the operational segments reporting of the Iranian banking industry according to the economic environment as well as market and business conditions of this industry.  Samples are selected from provider, users and also supervisors of the banking industry. The number of samples is also tested based on theoretical saturation criteria. Finally, the analysis of research findings has led to the design of a model in which users’ need are introduced as a causal variable and operational segment reporting of the Iranian banking industry as a central point. Due to the underlying and intervention conditions and leading strategies, promoting the usefulness of financial reporting in the banking industry has been introduced as a consequence of the designed model. The results of this study can be an appropriate basis for the body of standard committee and regulators in order to formulate how to disclose information of operational segments in the Iranian banking industry. Manuscript profile

Open Access Article

322 - The Model for Contributing Factors to FinTech Implementation in Banking System of the Country Using the Blended Approach
Farideh Mohammadi Roya Darabi Hossein Badiei

10.30495/faar.2024.709445

Abstract This paper aims to identify and present a model for contributing factors to FinTech implementation in the country's Banking system using the blended approach. Using the blended approach, the scholar first (in the qualitative section) analyzed 30 specialists i More

Abstract This paper aims to identify and present a model for contributing factors to FinTech implementation in the country's Banking system using the blended approach. Using the blended approach, the scholar first (in the qualitative section) analyzed 30 specialists in the banking system in several phases. Second, in the quantitative section, by using the smart PLS Software and structural equation approach, the effectiveness of variables is assessed by distributing a questionnaire among 267 employees of Bank RefahKargaran. The results show that “economic governance of the state”, “culture building and training”, “structural preparation”, “banking system transparency”, and “facilities and incentives” can affect FinTech implementation in the Banking system. Further, quantitative phase analyses show that all research constructs, In the form of five hypotheses, directly contribute to the FinTech implementation in the financial system. Since the traditional banking in the world is about to change into digital-evolution banking; this paper is concerned with one of the significant digital banking events, FinTech. in the FinTech area, few studies have presented on the implementation. Manuscript profile

Open Access Article

323 - Preventing Bank Offenses Through Promoting Social Responsibility
Ramin Alizadeh hossein gholami Mohammad Ali Jahed

Corporate social responsibility (banks) is one of important banking system issues which one of its effects is preventing banking crimes. Implementation of social responsibility principles and disciplines is of high importance in banks. Actually, “social responsibi More

Corporate social responsibility (banks) is one of important banking system issues which one of its effects is preventing banking crimes. Implementation of social responsibility principles and disciplines is of high importance in banks. Actually, “social responsibility’ pattern is a managerial expression ,when exercising ,crimes and banking crimes reduction is one of its functions. Actually CSR or corporate social responsibility is commitment of business sector for cooperating in sustainable economic development through working with staff, family and society for improving the quality and in this regard ISO 26000 and equator principle in 10 articles following social standardization of banks which today are accepted by 68 international banks, could be referred to. Therefore, in fact corporate social responsibility or CSR, is a managerial discussion which entered into law, as well. Since it is a prevention mechanism and could be used in banking laws, as well. Prevention system caused by corporate social responsibility also is a self-regulation mechanism which is considered as one of the most important noncriminal techniques. In this paper, there is an attempt to study its role in preventing banking crimes through descriptive-analytical method aiming to express social responsibility. Manuscript profile

Open Access Article

324 - Investigating Monetary-Banking Sanctions and Related Social Changes in Human Rights Enforcement
Mohammad Hossain Khademeyan Ali Pour Ghassab Amiri Hassan Soleimani

10.30495/jscc.2022.692199

In 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 More

In 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

325 - Jurisprudence and existing banking laws viewpoint on allocating resources in Iranian banks
Reza Azad andish Abbas Ali Heidari Mahmoud Qayyumzadeh

This study attempted to investigate the allocation of resources in Iranian banks from the perspective of Islamic jurisprudence and existing banking laws through a descriptive and analytical method by referring to the relevant reference books and taking notes from the re More

This study attempted to investigate the allocation of resources in Iranian banks from the perspective of Islamic jurisprudence and existing banking laws through a descriptive and analytical method by referring to the relevant reference books and taking notes from the relevant articles and dissertations.The findings of the study indicate that the mere approval of the law on usury (interest)-free banking operations (approved in 1983) in Iran and its approval by the Guardian Council is not tantamount to the approval of Islamic jurisprudence of the establishment of usury (interest)-free banking system in Iran, but the establishment of such a system in the operational sectors, especially in the sector providing facilities in the country's banks, requires the compliance of the banking system with Islamic jurisprudence and jurisprudential rules.The author concludes that there are jurisprudential and legal problems in the current process of applying the law on usury (interest)-free banking operations to contracts and facility agreements of banks, which in practice guides the course of the country's banking system to what is used in usurious banking. Further, the harms such as usury, tricks of usury, colorable transaction, fictitious contracts, lack of supervision of banks on correct use of facilities and lack of knowledge and information of the customers and even many officials and employees of banks about banking contracts, etc., prevent the application of the aforementioned law to the country's banking operations and establishment of optimal methods of allocation and distribution of bank resources at various levels of society and economic prosperity. Accordingly, the author, inspired by the idees of the experts of banking jurisprudence, has sought to eliminate the listed harms by proposing the compliance of existing contracts with jurisprudential rules and the use of new contracts by the banks for resource allocation. Manuscript profile

Open Access Article

326 - Validation of value creation pattern with customers in the banking industry-Case study: Bank Mellat
Amir Ali Koushki Fataneh Alizadeh meshgani Nasser Fegh-hi Farahmand

AbstractThe aim of the current research is to validate a model for using co-creation of value with customers in the banking industry. This study is cross-sectional in terms of research type. The statistical population includes Bank Mellat customers. The sample size was More

AbstractThe aim of the current research is to validate a model for using co-creation of value with customers in the banking industry. This study is cross-sectional in terms of research type. The statistical population includes Bank Mellat customers. The sample size was estimated to be 384 people and sampling was done by simple random method. Partial least squares technique and PLS software were used to validate the value co-creation model with customers. Finally, value co-creation indicators with customers were prioritized by Swara method. The research data collection tool is a questionnaire, which has been validated with convergent validity, construct validity and divergent validity methods. The reliability of the questionnaire was also evaluated using Cronbach's alpha and composite reliability. The results of the research showed that value co-creation strategy is considered as the underlying factor of the model, which affects organizational knowledge management and human resource management. Knowledge management and human resources also affect customer experience management. In the same way, customer experience management also affects strategic value co-creation and service development skills and ultimately lead to value co-creation with customers. Manuscript profile

Open Access Article

327 - Analyzing the Asymmetric Effects of Exchange Rate Movements on an Investment Risk of the Banking Industry Activing in Tehran Stock Exchange Market
Maryam Zarezadeh Mahrizi Samira Zarei

This study seeks to analyze the effects of exchange rate movements on an investment risk of the banking industry by applying the idea of risk separation into two sorts of the period, the high and low risk. In line with this, the daily time series data, from 26th March 2 More

This study seeks to analyze the effects of exchange rate movements on an investment risk of the banking industry by applying the idea of risk separation into two sorts of the period, the high and low risk. In line with this, the daily time series data, from 26th March 2011 to 19th February 2020, and a hybrid model of exponentially conditional heteroscedasticity and Markov- Switching approaches have been used. The results of this paper, based on the hybris MS-TGARCH model used in the investigations of (Bibi, 2019) and (Aloui and Jammazi, 2020), are statistically significant and prove the accuracy of the hybrid model in the case of Iran. Therefore, based on this finding, it could be possible to more precisely analyze the effects of different determinants on the modelled risk. Regarding this approach, the impacts of exchange rate movement on the investment risk of the banking industry are far more in the high-risk periods than those of low-risk ones. Manuscript profile

Open Access Article

328 - Developing a quantitative Banking cooperation model in integrating banks and institutions with a marketing approach
Hamidreza Ramezani Parviz Saeidi Amir Ghafourian shagerdi Seyyedmohammadreza Hosseini

Businesses are constantly changing, and changes are so vast and unpredictable that every day we see or integrate businesses based on new models, the banking system is no exception. To prevent failure, adapt itself to existing models to consolidate its presence. In this More

Businesses are constantly changing, and changes are so vast and unpredictable that every day we see or integrate businesses based on new models, the banking system is no exception. To prevent failure, adapt itself to existing models to consolidate its presence. In this research, the researcher attempts to design a model based on the principles of collaborative marketing when merging between banks. That is, at the quantitative stage of the initial conceptual model based on mature causal variables b 23 variables including cobanking's topic and six dimensions and 16 design components and then in the second (quantitative) questionnaire consisting of 67 design questions that its validity through academic experts and its reliability using structural equation software with mean 75 % Confirmed that the relationships between variables were analyzed using Structural Equation Method in two parts: Model fit analysis (Examination of measurement models - Structural model investigation and General model) and Testing hypotheses. The template (one concept - six dimensions and ten components) was developed. Manuscript profile

Open Access Article

329 - The pervasive risk of the financial crisis in the Iranian banking system with the ARFIMA-FIGARCH-Delta CoVaR approach and the expected marginal Shortfall
leila barati mirfeiz falahshams farhad ghafari Alireza Heidarzadehhanzaee

Systemic risk refers to the risk of failure of the financial system or failure of the entire market. This risk can arise from instability or crisis in financial institutions and can be transmitted to the entire financial system as a result of transmission. The purpose o More

Systemic risk refers to the risk of failure of the financial system or failure of the entire market. This risk can arise from instability or crisis in financial institutions and can be transmitted to the entire financial system as a result of transmission. The purpose of this paper was to assess the pervasive risk of a financial crisis in the Iranian banking system. In this study, statistical information of banks during the years 1392-1397 has been used. In the first part, the comprehensive risk indicators of the financial crisis are calculated using the Delta CoVaR index, then the risk susceptibility is assessed using the ARFIMA-FIGARCH method. In the first step, the unit root test indicates the existence of a deficit root in the bank stock price index. Comprehensive risk indicators are then calculated and systemic risk transmission modeling is discussed. The results of the model indicated that the systemic risk situation in the country's banking system was abnormal, which was due to the leverage situation of the country's banks. Using the results of this study, it can also be stated that different financial sectors are required to consider sufficient capital for systemic Manuscript profile

Open Access Article

330 - The Presentation of a Model for Product Design and Development Process based on the Smart Economy Paradigm in the Banking Industry
mahdi soltani njad kiamars fathihafshjani gholamreza hashemzadehKhorasgani , AbouTorab Alirezaei

The present research aims to make a model for product design and development process (PDDP) based on the smart economy paradigm in the banking industry.The qualitative section approach is based on Grounded Theory.The data-collection instrument consists of semi-structure More

The present research aims to make a model for product design and development process (PDDP) based on the smart economy paradigm in the banking industry.The qualitative section approach is based on Grounded Theory.The data-collection instrument consists of semi-structured interview with twelve research and innovation experts and managers in banking industry applying purposeful as well as snowball sampling.Findings show that the final model consists of 6 main dimensions36 components and 236 indicators.The central category is the stages of the product design and development process in the field of banking which in six dimensions determine the goals and strategies of the PDDP ideas management,PDDP analysis, product design and processes, business development acquisition, performance management and upgrade during the product life cycle and according to causal conditions, intervening conditions, contextual conditions, strategies and results were. Among the research results is the application of smart economy strategies in the PDDP in the country's banking industry.In quantitative section,the data was collected by a researcher-made questionnaire consisting of 94 items and the descriptive-survey method was used for analysis and explanation of proposed model. The quantitative results indicate the verification of the model relations with an appropriate impact factor as well as its consistency with qualitative-section results Manuscript profile

Open Access Article

331 - Ranking of banks based on CAMELS indicators to predict financial distress by logistic regression and Data Envelopment Analysis
Gholam abbas Paidar Morteza Shafiee Fariborz Avazzadeh Fath Hashem Valipoor

It is very important to choose an efficient monitoring system to assess the financial distress of banks, therefore, one of the most important monitoring systems used to assess the financial distress of banks is the CAMELS monitoring system. Which includes six indicators More

It is very important to choose an efficient monitoring system to assess the financial distress of banks, therefore, one of the most important monitoring systems used to assess the financial distress of banks is the CAMELS monitoring system. Which includes six indicators; Capital adequacy, asset quality, management quality, revenue quality, liquidity, market risk sensitivity. Therefore, in this study, the criterion of financial helplessness of banks is CAMELS indicators. Initially, 17 banks listed on the Tehran Stock Exchange in the fiscal year 1399 were ranked and divided into healthy and helpless financial groups by CAMELS indicators. Then, models, Data Envelopment Analysis and logistic Regression were used to predict the financial distress of banks. Then, with the pairwise comparison test (T), the prediction accuracy of both models was investigated. In logistic regression method, binary model with ForwardlR method was used. And in data envelopment analysis method, SBM model with different application was used. The results showed that the overall accuracy of the logistic regression model is higher than the data envelopment analysis model in assessing financial distress and also the CAMELS monitoring system can be a good assessor for banks' financial distress. Manuscript profile

Open Access Article

332 - The mediating effect of banking system fragility on the relationship between controlling shareholder sensitivity and interest rate divergence
simin rajizadeh Amirhossein Taebi Noghondari Hadis Zeinali

Banks 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 More

Banks 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

333 - Designing a credit portfolio optimization model in the banking industry using a meta-innovative algorithm
ali asghar tehrani poor Ebrahim Abbasi Hosein Didehkhani arash naderian

The purpose of this study is to design a credit portfolio optimization model in the banking industry using a meta-innovative algorithm. Risk is one of the basic concepts in financial markets that has a certain complexity. Due to the lack of a clear picture of risk reali More

The purpose of this study is to design a credit portfolio optimization model in the banking industry using a meta-innovative algorithm. Risk is one of the basic concepts in financial markets that has a certain complexity. Due to the lack of a clear picture of risk realization, financial markets need risk control and management approaches. The present study is a descriptive survey in terms of data collection and applied in terms of purpose. The statistical population of this research includes all facility files of the last 10 years as well as the financial statements of Ansar Bank branches affiliated to Sepah Bank, which were selected by census method. The risk criteria used in the models are: fuzzy risk value, absolute value of fuzzy downward deviations and half entropy. Research models were implemented using multi-objective particle swarm optimization algorithm. The software used in conducting research is MATLAB software. The results show that the performance of the fuzzy risk-averaged model is better than the other two models in evaluating optimal portfolios. Therefore, the use of the above model in credit basket optimization is recommended. Manuscript profile

Open Access Article

334 - Investigation of the financial marketing model of Melli Bank of Iran with emphasis on customer segmentation
mahdi dadras sina nematizadeh azam rahiminik

This research was conducted with the aim of investigating the financial marketing model of the Melli Bank of Iran with an emphasis on customer segmentation. This research is of a mixed type and is developmental-applicative in terms of purpose, and it was carried out in More

This research was conducted with the aim of investigating the financial marketing model of the Melli Bank of Iran with an emphasis on customer segmentation. This research is of a mixed type and is developmental-applicative in terms of purpose, and it was carried out in a descriptive-survey manner. the statistical population includes experts and employees of Melli Bank of Iran and university professors and elites in the field of marketing, and 385 people were selected using Cochran's formula. The tool included a questionnaire and structural equation modeling and SPSS and PLS software were used to analyze the data. Based on the results, the financial marketing model in the Melli Bank of Iran was designed with an emphasis on customer segmentation in 6 main dimensions of causal conditions, interveners, central category, strategies and consequences, and causal conditions have a significant effect on the financial marketing phenomenon with a significance of 51.673; Also, the influence of background conditions and intervening conditions on the phenomenon of financial marketing was confirmed with significance, 41.965 and 40.074, respectively; Also, other relationships were investigated and all hypotheses were confirmed. Manuscript profile

Open Access Article

335 - An Assessment of Foreign Portfolio Investment in Hierarchical Model based on Topsis Algorithm
Gholamreza Amini Khiabani Karim Hamdi

Portfolio 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 More

Portfolio 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

336 - Presentation of Kobanking Model in the Integration of Banks and Institutions with a Marketing Approach (Case Study of Gwain Bank)
Hamidreza Ramezani parviz saeedi Amir Ghafourian shagerdi sayyedmohammadreza hosseini

Businesses are constantly changing, and changes are also widespread and unpredictable. So that every day we see the creation or integration of a variety of businesses based on the foundation of new models. The banking system is no exception to this, and in order to prev More

Businesses are constantly changing, and changes are also widespread and unpredictable. So that every day we see the creation or integration of a variety of businesses based on the foundation of new models. The banking system is no exception to this, and in order to prevent failure, it has adapted itself to various existing models to stabilize its presence. Considering that in past research, the merger of banks has been investigated according to the financial approach. In this research, the researcher tried to design a model based on cooperative marketing principles when integrating between banks. The research method is qualitative. Therefore, in order to achieve the best possible variables in this field, the fundamental method of content analysis and using the ground-based theory, first, the relations between the concept and its dimensions and components are formulated. In order to achieve a conceptual model, the views of experts and banking experts were used through interviews. And collecting comments until a consensus was reached, Snowball method was used for sampling. After 37 interviews with experts, the ultimate conceptual model, which included the concept of co-operation of banks, which was dependent on six dimensions, was also based on sixteen components. Manuscript profile

Open Access Article

337 - Effects of Macroeconomic Variables and market power on Banking Sector's Deposits (Bayesian Model Averaging Approach in Panel Data)
mahboubeh shakiba alireza Daghighiasli marjan damankeshideh majid fashari Ali Esmaeelzadeh Maghari

Market power specifies how firms in a market influence prices, and reveals the level of competition in the market. This paper investigated the impact of market power and macroeconomic variables effect on banking deposits in Iranian deposit money market using dynamic Bre More

Market power specifies how firms in a market influence prices, and reveals the level of competition in the market. This paper investigated the impact of market power and macroeconomic variables effect on banking deposits in Iranian deposit money market using dynamic Bresnahan-Lau’s and Bayesian model averaging approach for the 18 bank in the Iran industrial banking sector. Annual data for the period of 2006- 2016 has been collected from annual financial statements of Iranian banks, Statistical Centre of Iran, Monetary and Banking Research Institute of Iran and central bank of Iran. By applying BMA approach the main macroeconomic variables have been determined from 8 variables. The results of model estimation indicated that market power for its 18 Iranian banks were 0.58 and the macroeconomic variables of liquidity money has negative and other explanatory variables such as fixed assets, growth of GDP, first order lag of deposits, deposits rate and cross effect of GGDP with deposits rate have positive posterior average on banking sector's deposits during the period of study. Manuscript profile

Open Access Article

338 - Entrepreneurship Strategic Analysis of Fintech in Banking scope
Maryam Mashhadiabdol Davood Samari ebrahim abbasi Majid Ashrafi

One of the emerging phenomena in the world is the emergence of Fintech in banking. This has threatened governments' control over money and has made it easier to transfer money around the world. Technology development and social change affect customer behavior and lead t More

One of the emerging phenomena in the world is the emergence of Fintech in banking. This has threatened governments' control over money and has made it easier to transfer money around the world. Technology development and social change affect customer behavior and lead to change in customer relationship management. The purpose of this research is to study what Fintech developments in Iran and content analysis are trying to do in terms of what Iran has done in the field of banking and in which financial areas it will be able to start a new business. Some in the financial services industry see Fintech's progress as a threat to the traditional banking industry, and some believe Fintech is a challenge that can be turned into an opportunity. The research method in this paper is grounded theory which was first analyzed using library study and interviews with government officials in the field of banking and the key points were extracted. Therefore, in order to collect additional information for content analysis, a questionnaire was used using keywords. At the output of the questionnaire, the frequency of keywords and their importance coefficients were extracted. Finally, the weaknesses, strengths, threats and opportunities in entrepreneurship and innovation were extracted. The results are listed in the SWOT strategy table, which outline the strengths of the strategies to address the weaknesses and, using opportunities, provide strategies to turn the threats into opportunities. Manuscript profile

Open Access Article

339 - The Effect of the Central and Peripheral Compatibility with Mobile Banking Features Considering Moderating Role of Self-Efficacy
Maryam Abdoli

Abstract 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 More

Abstract 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

340 - Investigating the feasibility of committing banking crimes in the electronic banking system
Zarifeh Rezazadeh hamidie fatemeh ahadi

Electronic 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 More

Electronic 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

341 - Predicting systematic banking crisis in selected developed countries by multiple logit method
Mohammad Reza Asgarian Saeed Daei Karimzadeh Hossein Sharifi Renani

In this paper, in order to deal with systematic banking crises that lead to turmoil in various economic sectors, using the multiple logit method, the factors affecting the probability of banking crises in 27 selected developed countries during the period 1994-2018 were More

In this paper, in order to deal with systematic banking crises that lead to turmoil in various economic sectors, using the multiple logit method, the factors affecting the probability of banking crises in 27 selected developed countries during the period 1994-2018 were predicted. The results indicate the positive effect of inflation rate variables in the pre- and post-crisis period and the positive effect of the percentage of real interest rate changes in the post-crisis period on the probability of banking crisis. Economic growth rate and per capita production had a positive effect on the likelihood of a banking crisis in the pre-crisis period, but given the negative effect of these two variables in the post-crisis period, Granting bank loans to the private sector in the pre-crisis period had a negative effect on the likelihood of a banking crisis and doing it in the post-crisis period had a positive effect on it. Manuscript profile

Open Access Article

342 - Investigating the role of economic growth in the effect of oil revenue shock and exchange rate on the efficiency of Iran's banking network (Self-vector regression)
بهار حافظی Neda Asadollahzadeh Jafari sayed mohsen khalifeh soltsni

In the present study, the impact of positive and negative shocks of oil revenues, inflation and exchange rate in different economic growth states on the efficiency of the banking network using threshold structural vector autoregression model in the period of 1398:4-1387 More

In the present study, the impact of positive and negative shocks of oil revenues, inflation and exchange rate in different economic growth states on the efficiency of the banking network using threshold structural vector autoregression model in the period of 1398:4-1387:1 It was discussed seasonally, according to the results, the effect of a positive shock to oil revenues in economic recession and boom is similar to the efficiency of the banking network, and it had a positive effect in the short term and a negative effect in the medium term. But the effect of positive shock to inflation and exchange rate on banking efficiency depends on different regimes of economic growth. The positive shock of inflation in the recession has had a negative effect in the short term and a positive effect in the medium term on the efficiency of the banking network. In the conditions of prosperity, inflation has had a positive effect on the efficiency of the banking network in the short and medium term. The positive shock of the exchange rate in recessionary conditions has only a short-term negative effect on the efficiency of the banking network, but in the conditions of prosperity, the positive shock of the exchange rate has a positive effect on the efficiency of the banking network in the short term and a negative effect on the efficiency of the banking network in the medium term. Manuscript profile

Open Access Article

343 - The Effect of Government Support Policies on the Supply of the Products of Agricultural Processing Industries
L. Ghaderpour Nemat‌ollah Mousavi Z. Faraj‌zadeh

This study aimed to analyze the impact of government support policies on processing of agricultural products. For the analysis, a supply function was estimated using Iran’s pooled data of the firms of the agricultureal processing industries for the period of 2001 More

This study aimed to analyze the impact of government support policies on processing of agricultural products. For the analysis, a supply function was estimated using Iran’s pooled data of the firms of the agricultureal processing industries for the period of 2001 to 2010. Government support policies was separated into two parts, energy subsidies and bank facilities. Results showed a 10 percent increase in energy subsidy would increase the supply of agricultural processing product (SAPP) by 1.2 percent and a 10% increase in bank facilities would increase SAPP by 3.4 percent. According to the results it is recommended that the government gradually reduces these subsidies and pushes the short term subsidy support further Manuscript profile

Open Access Article

344 - Dynamic analysis of the performance of the iranian banking system in uncertainty condition
Soheila Azadeh Ahmad Aslizadeh Morteza Khakzar bafruei

10.30495/afi.2022.1959948.1133

Purpose: The present study explains a dynamic model for developing the performance of the Iranian banking system.Methodology: first, by examining the country's economic trend, uncertainties affecting the performance of the banking system based on international indicator More

Purpose: The present study explains a dynamic model for developing the performance of the Iranian banking system.Methodology: first, by examining the country's economic trend, uncertainties affecting the performance of the banking system based on international indicators of CAMELS were identified, and the network of uncertainties in the Iranian banking system to determine critical uncertainties using the approach SNA was evaluated. In the next stage, the dynamic model of the banking system performance in uncertainty conditions was designed using the SD based on the data of Bank Saderat Iran, and the model was simulated over a 20-year horizon.Findings: According to the research findings, four strategies of bank assets and costs management, the attraction of financial resources and profitability, bank management empowerment and banking infrastructure development, and a selected mixed strategy were identified and simulated, which includes 1- increase investment in banking infrastructure, 2- Create special mechanisms for collecting receivables, 3- Manage bank costs by the agility of processes and empower human resources, as well as monitor the bank's costs, 4. Increase the efficiency of the appropriate customer validation process, 5. Increase the trust and security of depositors by providing financial transparency reports and effective communication with key stakeholders.Originality / Value: Reforming the structure of the banking system, formulating efficient monetary and financial policies and regulations, and effective supervision of the country's banks can transfer uncertainties to the banks with less severity, and only in this situation can banks develop their performance with long-term planning. Manuscript profile

Open Access Article

345 - Multi-level Analysis of Success Factors in Islamic Banking with a Structural-Interpretive and Recursive Approach
jalal yousefi parviz saeidi Maryam Bokharayan Jamadordi Gorganli Doji

Purpose :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 More

Purpose :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

346 - Presenting a Corporate Entrepreneurship Framework in Iranian Banking Using Meta-Synthesis Method
Ali Chapardar Alireaz Irajpour Sayed Alireza S eyed Salehi Ali Davari

In today's world, corporate entrepreneurship plays an important role in the development and survival of organizations in the face of turbulent environments and sudden changes. The purpose of this study is to provide a corporate entrepreneurship framework in Iranian bank More

In today's world, corporate entrepreneurship plays an important role in the development and survival of organizations in the face of turbulent environments and sudden changes. The purpose of this study is to provide a corporate entrepreneurship framework in Iranian banking using the Meta-synthesis method. This applied research in terms of the objective was a descriptive study, as far as its nature was concerned; and, the effort had been made in the research for previous studies to be reviewed systemically and for output achievements to be analyzed. Accordingly, and through a selection of 37 types of research from among 365 recalled kinds of research; codes of the framework had been counted. The provided framework has 3 categories and 18 concepts obtained through a review of thematic literature and views provided by experts dominating the field. Kappa coefficient being 0/752confirms quality of the framework provided. The final framework includes 3 main codes of corporate entrepreneurship capabilities, strategic entrepreneurship, and strategic innovation along with related indicators in this field. Also, the proposed framework was able to address banking challenges and create the right environment to formulate entrepreneurial policies, improve service quality and achieve effective innovative goals. Manuscript profile

Open Access Article

347 - 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 Matin

Recent 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 More

Recent 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

348 - Identifying Strategic Factors and Scenario Planning in the Banking Industry with an Uncertainty Approach
Mahdi Joneidi Jafari AliReza Jalali Farahani

The 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. More

The 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

349 - Meta-Analysis o Factors Affecting Customers' Preferences in Selecting a Bank
naser Ghabouli ALIREZA Bafandeh Zendeh Samad Aali

The aim of this study is to analyze the literature of factors affecting customers' preferences in selecting banks and determining variables as well as determining the effect size of influencing variables on customer preferences in selecting banks. Banks are required to More

The aim of this study is to analyze the literature of factors affecting customers' preferences in selecting banks and determining variables as well as determining the effect size of influencing variables on customer preferences in selecting banks. Banks are required to know the behavior and needs of consumers in order to retain customers and gain more market share, and given that numerous studies have been conducted in this regard, and since in these studies the ability to control the research environment, examples and Methods, measuring tools are different from one research to another, the results of research are different and sometimes conflicting, so it is very important to conduct combined research that brings the extract of research in this field in a systematic and scientific way to researchers.  A total of 15 studies were selected and examined with CMA2 software. The results indicate that the following factors have contributed to the preferences of customers in choosing banks: 1. Financial facilities 2. Bank confidence 3. Method of dealing with employees 4. Providing banking services 5. Physical and spatial conditions 6. New and advanced technology 7 -Reputation and validity of bank 8- Security and information preservation 9.The cost of providing services  10 - Quick access to the Bank 11. Marketing. Manuscript profile

Open Access Article

350 - A Study on The Effect of Strategic Thinking on Total Quality Management and Customer Satisfaction in the Banking System
zahra mohammadiani Mahmoud Reza Esmaeili Hojjat Vahdati

Nowadays, customer satisfaction lead organizations toward new opportunities effort to achieve customer satisfaction has a key role in leading organizations in various industries around the world, furthermore ignoring such a variable in any organization would definitely More

Nowadays, customer satisfaction lead organizations toward new opportunities effort to achieve customer satisfaction has a key role in leading organizations in various industries around the world, furthermore ignoring such a variable in any organization would definitely lead to difficulty competition at the national and international levels. Moreover achieveing customer satisfaction is possible by utilizing strategic thinking (understanding current conditions and taking advantage of opportunities) and total quality management(systematic structure based on continuous improvement of internal activitie The purpose of this study was to investigate the effect of strategic thinking on comprehensive quality management. The hypotheses and the conceptual model of research are presented based on theoretical foundations of the research. The l study population consisted of directors of public banks and a questionnaire was used to collect data. The study is descriptive-survey, furtermore in terms of purpose is applied-developmental research. Structural equation modeling technique was used to analyze data using Smart PLS software. Results show that strategic thinking has a positive and significant impact on customer satisfaction both directly (coefficient path 0.520) and indirectly (c.p 0.319) through total quality management. Also strategic thinking has positive and significant impact (c.p 0.711) on total quality management and total quality management (c.p 0.448) on customer. Manuscript profile

Open Access Article

351 - The Social Responsibility Strategy in State Banks with Iranian Islamic Culture Approach
Kazem Asgari shahriyar azizi asghar moshabaki

Banks are considered the countries 'economic development engine through collecting small and wandering capitals in economic system and granting privilege besides providing banking and financial services through various strategies. Banking activities with any related str More

Banks are considered the countries 'economic development engine through collecting small and wandering capitals in economic system and granting privilege besides providing banking and financial services through various strategies. Banking activities with any related strategy are done in community domain and banks cannot be indifferent to their responsibilities toward the society in which they perform their activities. One of the most practical, and yet efficient new strategies of the banks is the careful and accurate use of CSR strategy. Banks can create a positive image regarding their brand and improve their economic function by means of their social responsibility strategy. In our country, cultural features consist of national and ancient customs and traditions while being Islamic and religious. Since the adopted strategy in banks in social responsibility domain have mostly western origin and have been compiled based on those societies’ features, then a new approach for the use of this strategy is necessary. This research has been done based on deep interviews with 10 university and banking system experts and fulfilling the theoretical saturation hypothesis. Via TEM Analysis method, four main domains were extracted from the contents of the interviews which separately consist of 15 cultural features in clients’ domain, 14 cultural features in staff’s domain, 14 cultural features in community domain and cultural features in environment’s domain, totally 52 features were recognized so that with a new approach to be able to compile and implement the state banks’ social responsibility strategy with Iranian Islamic approach. Manuscript profile

Open Access Article

352 - Banking Industry Macro Strategies through Scenario Approach
farhad shamshiri Abdulhamid Ebrahimi

The purpose of this study is to determine the scenarios of the banking industry with a future studies approach and how to achieve the possible scenarios. This research by purpose is research-practical oriented that collects information using qualitative methods. Data co More

The purpose of this study is to determine the scenarios of the banking industry with a future studies approach and how to achieve the possible scenarios. This research by purpose is research-practical oriented that collects information using qualitative methods. Data collection tools are questionnaires, interviews, taking notes and statistical and information networks. In this research, the statistical population is the managers and specialists of the banking industry who, according to the type of information needed to conduct the research, a sample of 66 experts in the field of banking was selected in a way non-probability and judgmental sampling. The methodology of this research is based on scenario writing. So, after formulating the initial question and identifying the main subject, forming an expert panel, conducting exploratory interviews and identifying the driving forces, 64 variables were provided to the experts in the form of a 64 * 64 matrix as the primary factors affecting the banking industry. Then, using the Mic Mac software, 12 key factors were extracted and classified into 38 different situations. Then, these situations were presented to the experts for all key factors in a 38 * 38 matrix and analyzed in the Scenario Wizard software. Finally, 3 strong scenarios, 1 believable scenario and 8 weak scenarios were identified and Strategies were presented to develop the banking industry. Manuscript profile

Open Access Article

353 - Designing and Formulating Strategic and Marketing Strategies of Sepah Bank with a View to the Future
hosein Adelkhani farideh hagh shenas kashani

The purpose of this study is to design and develop strategic and marketing strategies based on the major goals of Sepah Bank, mission statement and perspective. In this study, opportunities and threats of macro environment (economic, social, political, technology and c More

The purpose of this study is to design and develop strategic and marketing strategies based on the major goals of Sepah Bank, mission statement and perspective. In this study, opportunities and threats of macro environment (economic, social, political, technology and competitors) and strengths and weaknesses of the bank based on open questionnaire and interview using the Grand Theory method, it has been collected, coded, indexed, component and later collected from the expert community. Then, using Shannon's entropy technique, grading and ranking were performed. After ranking, 31 opportunities were identified and 41 threats were identified in 16 general dimensions, 19 strengths and 20 weaknesses were identified in 15 general dimensions. Then, using a quantitative strategic planning matrix, 50 strategies have been designed and compiled, and after scoring, 30 practical strategies have been determined.The results showed that for the purposes of increasing and maintaining market share (strategy of activating the R&D unit), increasing stability and profitability (strategy of operational efficiency with a focus on increasing wage earnings), upgrading and consolidating the brand position (brand brand promotion strategy according to Its antiquity and statehood) and the empowerment and excellence of human capital (the strategy of the employee performance appraisal system based on experience and ability) have the first priorities in terms of the importance of implementation. Also, with the simultaneous analysis of internal and external factors, the bank's position was in a competitive position. Manuscript profile

Open Access Article

354 - Designing and Explaining the Model of Innovative Leadership in the Country's Banking Industry
Ardavan, Gholamali pour Hassan Reza Zeinabadi Hassan Rangriz Akbar Hasanpour

The process of influencing others and motivating them to cooperate with each other in order to achieve group goals is called "leadership". In fact, innovative leadership in the organization is a behavior in the organization that can lead to the creation of adaptation an More

The process of influencing others and motivating them to cooperate with each other in order to achieve group goals is called "leadership". In fact, innovative leadership in the organization is a behavior in the organization that can lead to the creation of adaptation and compatibility as much as possible with environmental changes and expand innovation among employees and throughout the organization. The purpose of this research is to design and explain the model of innovative leadership. This research is a type of qualitative research to describe and describe with the help of content analysis method. The statistical population of this research includes experts in the field of innovative leadership, the questions were asked through interviews, and the components of innovative leadership were extracted according to the coding done using the content analysis method. The results indicate that leadership behavior, leadership strategy are the main dimensions of innovative leadership and participation and like-mindedness, modeling, flexibility, supervision and control, delegation of authority, knowledge and strategic management, and reward are the main sub-categories of innovative leadership. Manuscript profile

Open Access Article

355 - Designing and Validating a Model for Integrating Customer Knowledge Management and Customer Relationship Management with a Competitive Advantage Approach in the Iranian Banking Industry
Saba Heydari Fariz TaheriKia Niloofar Imankhan

Integrating customer knowledge management and customer relationship management may be considered as one of the most important fields of competitive advantage in the third millennium, which is an opportunity to use knowledge-based and customer-oriented manpower, with max More

Integrating customer knowledge management and customer relationship management may be considered as one of the most important fields of competitive advantage in the third millennium, which is an opportunity to use knowledge-based and customer-oriented manpower, with maximum effectiveness in business and value creation for the customer. The study is applied in terms of purpose and a survey description in terms of data collection. The statistical population in number of 1235, which a statistical sample of 293 people has been extracted according to the Morgan sample size determination table. Sampling method is convenience sampling and a questionnaire was used to collect data. In this research, model equations and analyzes have been done by using structural equation modeling through Smart PLS software. The results showed that casual conditions (response of the bank to the external environment, implement international standards and bank social responsibility), contextual conditions (change the approach of the bank's senior management and liberalize and deregulate the government) and intervening conditions (bank empowerment culture and dynamic competition) have a positive and significant impact on integrating customer knowledge management and customer relationship management. Among the proposed strategies integrated marketing, development of technology and modern banking services and strategic alliance have a positive and significant impact on integrating customer knowledge management and customer relationship management but delta model doesn’t have a significant impact. Customer knowledge management and customer relationship management has a positive and significant impact on gaining a competitive advantage for the bank, increasing customer satisfaction and strengthening banking services in society. Manuscript profile

Open Access Article

356 - A Model based on Cloud Computing for the implementation and management IT services in Banks
Najla Niazmand

Manuscript profile

Open Access Article

357 - Considering the Effects of Open Courseware Education Website Technology on Improving Educational Productivity
Farhad Ebrahimi Abbas Toloie Eshlagy Navid Nezafati

Manuscript profile

Open Access Article

358 - Introduction of a Framework for Customer Orientation Using Ambulant E-Banking Services Marketing (Case Study: Mellat Bank in Isfahan)
Seyed Ali Siadat Mohammad Mehrali Moghaddam

Manuscript profile

Open Access Article

359 - Identify and Prioritize the Factors aFfecting the Process of Opportunity Recognition in the Field of Information Technology Banking Industry
Afsaneh Ozaee Mehran Mokhtari

Manuscript profile

Open Access Article

360 - The Application of Combined Fuzzy Clustering Model and Neural Networks to Measure Valuably of Bank Customers
Raheleh Nasiri Sharifi Maryam Rastgarpour

Manuscript profile

Open Access Article

361 - Self-healing in payment switches with a focus on failure detection using State Ma- chine-based approaches
Hassan Jahedi Hamid Shayegh Borujerdi

Manuscript profile

Open Access Article

362 - 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

Manuscript profile

Open Access Article

363 - Identifying customer preferences in using e-banking services
M. Shahchra A. Moradi H. Arabi A. Ahmadian

Manuscript profile

Open Access Article

364 - Application of Alternative Dispute Resolution (ADR) in International Economic Law
morteza karkhaneh Mohammadreza hosseini Mohammadali Solhchi haybatallah najandimanesh

Alternative 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 More

Alternative 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

365 - Strategies to counter the effects of US sanctions against the Iranian banking system
Rozbeh Pezeshki abu mohammad asagarkhani Masour Atasheneh

For years, sanctions have been used in the international arena as coercive measures by one state or group of states against another to change its behavior or policies. Among these, economic sanctions, especially financial and banking sanctions, are the most common type More

For years, sanctions have been used in the international arena as coercive measures by one state or group of states against another to change its behavior or policies. Among these, economic sanctions, especially financial and banking sanctions, are the most common type of sanctions. Iran's banking system has been subject to unilateral sanctions, especially by the United States, for various reasons over the past years. Accordingly, given the importance of the banking system in the government, which is an important part of the success of the economic program is affected by the ability of the banking system, which has been targeted by banking sanctions, we discuss the effects of US banking sanctions against the Iranian banking system. And does it have dimensions? Based on this, it can be said that economic sanctions by cutting off banking communications, in addition to disrupting money transfers, export operations, imports, financing and foreign investment, increase the risk of foreign investors and disrupt. It has become a monetary and economic policy and has faced the country with a lack of foreign exchange resources and reduced economic growth. Among the digital currencies, he considered the role of private banks in the economy, improving the quality of banking services, interest rate reduction policy, managing foreign exchange reserves, creating and strengthening exchange offices, reducing commission rates and prepayments to be effective in countering banking sanctions. Manuscript profile

Open Access Article

366 - Structural model of desire to use electronic banking services based on personality dimensions and brand management
marzieh yarizanganeh Alireza Nik Seresht

The 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 More

The 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

367 - Presenting a Model for Sustainable Banking: A Qualitative Study
Reza Mazrae Farahani Maryam Ooshak Saraei Gholamreza Mahfoozi Mohammad Taleghani

Sustainable 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 More

Sustainable 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

368 - The impact of electronic service quality on customer satisfaction Bank Case Study: Mellat Bank branches in East Tehran
Mohammad Reza Sharifie Mohammad Rahim Rasouli Azad

Abstract 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 More

Abstract 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

369 - An Analysis of E-Service Quality vs. Customer Satisfaction in Melli Bank, Islamic Azad University Branch
Ruhollah Mehdinezhad Javad Ghaed mohammady

Abstract 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 More

Abstract 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

370 - Brand Transgression and it’s Consequences in the Iranian Banking Industry
Gholamreza Shahbazi ُSoleyman Iranzadeh Bagher Asgarnezhad

The 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 More

The 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

371 - 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 Jalali

The 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 More

The 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

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