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Open Access Article
1 - Strategic model of network communication development to attract customers in the banking industry with a jihadist approach
Hamid Salari Seyyed Mahmood Hashemi Alireza RoustaThis 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 MoreThis 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
2 - designing the Model of Future Organizations High Reliability (Case Study Banking Industry)
loghman rahmanpour gholamreza memarzadeh tehran mehdi alvani naser hamidiThe 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 MoreThe 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
3 - Identification of Key capabilities of Organizational foresight in Banking and Financial Institutions of Iran
Mahdi Gholizadeh Zavoshti safar fazli Einolah Keshavarz turk Asghar EbnerasoulFutures 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 MoreFutures 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
4 - Future studies of the banking industry with a scenario approach
farhad shamshiri Abdulhamid Ebrahimi Roohalla samieee Majid AshrafiBackground: 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 MoreBackground: 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
5 - Analytic Scenarios of the Future of Iranian Banking: Combining Capabilities of Knowledge Absorptive Capacity and Corporate Foresight
Mahdi Joneidi Jafari Farhad Darvishi Safar FazliObjective: The purpose of this article is to answer the question: What are future scenarios of the Iranian banking industry by combining the capabilities of knowledge absorptive capacity and corporate foresight? In this article, we have reviewed the future of banking in MoreObjective: The purpose of this article is to answer the question: What are future scenarios of the Iranian banking industry by combining the capabilities of knowledge absorptive capacity and corporate foresight? In this article, we have reviewed the future of banking industry, knowledge absorptive capacity and corporate foresight adopting both process and content (as a capability and ability) approaches; in addition, the components and dimensions of corporate foresight have been investigated from a content perspective. Methods: The research is practical in terms of purpose and cross-sectional in time. Using the tools of library and fuzzy Delphi methods data was collected from academic and industry experts (15 experts) and it was analyzed using Interpretive Structural Modeling (ISM) techniques and the Micmack software. Finding: The results suggest that performance can be enhanced by combining the capabilities of knowledge absorptive capacity and corporate foresight. Finally, by combination of the two capabilities, four possible scenarios, including the desired Ka’aba, the center of calmness, the revelation of magnificence and the wingless ascension, are outlined and analyzed. Manuscript profile -
Open Access Article
6 - Agile development banking and providing an instrument for Measuring organizational agility in Iranian state-own banks
Nasser Mirsepaci Shabnam FarshchiInitially, 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 MoreInitially, 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
7 - Integrated banking model of Bank Melli Iran (BMI) based on the customer needs in company, private, minor and commercial dimensions
Davod Abdi Mehdi Moradi Lorens AnviehTekiehThe present study aims to describe the dimensions of comprehensive banking model of Bank Melli Iran based on the customer needs. This research was conducted using the qualitative case study methodology. The target group of this study included 18 experts in banking indus MoreThe present study aims to describe the dimensions of comprehensive banking model of Bank Melli Iran based on the customer needs. This research was conducted using the qualitative case study methodology. The target group of this study included 18 experts in banking industry with the work experience of above 10 years in Bank Melli of Iran in 2018. The qualitative data were analyzed using the thematic analysis method. The comprehensive banking model based on the customer needs was extracted in Bank Melli of Iran based on the results of this study; the purpose of this model was to address challenges in the areas of the financial resources, human resources, processes, and customers; some strategies to achieve this purpose include: making adjustments to the severe monitoring system in the area of banking laws and regulations, the need for diverse levels of funding to secure capital in big banks, using the competitive conditions in banking industry (including the digitalization) as an opportunity, proper use of communication technology to meet the diverse needs of customers. Manuscript profile -
Open Access Article
8 - Investigating the effect of intellectual capital efficiency on productivity: Evidence from banks listed on Tehran Stock Exchange
Seyed fakhreddin FakhrhosseiniIn 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 MoreIn 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
9 - Credit Risk Test Stress Model of the Banking Industry under Macroeconomic Scenarios
mohsen Ziaee Bidhendy Mehrzad Minooee Mirfaz Fallah shamsThe 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 MoreThe 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
10 - A Green Financing Model for Companies through Banking Industry: Grounded Theory Approach
Abbas Ali Sheikh Parviz Saeedi ebrahim abbasi arash naderianGreen 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 MoreGreen 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
11 - 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 ZadehNowadays, 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 MoreNowadays, 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
12 - 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 RostamiThe 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 MoreThe 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
13 - An Investigation of Service Quality in Public and Private Banks Using Five Dimensions SERVQUAL Model
H. R. Saeidnia S. M. EshrafiThe 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 MoreThe 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
14 - An Implementation of the Activity Based Costing in Banking Industry (Evidence from Mehr Bank in Mashad)
امین ناظمی سیداحمد سیدیIn 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 MoreIn 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
15 - Pattern of Deviant Political Behavior Management Strategies in Banking Industry using a Qualitative Approach
atefe EbrahimpourAhandani saeed jafarinia akbar hassanpoor mehdi KheirandishBanking is a dynamic, increasingly growing, profitable, and highly competitive industry and the occurrence of various deviant political behaviors to obtain higher benefits is undeniable. Behaviors that have many negative consequences. To this purpose, in the current res MoreBanking is a dynamic, increasingly growing, profitable, and highly competitive industry and the occurrence of various deviant political behaviors to obtain higher benefits is undeniable. Behaviors that have many negative consequences. To this purpose, in the current research, the pattern of deviant political behavior management strategies in banking industry is presented. In addition to using library studies, the required data were obtained using qualitative method and thematic analysis strategy and conducting in-depth interviews with 21 experts in banking industry, who were selected using non-random sampling method. Then the pattern of deviant political behavior management strategies was designed, and after performing six stages of thematic analysis, 36 solutions were counted and coded, finally, 7 comprehensive solutions, including carrier path management and employees empowerment, attitude and behavior management, establishment of a transformational management system, organizational culture management, establishment of a fair services compensation system, organization-environment interaction management, and promotion of professional ethics were presented for effective management of deviant political behaviors Manuscript profile -
Open Access Article
16 - New Banking Industry and Development in Iran
soroush fathi Mohammad Zaman Mohammadi Raeisi Habibollah KarimianFrom 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 MoreFrom 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
17 - Target setting in the process of merging and restructuring of decision-making units using multiple objective linear programming
Javad Gerami -
Open Access Article
18 - The Effect of Changes in the Banking Industry Structure on Firms Investment
ebrahim abdi Farhad khodadad kashi Yeganeh Mosavi JahromiThis 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 MoreThis 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
19 - Identification and ranking of the marketing mix of services in the banking industry focusing on financial services & Investment using DEMATEL
Reza Mohammadkazemi saeed kardar Mahnaz PourizIn the current competitive market, identify the major factors affecting the behavior of consumers is considered very important. Every organization needs to know to capitalize on one of the highest yield will be. The banks with the complex world of competition that they MoreIn the current competitive market, identify the major factors affecting the behavior of consumers is considered very important. Every organization needs to know to capitalize on one of the highest yield will be. The banks with the complex world of competition that they face, they need to recognize these factors. The factors that the manufacturing industry is different. Therefore, banks need to identify its own marketing mix and also have knowledge of the most important factors. Therefore, after reviewing research literature, these factors combined to identify and then using DEMATEL, to rank them and thus introduce the most important factor. According to the results, of which the price and the staff are most effective. Manuscript profile -
Open Access Article
20 - 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 DamankeshidehThis 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 MoreThis 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
21 - Presentation of Risk Management Model in Digital Banking - A rational approach
narjes heydarzadeh aghdamNow 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 MoreNow 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
22 - The Effects of Social Performance Indices on the Credit Risk of Iranian Banking Industry
Saber Akbarian Ali Asghar Anvary Rostamy Nader Rezaei Rasoul AbdiThis 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 MoreThis 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
23 - Designing a quality model of integrated marketing communications for specialized banks in Iran
Hadi Kamarei vahidreza mirabi Esmaeil Hasanpour Ghoroghchi Farhad HanifiThe 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 MoreThe 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 -
Open Access Article
24 - Providing a model of value creation with customers in the banking industry from a phenomenological perspective
Amirali koushki Fataneh ALIZADEHMESHGANI Nasser Fegh-hi FarahmandCreating 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 MoreCreating 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
25 - Provide a financing social businesses pattern for through the banking industry
ramin alizadeh parviz saeidi Maryam bokharayan majid nasiriToday, 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 MoreToday, 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 -
Open Access Article
26 - Environmental Niche Capacity and Peer Effect in Funding Liquidity Risk of Banks
Tayebe Bakhtiarian Gholamhossein Asadi Hossein Abdo Tabrizi Teymor MohammadiPeer 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 MorePeer 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 -
Open Access Article
27 - Future scenarios of the banking industry
morteza TAVAKOL Akbar Etebarian Amirhushang Heidari Amirreza NaghshChanges in customer needs, behaviors and expectations,Trends in digital technology, banking business trends and the emergence of non-bank competitors (fintech), intensifying market competition between banks and non-bank credit institutions, changing pricing models and c MoreChanges in customer needs, behaviors and expectations,Trends in digital technology, banking business trends and the emergence of non-bank competitors (fintech), intensifying market competition between banks and non-bank credit institutions, changing pricing models and costs of banking services, changing the ecosystem of banking activities and rules and The new regulations have challenged banks. The advent of distributed networks such as blockchain, by creating transparency in transactions and open participation in operations, has moved the banking and business processes towards an automated, coordinated and unreliable global framework; While aiming to reduce intermediaries, it also warns banks of the risk of eliminating banks or reducing customers. The present study examines the banking industry by asking the question "What are the future scenarios of the Iranian banking industry?" with library studies and combining two qualitative and quantitative approaches, "Schwartz critical uncertainties" and "Cross impact analysis" and constructing four scenarios: "Phoenix Rises" "Busy Architects-Drugs Awake" "Farang City" and "Burnt City", and analysis of factors and drivers affecting the banking industry, pave the way for charting the future of the country's banking industry and creating and maintaining their competitive advantage has done. Manuscript profile -
Open Access Article
28 - 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 RanjbarThe 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 MoreThe 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
29 - 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 -
Open Access Article
30 - 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 -
Open Access Article
31 - 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 -
Open Access Article
32 - Design and Formulation of Strategic Liquidity Management Strategies in the Banking Industry (Case study: Rafah Bank)
Alirahm Bagheri Azar Moslemi Masoud Taherinia Ebrahim GivakiThe 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 MoreThe 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 -
Open Access Article
33 - Designing, Evaluating and Prioritizing Sepah Bank's Marketing Strategies in the Banking Industry
Hoossein Adelkhani Farideh Haghshenas Kashani -
Open Access Article
34 - Future Study of Marketing in the Banking Industry with a focus on Blockchain Technology
Majid Ahmadi Alireza Rousta Mohammad Hasan Maleki Farzad Asayesh -
Open Access Article
35 - Designing a Systemic Model for Promoting the Adoption of Virtual Banking in Iran's Banking Industry
Monireh Akbari Mahdi Mahmoudzadeh Vashan Hossein Hakimpour -
Open Access Article
36 - 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 -
Open Access Article
37 - Sociological explanation of the banking industry on the development of the sports industry
reza sadeghpour mohammad reza esmaeili tayyebe zargarThe 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 MoreThe 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
38 - 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 AsayeshObjective: 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 MoreObjective: 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
39 - Explaining the future scenarios of banking industry brand credit with a future research approach
Hossein Zolfaghardehnavi Mehdi Mohammadzadehvashan Hossein Hakimpour Hamid RezaeifarAs 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 MoreAs 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
40 - Financial performance of the banking industry method vikor
Farzin Rezaei Hamed GheibdoustEvaluation 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 MoreEvaluation 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
41 - 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 -
Open Access Article
42 - Designing a Model of Supply Chain Resilience in Iranian Banking Industry
Maghsood Amiri Zahra Hasani Farhad HadinejadThe 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 MoreThe 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 -
Open Access Article
43 - Investigation the Influence of Lean on Information Technology Productivity in the Iranian banking Industry
Roghayeh yonnesi Roksana Fekri Marzieh BabaeianpourThe 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 MoreThe 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
44 - 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 GhafariThe 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 MoreThe 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
45 - A survey on organizational justice according to work groups (study case:state bank)
golnaz Mehdi Asri Hossein Safarzadeh Mohammad Reza rabiee mandejinThe 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 MoreThe 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
46 - Interpretive Structural Modeling (ISM) of Intellectual Capital Components
Mohammad Saleh Owlia Kosar Roshani Mohammad Hossein Abooei -
Open Access Article
47 - 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 Gelardهدف 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 ( Moreهدف 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) می‎باشند. روش نمونه‏گیری ،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 می‎باشد 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 می‏باید 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 گرفته‏اند. 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
48 - Comparison of the impact of business environment on the development indicators of the banking industry In developing and developed countries
marjan damankeshidehThe 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 MoreThe 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
49 - The impact of Information and Communication Technology (ICT) on labor productivity: a case study of banking industry
Alireza Daghighi Asli Saleh Ghavidel Parima bahrami zonouzThis 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 MoreThis 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
50 - Explaining customer engagement to createing value in the banking industry of Iran based on perceived value
سید محمد کامل حسینی صمد عالیAbstract 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 MoreAbstract 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
51 - 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 نادریانAbstract 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 MoreAbstract 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
52 - 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 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
53 - 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 aslBanks, 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 MoreBanks, 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
54 - 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 aghayousefiGiven 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 MoreGiven 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
55 - Designing and providing marketing services for Sepah Bank in the banking industry
Hosein Adelkhani farideh hagh shenas kashaniBased 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 MoreBased 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
56 - 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 namaghiThe 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 MoreThe 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
57 - 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 pourgholiIntensifying 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, MoreIntensifying 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
58 - Interpretive structural modeling of factors affecting the application of Blockchain technology in Banking industry of Iran
maryam yazdanirad Mehran keshtkar, mahmoud ahmadi, farzad asayeshThe 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 MoreThe 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
59 - 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 KheiriThe 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 MoreThe 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
60 - 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 MandejinThe 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 MoreThe 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
61 - Segment Report Patterning in Iranian Banking Sector
سید علی اکبر میرعمادی جواد رضازاده بهروز خدارحمیAbstract 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 MoreAbstract 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
62 - Validation of value creation pattern with customers in the banking industry-Case study: Bank Mellat
Amir Ali Koushki Fataneh Alizadeh meshgani Nasser Fegh-hi FarahmandAbstractThe 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 MoreAbstractThe 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
63 - 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 ZareiThis 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 MoreThis 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
64 - 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 AlirezaeiThe 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 MoreThe 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
65 - Designing a credit portfolio optimization model in the banking industry using a meta-innovative algorithm
ali asghar tehrani poor Ebrahim Abbasi Hosein Didehkhani arash naderianThe 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 MoreThe 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
66 - Investigation of the financial marketing model of Melli Bank of Iran with emphasis on customer segmentation
mahdi dadras sina nematizadeh azam rahiminikThis 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 MoreThis 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
67 - 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 MaghariMarket 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 MoreMarket 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
68 - Developing a Model of Factors Affecting the Profitability of the Banking Industry Based on Structural-Interpretive Modeling (Case Study: Tejarat Bank of East Azarbaijan Province)
Shapour rahmani Soleyman Iranzadeh Yaqhoub Alavi MatinRecent turmoil in the global financial system has highlighted the importance of a well-performing financial system for economic growth. A healthy and profitable banking industry can better withstand negative shocks and help stabilize the financial system. Accordingly, t MoreRecent turmoil in the global financial system has highlighted the importance of a well-performing financial system for economic growth. A healthy and profitable banking industry can better withstand negative shocks and help stabilize the financial system. Accordingly, the purpose of this study was to develop a model of factors affecting the profitability of the banking industry based on structural-interpretive modeling in Tejarat Bank of East Azerbaijan Province. This research was based on the purpose of applied-developmental research. The statistical population of the study was divided into two sections: managers and heads of branches of Tejarat Bank of East Azerbaijan Province and research experts to determine the pattern of relationships between factors affecting profitability. Two questionnaires were used to collect data, the validity and reliability of which were assessed based on the construct validity and Cronbach's alpha coefficient. In order to analyze the data, confirmatory factor analysis and structural-interpretive modeling have been used. Findings show that the factors affecting profitability can be classified into twelve indicators and three main components. Also, the results of structural-interpretive modeling show that for the profitability of Iranian banks, primarily government factors are important, followed by economic factors and finally the specific characteristics of the bank Manuscript profile -
Open Access Article
69 - Banking Industry Macro Strategies through Scenario Approach
farhad shamshiri Abdulhamid EbrahimiThe 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 MoreThe 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
70 - Designing and Formulating Strategic and Marketing Strategies of Sepah Bank with a View to the Future
hosein Adelkhani farideh hagh shenas kashaniThe 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 MoreThe 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
71 - Designing and Explaining the Model of Innovative Leadership in the Country's Banking Industry
Ardavan, Gholamali pour Hassan Reza Zeinabadi Hassan Rangriz Akbar HasanpourThe 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 MoreThe 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
72 - 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 ImankhanIntegrating 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 MoreIntegrating 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
73 - Identify and Prioritize the Factors aFfecting the Process of Opportunity Recognition in the Field of Information Technology Banking Industry
Afsaneh Ozaee Mehran Mokhtari
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