بانک

Open Access Article

1 - Analysis the elements and components of managers competency managers in the banking system
فريبرز رحيم نيا وجیهه هوشیار

Today’s in the changing environment, we need new skills for people in the organizations. Competency models provide useful instrument for organizations. Competencies result in productivity and reduce costs. The aim of this research is to analysis the elements and compone More

Today’s in the changing environment, we need new skills for people in the organizations. Competency models provide useful instrument for organizations. Competencies result in productivity and reduce costs. The aim of this research is to analysis the elements and components of managers competency models in the banking system. In this research competency include knowledge, skills, abilities and personal attributes. Sample of this paper is managers of the public bank. So we conduct semi-structured interviews with managers. Interviews were analyzed with content analysis and managers competency models was produced. Competency model has three levels. First level includes four domains: technical domain, environmental domain, managerial domain, personal domain. Second level have eight element: general knowledge, specialized knowledge, marketing, awareness of environment, correct management of the bank, human resource management, interpersonal, intrapersonal. Finally, third level include 42 competency component in the banking system. Manuscript profile

Open Access Article

2 - Designing a Fuzzy Expert System For Measuring E-Banking Service Quality
shohreh nasri علیرضا حسن زاده علی رجب زاده

With dramatic development of information technology and its widespread applications, increasing dependence on information technology and the increasing complexity of technologies and services which used in organizations, the management of these technologies and services More

With dramatic development of information technology and its widespread applications, increasing dependence on information technology and the increasing complexity of technologies and services which used in organizations, the management of these technologies and services is more difficult. Hence,wiith the development of IT-based banking services,including electronic banking services,the requirement methods which evaluate the quality of these services in the organization has been increased. Therefore, in this study, a comprehensive model for more accurate measurement of e-banking service quality through an extensive literature review and questions from experts in this field is presented using Fuzzy Delphi Technique. In this regard,after the identification of relevant dimensions and criteria, since the traditional scale can not accurately evaluate the e-banking service quality in the terms of the uncertainty , these dimensions and criteria are to be fuzzified,then the fuzzy expert system conceptual model is presented.Finally, a fuzzy expert system with 5 fuzzy module and a graphical user interface is provided in MATLAB.The fuzzy expert system indicate the final status of e-banking service quality and the main dimension.In this paper, the application of this system has been has been examined in the Sina bank. Finally by calculating expert system errors, optimum performance of designed fuzzy system has been approved which is evaluated by sina bank information . Manuscript profile

Open Access Article

3 - Identify factors affecting Internet Banking Service Quality Case Study: Mellat Bank customers
maryam akhavan مجید باقری

Today, service quality, sustainable competitive advantage for the bank to bring it helps to create value and customer satisfaction. Therefore, improving the quality of customer service is vital for them. This study examined the factors affecting customers' perception of More

Today, service quality, sustainable competitive advantage for the bank to bring it helps to create value and customer satisfaction. Therefore, improving the quality of customer service is vital for them. This study examined the factors affecting customers' perception of Internet banking through careful investigation of the main studies as well as different models provided for quality assessment of electronic services. Based on the findings, an optimal model for the quality assessment of Internet banking services provided by Mellat Bank was designed. The statistical population included customers of the Internet banking services provided by Mellat Bank in Isfahan. Data collection was done using a questionnaire whose validity was confirmed according to experts' opinions and the reliability of the test was assessed using Cronbach's alpha for the initial sample and for the main test performed on all subjects in the statistical population, showing a high reliability. The second-order factor analysis was used to test the research hypotheses and prioritize the factors affecting the quality of electronic banking services. The findings showed that website design, responsiveness, empathy, guarantee, efficiency, security/trust, and compensation for damage were the most effective factors (in the order of significance) in the quality of Mellat Bank on-line Internet banking services. Manuscript profile

Open Access Article

4 - یک مدل پیش بینی برای شناسایی مشتریان اعتباری بد حساب در بانک سامان
siamak noori

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Open Access Article

5 - طراحي مدل سیستم خدمات انعطاف پذیر FSS در نظام بانکی
freshte amin

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Open Access Article

6 - Identifying Evaluation Criteria for the Political Behaviors of Chief Administrative Officers at Bank Maskan Iran Using DEMATEL - Fuzzy Delphi Technique
Naser Poursadegh Rashid Zolfaghare zaferani Amir Rezaee

The role of effective and efficient management is becoming more important in today’s competitive world which is undoubtedly full of complexity, ambiguity, and uncertainty in challenging situations, competitions, and conflicts. People associate power with many advantages More

The role of effective and efficient management is becoming more important in today’s competitive world which is undoubtedly full of complexity, ambiguity, and uncertainty in challenging situations, competitions, and conflicts. People associate power with many advantages; therefore, they make many efforts to gain it in organizations. Battling for power raises the discussion of political behaviors in organizations. The aim of this study was to present a multi-index decision-making fuzzy hybrid model of qualitative analysis to identify the dimensions and indices of political behavior occurrence among CAOs at the branches of Bank Maskan in Tehran by using a fuzzy Delphi technique. Moreover, the decision-making trial and evaluation laboratory (DEMATEL) technique was employed to determine how influential and influenceable the indices were. The statistical population included 20 CAOs (Bank Maskan) with at least 10 years of executive and management experience. The research results indicated that Personal Characteristics became known as the most influential dimension with the highest value of (R-J) (1.244) among the evaluation criteria for political behaviors of CAOs at Bank Maskan. Moreover, Occupational Attitudes became identified as the most influenceable dimension according to the lowest value of (R-J) (1.358). Given the highest value of (R+J), Personal Characteristics interacted the most with other dimensions (1.244). Manuscript profile

Open Access Article

7 - The effect of risk and resources on Firm's growth strategies in high tech industries
mohsen Parsajam Bahman Hajipour Esmaeil Fadaei Nejad

During the last decade there was a well known strategy to support startups and enterprenuers to stabilish firms in high tech industries. despite the position of high-tech industries has been weakened especially in export share. Growth strategies utilized by high-tech fi More

During the last decade there was a well known strategy to support startups and enterprenuers to stabilish firms in high tech industries. despite the position of high-tech industries has been weakened especially in export share. Growth strategies utilized by high-tech firms can improve the position. Growth strategies help firms to increase their market share and sale revenues. Hence, current study aims to designate and validate growth strategies of high-tech firms. Research model has been proposed based on the extended literature, the situation of high-tech industry, and experts' views. Data is gathered by a self-administrated questionnaire and would be analyzed by structural equation modeling using SPSS 18 and LISERL 8.54. Population is managers of high-tech firms in Iran. A convenience sampling approach is employed to collect estimated sample. Data achieved from 451 respondents was analyzed. Results indicated that: 1) growth strategies of high tech firms affect their outputs, 2) resources affect growth strategies of high-tech firms, 3) multiple risks affect the utilization of resources by the high tech firms, and 4) high tech firms provide the needed resources for their growth based on the outcomes in terms of profit and/or attractiveness Manuscript profile

Open Access Article

8 - Evaluation efficiency of the internal structure of decision making units in the past, present and future using dynamic network data envelopment analysis and artificial neural network
javad niknafs mphammadali keramati jalal haghighatmonfared

Network data envelopment analysis models and dynamic network data envelopment analysis models cannot evaluated the future performance of the internal structure of decision-making units .In other words, all NDEA and DNDEA models evaluate the past performance of their DMU More

Network data envelopment analysis models and dynamic network data envelopment analysis models cannot evaluated the future performance of the internal structure of decision-making units .In other words, all NDEA and DNDEA models evaluate the past performance of their DMUs and their internal structure, and measure their efficiency and inefficiency, and ultimately rank them based on that assessment .In this paper, we are going to evaluation the future efficiency of deposit and lending sections in bank branches. In order to notified inefficiencies in the internal structure of a unit before the occurrence, we will prevent it.This approach can change the role of managers from the evaluator to the planner .First, using the literature of the subject and opinion of the experts, the structure of the bank branches and the network variables were determined .Then, the values of variables are forecasted using the artificial neural network for the next two periods.Finally, a DNDEA model is formulated using the values of past periods and predicted values.Using its efficiency, its branches and its internal structure have been evaluated in the past, present and future. Manuscript profile

Open Access Article

9 - Organizational Strategic Fitness of Sepah Bank: A Study in Branches of Shiraz city
Jafar Torkzadeh Kobra Pour Karim somayeh mezginezhad

20.1001.1.22286047.1400.20.67.5.7

The purpose of this study was to Organizational Strategic Fitness of Sepah Bank: A Study in Branches of Shiraz city. In this descriptive-survey study, the statistical population of Shiraz Sepah Bank employees (including 692) was employed in 50 branches in Shiraz city. T More

The purpose of this study was to Organizational Strategic Fitness of Sepah Bank: A Study in Branches of Shiraz city. In this descriptive-survey study, the statistical population of Shiraz Sepah Bank employees (including 692) was employed in 50 branches in Shiraz city. The first part was demographic information and the second part was a strategic fit questionnaire. The Strategic Approach Inventory includes 42 items in 3 dimensions of Strategic Response, Strategic Change and Strategic Success, whose validity and reliability were reviewed and approved. Data were analyzed using SPSS18 software, t-test, single-variable t-test, intra-group analysis of variance, benfronnial follow-up and combined variance analysis. The results showed that all dimensions of strategic fit of organization in Sepah bank branches of Shiraz were above average and lower than desirable levels (p=0.001). In terms of staff, the highest average was related to the strategic response (3.65) and the lowest mean for strategic success (3.50). The result of post hoc test showed that there is a significant difference between the mean strategic response and strategic success, but there is no difference between the other averages. There are significant differences in gender, educational qualification and work experience in evaluating the organizational dimensions of the organization based on demographic characteristics, but there is no difference between the viewpoint of managers and employees of Sepah Bank from the strategic alignment of the organization. Manuscript profile

Open Access Article

10 - Explaining and Designing a Model of employee performance management with integrated approach in the governmental banking systems with methasynthesis and structural-interpretive method
Maryam Fahima daruosh Gholamzadeh Ahmad vedadi

This article is aimed at designing and explaining the integrated pattern of employee performance management in the country's state-owned banks. In order to achieve this goal, first the integrated categories of integrated performance management have been identified and v More

This article is aimed at designing and explaining the integrated pattern of employee performance management in the country's state-owned banks. In order to achieve this goal, first the integrated categories of integrated performance management have been identified and validated, and finally, by determining the model of causal relationships of these elements, the final model has been obtained. This research is based on empiricist philosophy and deductive-inductive method. The present study is a fundamental research in terms of purpose, and in terms of data collection method, it’s a cross-sectional research. In this research, mixed method (qualitative & quantitative) has been used. The statistical population of this article includes professors and experts with management experience in SepahBank and has been used to sample the method of bullet and snow. The sampling process continued until theoretical saturation was achieved, and finally 11 managers of the central offices of SepahBank participated in this study. To identify the infrastructural categories of employee performance management, a metasynthesis method has been used and by using interpretive-structural modeling, an integrated staff performance management model has been presented. Data analysis was performed with MaxQda and MicMac software. The results show that among integrated management structures, performance, planning and targeting and organizational culture have high penetration power and have low effectiveness. So the variables are independent. The two variables of knowledge management and coaching have high penetration power and dependency, so they are transferable variables. Employee performance management variables and performance analysis and revision are also highly dependent but have little influence, so they are dependent variables. Manuscript profile

Open Access Article

11 - Designing a Comprehensive Personal Productivity Assessment Model for the Personnel in Banking Industry
Ali Nemati Hojjat Taheri Goodarzi Parvaneh Gelard Yadollah Abbaszadeh Sahroun

20.1001.1.22286047.1400.20.69.2.8

The present research aims at designing a comprehensive personal productivity assessment model for the personnel in the banking industry, which has been conducted with a combined (qualitative-quantitative) method. Objective sampling method has been employed for the resea More

The present research aims at designing a comprehensive personal productivity assessment model for the personnel in the banking industry, which has been conducted with a combined (qualitative-quantitative) method. Objective sampling method has been employed for the research where a number of university elite and experts as well as managers of the banking industry were elected as samples. Semi-organized interviews and closed-ended questions were used as the first and second stages of data collection. The method of analysis in the qualitative section was inductive thematic analysis and in the quantitative section was structural equations modeling, and the results of the research in the qualitative section is indicative of identifying 377 meaningful concepts or propositions resulting from 110 interview texts; however, taking into account the notion of concentration, the meaningful concepts and propositions were reduced to 137 primary themes. Further on, 15 subsidiary themes and 3 levels of main themes were identified. For the quantitative section, a structural pattern was presented for the correlation among the components which depicted that from among the 15 components constituting the personal productivity of the personnel in the banking industry, the highest ratio belongs to social intelligence with the value of 0.82 and the lowest ratio goes for professional competency wit the value of 0.49 Manuscript profile

Open Access Article

12 - Developing a business model framework for commercial banks with an open banking approach
seyyed hossein ouraee Mohammadrahim Esfidani Masoud Keimasi

Open banking is a new paradigm that is rapidly growing in the world banking industry. Moving towards open banking and using the capacities and potentials of cooperation with innovative businesses can draw a clear horizon for maintaining banking services' survival as one More

Open banking is a new paradigm that is rapidly growing in the world banking industry. Moving towards open banking and using the capacities and potentials of cooperation with innovative businesses can draw a clear horizon for maintaining banking services' survival as one of the macro banking strategies. But this requires a change in the traditional business model of banks. The purpose of this study is to provide a business model framework for commercial banks with an open banking approach. In this study, using banks' approach to participate in the financial ecosystem and the type of cooperation with third parties, four types of the strategic approaches and the dimensions of banks' business model in each situation are described. Accordingly, each bank can have one of the roles, including the integrator, producer, distributor, and the platform in open banking. In this research, a multi-case study research method has been used in which, based on the opinion of experts, three banks were studied, selected, and the dimensions of their business model were examined. Sepah Bank as a bank with an integrating role, Pasargad Bank as a bank with a producer role and Ayandeh Bank as a bank with a platform role were studied. According to experts in this field, no bank in Iran has the function of the distributor. The characteristics and the dimensions of each bank's business model vary according to their chosen approach to open banking and interaction with third parties Manuscript profile

Open Access Article

13 - Testing the Conceptual Model of Factors Affecting the Development of Service Innovation in the Banking Industry (Case Study: Bank Mellat, East Azerbaijan Province)
Behrouz Amini Naser Fegh-hi farahmand Soliman Iranzadeh

20.1001.1.22286047.1401.71.71.1.8

Innovation plays an important role in the banking industry, which is very competitive. In addition to their social responsibility obligations, banks are responsible for maximizing profitability and increasing shareholder wealth, and the only way for banks to achieve thi More

Innovation plays an important role in the banking industry, which is very competitive. In addition to their social responsibility obligations, banks are responsible for maximizing profitability and increasing shareholder wealth, and the only way for banks to achieve this desired result is through innovation. Therefore, the purpose of this study was to test the conceptual model of factors affecting the development of service innovation in the banking industry. This research has been based on an applied-developmental goal. In this research, in the first stage, using structural-interpretive modeling, the conceptual model of factors affecting the development of service innovation in the banking industry has been developed and in the next stage, using the path-structural modeling, the developed model has been tested. To collect the data, two researcher-made questionnaires were used, which were distributed among the members of the statistical sample after determining their validity and reliability. The statistical population in the model development section, experts familiar with the subject and in the model testing section, all managers, heads of branches and their deputies in Bank Mellat have been. Accordingly, 13 experts and 108 managers, heads of departments and deputies participated in two parts of the study as a statistical sample. Findings while showing different relationships between the dimensions of service innovation development in the banking industry, show that the process of new service development is the most influential factor and the organization and management are the most influential factor in the development of bank service innovation. Manuscript profile

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