List of Articles bank

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  1 - Evaluation of entrepreneurship specifications: The case of Saman Bank employees
  پيمان  اخوان محمدرضا  زاهدی تکتم  ژیان
  Considering the importance of maintaining process in global markets and the today's world competitive field, innovation, creativity and entrepreneurship organizations generally and in financial organizations such as Banks specially, can have a significant role in receiv More

  Considering the importance of maintaining process in global markets and the today's world competitive field, innovation, creativity and entrepreneurship organizations generally and in financial organizations such as Banks specially, can have a significant role in receiving to the economic goals, therefore it seems necessary that each organization tries to examine and recognize the entrepreneurship qualifications of its employees, so by training this labor and persisting proper approach, can reach to the entrepreneurship process. Therefore, this study gets to through evaluating entrepreneurship qualifications of bank employees in dependency, and creativity will and determination, risk taking, success) in respect of the rate of having these qualification. Other objects of this study is determining the effects of employees sex marital state ,record of work and place of work on their entrepreneurship ,statistical population includes 110 employees of SAMAN bank and sample size of the research is 85 person who were chosen by casually sampling. For collecting data entrepreneurship comprehensive test questioning has been used which includes 54 questions about entrepreneurship qualifications stability and validity.co-efficient of the above said questioner is 71 percent. Statistics analysis has been done using SPSS software. In this research, we explored the level of the personnel entrepreneurship qualifications of SAMAN bank employees, so that this can be an introduction for the organization to progress through the entrepreneurship activities. The result of this research shows that although SAMAN bank s employees don’t have the necessary minimum for being entrepreneurship, but 22 percent of them are qualified for entrepreneurship. Also SAMAN bank employees, don’t have the average of dependency, creativity, and risk taking. The number of female employees in respect of having the dependency qualifications is more than male employees and, men who have risking (risk taking) and success qualifications are more than woman. In the case of creativity the number of both groups is the same. Furthermore, the results show that the employees' sex, marital status and place of services have no influence on entrepreneurship between records of work of the employees and their entrepreneurship. Manuscript profile
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  2 - 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
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  3 - 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
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  4 - 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
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  5 - 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
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  6 - Identifying factors affecting bancassurance desks efficiency, Case study: Bank MELLAT and MA Insurance
  حمیدرضا نورعلیزاده علی  بنیادی نایینی Mohsen Sadeghi
  A majority of studies around efficiency assessment just estimate it. Indeed, they don’t address the roots of inefficiency of DMUs. These shortcomings could be resulted from silo approaches conducted by researchers. Our research aims address this gap. We propose a two-st More

  A majority of studies around efficiency assessment just estimate it. Indeed, they don’t address the roots of inefficiency of DMUs. These shortcomings could be resulted from silo approaches conducted by researchers. Our research aims address this gap. We propose a two-stage procedure in which first, the efficiency of bancassurance desks are estimated by DEA (Data Envelopment Analysis) and then, roots of inefficiency are identified by a survey designed based on enabler section of European Foundation for Quality Management model (EFQM) and conducted among bancassurance desks employees. This study is applied in terms of purpose, and mathematical as well as statistical in terms of data analysis. The population of this study consisted of all bancassurance desks of BANK MELLAT in 2015. After efficient and inefficient branches of bancassurance have been estimated and ranked, in order to identify factors affecting efficiency, a questionnaire designed according with criteria of EFQM. Reliability of questionnaire was tested by Cronbach's alpha coefficient, and normal distribution of data was tested by using the Kolmogorov-Smirnov test. The effects of variables (factors) on efficiency were evaluated via regression analysis, then obtained answers were tested for research questions. The results of ranking the impact of factors on the efficiency of bancassurance desks showed that employees, partnerships and resources, products and services, strategy, and leadership are the efficient factors, respectively. Manuscript profile
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  7 - Impact of privatization through exchange on the performance of banks in interest-free banking system based on economic resistive criteria
    Mohammad Nasr Isfahani Mahmood Pirzadi
  After Islamic Revolution in Iran, all private banks were announced public based on Article 44 of the constitution. Accordingly, all private banks were replaced by public integrated banking system. However, establishment of credit financial institutions since1997 paved t More

  After Islamic Revolution in Iran, all private banks were announced public based on Article 44 of the constitution. Accordingly, all private banks were replaced by public integrated banking system. However, establishment of credit financial institutions since1997 paved the way to establish private banks. Finally, central bank announced its agreement for establishment of private banks in February 1998. In April 2000, the law of establishment of non-public banks was passed. In this study, the performance of private banks during 2005 to 2015 was assessed to investigate their failure or success. Additionally, using the Delphi method and investigation of balance sheet of banks, a comprehensive reportwas obtained from status of privatebanks and the impact of privatization on the banking indicators was examined. The results of assessment of balance sheets and obtained data obtained show privatization of banks had a positive impact on efficiency and profitability of banks.In addition, according to the results, "Premium Features" of private banks compared to public banks includedreducedtotal costs of money, reducedoutstanding loans and doubtful debts of the bank, reduced gap between the interest rate paid on deposits and interest received from a given facilities, updating and creating a modern information structure of banking, providing new service, increased productivity of human resources, using specialists and educated manpower, increased profitability, creating a competitive environment and transparency of information, reduced reliance on central bank at deficits times, and management of risk.In addition, by using the Delphi technique, "Top Premium Features" of private banks compared to public banks were obtained and they were weighted using FANP method. Accordingly, four criteria of reduced total costs of money, reducedoutstanding loans and debts, creating a competitive environment and increased productivity of human resources had the highest weights, respectively. Manuscript profile
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  8 - Developing a hybrid model to clustering Tehran Stock Exchange companies using meta-heuristic algorithms
    Ali Mohaghar
  Investment decision, have always has been one of the most important issues. Investors are trying to achieve the highest efficiency and the least risk by selecting the best companies from Among a wide variety of companies considering to various financial indicators. Acco More

  Investment decision, have always has been one of the most important issues. Investors are trying to achieve the highest efficiency and the least risk by selecting the best companies from Among a wide variety of companies considering to various financial indicators. Accordingly, today, there are many ways to analyze the data from this company. One of the ways is clustering that classification of the companies. However, the present study aimed to identify and distinguish successful from unsuccessful companies in Tehran Stock Exchange has been done using K-means clustering. Then this problem is solved using meta-heuristic algorithms. The results indicate that meta-heuristic algorithms compared with conventional methods, more efficient and have led to a global optimum. Also these results of Altman’s bankruptcy model were confirmed results of meta-heuristic algorithms. Manuscript profile
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  9 - 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
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  10 - 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
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  11 - Identifying and Prioritizing Expectations of Internet Banking Users Using Fuzzy Multiple Criteria Decision Making
  Masoud Moosavi Nezhad Alireza Shahraki
  Nowadays, with the acceleration of the development of information and communication technology in the world and the need for trade in the presence of banks to transfer financial resources, the importance of using Internet banking has become more prominent. At the moment More

  Nowadays, with the acceleration of the development of information and communication technology in the world and the need for trade in the presence of banks to transfer financial resources, the importance of using Internet banking has become more prominent. At the moment, it seems that banks have to pay close attention to Internet banking, one of the important branches of electronic banking, and to take more effective steps towards the culture and education of this method. The purpose of this study was to identify and prioritize the expectations of internet banking users and rank the banks based on expectations by fuzzy multi-criteria decision-making methods. Following library studies and expert opinions, user expectations were identified and a questionnaire was developed based on the hierarchical analysis process, and the views of 20 experts were gathered. The results of this method indicate that the criteria for ease of use, access, and professional services have more weights and ranked first to third. Therefore, with respect to the product, prioritizing the expectations of Internet banking users, it is possible to analyze and prioritize different customers, and design and manage the services according to their needs. Manuscript profile
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  12 - Investigating the behavior of bank customers after the merger of branches with the development of a cluster analysis model; Case Study: Mellat Bank
  رضا قسمتی
  The emergence and expansion of new service channels in banks, the large number of branches in the service network of banks, and the high cost of the branch, on the one hand, led the banks to reduce the number of branches and the integration of smaller branches in other More

  The emergence and expansion of new service channels in banks, the large number of branches in the service network of banks, and the high cost of the branch, on the one hand, led the banks to reduce the number of branches and the integration of smaller branches in other branches, but factors such as the loss of customers , Brand coverage, social security deprivation, etc., have created considerations for banks in integrating branches. In this paper, a comprehensive overview of the literature on mergers of bank branches and similar issues was first discussed and influential variables were identified in the problem. Then, the behavior of customers influenced by the merger of branches as one of the key variables affecting the problem has been investigated. For this purpose, a five-step model has been developed in this paper, with its main core of cluster analysis techniques. Finally, in order to demonstrate the effectiveness and applicability of the developed model, a case study of Mellat branches has been used in the country. Manuscript profile
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  13 - Designing Sustainability Comprehensive Framework for Banking: Using Meta Synthesis and Structural Modeling Interpretation
  Emad Nobahar Mahmoud Dehghan Nayeri Adel Azar Ali  RajabZadeh ghatari
  Today, bank Businesses are pressured by their stakeholders to address sustainability issues in their activities. Consequently, attention to sustainability and social responsibility in the banking business is increasing day by day. Accordingly, the main purpose of this s More

  Today, bank Businesses are pressured by their stakeholders to address sustainability issues in their activities. Consequently, attention to sustainability and social responsibility in the banking business is increasing day by day. Accordingly, the main purpose of this study is to provide a framework for sustainability in bank Business. To this end, by using the Meta-synthesis approach, the 268 open codes related to sustainability in the banking industry were extracted from related articles and related studies and these open codes formed 59 axial codes. Then, these axial codes were categorized based on similarities in concepts to 10 themes of economic partnership, financial factors, energy use, environmental action, community participation, development of human resources, customer relationship, products and services, human rights issue , and governance. In the following, they were categorized into four including economic, social, and environmental and governance sustainability. Moreover, ISM structured the relationships between the themes while leveling them in a structural model based on the experts’ interprets. According to the results, the theme of human rights is at the lowest level and considered as the basis for bank sustainability. In addition, human rights, human resources, products and services, and customer relationship themes were placed in the independent area of the MICMAC chart that shows the key role and influence of these factors on other factors in the sustainability of bank business. Manuscript profile
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  14 - 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
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  15 - Identify the critical factors for sustainable banking success with a mixed approach
  Alireza Aliahmadi Mir Hamid Taghavi Ali Bonyadi Naeini
  A new concept in the area of achieving sustainable development goals is sustainable banking which is of particular importance in developing countries. To succeed in achieving sustainable banking goals, it is necessary to identify and conceptualize the underlying factors More

  A new concept in the area of achieving sustainable development goals is sustainable banking which is of particular importance in developing countries. To succeed in achieving sustainable banking goals, it is necessary to identify and conceptualize the underlying factors. This paper aims to identify the critical factors for sustainable banking success. This paper is an applied research in terms of purpose and has been done with a cross-sectional survey approach. Semi-structured interviews and expert questionnaire were used for data collection. The statistical population of the study consists of managers and experts of the central bank selected by purposeful sampling from among these experts. The research methodology is a mixed (qualitative-quantitative) approach. In the qualitative phase, the thematic analysis method is used to identify the critical factors for sustainable banking success. Then, at the quantitative stage, the identified factors are screened and prioritized based on the Fuzzy Delphi and SWARA method. The results show that the critical success factors of sustainable banking can be categorized into three factors: input factors, process factors and output factors. Support entrepreneurs, marketing management, clear regulation and process evaluation are of the utmost importance in the field of sustainable banking. Manuscript profile
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  16 - 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
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  17 - 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
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  18 - Universal Banking Modeling Based Staff Empowerment
  hamidreza kazemi naser hamidi babak hajikarimi
  Nowadays, industries, especially the banking industry, are facing a much more complex environment than the past decade. Therefore, they have to adapt to the environment to obtain and maintain their competitive edge. The traditional banking system is no longer efficient More

  Nowadays, industries, especially the banking industry, are facing a much more complex environment than the past decade. Therefore, they have to adapt to the environment to obtain and maintain their competitive edge. The traditional banking system is no longer efficient enough, while a universal banking system can provide more varied services to a more diverse clientele. Considering the radical humanist paradigm in the analysis of social theories and a focus on the effectiveness of capable human resources for the correct implementation of universal banking in Iran, the present paper aims to propose a universal banking system focusing on the empowerment and skill development of bank employees. This study used the Delphi fuzzy method to select experts and classify and analyze their responses. Further, the Linear Programming and , FGTMA-FDEMATEL and screenwriting method was used to identify and investigate the criteria correlationsand map the network relationships. Arobust statisticalmethod was used to solve optimization problems based on data uncertainty.and lingo software was used to solve the problem. The results drawn from the model indicated that factors such as employee decision-making ability, responsibility towards executing a decision, access to decision tools, and employee self-efficacy sources influence the empowerment of employees and correct implementation of private, corporate,business, and investment banking. Further, they showed that sense of competence, motivation, participation, sense of effectiveness, and information technology influence universal banking. In addition, training and reward influence all types of universal banking Manuscript profile
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  19 - 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
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  20 - 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