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
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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
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