• List of Articles bank

      • Open Access Article

        1 - The Effect of Strategic Innovation on Customer’s Willingness to Buying: The Moderator role of Innovation Capabilities
        esfandyar mohamadi vahid sharafi Saeid Vaisi
        The purpose of this study was to study the impact of strategic innovation on the Customer’s Willingness to Buying Through the moderator role of innovation capabilities. The research method is descriptive correlational. The statistical population of the research was all More
        The purpose of this study was to study the impact of strategic innovation on the Customer’s Willingness to Buying Through the moderator role of innovation capabilities. The research method is descriptive correlational. The statistical population of the research was all employees and customers of the Maskan bank of Ilam city, whose number in year 2017 was 90  and unlimited. Also The sample size was 73 and 384, which was used  to obtain of them a stratified random sampling and Morgan table. To assess validity, content validity was used which was approved by 8 professors in the field of management. Cronbach's alpha coefficient was used to investigate the reliability of the research, The alpha coefficient for all variables and dimensions was higher than 0.9 which indicates a high reliability of the questionnaires. Data were analyzed using descriptive and inferential statistics using pls and spss software. In order to test the hypotheses, partial Least squares analysis was used, That Confirmatory factor analysis was performed on questionnaires and all questions had a factor load above 0.5 and significant values higher than 1.96. In the end, according to the statistical results, all the assumptions were confirmed, meaning that strategic innovation and its indicators on the on Customer’s Willingness to Buying, Through the moderator role of innovation capabilities had a significant effect. Manuscript profile
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        2 - The Role of Media Advertising in the Expansion of E-banking Services )Case Study: Saderat Bank of Ardabil(
        Ali jafari
        The purpose of this study was to investigate the role of media advertising in the expansion of e-banking services of Saderat Bank of Ardabil. in terms of purpose, the present research is applied in terms of collecting survey information. the statistical population of th More
        The purpose of this study was to investigate the role of media advertising in the expansion of e-banking services of Saderat Bank of Ardabil. in terms of purpose, the present research is applied in terms of collecting survey information. the statistical population of this research includes all customers of Saderat Bank of Ardabil. regarding the uncertainty of the number of statistical population in this study, using the morgan table, the sample size is 384 people. samples were selected using multi-stage cluster sampling. SPSS software was used to analyze the data and regression test was used to analyze the hypotheses. the results of the research show that media ads with a beta coefficient of 0.79 and its three dimensions (informing with a beta coefficient of 0.602, convincing with a beta coefficient of 0.644, and a reminder with a beta coefficient of 0.669) on the expansion of the electronic banking services of Sadeghard Bank in the city of Ardebil has a significant positive effect.   Manuscript profile
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        3 - Providing an Entrepreneurial Banking Model in Bank Sepah with the Foundation Data Theory Approach
        Roohalla samiee
        The present study has been carried out in view of the rapid growth of banking activities in the business environment of the country and contributed to the further development of these activities in the banking industry. The ultimate goal of the research is to provide a More
        The present study has been carried out in view of the rapid growth of banking activities in the business environment of the country and contributed to the further development of these activities in the banking industry. The ultimate goal of the research is to provide a model for entrepreneurial banking according to our banking system so that it can cover the growing needs of banking. The sampling used in this article was theoretical sampling. After conducting interviews and collecting information, the codes obtained in different sections are analyzed and after the triple stages of open source coding, the axis and the choice of the final model are obtained by the researchers of this paper. The final version of the issue axial scientific terms, conditions meddler, strategies and finally, consequences and results of entrepreneurial banking is formed. Each of these conditions and the factors that make up the model has variables and categories that make them realize the general goals of entrepreneurial banking. Manuscript profile
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        4 - Investigating the Mediating Role of Commitment and Satisfaction in Relationship between Service Quality and Customers' Retention in Banking Industry (Case Study: Post Bank Iran - Langarud Branches)
        haniyeh alijani
        In recent decades, the intensification of competition among enterprises/businesses for gaining a greater share of the market has led them to more accurate and deeper understanding of the needs and demands of customers. This research investigates the mediating role of co More
        In recent decades, the intensification of competition among enterprises/businesses for gaining a greater share of the market has led them to more accurate and deeper understanding of the needs and demands of customers. This research investigates the mediating role of commitment and satisfaction in the relationship between service quality and customers' retention in Post Bank of Iran, Langarud branches. In terms of purpose, the present research is an applied one, and in terms of research design, it is descriptive correlation. The instrument is questionnaire answered by 119 clients Post Bank of Iran, Langarud branches. To test the research hypotheses, structural equations modeling with the partial least squares approach and Smart PLS were used. The results of the analysis showed that there is a positive and significant relationship between service quality, commitment, retention, and customers' satisfaction. Additionally, customers' commitment and satisfaction have a mediating role in the relationship between service quality and customers' retention. Manuscript profile
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        5 - Model to improve banking by Using customer knowledge management and Mobile Banking and Its Impact on Customer Loyalty
        narges rezaei malek
        With progress of communication technology in the past two decades, use of ICT has become a success factor in the world of competition. To increase competition in the banking industry of Iran, many banks are willing to offer a unique service to their customers. Investmen More
        With progress of communication technology in the past two decades, use of ICT has become a success factor in the world of competition. To increase competition in the banking industry of Iran, many banks are willing to offer a unique service to their customers. Investment of private banks has concentrated on the presenting special services. That has led to more successful in attracting and retaining customers. To evaluate the influencing factors on banking services improvement, information technology and knowledge management as key factors were identified. This paper is to identify the most effective indicators to assess the impact of knowledge management and information technology for improving customer service of bank on customer satisfaction.180 experts of Bank Mellat is selected as population. Sample size was calculated by using a random sampling method. 130 samples were obtained but 120 questionnaires Were returned. Data were collected through questionnaires. In order to analyze the data from the structural equation modeling and LISREL software was used. In order to ensure the accuracy of the results and sensitivity analysis, regression analysis were applied. Finally, the results show that the customer knowledge management and mobile banking have positive effect on performance of banking service, and improving this kind of services have positive effects on customer satisfaction. Manuscript profile
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        6 - Relation of emotional intelligence and trends of e-learning in organizations (Case study: Bank employees Alborz Province)
        Somayeh Ahari
        Today the world is moving toward a virtual space. Whereas the business, health, education, and many of the other activities would devote time and money in the past, by appearing the virtual space most of them have suitable function today. Educating is an inseparable par More
        Today the world is moving toward a virtual space. Whereas the business, health, education, and many of the other activities would devote time and money in the past, by appearing the virtual space most of them have suitable function today. Educating is an inseparable part of human which is entered to electronic world as individuals and organizations are gradually moving towards this type of educating. In this research, the relationship between emotional intelligence and trends of e-learning in organizations has been studied. The purpose of this study is applied and the research method is descriptive- survey. The questionnaire method was used to collect data. The Cronbach’s Alpha coefficient of the first questionnaire was obtained 0.76 and the second questionnaire was 0.83 which confirm the validity of the questionnaires. The content validity to test questions was used and for this purpose, experts, academics and experts were used. The population of this research is all the Alborz Province Bank Employees which 80 individuals were selected as sample size and sampling is done randomly. To analyze data the Spearman correlation coefficient and multiple regression was used. Finally all the theories proved. Self-motivation and self-awareness variables were determined as predictor variables which can entry into the ultimate regression equation to describe the tendency of employees to accept changes in their electronic education. Manuscript profile
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        7 - A Centralized core Banking model in cloud environment
        Meysam Bayeriyar
        The network structure of banking systems each bank separately from a central management system and a channel management system. Branches users and customers through different systems to the channel and their request by the central system handled and processing by the ce More
        The network structure of banking systems each bank separately from a central management system and a channel management system. Branches users and customers through different systems to the channel and their request by the central system handled and processing by the central system. But some banks don't has a central management system and have to use different systems, along with several service-providers to do things. this multiplicity of the system of service and , serving is real issue of this thesis, in which lead to various problems, over time, Including decentralization logical storage resources and application of the maximum processing capacity of the banking network. In this thesis is to increase efficiency and maximum use of processing capability and centralized storage systems in Cloud environments ,Different models were examined, and finally one of the proposed models is selected as the basic model and the necessary changes were done, the model is improved. In this study, the technical structure of the Bank has been studied. The Implementation of the proposed model, lead to increase efficiency, availability, and fault tolerance and reliability of the bank. With increasing flexibility, the bank is able to offer a more diverse service. Manuscript profile
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        8 - The impact of information and communication technologies to improve the information systems of Bank Melli Iran
        maryam Taghipour niasar
        One of the main problems in any organization, having the appropriate information whenever possible and convenient format for roles and related stakeholders. Information systems are the most widely used definition is exactly in line with this theme. National Bank with re More
        One of the main problems in any organization, having the appropriate information whenever possible and convenient format for roles and related stakeholders. Information systems are the most widely used definition is exactly in line with this theme. National Bank with respect to the volume of work and on occasion has provided the needed software systems. These systems are sometimes an island and do not incorporate an integrated architecture. The aim of this study is the impact of ICT on the organization of information systems. The project aims to improve the information systems of the National Bank by identifying and developing large-scale models, and the process to determine the definitions and basic concepts, identify and separate statistics are registered and non-registered design and production method Ghyrsbty statistics. Data collection questionnaire, population size, according to National Bank's research department was reporting 500 and 200 cases were calculated sample size. Data analysis is SPSS software. After reviewing the responses revealed a direct relationship between ICT and organization of bank information systems. This study confirmed the validity of the model. Tehran banks due to the lack of transparency in how the banks with foreign shareholders and its management regarding the responsibility to provide the required information and requires information systems Ykparchhayy transpires that ICT can help it's important to do. Information and communication technology by creating a platform for gathering and storing and retrieving information is correct, reliable, grouped, categorized, timeliness, and productivity archived ease and speed meet the needs of customers with the confidentiality and security of banking information systems has helped to continue to maintain the integrity of the other tasks. ICT can be fully integrated with connection information systems to provide accurate and consistent reports using valid data in the appropriate time frame and even send information to protect the security and integrity be of great importance Manuscript profile
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        9 - Developing A Suitable Data Model For Data Mining Application In Banking
        Shahideh Ahmadi
        Banking domains such as credit assessments, branch efficiency, electronic banking  is tremendous contexts for the broad application of the concepts of business intelligence and its methods include data mining, data warehouses and decision support systems. There are many More
        Banking domains such as credit assessments, branch efficiency, electronic banking  is tremendous contexts for the broad application of the concepts of business intelligence and its methods include data mining, data warehouses and decision support systems. There are many researches in the field of application of data mining in particular domains of banking, each of which analyzes the different entity of the banking sector, such as customers, facilities, accounts, and so on, but there isn’t research that comprehensively addresses all data mining applications in a bank, it integrates them, extracts and categorizes all banking entities for a variety of analytical applications and ultimately provides an appropriate data model according to the required attributes for the banking domains. Currently, information systems of Iranian banks are being developed for responding to new information needs. In this research by using content analysis method was investigated the content of valid research in the field of banking which was carried out with the data mining approach and by extracting the entities and attributes used in these researches is presented an appropriate data model for data analysis applications in banking. Information technology managers  by using this model can assess the status of the bank in terms of the richness of the data needed to conduct data analysis and consider the identified deficiencies in the future development plans of the information systems. After analyzing and evaluating previous researches, 28 entities and 423 attributes were identified and the last entity-relationship model was created. Based on the presented model, a measuring tool was provided as a checklist so that banks can use it to measure their status in terms of the richness of existing data and to measure their readiness from the perspective of the data to do the analysis. To confirm the last data model, were used idea of ten experts by questionnaires and interviews in different sections such as customers and public banking, finance and support, e-banking, credit and corporate affairs, IT domain and international affairs in the bank. Also, using data collected from the researches were presented frequency diagrams of the algorithms, techniques, sampling methods, performance indexes and data mining soft­wares that used in the researches. To decide which data mining algorithms are most used in different domains as an example. Manuscript profile
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        10 - Assessment of self-serving technologies according to customer’s continuous usage of self-serving banking services
        behnam golshahi
        This study has the goal of assessing and prioritizing self-serving technologies with a combined approach to continuous usage of electronic banking services. To achieve this goal we used literature review and interviewing banking experts to determine parameters affecting More
        This study has the goal of assessing and prioritizing self-serving technologies with a combined approach to continuous usage of electronic banking services. To achieve this goal we used literature review and interviewing banking experts to determine parameters affecting continuous   usage of self-serving technologies. And to prioritize these parameters we used paired comparison analysis questionnaires and fuzzy analytic hierarchy process.Validity of questionnaire was attained by content method and its stability was attained by calculating the rate of compatibility of aggregation matrix of experts’ opinions.  Statistical population of this research includes 30 managers and deputy managers of selected Saman Banks’s branches in the region of northern Tehran which by snowball sampling method 12 of them were selected to participate in this study. Data analysis were done using fuzzy AHP and using MATLAB software. Analysis of data showed that self-serving services have different weighs according to three parameters of customer value, quality of service and customer readiness in which POS devices (0.662 weigh) have the most usability and importance from the view of banking experts. Other services rank as ATM (0.181). Mobile banking services (0.101) and Internet bank (0.056) respectively. In addition ranking of self-serving technologies according to 14 indexes also justifies the previous results. Manuscript profile
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        11 - The Impact of Information Technology in the Banking System
        Mohammad sajadi
        Electronic banking is one of the achievements of e-commerce. The goal of e-banking is to provide customers with the ability to access banking services without the need for physical presence in the bank and using secure intermediaries. In this paper, we will consider the More
        Electronic banking is one of the achievements of e-commerce. The goal of e-banking is to provide customers with the ability to access banking services without the need for physical presence in the bank and using secure intermediaries. In this paper, we will consider the importance of using e-banking services as well as comparing them with the traditional banking system. Manuscript profile
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        12 - Analyzing the impact of macroeconomic variables on customer churn banking industry With data mining approach
        Mehrnaz Motahari nia
        Today, customer knowledge and understanding of its needs have become a business imperative. Organizations need customer satisfaction to sustain their business and succeed in a competitive market. Knowing customers through customer behavior analysis is possible with the More
        Today, customer knowledge and understanding of its needs have become a business imperative. Organizations need customer satisfaction to sustain their business and succeed in a competitive market. Knowing customers through customer behavior analysis is possible with the use of new technologies such as data mining techniques for organizations. The purpose of this research is to investigate the effective factors on Customers churn in the banking industry. For this purpose, the transaction data of sales terminals of a payment service provider company (PSP) in Iran has been analyzed. In the proposed model using the WRFM method and combining it with the K-Means clustering algorithm, sales terminals are split and loyalty each month. Then, using the additive selection method plus L take R and the multivariate linear regression algorithm, the effective features The percentage of customers discarded is selected from the monthly economic indicators per month. Based on the results of the implementation of the three variables, the index of stock market value, inflation and the price of all coins are the most effective variables among the economic indicators under study. Manuscript profile
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        13 - A model for improving banking services using customer knowledge management and mobile banking and examining its impact on customer loyalty in Bank Mellat
        narges rezaei Mohammad rezaei
        With the development of new communication technologies, the use of information technology has been proposed as a success factor in developing organizations. One of the most important industries that must adapt to technological changes is the banking industry. The practi More
        With the development of new communication technologies, the use of information technology has been proposed as a success factor in developing organizations. One of the most important industries that must adapt to technological changes is the banking industry. The practical capabilities of some private banks in attracting and retaining customers have made them a top priority for investment. The purpose of this study is to investigate the effect of customer knowledge management and mobile banking on improving banking services and customer loyalty. Bank Mellat was selected as a statistical population with 180 service management experts and 130 simple questionnaires were distributed among the sample using simple random sampling. 120 acceptable questionnaires were referred. Structural equation model was selected for data analysis. The results indicate the positive and direct impact of knowledge management and mobile banking on improving the services provided and customer loyalty. Manuscript profile
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        14 - Electronics City the role in promoting of indicators of sustainable development with emphasis on electronic banking case study in Karaj
        Alireza Estelaji Najmeh Shahtalebi
        Issues and problems in the issue of air pollution, heavy traffic and wasting time on the streets, increasing the administrative and commercial activities of citizens in cities, increasing population and lack of fitness facilities and services, so that for various reason More
        Issues and problems in the issue of air pollution, heavy traffic and wasting time on the streets, increasing the administrative and commercial activities of citizens in cities, increasing population and lack of fitness facilities and services, so that for various reasons has been formed in cities As well as citizens increasingly demand to provide satisfactory service and quality, and the municipal and state slogan and policy managers to focus on sustainable urban development, decision-making and planning based on technology and techniques the world's urban management is not only inevitable but also necessary and enter the world of electronic logical and convenient to the city is needed. One of the most widely used and most central urban needs of electronic services, electronic banking services, which with its activities is an important contribution to sustainable urban development. Therefore, this research was carried Metropolis research. The study was cross-sectional and library studies and field research was conducted using questionnaires. The results of the test the hypotheses using one sample T-test or One sample T test and Spearman correlation was also Shows that electronic banking will have an important role in the realization of sustainable urban development and in this regard citizens as key stakeholders have a direct influence on this issue and the possibility of achieving the desired goals is not possible without the participation of citizens. Manuscript profile
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        15 - Estimation of stream bank erosion by BSTEM model
        محمد مهدي حسين زاده Reza Esmaili
        Stream bank erosion is known to be a major source of sediment shedding in streams and rivers. However it is difficult to define and estimate the contribution of sediment from river erosion. The purpose of this paper is to demonstrate the application of BSTEM model as a More
        Stream bank erosion is known to be a major source of sediment shedding in streams and rivers. However it is difficult to define and estimate the contribution of sediment from river erosion. The purpose of this paper is to demonstrate the application of BSTEM model as a viable tool for identifying and quantifying the controlling bank-slope conditions for a range of stream-restoration objectives, evaluation of the importance of fluvial erosion, vegetation properties and near-bank pore-water pressure properties. The Bank Stability and Toe Erosion Model (BSTEM) were used in order to predict streambank retreat due to both fluvial erosion and geotechnical failure. In this research, BSTEM model also was used to simulate hydraulic erosion at the bank toe and bank stability during a series of flow events (bankfull discharge, mean annual flood, maximum flood discharge) for the purpose of evaluating current (existing) and potential changes in failure frequency (factor of safety or FS) and stream bank-derived loadings. The study site is located at the exit point of the Lavij river from the mountains in Kashpal park area (Chamestan-noor). Every year there is a significant amount of bank erosion caused by large floods in this river section. This study showed that for a multilayered stream bank in Lavij River, the most significant retreat occurred during a series of high flow events. In fact, the floods that occur with a return period of more than 10 years, play an important role in fluvial erosion and lateral retreat processes. Results of BSTEM analysis showed that lateral retreat measured at the stream bank in different scenarios ranged from 0 to 81cm and the bank stability conditions in the first scenario is unstable (FS =0.9), but in the second and thirds scenarios is almost stable (FS=1.15-1.26). Bank top vegetation provided additional cohesive strength to the top 1.0 m of the bank and resulted in a further reduction of failure frequency and failure volume. Results of this study showed that toe protection added to eroding stream banks can reduce overall volumes of eroded sediment. Manuscript profile
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        16 - Comparative Study Of late Payment Damage With Usury
        Babak Mohammad Rezapour Faezeh Jahani Moghadam
        In the world of exchanges and international trade which is based on the expansion of the banking system, the delayed payment penalty is accepted as a solution to the depreciation of the currency and also as a condition for the obligation to pay debts from customers in m More
        In the world of exchanges and international trade which is based on the expansion of the banking system, the delayed payment penalty is accepted as a solution to the depreciation of the currency and also as a condition for the obligation to pay debts from customers in most banking systems as well as in various legal rules. But this principle in Islamic countries has sometimes interfered with the concept of Reba, so that some jurists consider it as a Reba and have forbidden it. This principle has been widely debated in our country, but it has been accepted by the legislature as a principle. However, there are still many challenges regarding the legitimacy or lack of legitimacy of the principle of delayed payment penalty in the banking system. In this paper, it is attempted to address the reasons for the legitimacy of the delayed payment penalty in the banking system. Manuscript profile
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        17 - Internet Banking, Cloud Computing: Opportunities, Threats
        Monireh Hosseini Elias Fathi Kiadehi
        10.7508/jist.2014.02.002
        With the extension of Internet and its applications, internet banking is introduced as an efficient and cost effective way to provide services to customers. Towards the end of previous decade, cloud computing has been offered as a revolution in Internet application as a More
        With the extension of Internet and its applications, internet banking is introduced as an efficient and cost effective way to provide services to customers. Towards the end of previous decade, cloud computing has been offered as a revolution in Internet application as a service which effect on the way that service is provided. Regarding the service improvement based on customer’s needs, cloud computing is a quick move in informational services. This study tried to consider each aspect of internet banking and cloud computing strengths, weaknesses, opportunities and threats and provide SWOT analysis for Internet banking using cloud computing. In the following, the study tried to provide a practical solution for financial agencies and banks to provide better Internet banking services using cloud computing technology. Finally a SWOT analysis of internet banking using cloud computing technology is discussed and approved with expert opinions using fuzzy Delphi method. Manuscript profile
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        18 - Extracting Credit Rules from Imbalanced Data: The Case of an Iranian Export Development Bank
        Seyed Mahdi  Sadatrasoul mohammadreza gholamian Kamran shahanaghi
        10.7508/jist.2015.01.004
        Credit scoring is an important topic, and banks collect different data from their loan applicant to make an appropriate and correct decision. Rule bases are of more attention in credit decision making because of their ability to explicitly distinguish between good and b More
        Credit scoring is an important topic, and banks collect different data from their loan applicant to make an appropriate and correct decision. Rule bases are of more attention in credit decision making because of their ability to explicitly distinguish between good and bad applicants. The credit scoring datasets are usually imbalanced. This is mainly because the number of good applicants in a portfolio of loan is usually much higher than the number of loans that default. This paper use previous applied rule bases in credit scoring, including RIPPER, OneR, Decision table, PART and C4.5 to study the reliability and results of sampling on its own dataset. A real database of one of an Iranian export development bank is used and, imbalanced data issues are investigated by randomly Oversampling the minority class of defaulters, and three times under sampling of majority of non-defaulters class. The performance criterion chosen to measure the reliability of rule extractors is the area under the receiver operating characteristic curve (AUC), accuracy and number of rules. Friedman’s statistic is used to test for significance differences between techniques and datasets. The results from study show that PART is better and good and bad samples of data affect its results less. Manuscript profile
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        19 - Promote Mobile Banking Services by using National Smart Card Capabilities and NFC Technology
        Reza Vahedi Sayed Esmaeail Najafi Farhad Hosseinzadeh Lotfi
        10.7508/jist.2016.03.005
        By the mobile banking system and install an application on the mobile phone can be done without visiting the bank and at any hour of the day, get some banking operations such as account balance, transfer funds and pay bills did limited. The second password bank account More
        By the mobile banking system and install an application on the mobile phone can be done without visiting the bank and at any hour of the day, get some banking operations such as account balance, transfer funds and pay bills did limited. The second password bank account card, the only security facility predicted for use mobile banking systems and financial transactions. That this alone cannot create reasonable security and the reason for greater protection and prevent the theft and misuse of citizens’ bank accounts is provide banking services by the service limits. That by using NFC (Near Field Communication) technology can identity and biometric information and Key pair stored on the smart card chip be exchanged with mobile phone and mobile banking system. And possibility of identification and authentication and also a digital signature created documents. And thus to enhance the security and promote mobile banking services. This research, the application and tool library studies and the opinion of seminary experts of information technology and electronic banking and analysis method Dematel is examined. And aim to investigate possibility Promote mobile banking services by using national smart card capabilities and NFC technology to overcome obstacles and risks that are mentioned above. Obtained Results, confirmed the hypothesis of the research and show that by implementing the so-called solutions in the banking system of Iran. Manuscript profile
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        20 - A Study of the Procedures for Liquidating Bankrupt Banks (A Comparative Study of American and Iranian Legal Codes)
        Mohammad Isai Tafreshi Khadijeh  Shirvani
        Abstract: It was after the 1929 Great Recession in the United States that the world economy suffered heavy losses and Iranian officials began paying attention to the bankruptcy of the banks and its highly negative impacts on the national economy. Consequently, the lawma More
        Abstract: It was after the 1929 Great Recession in the United States that the world economy suffered heavy losses and Iranian officials began paying attention to the bankruptcy of the banks and its highly negative impacts on the national economy. Consequently, the lawmakers came to the conclusion that rules and regulations on bankruptcy of the commercial corporations are not sufficient for verifying bankruptcy of the banks – which are considered commercial corporations in kind. On this basis, the United States has tried to consider certain rules and regulations for bankruptcy of banks, thanks to their role in national economy and their differences from the commercial corporations. The bankruptcy code for banks and financial institutions in the United States is called Resolution Regime. It is the government’s legal framework that resolves a failed bank in an orderly way to prevent the collapse of financial markets and the country’s financial system, to continue key services by the banks and to prevent the burden of bankruptcy on the government and taxpayers. In Iranian law, the bankruptcy regime of the banks is not a hundred percent apart from the bankruptcy of the corporations. In case of the bankruptcy of a bank, the Trade Law rules and regulations on bankruptcy will be considered as general rules and other monetary and banking rules and regulations will be particular ones. In case of the silence of the particular laws, the general rules and regulations will be applicable in case of the bankruptcy of the banks. In U.S. law, liquidation is the last step to deal with a bankrupt bank, while in Iranian law - since there is no substitute method for liquidation - the bankrupt bank starts liquidation immediately after receiving the order of bankruptcy. Manuscript profile
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        21 - Presenting an Excellence Model for Organizational Culture (Case Study of the refah kargaran Bank)
        Majid  Abolghasem Iraj  Soltani
        These models can be specifically used by financial institutions and banks. To achieve this goal, the researcher has used quantitative and qualitative methods The research method consists of developmental and practical goal and mixed research approach (quantitative More
        These models can be specifically used by financial institutions and banks. To achieve this goal, the researcher has used quantitative and qualitative methods The research method consists of developmental and practical goal and mixed research approach (quantitative and qualitative). Therefore, at first, in a library, the criterions were indicated after surveying 34 reliable and global cultural models and also organizational excellence patterns. At first step, by using questionnaire to collect information at the qualitative stage, main groups of the template were delineated purposefully from 15 professors of human resource and cultural management field (homogeneous group). Then by using the Fuzzy Delphi method on 30 university professors, managers and experts in human resources and banking (heterogeneous group), main groups, subgroups and indicators were identified. The lowest value, the most appropriate amount and the highest number of privileges were given. The information were collected by analyzing the content and compiling a checklist and the basic research model was compiled by applying the Delphi method Data analysis in the qualitative section was performed using Delphi method and Soft Excel software and in the quantitative section, the data were analyzed with the aid of SPSS24 software and LISREL. Finally, Excellence Model of Organizational Culture was identified in 6 main groups, 24 sub-groups and 114 indicators as a suggested model of organizational culture for the Rehab Bank. Manuscript profile
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        22 - Designing a Model of Managing organizational Polotical Behavior With Ethical Approach in Public Sector Banking industry
        farzad ramezani rad Mahmood  RezaeiZade Davood Kiakojouri Mehran  Mokhtari Bayekolaei
        the purpose of this study was to design a model of organizational political behavior management with an ethical approach in the public sector banking industry. For this purpose, after reviewing the literature and theoretical foundations of the research, it has been done More
        the purpose of this study was to design a model of organizational political behavior management with an ethical approach in the public sector banking industry. For this purpose, after reviewing the literature and theoretical foundations of the research, it has been done using a mixed technique (content analysis and structural equations). In this research, in the qualitative section, using the content analysis technique to examine the opinions of 15 experts who are successful bosses and exemplary managers in the banking sector of the public sector at the level of the country's ranks and headquarters through open and in-depth interviews (semi-structured) Snowball sampling was performed. In order to obtain validity and evaluate the strength of the extracted data from the interview, transferability, reliability and verification criteria were used. Data extracted from interviews conducted by thematic analysis method, as 164 open codes (concepts) and 4 pivotal (category) in seven factors in two categories of organizational political behavior and management of organizational political behavior with the approach of ethical principles using MAXQDA software analysis and analysis Were And the research model was drawn from the software output. In a small section, using the questionnaire and after measuring the reliability and reliability and reliability, 365 employees of Bank Melli and Sepah employees based in Tehran province's branches and headquarters were examined by classification method and random sample. Then, using LIZREL software and confirmatory factor analysis technique (CFA), the effect of organizational political behavior management with the approach of ethical principles on the six identified factors of the occurrence of organizational political behavior was examined. And it has the greatest impact on personal factors (individual and moral). And to confirm the proposed model of the final model, structural equation modeling with PLS software was used. Manuscript profile
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        23 - Ethical requirements in Islamic banking
        Ali Arabi Mahmoud  Bagheri mahmoud erfani
        A saying from the Holley Prophet of Islam says: “praying has 70 parts, the best one is Halal earning”. Accordingly the real believers strongly value the professional banking morality for earning Halal income and from their point of view the bank which is based on Islami More
        A saying from the Holley Prophet of Islam says: “praying has 70 parts, the best one is Halal earning”. Accordingly the real believers strongly value the professional banking morality for earning Halal income and from their point of view the bank which is based on Islamic morality must follow 6 important aims as will be described in the article such as executing economic justice in the society. As a result the idea of Islamic Banking was first made in the 1950s and the first Islamic investment banking was established in Egypt and Malaysia in the 1960s. There are over 100 kinds of Islamic banks and the law of banking without usury was passed and enforced in 1983 after Iran Islamic revolution. The theoretical, religious jurisprudence and Islamic morality related discussions among the people who are the users of this method of banking and among the bank clerks who enforce this methods, is yet to be answered and they are not fully justified that this method is right from the religious point of view, and the money taken and given is usury. We have tried to survey the activities of the banks focusing on monetary value of time and value of money during time in Islamic jurisprudence and find an appropriate answer. It is clear that the banks pay profit to customers when attracts their money and receives profit from them when loans them. These two issues happen during time and the method of paying and taking profit separates the way of Islamic banking from regular banking. Usury that is clearly forbidden in Islam takes place in elapse of time. We have used indisputable contracts in religious jurisprudence such as Salaf (buying in advance) and Nesiyeh (selling in advance) to differentiate these two with usury. Manuscript profile
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        24 - Transparency Indices and Anti-Corruption Criteria and the Impact of International Assessment and Standards
        hamid rahimi saber niyavarani Mohammad jalali Assadollah  Yavari
        Transparency and anti-corruption indicators are a way to deal with corruption in the government and ruling classes and have different categories. Corruption has created obstacles in advancing the goals and development of countries. Although there have been effective eff More
        Transparency and anti-corruption indicators are a way to deal with corruption in the government and ruling classes and have different categories. Corruption has created obstacles in advancing the goals and development of countries. Although there have been effective efforts to create an index of transparency and the fight against corruption, there is no satisfactory answer to this problem, and many developing countries continue to suffer from corruption at all levels. The most important divisions of transparency and anti-corruption indicators are presented in two forms: polls and evaluations. Manuscript profile
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        25 - Alignment Model Design of Individual-Organizational Interests (The Case Study of Bank Melli Branches in Golestan Province)
        Amirhossein Amirkhani Mohammad Reza  Tat
        The aim of the present study is to design a model for aligning the individual-organizational interests in Golestan's Bank Melli Branches. In this study, exploratory sequential mixed method is applied as research approach. This research, due to applying sequential mixed More
        The aim of the present study is to design a model for aligning the individual-organizational interests in Golestan's Bank Melli Branches. In this study, exploratory sequential mixed method is applied as research approach. This research, due to applying sequential mixed method in terms of identifying components and screening management experts who had outstanding experiences and researches related to the human resource management field, using Delphi Technique, 20 people were investigated and polling conducted through snowball sampling method and also process modeling was done. Statistical population included all the Golestan's Bank Melli employees that were 98 people. Quantitative part was surveyed by using structural equation model and SMART-PLS software. This research enjoys researcher-made questionnaire as a data collection tool for alignment index of individual-organizational interests. The results demonstrate that the most important component is alignment of individuals' goals sharing factor in organization goals with relative weights of 0.985 ranked first and management based on values ranked at the last position with relative weights of 0.718. Also, there is significantly a meaningful relationship between structural, behavioral, process, and contextual factors. Manuscript profile
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        26 - nvestigating the Factors Affecting the Development of Internal Marketing in the Banking Industry (Commercial Bank Case Study)
        Samira  Asadi Mohammad Mahdi Mozafari Babak Haji Karimi Mahmood Noraei
        Internal marketing is of particular importance today due to its indirect impact on the end customer due to the satisfaction of service staff. Internal marketing is the synchronization of organizational goals with human resources so that the role of human resources in ac More
        Internal marketing is of particular importance today due to its indirect impact on the end customer due to the satisfaction of service staff. Internal marketing is the synchronization of organizational goals with human resources so that the role of human resources in achieving goals is clarified. In the meantime, the issue of ethics in economics and banking is raised, as financial crises in recent years have shown that the goal of utilitarianism in financial institutions, can have potential risks in the banking system and, consequently, society. Therefore, the present study was conducted with the aim of examining the ethics in banking and the factors affecting the development of internal marketing in the banking industry. Analytical-descriptive is a branch of correlation.The statistical population of this study includes the total number of managers, deputies and heads of Tejarat Bank in all branches in Iran is 125. Due to the limited number of members of the statistical population, through the counting method, all The statistical population is considered as a sample.The primary data collection tool in this study was a questionnaire that, to ensure the validity of the questionnaire, the content validity method was used.Then the reliability coefficient or internal stability of the questionnaire based on the data obtained It was calculated using Cronbach's alpha coefficient that the value of Cronbach's alpha coefficient of the whole questionnaire was 94%. It was found to indicate the appropriate reliability of the questionnaire used. Structural equation method and Smart PLS software were used to analyze the data. The results of the study in the field of ethics showed that the ethical teachings in banks have a positive and significant effect on the residents of this system, which reduces their greed and the consequences of corruption in society. Also, the compliance of Sharia and ethics in Islamic banking, in practice, faces obstacles that may lead to deviations from the goals of ethical Islamic banking. On the other hand, the results showed that the results showed that 4 dimensions, norm, strategic, executive and process have a positive and significant effect on the development of internal marketing. Manuscript profile
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        27 - The relationship between managers' business intelligence and organizational entrepreneurship (Case Study: Selected Branches of Bank Melli in Isfahan)
        Hadi Teimouri Naeime  Mohammadrezaei Elham  Ghasemi maryam Dezhtaherian
        Undoubted the business intelligence is the new approach to business and organizational architectures that provides quick access to data and analyze them based on users. Another aspect entrepreneurship is a key role in developing the economy and stability of all societie More
        Undoubted the business intelligence is the new approach to business and organizational architectures that provides quick access to data and analyze them based on users. Another aspect entrepreneurship is a key role in developing the economy and stability of all societies. So that today an indicator of the growing development in numerous countries. Therefore, the present study aims to explore the relationship between business intelligence and organizational entrepreneurship from the viewpoint of managers and employees of Melli Bank of Isfahan. A stratified random sampling method was used and a sample size of 140 was chosen from among 200 persons. The collected data was analyzed via SPSS and AMOS software. The results of this study reflect the reality that business intelligence managers have a significant impact on organizational entrepreneurship. Manuscript profile
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        28 - Application of Framing for Enhancing Elites Participation in Electronic Idea Bank
        Behrooz Zarei Fateme Saghafi Amir Emami
        Establishment of elites database for receiving the experts' and elites' ideas to solve the problems of society will enhance the efficiency of public projects investments. In the paper, a theory based on elite's cognitive psychology to create optimal cooperation with th More
        Establishment of elites database for receiving the experts' and elites' ideas to solve the problems of society will enhance the efficiency of public projects investments. In the paper, a theory based on elite's cognitive psychology to create optimal cooperation with the idea bank will be presented as framing. For this purpose, elites' mental models were extracted from interviews with them based on framing method. Then simulation of framing format for elites who have the ability to present ideas in an electronic idea bank was conducted by the questionnaire. The results of research show the effects of farming in idea bank. The results showed that the behavior of elites can be predictable based on framing effects. Using the results of this paper for classifying the rewards portfolio of people with the help of framing theory will reduce the cost of electronic idea bank. Manuscript profile
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        29 - An Analysis on the Relation between Psychological Empowerment and Organizational Commitment
        Shams Asadat Zahedi hasan boudlaie Reza Satari Nasab Alireza Koshki Jahromi
        This article reveals the relationship between psychological empowerment and organizational commitment of the employees of Mellat Bank in Tehran. Although the meaning of empowerment has been the subject of great debate, its original meaning has been referred to as autho More
        This article reveals the relationship between psychological empowerment and organizational commitment of the employees of Mellat Bank in Tehran. Although the meaning of empowerment has been the subject of great debate, its original meaning has been referred to as authorizing and to giving power to two employees. The psychological empowerment emphasizes employees' perceptions and cognitions. In full-paper the basic method of enquiry was through questionnaires. The article concludes with some suggestion aimed at raising employees' empowerment and commitment in Mellat Bank in Tehran. Manuscript profile
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        30 - A Development Bank for Small and Medium Enterprises in Iran (SME bank of IRAN)
        Mohammad reza Edraki
        Financial supports just include a part of SMEs essential needs which will be performed through Banking institutions, Development Financial Institutions (DFIs), Leasing and Factoring Companies, Venture Capital Companies (VCs) to support and assist these Enterprises. But More
        Financial supports just include a part of SMEs essential needs which will be performed through Banking institutions, Development Financial Institutions (DFIs), Leasing and Factoring Companies, Venture Capital Companies (VCs) to support and assist these Enterprises. But development and formation new technical institutions in financial and advisory services lines from SMEs still seems to be necessary. SME Bank of Iran is one of these new and necessary institutes which can be effective as a Development Financial Institution to initiate SMEs businesses, and responding to their special necessity. This Bank as a financial institute and through related financial and advisory proceses can help for financial supports and necessary supplement helps of SMEs. Advisory services in SME Bank of Iran, absolutely, must be presented in an integrated form for financial supports and venture creation. Manuscript profile
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        31 - A Review of Knowledge-Based Economy: from the Formation to the Action; Case study: knowledge-based Economy in Iran
        Abdollah Elm Khah Mahdi Sadeghi Shahdani
        10.7508/jstpi.2015.04.003
        Theorists have predicted the emergence of the new economic era in which knowledge is the main source of wealth and economic output. In other words, in a new era, the economy is getting away from the resource-based method and is getting close to the knowledge-based one. More
        Theorists have predicted the emergence of the new economic era in which knowledge is the main source of wealth and economic output. In other words, in a new era, the economy is getting away from the resource-based method and is getting close to the knowledge-based one. Knowledge-based economy formed based on the production, distribution and application of knowledge and information. Therefore, investing in knowledge and knowledge-based industries got particular attentions. This paper reviews the literatures of knowledge-based economy due to its importance, and the emphasis of The Supreme Leader on special attentions of policy makers to implementation of it based on upstream documents. This article is provided according to the analytical and descriptive method based on available documents. The knowledge-based economy is addressed in the course of economic ideas, theories of knowledge-based economy, definitions, characteristics, advantages, elements, measuring indicators, policies of the knowledge-based economy in Iran, situation of Knowledge-based economy in Iran based on World Bank Index. At the end conclusion is presented. The results show that the fulfilling of the knowledge-based economy requires trained and skilled workforce, supportive government policies, making reform in society culture, efficient innovation system, indigenous knowledge, ICT, institutional and government stimulus, supporting intellectual property rights and so on. Although the World Bank 2005 report shows that there was a very significant imbalance between the indicators. By government efforts, the imbalance was declined slightly in 2007 and according to the latest World Bank report in 2012, Iran with an average 3/91 has gained the rank of 94 between 146 countries in terms of the knowledge-based economy. Manuscript profile
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        32 - Impact of Knowledge Management on Private Banks Performance Through Mediation of Service Quality (Case Study: Private Banks of Kermanshah)
        sahar sorkhvandi Rahele zeynivand seid hamed feizjavadian
        10.7508/jstpi.2018.04.006
        Identifying the needs and desires of employees and customers always includes a set of hidden dimensions, in accordance with the culture and conditions of each country. Knowledge management is a useful tool for banks to maximize their optimal performance. Therefore, reco More
        Identifying the needs and desires of employees and customers always includes a set of hidden dimensions, in accordance with the culture and conditions of each country. Knowledge management is a useful tool for banks to maximize their optimal performance. Therefore, recognizing the relations among knowledge management, bank performance, and quality of service is essential. The aim of present study, is exploring the impact of knowledge management on private banks performance in Kermanshah city. Through mediation of service quality. This study is an applied research and a questionnaire was used to collect data. Statistical population in this study has been Kermanshah private banks (Parsian, Pasargad, Karafarin, Saman and Ayandeh bank). The sample size equals 100 people and sampling method is based on census (counting all). Data analysis is based on nature of the data and the way of discussing assumptions has been done in the form of central distribution statistics and regression models have been conducted by hidden variable with SPSS and AMOS soft wares. The findings of present study show that knowledge management influences the performance and service quality of private banks. Service quality has a positive and significant effect on private banks performance, and knowledge management considering mediation of service quality variable, has direct and indirect impact (by service quality variable) on private banks performance. Manuscript profile
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        33 - Phenomenology of customers’ hope for banking services in Keshavarzi Bank with an approach involving ethics, innovation and quality management system
        asghar ahmadi farshid namamian Ali  Asghari Sarem Tohfeh Ghobadi Lamouki
        As strategic partners of businesses, customers have played an undeniable role in business growth and development; having a comprehensive knowledge of customers from different dimensions has always been emphasized. Meanwhile, the phenomenon of customer’s hope has been ne More
        As strategic partners of businesses, customers have played an undeniable role in business growth and development; having a comprehensive knowledge of customers from different dimensions has always been emphasized. Meanwhile, the phenomenon of customer’s hope has been neglected in theoretical issues and specifically in the banking industry as an important principle in maintaining a continued relationship with customers. Moreover, from the perspective of correct and accurate understanding of its meanings, its concepts and hidden conceptual layers have been commonly overlooked. Thus. the present study aims to describe the lived experience of customers’ hope in to the services provided by Keshavarzi Bank in order to identify the dimensions and components of customers’ hope and then to present a conceptual model and structure of the study. In terms of purpose, this present study is an applied one, and from the perspective of approach, it is an exploratory one. In terms of type of research, it is an exploratory mixed one. In the first and qualitative phase, a purposeful selection and in-depth interviews were conducted with 9 bank customers with Sidman’s method and applying a phenomenological approach. The results were analyzed with a Colaizzi’s method. The results of the analysis confirm the emergence of the structure of customer’s hope in three general categories, including hope derived from ethics in the Keshavarzi Bank, hope derived from the service quality management system, and finally “hope derived from innovation and customer-orientedness”. Also, the three mentioned categories had a total of 6 concepts and twenty propositions, resulting from summarizing and modifying the initial 87 propositions. In the quantitative section, in order to investigate the originality of the structure, customer’s hope was measured based on the findings of applying and implementing a phenomenological strategy in the form of a researcher-made questionnaire consisting of 24 items. The questionnaire was designed, distributed and completed among 400 customers of Keshavarzi Bank. The results were analyzed by using SPSS, Lisrel and Smart pls. The results of the study in this section confirm the structure of customer hope in the form of a conceptual model extracted from the first section. Therefore, in the banking industry, by focusing and paying attention to the structure of the phenomenon of customer hope as the main themes and related concepts and propositions, appropriate measures and approaches can be adopted to create and manage sustainable customer relations. Manuscript profile
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        34 - Identify criteria and components affecting ethical principles and provide an appropriate model in the electronic banking system
        Gholam Reza  Amjadi
        Ethics in the banking industry has a wide range of applications that strongly influence the decisions of depositors, investors and borrowers. The main mission of banks is to adopt and establish optimal methods of supply, allocation and distribution of financial resource More
        Ethics in the banking industry has a wide range of applications that strongly influence the decisions of depositors, investors and borrowers. The main mission of banks is to adopt and establish optimal methods of supply, allocation and distribution of financial resources and expenditures at different levels of society in accordance with the needs of the future so that while conducting financial activities, not only morals in society are not damaged but also promoted. . The aim of this study was to identify the criteria and components affecting the ethical principles in the electronic banking system and in terms of method is among the qualitative research with an exploratory approach. For this purpose, after reviewing the literature, background and theoretical foundations of research, factors and criteria affecting the ethical principles in the country's banking system were identified and categorized. After performing the Delphi technique in three rounds, some components were removed from the adjustment list and the final model was prepared. The experts of this study consisted of 20 employees’ actives in the field of banking and electronic banking services who were selected from the statistical population by purposive sampling. In order to ensure the validity of the Delphi questionnaire, content validity and validity of the correctors were used, and for reliability, the theoretical saturation method was used. The result of this evaluation led to the confirmation and finalization of the general framework of the research conceptual model. Findings show that components such as customer confidential information, honesty and integrity, expertise and efficiency, customer orientation, voluntary responsibility, ethical responsibility, etc. are among the factors affecting the institutionalization of ethical principles in the electronic banking system. To be. Manuscript profile
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        35 - Introduction of Work and Street Children's Database (1923-2011): Addressing and Solutions to Children's Social Damages and Problems
        Khosro Salehi
        The existence of social problems in every society puts children at greater risk than others and damages their health and well-being. In our country, children are facing with various problems and this problems comes from different reasons (economic, social, cultural, etc More
        The existence of social problems in every society puts children at greater risk than others and damages their health and well-being. In our country, children are facing with various problems and this problems comes from different reasons (economic, social, cultural, etc.). Street children and children who are vulnerable to harm, mainly for economic reasons, who work on the streets and, in fact, spend most of their time in unsafe and risky streets and, as a result, are more exposed to these children, especially girls. There are various risks. Understanding the status, problems and harm of these children, gathering statistics, information and resources about them, getting acquainted with the causes and factors causing these injuries and increasing them, is the first step in helping these children and trying to make the necessary changes in their lives. It means to benefit from their rights. The lack of information and their distribution in relation to children exposed to harm in general and working and street children are in particular a barrier to planning and organizing activities to relieve them of harm. Designing a database of street children and children can be promising in this field, and it is necessary to transfer it through the database to future generations. Manuscript profile
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        36 - The Moderating Role of Meaning at Work in the relationship between Self Leadership with Affective Capital and Affective-Collective Investment
        Maryam Rostam Pour Mohsen Golparvar
        The meaning at work through impact on individual and work goals has a significant impact on the relationship between different variables in work environments. This research was conducted with the aim of determining the moderating role of meaning at work on the relations More
        The meaning at work through impact on individual and work goals has a significant impact on the relationship between different variables in work environments. This research was conducted with the aim of determining the moderating role of meaning at work on the relationship between self-leadership with affective capital and affective-collective investment. Research statistical population was the employees of Saderat bank in Isfahan city. Among them, 243 employees were selected using convenience sampling. Research instruments were self-leadership questionnaire (Houghton et al, 2012), meaning at work questionnaire (Steger et al, 2012), affective capital questionnaire (Golparvar, 2017) and affective-collective investment questionnaire (Golparvar, 2018). Data were analyzed with the use of Pearson correlation coefficient and hierarchical regression analysis. Results revealed that there is positive significant relationship between self-leadership with meaning at work, affective capital and affective-collective investment. Results of hierarchical regression analysis indicated that meaning at work moderates the relationship between self-leadership with affective capital and affective-collective investment. This means that when meaning at work is high, there is a positive significant relationship between self-leadership with affective capital and affective-collective investment (p<0.01), but when meaning at work is low, there is not a significant relationship between self-leadership with affective capital and affective-collective investment (p¬>0.05). The results show that meaning at work have high power to impact the relationship between self-leadership with affective capital and affective-collective investment Manuscript profile
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        37 - The Moderating Role of Meaning at Work in the Relationship between Self Leadership with Affective Capital and Affective-Collective Investment
        Mohsen Golparvar Maryam Rostampour
        This research was conducted with the aim of determining the moderating role of meaning at work on the relationship between self-leadership with affective capital and affective-collective investment. Research statistical population was the employees of Saderat bank in Is More
        This research was conducted with the aim of determining the moderating role of meaning at work on the relationship between self-leadership with affective capital and affective-collective investment. Research statistical population was the employees of Saderat bank in Isfahan city. Among them, 243 employees were selected using convenience the sampling method and responded to Self-Leadership Scale, Meaning at Work Scale, Affective Capital Scale, and Affective-Collective Investment Scale. Data analyzed with the use of Pearson correlation coefficient and hierarchical regression analysis. Results revealed that there was a positive significant relationship between self-leadership and meaning at work, affective capital and affective-collective investment. The results of hierarchical regression analysis indicated that meaning at work moderated the relationship between self-leadership and affective capital and affective-collective investment. This means that when meaning at work is high, there is a positive and significant relationship between self-leadership and affective capital and affective-collective investment (p<0.01), but when meaning at work is low, there is not a significant relationship between self-leadership and affective capital and affective-collective investment (p­>0.05). The results showed that meaning at work had high power to impact the relationship between self-leadership and affective capital and affective-collective investment. Manuscript profile
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        38 - 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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        39 - 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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        40 - 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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        41 - 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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        42 - 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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        43 - 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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        44 - 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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        45 - 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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        46 - 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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        47 - 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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        48 - 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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        49 - 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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        50 - 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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        51 - Organizational Strategic Fitness of Sepah Bank: A Study in Branches of Shiraz city
        Jafar Torkzadeh Kobra Pour Karim somayeh mezginezhad
        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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        52 - 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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        53 - 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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        54 - Designing a Comprehensive Personal Productivity Assessment Model for the Personnel in Banking Industry
        Ali  Nemati Hojjat Taheri Goodarzi Parvaneh Gelard Yadollah   Abbaszadeh Sahroun
        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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        55 - 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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        56 - 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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        57 - Assessing the effect of macroeconomic shocks on systemic risk of the banking system using the SVAR model in Iran
        ali ostadhashemi seyed jalal sharif ali Souri
        In this study, we have used the total capital market index (TEDPIX) as an index of the real sector of the economy and the index of banks and credit financial institutions as an index that explains the developments of the banking system. Also, oil revenues, exchange rate More
        In this study, we have used the total capital market index (TEDPIX) as an index of the real sector of the economy and the index of banks and credit financial institutions as an index that explains the developments of the banking system. Also, oil revenues, exchange rate uncertainty, tax revenues, liquidity, nominal interest rates, inflation uncertainty and GDP have been used as macroeconomic variables in the research period (1370-1396). To estimate the systemic risk of the banking system, the quarterly data of the banks' index is used and the value at risk of the return of the seasonal data of the index is estimated using an exponential GARCH model. In order to model the interaction of macroeconomic variables and systemic risk of the banking system, an unrestricted vector autoregression (VAR) model was estimated and then using instantaneous impact functions and based on Chulsky analysis, systemic risk response to other variables was investigated and analyzed. In order to identify the channels of impact of economic shocks on the systemic risk of the banking system, based on the structures of the Iranian economy, a structural vector autoregression (SVAR) model was specified and then the instantaneous impact functions were extracted and the effect of macro variable shocks on the systemic risk of the banking system was investigated. Also, the effect of systemic risk of the banking system on macroeconomic variables was investigated and analyzed using instantaneous impact functions. Finally, the interaction model of macroeconomic variables and systemic risk of the banking system was approved using the vector autoregressive model. Manuscript profile
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        58 - Employing a meta-synthesis to present a framework for commercial banks’ preparedness indicators in use of blockchain technology
        Zahra Khalili Masoud Keimasi Javad Abbasi Mohammadali Shahhosseini
        Present study aimed at presenting a framework for commercial banks’ preparedness indicators in use of blockchain technology. To this end, the meta-synthesis research method was employed. Among from 306 resources found over meta-synthesis steps, a number of 38 papers inc More
        Present study aimed at presenting a framework for commercial banks’ preparedness indicators in use of blockchain technology. To this end, the meta-synthesis research method was employed. Among from 306 resources found over meta-synthesis steps, a number of 38 papers included our acceptance criteria. The four organizational, technical, individual and environmental factors were identified as indicators of commercial banks’ preparedness to use Blockchain technology. Organizational indicators included infrastructures development, managerial skills, human resources development, company or organization size, financial resources, receptive organizational culture, organizational policies, and senior management support. The technical indicators included complexity, technological security, access to technology, use of technology and specialized manpower. In addition, individual indicators included attitudes toward use, ease of use, perceived usefulness, and understanding of Blockchain technology. Finally, environmental indicators included rules and regulations, technology maturity, information exchange, compatibility, market dynamics, and governmental supports. Manuscript profile
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        59 - The role of big data management in improving the decision-making of banking organizations (Case study of Sepah Bank)
        Yaser Ghasemi Nezhad peyman hajizadeh Hamed Kordi
        10.52547/jstpi.27782.18.72.34
        In recent years, the size of data in the world has increased dramatically several times. Banks also generate large amounts of data in their processes and sometimes spend exorbitant costs to collect and maintain it. Some banking industry experts estimate a sevenfold incr More
        In recent years, the size of data in the world has increased dramatically several times. Banks also generate large amounts of data in their processes and sometimes spend exorbitant costs to collect and maintain it. Some banking industry experts estimate a sevenfold increase in existing data by 2020. Today, big data technology is considered as a solution to exploit and use this volume of information. However, reviewing and processing big data as well as examining the effectiveness of its use in the field of banking is considered as a challenge. Therefore, in this study, the role of big data management in improving the decision-making of banking organizations (Case study of Sepah Bank) was investigated. For this purpose, the statistical population of this study includes 130 experts from all departments of the information technology department of Sepah Bank, which was not sampled due to the limited statistical population. The standard 20-item big data management questionnaire, the 22-item decision-making empowerment questionnaire and the 10-item decision-making quality questionnaire based on Shamim et al.'s (2019) research were the basis of research after localization. Descriptive and inferential results of research data were analyzed using SPSS 19 and PLS software. The results showed that organizational culture with a coefficient of 0.446 has the most positive and significant relationship with empowerment. Empowerment also has a positive and significant relationship with a coefficient of 0.645 with decision effectiveness and a coefficient of 0.884 with decision efficiency. Manuscript profile
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        60 - Designing a Business Management Competency Model for Managerial Jobs of Ansar Bank
        حسین زاهدی
        This study aims to design a causal business management competency model for managerial jobs of Ansar Bank. This study uses a descriptive-survey method in which 150 Ansar Bank managers were sampled by purposive sampling and then studied in 2012. Data collection was made More
        This study aims to design a causal business management competency model for managerial jobs of Ansar Bank. This study uses a descriptive-survey method in which 150 Ansar Bank managers were sampled by purposive sampling and then studied in 2012. Data collection was made by a researcher-made questionnaire. The instrument validity was assessed and verified based on the comments of university professors who were dealing with the subject of this study, while taking advantage of principal component analysis method and latent variables measurement fitting using confirmatory factor analysis. The reliability was measured by Cronbach’s alpha which revealed a reliability of (R=864%), and as it can be claimed the instrument enjoys a good reliability. To test the hypotheses of this research, structural equation modeling was used. The results verify all primary and secondary hypotheses of this study and reveal the effectiveness of competencies included in Business Management Competency Model for Managerial Jobs of Ansar Bank.The variable of customer-orientation enjoys the highest level of effectiveness. In other words, it enjoys the most significant relationship with business management and afterwards the variables of communications, modifications, resource management come respectively. Manuscript profile
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        61 - Blended Learning Development in Iranian Banks: A Step toward Improving the Quality or Escaping from E-Learning Requirements
        دکتر فرهاد سراجی
        The current research seeks to study effective factors on banks’ attitudes towards holding blended learning courses. After developing the e-learning, the new form of learning environments has been formed that organizations are leading to maintain these environments to bl More
        The current research seeks to study effective factors on banks’ attitudes towards holding blended learning courses. After developing the e-learning, the new form of learning environments has been formed that organizations are leading to maintain these environments to blend the traditional and e-learning capacities in order to blend techniques and abilities of learning and e-learning. Statistical population included 27 private and public banks in which two public (Meli and Tejarat Banks) and two private banks (Parsian and Pasargad Banks) have been chosen by cluster sampling. Then among staff of four banks, 285 respondents have been chosen. The research tool was a researcher-made questionnaire and its validity was confirmed by ten e-learning scholars and academicians and also its reliability was estimated 0.82 after performing among 55 samples. Factor analysis shows that five following factors explain 40.427 percent of all variations of factors respectively: the structural and organizational factors, the difficulties in producing the e-material, the inability in reaching the qualified e- content, the special advantages of blended learning environments and lack of enough knowledge and skills. In addition, for determining the amount of the fitting of the recognized coefficient AMOS program was used which shows the propriety of the recognized factors for the determined criteria. Manuscript profile
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        62 - Blended Learning Development in Iranian Banks: A Step toward Improving the Quality or Escaping from E-Learning Requirements
        دکتر فرهاد سراجی
        The current research seeks to study effective factors on banks’ attitudes towards holding blended learning courses. After developing the e-learning, the new form of learning environments has been formed that organizations are leading to maintain these environments to bl More
        The current research seeks to study effective factors on banks’ attitudes towards holding blended learning courses. After developing the e-learning, the new form of learning environments has been formed that organizations are leading to maintain these environments to blend the traditional and e-learning capacities in order to blend techniques and abilities of learning and e-learning. Statistical population included 27 private and public banks in which two public (Meli and Tejarat Banks) and two private banks (Parsian and Pasargad Banks) have been chosen by cluster sampling. Then among staff of four banks, 285 respondents have been chosen. The research tool was a researcher-made questionnaire and its validity was confirmed by ten e-learning scholars and academicians and also its reliability was estimated 0.82 after performing among 55 samples. Factor analysis shows that five following factors explain 40.427 percent of all variations of factors respectively: the structural and organizational factors, the difficulties in producing the e-material, the inability in reaching the qualified e- content, the special advantages of blended learning environments and lack of enough knowledge and skills. In addition, for determining the amount of the fitting of the recognized coefficient AMOS program was used which shows the propriety of the recognized factors for the determined criteria. Manuscript profile
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        63 - Developing Professional Development Programs for Managers and Staff in the Branch of Monetary and Banking
        hasan asheghi Mohammad 
        The objective of this research was to train and develop from a professional perspective. Qualitative research and focus group techniques were applied in order to achieve this. Indeed, the first step was to study the literature on professional development by researching More
        The objective of this research was to train and develop from a professional perspective. Qualitative research and focus group techniques were applied in order to achieve this. Indeed, the first step was to study the literature on professional development by researching databases, library resources, high-level documents, and domestic reports. Afterwards, by holding focus group interviews and consulting with the participants who were experts, a professional education and development plan was designed. The research statistical population (both of academy and bank) included 12 experts who were well acquainted with Human Resource Development in banking industry. Data collection instruments involved interview protocols and questionnaires which were analyzed by the application of a content analysis method. Research findings included identification of job competencies at the level of branch, i.e. bank manager, deputy, chief officer, bank-teller, and caretaker, by applying a model which included both the individual and the organization and aspects of personality, viewpoint, knowledge, and skill. Through application of this two-dimensional model and four-field approach, educational modular courses were developed for each job in accordance with the level of competency required, perceptional, human, or technical. The findings of this research indicated that in order to develop branch managers and staff professionally in monetary and banking fields, competency-based training programs focusing on required skills for each position should be developed. For instance, in modular courses to be attended by the managers and deputies, management and perceptional skills should be highlighted; whereas in case of bank-tellers a more emphasis was put on job competencies and technical skills. Manuscript profile
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        64 - Identifying and Explaining the Dimensions, Components and Indicators in Competency Development for Banking Industry Managers
        hasan asheghi Mohammad  Nadergholi GHourchian
        The purpose of this study was to identify and explain the dimensions, components and indicators in competency development for bank managers. To achieve this goal, the qualitative research approach and semi-structured interview method have been used. To formulate the res More
        The purpose of this study was to identify and explain the dimensions, components and indicators in competency development for bank managers. To achieve this goal, the qualitative research approach and semi-structured interview method have been used. To formulate the research framework, literature and the history of managerial development were developed with emphasis on study management competencies and frameworks and interview questions. The interviews were conducted in the statistical society of the managing of the tose,e taavan Bank and implemented through a targeted sampling method. The study population was bank managers and statistical sample of 21 people. The data collection tools were interview forms and analytical method, content analysis. Findings of the research showed that for the development of managers' competency, five dimensions, twenty components and one hundred and thirty-two indicators should be considered by educational planners. The five dimensions are: 1) mental -value dimension, 2) communication dimension, 3) technical - specialized dimension, 4) managerial dimension and 5) ability dimension. Twenty components include public values, organizational values, insights and attitudes, personal characteristics, individual communication, interpersonal communication, banking communication, leadership, professionalism, financial-banking knowledge, technology knowledge, educational-research skills, self-management, management of others, business management, emotional ability, mental ability, experiential ability, academic ability and physical ability. The one hundred and thirty-two indices are presented in the final model. The results of this research indicate that for competency development of managers in the field of money and banking, a model consisting of a central core should include the elements that form the competencies of management and the community supporting the development of managers, the second layer affects the managers' developmental plans, and the five dimensions, twenty components, and one hundred and thirty-two Indicators. Manuscript profile
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        65 - Formulating the Pattern of Individual Development Plan for Human Resource Managers in Banking Industry
        Arian Gholipour abolhassan faghihi MOHAMMAD ALI SHAHHOSSEINI baharak sefidgaran
        managers, especially human resource managers, are recognized as the most important guides in development programs and they can do this in a desirable way if they, themselves have the learning spirit and have a documentary individual planning for development and excellen More
        managers, especially human resource managers, are recognized as the most important guides in development programs and they can do this in a desirable way if they, themselves have the learning spirit and have a documentary individual planning for development and excellence. In our country, despite the attention to the development of managers in different fields, the approach of determining how to implement this development is not very relevant in terms of the specific competencies associated with the organizational domain and business environment and this issue has also been neglected in the banking system. The purpose of this research was to provide a pattern of the individual development plan for HR managers of the banking industry and to explain the components of the development plan and the relationships between them. To provide this framework, the literature and background, models, views and research on the individual development plan were widely studied and the primary pattern was designed, using the results of this step. Then, semi-structured interviews were conducted with 14 senior HR managers in the banking system, and the data were analyzed by using the software analysis (QSR Nvivo). In the following, A group interview was conducted in the form of a focus group with six human resource specialists in the banking industry and professors in this field to validate the proposed framework. Finally, in order to validate and prioritize these components, distribution of the questionnaire has been considered among 32 high-ranking HR managers of the banking system as another step of research. In the presented pattern in this study, the influential factors (strategy, culture and organizational texture), success factors (organizational requirements, design requirements and individual requirements), and Results (cognitive, attitude, skill and performance) are as the components of the individual development planning. Also, expected competencies and competency-based dimensions and how implementation of development measures for the HR managers of the banking industry are identified. Manuscript profile
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        66 - Designing Talent Management Model in Banking Industry
        allahvirdi habibpoor Arian  Gholipour Gholamreza Memarzadeh
        In order to retain competent human resources as a rare and valuable organizational source and guarantee the performance, Successful organizations have considered recognizing and developing talents. The present study is done in order to "design talent management model in More
        In order to retain competent human resources as a rare and valuable organizational source and guarantee the performance, Successful organizations have considered recognizing and developing talents. The present study is done in order to "design talent management model in the banking industry and to determine & prioritize dimensions and components". First, the literature was studied well and according to that, the elemental model was designed. Considering the purpose, the current study is applied and method of the research is mixed exploratory. Then, deep and targeted structured interview was conducted with 15 selected individuals, consisting of two groups of managers, experts and academic experts, as well as managers and banking professionals and gathered data was analyzed using content analysis method and dimensions and components were determined. After that, a researcher-made questionnaire was used to confirm and prioritize research model. For validity of questionnaire, content considered and for reliability, Cronbach's alpha was used. The questionnaire distributed between 164 people including heads and deputies of the of welfare of workers bank, national bank and Saman bank and, in order to analyze the data, the structural equation modeling method was applied using the smart P.L.S.3 software. According to the results of study, nine dimensions and 80 components were identified & prioritized. About this, talent retaining factors, talent management results, talent strategy, talent development methods, talent characteristics, talent absorb and selection methods, talent assessment, banking industry characteristics and organizational culture have significant roles in explaining talent management model in the banking industry. Manuscript profile
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        67 - Designing an Empowerment pattern for Sepah bank staff Based on Organizational Learning
        Marzieh Damirchi Rasul Hoseini Masumeh Oladian
        Competition in today's world is not having assets but having two other essential elements. One is investing in knowledge and learning in the organization, and the other one is the training of capable employees. The purpose of this study was to design a staff empowerment More
        Competition in today's world is not having assets but having two other essential elements. One is investing in knowledge and learning in the organization, and the other one is the training of capable employees. The purpose of this study was to design a staff empowerment model based on organizational learning. The research method has been used in terms of qualitative-quantitative nature (mixed) in terms of applied type and in mixed research methods, exploratory method is used sequentially. The data collection tool was semi-structured in the qualitative section of the interview and a researcher made questionnaire in the quantitative section. The statistical community in the qualitative sector is the knowledge and expertise of human resources in the banking system and universities. Sampling was done using a non-probabilistic sampling method including targeted techniques (snowball chains), based on which 18 interviews with experts in the banking industry took place and from among them, it was interviewed with 10 people through the focal group. For analysis of qualitative information, content analysis and open, axial and selective coding method is used and in this way, the MAXQDA2018 software is used. The statistical populations in the quantitative chiefs of staff and managers of Sepah bank branches in Tehran province were 322 people. A sample of 175 people was identified using the Cochran formula & stratified sampling. For analyzing quantitative data, structural equation and PLC software have been used. The obtained pattern includes organizational learning relationships and empowerment of employees, components, indicators and impacts of empowerment based on organizational learning. Based on research findings, empowerment of employees based on organizational learning leads to productivity, dynamism and agility. Manuscript profile
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        68 - Designing and Validating a Model for Developing of an Individual Development Plan in Ansar Bank
        Akbar Kamizi Abasalt Khorasani Kambiz Kamkari
        The purpose of this study was to design and validat an individual development plan in Ansar Bank. The research method was a mixed approach. The statistical society of this research includes all administrators and employees of Ansar Bank, as well as human resource develo More
        The purpose of this study was to design and validat an individual development plan in Ansar Bank. The research method was a mixed approach. The statistical society of this research includes all administrators and employees of Ansar Bank, as well as human resource development experts working in different organizations with writings and experiences in the field of individual development planning. Sampling in the qualitative part of the research was done purposefully, and in the quantitative section, it was done randomly. Semi-structured interviews and self-designed questionnaires were used to collect data. Content validity of the questionnaire was confirmed by experts and its reliability was assessed by Cronbach's alpha test. To analyze the findings of the qualitative section, open and axial qualitative analysis was used and a single-sample T-test was used to analyze the quantitative data. In total, qualitative findings were classified into 14 main themes: development strategy; comprehensive human resources management system; audience analysis (identification of individual needs); appraisal and merit analysis; goal setting; identification of organizational needs; organizational managers; outcomes; Feedback; the determination of education and development methods; the existence of timing; the development of culture; the elaboration of an executive mechanism; and the evaluation of the results. The fourteen themes extracted from the data analysis were eventually divided into three general categories: executive components, supportive components, and outcomes. The findings of the quantitative section showed that the various components of the model are valid from the perspective of the employees and managers of Ansar Bank and have the ability to implement in the bank. Manuscript profile
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        69 - The Analysis of the Current Status of Training Evaluation in Private Banks of the Country (Qualitative Research)
        Ali Dana MohammadReza Nili Ahmadabadi Ali Delavar MohammadAli Dehghandehnavi Khadijeh Aliabadi
        The purpose of this study was to analyze the current status of training evaluation in private banks and identify the challenges in it. The present study was carried out qualitatively with the case study method. In this regard, the statistical population of the present s More
        The purpose of this study was to analyze the current status of training evaluation in private banks and identify the challenges in it. The present study was carried out qualitatively with the case study method. In this regard, the statistical population of the present study consisted of all training experts and specialists working in Private Banks that were selected non-randomly and purposefully. Semi-structured interviews were used to collect the research data. Also, for analyzing qualitative data, Graneheim and Lundman's method was used. To determine the validity and reliability of the data collected, the guidelines provided by Creswell and Poth was used. The results showed that per 1,000 Employee 2/6 training staff are in the training unit of the organizations. Also, 78% of the staff in the training unit in organizations have university education unrelated to their career. Another finding was that all private banks use Kirkpatrick's model to evaluate their training courses, and only three of the organizations have used other models to evaluate their training courses. Finally, the challenges faced by organizations in the field of training evaluation were categorized into 13 categories. Manuscript profile
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        70 - The effect of organizational learning on organizational change with regard to the mediating role of staff professional development (Case study: Central Bank of the Islamic Republic of Iran)
        Manijeh Ahmadi Samad Barani
        10.52547/istd.31217.8.28.26
        Organizational learning is the most important asset to facilitate the professional development of employees as well as organizational transformation. Purpose of the research; Investigating the effect of organizational learning on organizational change with regard to the More
        Organizational learning is the most important asset to facilitate the professional development of employees as well as organizational transformation. Purpose of the research; Investigating the effect of organizational learning on organizational change with regard to the mediating role of professional development of employees in the Central Bank of the Islamic Republic of Iran. The research method is descriptive-applied and structural equations. Statistical population of all managers and management experts of high levels of the Central Bank and its affiliated organizations (429 people) from which 203 people were selected by simple random sampling. The standard questionnaire of organizational learning (Azizi; 2014), organizational transformation (John Gutter and Peter Drucker; 2005) and staff professional development (Long et al., 2015) were used to collect data. Its validity was assessed through face validity and reliability by Cronbach's alpha (organizational learning: 0.95, organizational transformation: 0.92, staff professional development: 0.88). Data were analyzed using SPSS and AMOS software. The results showed that organizational learning has a direct effect on staff professional development and organizational change and staff professional development has a significant mediating role in the relationship between organizational learning and organizational change. Manuscript profile
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        71 - Analysis and Identification of General and Specialized Competencies of Financial Expert with Development Approach (Case Study: Day Bank)
        Mansoureh Chahardoli Zahra Lebady Fatemeh Parasteh-Ghombavani Mojgan Abdollahi
        10.52547/istd.31384.8.30.0
        Financial experts have a key role in the informed decision-making of managers in the strategic plans of banks, therefore, the performance of this group of experts is particularly sensitive. With this in mind, this article identifies the competencies of financial experts More
        Financial experts have a key role in the informed decision-making of managers in the strategic plans of banks, therefore, the performance of this group of experts is particularly sensitive. With this in mind, this article identifies the competencies of financial experts in the field of banking. According to the nature and purpose of this research, its approach is qualitative and has been done with the method of Grounded Theory and Charms structuralist design. The statistical population of the research includes all financial experts working in the financial department of Bank Day Total: liquidity management and management accounting). Research tools include semi-structured interviews, notebooks and tape recorders. The data of this study are the result of interviews with 30 financial experts who were selected by snowball sampling method (sampling was continued until the theoretical saturation stage in the collected information). The text of the interviews, which included 33 hours of individual interviews with the research sample, was Implemented and analyzed by theme analysis method. A total of 79 competencies were identified as required competencies for Bank Day financial experts in the form of 12 sub-categories and 4 main categories with individual, interpersonal, basic and general knowledge titles. Job, technical and key job knowledge and finally in two dimensions of specialized and general competencies were determined and defined. Manuscript profile
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        72 - Redesigning Evaluation and Effectiveness in the Training and Development System of Private Banks: Proposing an Integrated Model
        دکتر علی دانا Mohammadreza Nili Ahmadabadi Khadijeh Aliabadi Ali Delavar Mohammadali Dehghan Dehnavi
        The purpose of this study was to study the evaluation and effectiveness system in private banks in order to propose an integrated model for evaluation and effectiveness in private banks. The present study was carried out mixed method. In the qualitative section, the ind More
        The purpose of this study was to study the evaluation and effectiveness system in private banks in order to propose an integrated model for evaluation and effectiveness in private banks. The present study was carried out mixed method. In the qualitative section, the inductive content analysis method was used and a quantitative part of the survey design was used. The statistical population of this study was all employees of the Private Banking in Training and Development unit, and training and development experts who were selected randomly in a randomized, non-randomized, simple and descriptive manner. A semi-structured interview and a researcher-made questionnaire were used to collect data. Validity and reliability of the tools used in the research were confirmed. Also, for analyzing qualitative data, Graneheim and Lundman's method was used and for analyzing quantitative data one sample T test was used. The results showed that the evaluation and effectiveness system in private banks is not well-suited and it is not done in a coherent, organized and integrated way. The findings also showed that the components of the integrated evaluation and effectiveness model of training and development can be classified into 8 main categories. Finally, the results showed that the proposed model is valid from the perspective of experts. Manuscript profile
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        73 - Designing an Integrated Development Model for Electronic Banking Services Innovation Based on Dynamic Capabilities Using Fuzzy MICMAC
        Ali Etemadifard kamal tabaeian Nazanin  Pilevari Abbas  Khamseh
        Today, the competitive environment of banks, especially in the field of electronic banking services, is changing drastically, and service innovation has become very important and vital for service companies to increase their resources and dynamic organizational capabili More
        Today, the competitive environment of banks, especially in the field of electronic banking services, is changing drastically, and service innovation has become very important and vital for service companies to increase their resources and dynamic organizational capabilities in order to increase innovation in banking services. Despite this importance, insufficient studies have been conducted on innovation in some of the country's service industries (such as the electronic banking industry). The purpose of this study is to identify indicators and sub-indicators of e-banking service innovation based on dynamic capabilities in the bank and to determine the communication and 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 10 experts, the areas of e-banking services, from 46 identified sub-criteria, to 13 sub- criteria for service innovation and 17 sub- criteria for dynamic capabilities Was reduced. criteria of service innovation and dynamic capabilities based on theoretical foundations, were classified into 11 main criteria and in the form of a general concept entered into the analysis of interpretive structural modeling / fuzzy MICMAC and by developing an integrated model to measure the effectiveness of criteria. The results showed that the effectiveness of the criterion "Perception of user needs and technological options" is better than other criteria and vice versa, the effectiveness of the criterion "New service delivery system - technological component" is weaker than other criteria Manuscript profile
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        74 - 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
        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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        75 - Designing a model based on blockchain technology to strengthen cyber security in the banking industry
        hossein amoozadkhalili neda haghi Reza Tavakkoli-Moghaddam
        10.61186/jstpi.33168.19.76.60
        Designing a model based on blockchain technology to strengthen cyber security in the banking industry is one of the new methods studied in the banking industry to strengthen cyber security. Accordingly, this study seeks to achieve the goal of evaluating a model based on More
        Designing a model based on blockchain technology to strengthen cyber security in the banking industry is one of the new methods studied in the banking industry to strengthen cyber security. Accordingly, this study seeks to achieve the goal of evaluating a model based on blockchain technology to strengthen cyber security in the banking industry based on artificial neural networks. This model is based on a conceptual model used in an MLP neural network simulation that simulates a blockchain-like process. Also, the neural networks created in the block chain have a strong connection and the possibility of breaking them is low. The data became closer to normal distribution after learning, indicating that blockchain technology will be able to provide cyber security. The level of correlation and efficiency presented was also reported and the findings of the study showed that the efficiency related to blockchain technologies after learning reached the level of 770.57 units, which shows that using the MLP method to learn the process of blockchain technology can be Lead to greater efficiency for cyber security. Also, the value of variance is equal to 27.77 and the mean value of computational values is equal to 0.35 and the value of correlation is equal to 0.99. Manuscript profile
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        76 - The Role of IoT Technology Features in Perceived Value Creation, Intention to Advertise and Continue to Receive Customer Services at Sepah Bank
        Yaser Ghasemi Nezhad hamidreza fallah lajimi Ahmad Sheikhol-Islami Tonekaboni
        10.61186/jstpi.34236.19.76.71
        The use of IoT in the banking industry leads to the provision of various banking products and services to customers. New digital innovations, including the Internet of Things, have also created a competitive market for banks, and banks need to adapt their practices acco More
        The use of IoT in the banking industry leads to the provision of various banking products and services to customers. New digital innovations, including the Internet of Things, have also created a competitive market for banks, and banks need to adapt their practices accordingly. Therefore, in the present study, value creation with IoT technology was investigated in Sepah Bank. For this purpose, the statistical population of this research includes 130 employees of all departments of the information technology department of Sepah Bank. Using Morgan table, the number of statistical samples of this research was 86 people. For inferential analysis of data obtained from standard questionnaires, based on Balaji & Roy research (2017), the correlation method based on structural equation modeling with partial least squares approach and SPSS and SmartPLS software were used. The results of the study showed that the perceived excellent performance had a positive and significant effect on the shared value creation and the intention to continue receiving services from the Internet of Things, as well as the perceived aesthetic demand on the perceived value creation and excellent performance of The Internet of Things and the intention to continue receiving services and the intention to verbally advertise has had a positive and significant effect, as well as the intention to continue receiving services has a positive effect on the intention to verbally advertise customers, but perceived ease of use and perceived existence do not have a positive effect on perceived shared value creation. Manuscript profile
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        77 - Providing an e-learning pattern for Tejarat Bank managers
        Seyede zahra sadat Kiyaei fatemeh hamidi far baharak shirzad kebria
        The purpose of this research is to provide an e-learning pattern for Tejarat Bank managers. This research is qualitative and quantitative (exploratory mix) in terms of applied purpose, in terms of how to collect data. The sample size in the qualitative to theoretical sa More
        The purpose of this research is to provide an e-learning pattern for Tejarat Bank managers. This research is qualitative and quantitative (exploratory mix) in terms of applied purpose, in terms of how to collect data. The sample size in the qualitative to theoretical saturation section was 21 people and in the quantitative section according to Morgan table from the 300 managers of Tejarat Bank headquarters in the five districts of Tehran, 169 people were selected and distributed by stratified random sampling questionnaire. The researcher-made questionnaire in the form of 6 dimensions of paradigm model consisted of 19 components and 147 indicators. In order to identify and confirm the measurement factors, the validity of the questionnaire was tested separately for each dimension by first-order confirmation factor analysis (dimensions consisting of two components) and second-order (dimensions consisting of more than two components). The results show that confirmatory factor analysis confirmed the quantitative results of the Strauss and Corbin Foundation data model to a large extent and the e-learning model of Tejarat Bank managers with 6 dimensions, 19 components and 134 indicators was obtained. Including cultural readiness, technical readiness, educational readiness, environmental readiness; Causal factors include human factors, educational structure and policies, management; Interfering factors include individual approaches, managerial approaches; Strategies included educational approaches, pedagogical and andragogical approaches, educational assessment and evaluation, ease of access, targeted educational quality, innovation and creativity, integrated management and finally the consequences included educational success and meritocracy, foresight, increasing effectiveness and improving organizational performance. Manuscript profile
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        78 - Designing a Technological Entrepreneurship Model in Keshavarzi Bank
        mohammadbagher rabbani mahmoodreza mostaghimi Ahmad Mehrabian Ibrahim  Abbasi
        Today, the use of technology in organizations as a solution to organizational problems has led to the emergence of a new concept: "technological entrepreneurship." Banks are considered one of the most influential organizations in the development of entrepreneurship in t More
        Today, the use of technology in organizations as a solution to organizational problems has led to the emergence of a new concept: "technological entrepreneurship." Banks are considered one of the most influential organizations in the development of entrepreneurship in the country, and the advancement of technology has prompted the banking industry to utilize technological entrepreneurship to improve efficiency. Therefore, the aim of the current research was to design a technological entrepreneurship model for the Agricultural Bank. This research is applied in terms of purpose and descriptive-correlational based on the method. The statistical population in the qualitative stage comprised 20 experts who were selected by a purposeful judgment method. In the quantitative stage, there were 250 employees of the Agricultural Bank of Golestan province. The sample size was determined to be 152 people according to the Krejcie and Morgan table, and sampling was done using a simple random method. The Delphi method was used to identify factors, and the structural equation modeling method with Smart PLS3 software was used to design the model. The Delphi results showed that the effective factors on technological entrepreneurship include 36 components in the form of 7 dimensions: inter-organizational, structural, institutional, skill, managerial, market and customer interactions, and technology. Additionally, the results of structural equation modeling showed that inter-organizational (0.792), structural (0.841), institutional (0.846), skill (0.726), managerial (0.628), market and customer interactions (0.598), and technology (0.491) factors have a positive and significant effect on technological entrepreneurship. In conclusion, technological entrepreneurship is considered an important strategy for the Agricultural Bank to remain competitive in a highly dynamic environment. Manuscript profile
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        79 - Obstacles to the principle of the rule of will and the place of good morals in banking contracts
        Ali  Dizaji Behshid  Arfania ali reza mazloom rahni
        The principle of the rule of will has been accepted as a basic principle in the civil law and has cast a shadow over the laws and rules of transactions. (Including contract, agreement, condition). Obstacles that are also enumerated in the legal doctrine are not rooted i More
        The principle of the rule of will has been accepted as a basic principle in the civil law and has cast a shadow over the laws and rules of transactions. (Including contract, agreement, condition). Obstacles that are also enumerated in the legal doctrine are not rooted in the lack of will and sovereignty of the will, but are rooted in materials that are themselves relative and variable, so these obstacles can not be considered as obstacles to the rule of will, but these obstacles in the implementation and effectiveness stage. Are effective in position. Of course, this does not mean giving too much credit and expansion, because the need for supervision in the legal world is undeniable, but supervision does not mean restraint. As a result, the conditions stated in the banking contracts should not contradict the bank rules and regulations. In any case, observance of the bank rules is necessary and necessary, and if a special condition or rule is included in the contract contrary to the banking rules, the customer can The court will request its annulment. The aim of this study was to investigate the barriers to the flow of the principle of the rule of will in banking contracts in a descriptive-analytical method. Manuscript profile
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        80 - Identifying social banking innovation process components with digital transformation approach by fuzzy Delphi method
        َAli Mahmoodi Abbas  Khamseh Mehrdad Hosseini Shakib
        This article aims to present the model of social banking innovation process with digital transformation approach by fuzzy Delphi method, which is applied in terms of purpose and qualitative research in terms of data collection. The statistical population includes all un More
        This article aims to present the model of social banking innovation process with digital transformation approach by fuzzy Delphi method, which is applied in terms of purpose and qualitative research in terms of data collection. The statistical population includes all university experts and senior bank managers who were selected for the Delphi process using 16 people using the snowball technique. The collection tool in this study is the Delphi questionnaire. Indicators were collected using fuzzy Delphi technique. The validity of the research was obtained by agreement of experts and validity with the help of consensus and formal validity. The results showed that during the three stages of the survey of 66 components, the final model has 43 components and has 6 dimensions. Based on the results obtained from fuzzy Delphi method and research literature was expressed. The 43 factors (indices) identified and approved by experts are the basis of the formation of the research model, which are classified into 6 separate groups: 1- Social factors (SF), 2- Rules and policies (RP), 3- Digital transformation infrastructure (DTI), 4- Innovative approach (IA), 5- Security (S) and 6- Banking industry structure (SBI) Manuscript profile
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        81 - Reactive Power management in Distribution Network Considering uncertainties in the Presence of Discrete and Continuous Reactive Power Compensator Equipment
        mahboobeh etemadizadeh maryam Ramezani H. Falaghi
        The increasing rate of distributed generation resources expansion into power systems and the random nature of these resources have altered the operation and design of these networks, and reactive power management in distribution networks belongs to this category. The us More
        The increasing rate of distributed generation resources expansion into power systems and the random nature of these resources have altered the operation and design of these networks, and reactive power management in distribution networks belongs to this category. The use of these resources in distribution networks is not without challenges and the lack of optimal management of reactive power may not bring economic efficiency for the network. Energy storage systems have the potential to solve this problem. Therefore, in this article, reactive power management in a microgrid connected to the main grid, taking into account distributed generation sources, energy storage systems and discrete reactive power compensating equipment, including capacitor banks, taking into account uncertainty in network load and Wind and solar power generation has been done. Finally, the efficiency of the method is demonstrated by numerical examinations on the distribution networks of 33 and 69 IEEE buses and in the GAMS optimization software. Manuscript profile
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        82 - The impact of conflicting transactions on bank mortgages
        Alireza   Anabi Faezeh   Jahanimoghadam
        The continuous expansion of real estate buying and selling has led to some profit-seeking individuals abusing this field, resulting in the increase of crimes such as fraud, illegal transfer of property, and conflicting transactions. Criminal penalties such as fraud and More
        The continuous expansion of real estate buying and selling has led to some profit-seeking individuals abusing this field, resulting in the increase of crimes such as fraud, illegal transfer of property, and conflicting transactions. Criminal penalties such as fraud and illegal transfer of property are explicitly stated in the law and a specific legal process has been considered for these types of crimes. However, conflicting transactions are somewhat complicated due to ambiguities in the text, and there is no clear legal process for dealing with such crimes. In the banking system, conflicting transactions have also caused problems in the system, particularly due to the absence of a unified legal process for dealing with conflicts between official mortgage documents and ordinary sales documents. This lack of legal clarity has made official documents unreliable, leading to harm to the banking system and providing a platform for abuse by facilitators. On the other hand, the priority of official mortgage documents over ordinary sales documents has increased the credibility of official documents, but it has also caused harm to the buyer. This article attempts to examine the impact of conflicting transactions on bank mortgages and the enforcement of these types of transactions in Iran's legal system. Manuscript profile
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        83 - Legal Investigation on Effects of Abstract Payment Undertakings
        Fatemeh Behnam
        Abstract payment undertaking is a form of unilateral legal act that upon formation creates mandatory undertaking on the issuing party and as far as the issuing party has not paid the certified fund to the beneficiary, he shall have no right vis-à-vis the beneficiary. Co More
        Abstract payment undertaking is a form of unilateral legal act that upon formation creates mandatory undertaking on the issuing party and as far as the issuing party has not paid the certified fund to the beneficiary, he shall have no right vis-à-vis the beneficiary. Commitment to verification of documents, commitment to precision and good faith, commitment to informing the beneficiary about non-conforming cases and commitment to paying issuing party’s undertakings against beneficiary as well as rights resulting from violation of soundness, exactness, genuineness of instruments, and lack of committing fraud on one side, and the rights coming from subrogation in payment on the other side, are among the rights generated after payment of the certified fund by the issuing party with regards to beneficiary. As far as the beneficiary is yet to receive the certified fund, he shall have no undertaking toward the issuing party or the secondary bank. It is clear that after presentation of documents and payment of the fund by the beneficiary, the above-mentioned undertakings shall be attributed to him. Manuscript profile
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        84 - Presenting the grading model of branches and supervision departments with two modern banking approaches and integrating branches using AHP and DEA
        hamid  asayesh Mohammad  Khorsand Zak mahdi kamali Asadollah   Fasihi
        Purpose: The purpose of this research is to explain the grading criteria of departments and branch supervisors in banking with two approaches of modern banking and merging branches. Necessity: In the first step, the efficiency model of regions and guardianships should More
        Purpose: The purpose of this research is to explain the grading criteria of departments and branch supervisors in banking with two approaches of modern banking and merging branches. Necessity: In the first step, the efficiency model of regions and guardianships should be examined, regarding the measurement of the efficiency of banks, various studies have been found that sometimes have contradictory results, but considering the two simultaneous approaches of modern banking and the integration of branches, regarding the explanation of the framework of efficiency evaluation in No research has been found on the level of supervisors and branch offices. Methodology: In this research, hierarchical analysis (AHP) is used to determine the grading criteria of branch affairs offices and supervisors, and data envelopment analysis (DEA) is used for grading. Findings: Among the 27 branches and supervision departments of the bank, 11 branches and supervision departments have a relative efficiency of 100%, which include the branches and supervisions of West Azerbaijan, Ilam, Greater Tehran, Razavi Khorasan, Zanjan, Qazvin, Qom, Kurdistan, Kahgiluyeh and Boyer Ahmad, Markazi and Hormozgan. Conclusion: All the branch affairs departments and bank supervisors are not working. 11 branch affairs administration and country supervision during the years 1400-1395 have always worked efficiently. The management of this office of branches and guardianships can be encouraged and set as a model for other branches and guardianships. However, the method of data coverage analysis introduces patterns well for each department of branch affairs and supervision. Manuscript profile
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        85 - Presenting a model in order to improve the professional qualification of human resources managers of National Bank of Iran
        Abbasali Samadianbarzaki mahmoud safari Masome Oladian
        The current research is designing a model to improve the professional qualification of human resources managers of the National Bank of Iran. The method of this research is practical in terms of purpose and it was done by mixed-exploratory (qualitative-quantitative) met More
        The current research is designing a model to improve the professional qualification of human resources managers of the National Bank of Iran. The method of this research is practical in terms of purpose and it was done by mixed-exploratory (qualitative-quantitative) method. The statistical population in the qualitative section included senior managers of human resources and professional academic experts. Data collection was done through semi-structured interviews with 15 people from the statistical population who were selected by purposive sampling. The research data were analyzed based on the qualitative analysis process during open, central and selective triple coding through MaxQuda 2020 software. The statistical population in the quantitative part includes the managers, employees and experts of the Human Resources Unit of the National Bank of Iran. Data collection was done through a researcher-made questionnaire from among 291 members of the statistical population who were selected by random sampling. The analysis of the collected data was done in two descriptive and inferential ways through SPSS 16 and Smart PLS software.so results of the qualitative analysis of the professional qualification improvement model of human resource managers with two macro-level dimensions (banking field) including organizational infrastructure components, knowledge management system, development programs in the bank, stakeholders' participation in the design of professional qualifications, organizational attitude in the bank, banking educational strategies It included the components of managers' personality factors, managers' leadership skills, managers' technological knowledge, educational-research skills. Priority and personality factors of managers (with a factor load of 0.775) had the lowest priorityand the micro level) Manuscript profile
      • Open Access Article

        86 - From Introduction to Consumer Behavio: Investigating the Moderator Role od OLE Aesthic Risk and Percived Economic
        omid behboodi Zahra Mohamadzadeh Tayebeh Ramezani
        The purpose of this study is to investigate the role of intention to use electronic banking services on the actual behavior of using these services and the moderating role of economic risk and perceived aesthetics on the relationship between intention and behavior in th More
        The purpose of this study is to investigate the role of intention to use electronic banking services on the actual behavior of using these services and the moderating role of economic risk and perceived aesthetics on the relationship between intention and behavior in the future bank.The descriptive research method is an applied goal,and in terms of implementation method,a descriptive survey and a questionnaire were used to collect data.In the present study,the statistical population includes customers and depositors of Ayandeh Bank who use the electronic services on the Internet of this bank. Data analysis of250 questionnaires collected from Ayandeh Bank customers in Mashhad was performed using structural equation modeling technique and PLS statistical software. The results showed that the structural model of the present study has sufficient predictive power.It was also found that the intention to use e-services affected their behavior of such services.The results showed that the perceived economic risk negatively affects consumers' intention to use the e-services of Ayandeh bank on their usage behavior.It was finally determined that perceived aesthetics risk does not affect the relationship between our sample's intention to use e-banking services' behavior.In general,the intention to use motivational factors affects the behavior of actual use of technology, and this study depicts e-banking and shows the number of efforts people are willing to make Manuscript profile
      • Open Access Article

        87 - Investigating the effect of analyzing the mediating role of ethical marketing on the effect of human resource management performance on internal marketing in Sepeh Bank employees in the northwest of the country
        Taghi mohamadi Reza abdollahzade صابر قرباني siamak kazemzadeh
        Purpose :. The purpose of this research is to analyze the mediating role of ethical marketing on the effect of human resource management on internal marketing among the employees of Sepeh Bank in the northwest of the country. Methodology: This research was applied in t More
        Purpose :. The purpose of this research is to analyze the mediating role of ethical marketing on the effect of human resource management on internal marketing among the employees of Sepeh Bank in the northwest of the country. Methodology: This research was applied in terms of purpose and descriptive survey in terms of method. The statistical population of the research was 160 employees of Sepeh Bank branches in Selmas and Khoi. The sample size is 113 people using Morgan table and simple random sampling method. The research tools are internal marketing standard questionnaires (Mooney and Forman; 1995), Safari et al.'s ethical marketing questionnaire (2016) and Andrey's standard human resource management performance questionnaire. Oh you. It was Deval (2004). Structural equation method and PLS and SPSS19 software were used to test the research hypotheses Findings: Data analysis showed that the performance of human resources management has an effect on internal marketing with the mediating role of ethical marketing. The performance of human resources management has a positive and meaningful effect on ethical marketing. Ethical marketing has a positive and significant effect on internal marketing. The performance of human resources management has a positive and significant effect on internal marketing. Conclusion: Improving the quality of the organization's human resources performance can lead to gaining a competitive advantage and improving the organization's performance. Improving the performance quality of human resources and bank employees is dependent on their satisfaction as internal customers of the organization, and bank management can direct the skills, attitudes and behavior of employees towards the bank's goals through internal marketing. Manuscript profile
      • Open Access Article

        88 - Capability of issuing conditional cheques; A criticism to article 3 of Cheque Issuing Act modified at 1382/06/02
        فرشاد فرازمند
        The autonomy principle in payment and guarantee instruments such as Letters of Credits, Demand Guarantees (Bank Guarantees), Bills, Promissory Notes and Cheques have become one of the inseparable characteristics, to the point that it constitutes the nature of these in More
        The autonomy principle in payment and guarantee instruments such as Letters of Credits, Demand Guarantees (Bank Guarantees), Bills, Promissory Notes and Cheques have become one of the inseparable characteristics, to the point that it constitutes the nature of these instruments. Most countries laws and international conventions have identified the principle in their rules. Autonomy principle increases payment certainty remarkably so that any excuse, exterior from payment relationship cannot block payment procedure. On the other side the execution of the principle in absolute and inflexible manner can cause issuer (The person who is responsible for payment) to be harmed where the beneficiary is not entitled to pay rightfully and fairly. One of the ways which could reduce the absoluteness of autonomy principle and make it flexible is possibility of predicting conditions which acts as a complementary for autonomy principle in different rules and reduces harmful and unfair consequences of absolute application of autonomy principle. By comparatively study the provisions of various payment and guarantee instruments, In this research, we are trying to consider that are cheques, as a common payment and guarantee instrument among people, possible to be issued with conditions or not. Manuscript profile
      • Open Access Article

        89 - Investigating of analyzing the mediating role of ethical marketing on the effect of human resource management performance on internal marketing in Sepeh Bank employees in the northwest of the country
        تقی  محمدی saber ghorbani Reza abdollahzade siamak kazemzadeh
        Taghi Mohammadi Saber Ghorbani Reza Abdulzadeh Siamak Kazemzadeh Abstract Purpose:. The purpose of this research is to analyze the mediating role of ethical marketing on the effect of human resource management on internal marketing among the employees More
        Taghi Mohammadi Saber Ghorbani Reza Abdulzadeh Siamak Kazemzadeh Abstract Purpose:. The purpose of this research is to analyze the mediating role of ethical marketing on the effect of human resource management on internal marketing among the employees of Sepeh Bank in the northwest of the country. Methodology: This research was applied in terms of purpose and descriptive survey in terms of method. The statistical population of the research was 160 employees of Sepeh Bank branches in Selmas and Khoi. The sample size is 113 people using Morgan table and simple random sampling method. The research tools are internal marketing standard questionnaires (Mooney and Forman; 1995), Safari et al.'s ethical marketing questionnaire (2016) and Andrey's standard human resource management performance questionnaire. Oh you. It was Deval (2004). Structural equation method and PLS and SPSS19 software were used to test the research hypotheses Findings: Data analysis showed that the performance of human resources management has an effect on internal marketing with the mediating role of ethical marketing. The performance of human resources management has a positive and meaningful effect on ethical marketing. Ethical marketing has a positive and significant effect on internal marketing. The performance of human resources management has a positive and significant effect on internal marketing. Conclusion: Improving the quality of the organization's human resources performance can lead to gaining a competitive advantage and improving the organization's performance. Improving the performance quality of human resources and bank employees is dependent on their satisfaction as internal customers of the organization, and bank management can direct the skills, attitudes and behavior of employees towards the bank's goals through internal marketing. Manuscript profile

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