فهرست مطالب abbas toloie

In the present era, under the title of digital transformation era, we are facing a tsunami of data and information, and in this era, we can admit that what will cause this great transformation in the country's banking industry, under the title of digital banking, is the use of open banking using the volume There is a lot of data and information in providing quality and special services to customers. In this field, the main key to enter the banking field is to use fintechs. Financial institutions are moving quickly to develop their response to the advancement of open banking by fintechs and other non-traditional financial institutions. The methodological approach of the current research is scientific and based on the literature of the subject and theoretical foundations, the result of which is the identification and presentation of a scientific framework that enhances knowledge. In this article, after examining and understanding open banking in the era of digital transformation, the ecosystem of open banking, approaches and products of this field have been introduced, and then, with a scientific and research review of the background of open banking, the course of its developments in the world and Iran has been outlined. Finally, the current research shows that the main window to enter the era of digital transformation in the banking industry is the use of platforms and APIs with combined models that suit the needs of each customer.

Making more profit in organizations requires accurate tools to strengthen the business for proper financial planning. Therefore, the purpose of this study was to demonstrate knowledge of the neural network to provide a framework for achieving the desired profit in the organization's financial planning. This research was of the applied type and was performed by the analytical survey method. The study population was the organizations present in the Exchange and Securities Organization, and the data extracted from the official system of the Exchange and Securities Organization of Iran (Cadal) were used. This research was conducted using the neural network method in a MATLAB program environment. Findings The range of changes of factors affecting the main index in the organization's financial planning (profit) and the most important factors affecting it were determined. The proposed framework was reviewed in three different sets of three various industries and had acceptable results. Therefore, the study results indicated that the proposed framework in this study could be used for other organizations present in the stock exchange and securities.

A service level agreement is a commitment between the service provider and customer in which certain aspects of services, quality, availability, and responsibilities are agreed upon between the service provider and service user. The purpose of this research is to design the service level agreement model using the database theory. This research was conducted based on rounded theory and a qualitative-quantitative approach. The method of data collection in the qualitative section was an in-depth interview and the interview texts were analyzed in three stages open, central, and selective coding. Atlas software was used for data analysis. The sampling method was snowball type, which was achieved by conducting a total of 16 interviews with experts in the field of information and communication technology. In the quantitative part, the statistical population of knowledge-based companies active in the field of information and communication technology was determined, and based on confirmatory factor analysis, a sample size of 120 people was selected. For the quantitative validation of the model, the structural equation modeling method was used. In the qualitative part, determining the causal factors, background, strategy, intervention, and consequences of designing the service level agreement model was done.In the quantitative part, the effect of causal conditions on the main phenomenon is equal to 0.662, the effect of the main phenomenon on the strategy is equal to 0.428, the effect of background conditions on the strategy is equal to 0.551, the effect of intervening conditions on the strategy is equal to 0.408 and the impact of the strategy on the outcome was calculated as 0.639. In the qualitative part, the research resulted in the design of a new service level agreement model based on data theory, and in the quantitative part, the significance and standard coefficient of the model components were confirmed. Keywords: service level agreement model, database theory, customer, service.

Technology management includes efforts to continuously create technology, design new products and services, and their success. The creation and exploitation of technology involve a series of events that begin with inventions and end in the market. The oil is produced after the drilling and completion of the well. Since the presence of water and gas can cause problems for consumers such as refineries, exports, etc., they must first be processed before being sent to the main consumer. For the first time in the country, this article presents a comprehensive and valuable study of the technology management of the surface facility. The earlier research in the world had a less specialized and comprehensive view of this section, so this research disruption in the management and transfer of this technology has led us to examine the position of technology in this section and compare it with the successful model in the world. The article is going to the managers, experts, and engineers to compare and determine the challenges to determine the technological gap in field research and interview the experts of this knowledge to provide a solution to fill this gap and present valuable and innovative research in this interdisciplinary topic.

Making more profit in organizations requires them to have accurate tools to strengthen the business for proper financial planning. So far, no comprehensive model for the financial planning of organizations with minimum deviation from predefined goals has been presented. The purpose of this study is to provide such a model to achieve more accurate management decisions. In this research, an intelligent adaptive control model has been developed using the Elman neural network adaptation algorithm in the system identification process. This model has been developed using data extracted from the official website of the Iranian Stock Exchange and Securities Organization. Some of the most important indicators of profit (as a measure of the company's financial performance) and also optimal profit amount as input and the allowable intervals of its changes to achieve the desired profit as output of the model have been determined and examined.

Factors affecting the technology, and innovation levels of crude oil treatment’s surface facilities, are numerous and extensive. Localization of surface facility as a high-tech Technology, which include oil and gas production and processing units, has always been one of the main issues, and technology management and innovation are essential priorities for these facilities. The purpose of this practical, heuristic, and quantitative research is to develop the studies and identify the current state of technology for crude oil treatment’s surface facility technology level in Iran and compare it with its global one.

Considering the wide range of factors that are used in evaluating technological and innovative capabilities with uncertainty. This research is applied in terms of purpose. Using a survey method and collecting qualitative data through a questionnaire, has led to descriptive results. This study by referring to experts and specialists, these factors according to their importance and priority in different classes of classification and then with statistical analysis, the relationship and correlation of these factors have been examined. For this purpose, 44 experts in oil and gas industry have been used for replying the qualitative questionnaire, then the fuzzy system model has been used to investigate the uncertainty in their answers and Quantitative results.

The results of this study show that the most influential factors in surface facilities such as technological and innovative factors and managerial potential and human resources, etc. are not at an acceptable level compared to developed countries.

The analysis of uncertainty between opinions of experts and factors investigated also confirms that attention to innovation and technology capacity and Technology capability and human resources in the National Iranian Oil Company should be increased.

The purpose of present article is to design a dynamic model (DM) of financing SMEs according to Decision Making Trial And Evaluation Laboratory (DEMATEL) based on Analytical Network Process (ANP) (DANP) approach. The innovation of this article is to take hybrid of DANP and DM in financing SMEs approach. This article has paid using different scenarios in financing SMEs and model simulation. The dynamic model is formulated therefore, based on previous literature and the fuzzy screening method, extracting effective factors on financing SMEs and causal link identified. Then it was included in the model using the DANP the relationships between them and the amount of impact coefficients are determined. Finally identify new financing methods over a 10 month period in order to test the accuracy of the model and to determine the behavior of the state and rate variables, we collected data from 24 SMEs. The behavior of research variables analyzing by evaluated in the framework of the model as well as sensitivity analysis the validity of the DM is designed. The results showed that SMEs use the designed model and the scenarios can be used to finance their business optimally.

Investors behavior is one of the most important discussion of the financial science in the financial market. Individual investors consider various factors when they buy and sell securities and show different behavior (Rational, Herding, Reaction and Heuristic). The main purpose of this research is to identify and categorize factors which impact individual investors behavior that are known as behavioral biases in behavioral finance literature. This research is practical as objective and implies a descriptive-survey research method. At the first phase of the research for the purpose of identifying those factors that impact the investors behavior, 30 behavioral finance experts participated. In the second phase of the research (examining the proposed model), statistical population consists of all investors in Tehran stock market of which 384 samples were selected randomly.. Questionnaires were made by researchers. Cronbach’s alpha Coefficient is 0.79 and 0.82 Respectively that indicates suitable reliability. The SPSS software and Smartpls.2 software was used for analyzing the data. The result of statistical analysis revealed that, financial ratios, status market, market total index trend, and rumors, etc were identified as influential factors. Finally,  factors was classified in four group(Company Internal, Transactional information, Environmental and Psychological). Research proposal model was confirmed by confirmatory factor analysis

A new matter that arises in term of the dynamic behavior of customers is considering the customer segmentation. Based on the banks competitions to increase market share as well as the psychological and environmental factors the dynamics of customers’ behavior should be considered over time. Transferring customers to different sectors over time and discovering the dominant models in their displacements between sectors are of important topics in this context.

this article aims to identify the behavioral clusters, the dominant patterns of displacement, and the leading characteristics and patterns of customer displacements with a focus on the customer dynamics behavior of Ansar banks. Design/

A Hybrid method based on clustering and association rules has been proposed.

four different behavioral group of customer are identified:" low-value customers with sustainable model", "low-value customer with unsustainable profitability model", "turned away customers with average profitability", "loyal customers with low profitability". Relations between of these groups are analyzed by association rules

One of the most important factors to evaluate how successful a R&D process could be is, exposures in the raising level of the technological capabilities. In other words, the higher the technological capabilities and growth rates, the higher chances of successfulness in an organization. Considering this, the essentiality of measuring technological capabilities of an organization by evaluation of the R&D effectiveness or calculation of the ultimate costs, which has been spent on the R&D procedures, seems obvious and vital. Therefore, in this study, based on the previous studies and the extraction of factors affecting technological capabilities as well as identification of cause and effect loop, a dynamic model has been developed. Then, using DeMetal technique, the relationships between them and the effective coefficients are determined and included in the model. Finally, in order to examine the accuracy of the modelling and determination of both state and rate variable’s behavior, data was gathered from eight science-based companies located at for knowledge-based companies applying for admission to the Securities and Exchange in a 24 months period. Analysis of the behavior of variables in these Informations not only showed the accuracy of the proposed model, but also confirmed its fluidity.

Due to increasing competition among banks, in order to attract new customers, understanding and predicting their behaviors are very critical. In order to analyze customer behavior, it is necessary to identify customers, distinguish between them, and recognize more valuable customers. To distinguish among customers, segmentation concepts are used. A new issue that has recently been raised in customer segmentation is considering dynamic behavior of customers. Based on the developments in IT, offering new banking services and the banks competitions to increase market share as well as the psychological and environmental factors the dynamics of customers’ behavior should be considered over time. Transferring customers to different sectors over time and discovering the dominant models in their displacements between sectors are one of the important topics in this context.  Therefore, this article aims to identify the behavioral clusters, the dominant patterns of displacement, and the leading characteristics and patterns of customer displacements with a focus on the customer dynamics behavior of Ansar Bank. To this end, customers have been clustered and tagged in each of the time periods using the RFM variable. By sticking labels at each interval, the transmission patterns are obtained for the customer's behavior. Then, with the help of combination method clustering and association rules, patterns of behavior have been analyzed. Based on the results, four clusters of behaviors were identified: low-value customers with sustainable model, low-value customer with unsustainable profitability model, turned away customers with average profitability, loyal customers with low profitability and the relationships between them have been analyzed. The outcomes of this study can play a remarkable role for top managers to take appropriate marketing strategies.

In paradigm of behavioral finance, the prevalent Assumption of viewing human being as rational entity who is always satisfied in optimizing his/her benefits is questionable. The advocates of Behavioral finance knowledge strongly believe that awareness of psycho-cognitive" tendencies in investment realm is absolutely essential and it requires serious improvement in terms of expanding the scope of studies. However academicians and professionals who are advocates of classic financial school do not believe in examining behavioral aspects of human and its impact on financial decisions as an independent field of studies, yet both quantitative and qualitative advancement of experimental studies within this field indicates the importance of research on behaviors in financial markets. The aim of this study is to identify influential factors on individual investor's decision making and also identifying behavioral biases, through a comprehensive review of conducted studies in Iran and comparing it with the result of studies from other countries. The finding of this study shows that domestic and foreign studies have identified similar effective factors such as financial ratios, recommendations, behavioral biases and etc. Also the effect of demographic factors on investors' behavior has been not studied in Tehran stock exchange so far.

Investors based on financial ratios analysis of bourse companies can choose and purchase different company to invest. This study suggests use of MADM techniques to assist investors to make decision on investing. In this study we try to improve analysis of financial ratios with MADM techniques .We select 25 Cement companies from Tehran Stock Exchange. We collect required data from 1385 till 1389 from audited basic financial statement. At first determine weight of indicators with use of Entropy technique and then we can rank studied companies from financial indicators points of view with TOPSIS¡ELECTRE & VIKOR and then with Copeland we rank them. The survey results show that the Cement companies of Ilam, Fars, Iran ghach, Khazar, Hormozgan, Kordestan are the highest ranking and results show that the Cement companies of Isfahan, Urmia, Ardebil, Hormozgan, and Behbahan are the lowest ranking. Finally¡ "The results of this study can help investors to choose superior company for investment with financial statement perspective.