iranian banking industry

In recent years, the emergence of concepts such as customer value creation, organizational networks, and open innovation has elevated open business models as an innovative approach in management studies. These models have garnered significant attention in both academic and practical arenas due to their foundational emphasis on collaboration among organizations. However, comprehensive research on specific business models and their maturity stages within the Iranian banking sector remains sparse. This article seeks to develop a model for the maturity of business model openness in this industry. Its primary goal is to identify the distinguishing factors between open and closed business models and to examine the maturity stages and their respective characteristics.

This study was conducted in two distinct phases. In the first phase, a systematic review of 303 relevant studies was performed, leading to an in-depth analysis of 30 selected articles. This phase facilitated the identification and categorization of key factors influencing business model openness. The systematic review approach ensured that a comprehensive range of literature was considered, allowing for a robust understanding of the current state of knowledge in this area. In the second phase, a grounded theory approach was employed to gather essential data through interviews with 14 experts from the banking industry. These experts provided valuable insights into the practical implications of business model openness. This methodological framework significantly contributed to the formulation of the maturity model for business model openness in this sector.

The research identified 13 subcategories and 48 codes that delineate the distinguishing factors between open and closed business models. These factors were organized into four main categories: deliverable value, value creation, value capture, and value networks, each comprising specific subcategories and codes. This structured classification allows a clearer understanding of how different elements interact within business models. Additionally, the study introduced a classification of business models in the Iranian banking industry from a developmental perspective, providing insights into how these models evolve. This classification offers strategies for enhancing organizational performance and adapting to changing market conditions.

This research's findings present a comprehensive model for identifying the distinguishing factors of business models from the perspective of openness within the Iranian banking industry. The maturity framework elaborates on the stages of business model openness and the specific characteristics inherent to each stage. Furthermore, this research serves as a case study that can inform strategies to enhance business practices and boost the competitiveness of banks, facilitating transformative changes within the industry. Ultimately, this research addresses critical scientific and practical gaps in the literature surrounding open management and innovation in the banking sector. It stands as a reliable resource for industry experts and managers, emphasizing the growing significance of business model openness in today’s dynamic environment. The results of this study can guide organizations in their efforts to evolve and optimize their operational performance, ensuring they remain competitive in an increasingly interconnected world.

In this paper, the challenges to the implementation of the IT audit process in Iran's banking network have been identified through a number of case studies in four large Iranian banks. The data has been collected through conducting 20 interviews with experts in both IT management and IT audit fields of the mentioned credit institutions, and reviewing some of their internal documents. In this research, 20 cases of the main challenges and problems in the implementation of the IT audit process were identified. The findings of the research showed the existance of "Lack of independence and existence of common financial interests", "Inability to establishing communication between IT audit unit and IT unit", "Inappropriate organization and administrative structure of the entity under audit", "Lack of specialized information technology knowledge and necessary capabilities" information technology audit", "insufficient experience and inappropriate records of information technology auditors", "lack of valid training courses and lack of auditors having valid international certificates and documents of information technology audit" and "insufficient self-confidence of auditors", are among the main challenges to the implementation of the audit process that is considered information technology. The research also provide, while providing the background for future studies regarding the formulation of frameworks and models for the implementation of IT audits in banks for researchers, helps credit institutions to take effective measures to implement the IT audit process by identifying these challenges.

brand hate is a new concept that the study and experience gap in the field of service brand is quite noticeable in this field

The current research was conducted with a mixed approach (quantitative and qualitative). The qualitative part was done by the theme analysis method and the quantitative part was done by using interpretive structural modeling. First, the data needed to identify the elements and dimensions of the comprehensive model were collected through literature and interviews, and then the relationship between the elements of the antecedents and consequences of hate model was collected. The brand (Banking Industry of Iran) has been tried to provide a conceptual model. The statistical population was 20 experts. Sampling was done non-randomly and purposefully and the number of samples was determined according to theoretical saturation during interviews and analysis.

After the interviews, open and selective codes were extracted from the interviews and combined with the codes obtained from previous researches, and 38 open codes and 10 selected codes (past negative experience, symbolic incompatibility, ideological heterogeneity, poor service, risk). High services and the possibility of bankruptcy, brand avoidance, reduced support, negative word of mouth, complaints and protests and revenge against the brand) were identified and verified by experts and their content validity was assessed with the CVR index.

After confirming the indicators and components, using the self-interactive matrix, the compatible achievement matrix and determining the relationships, the desired model was designed and presented.

Due to the fact that customer expectations are constantly increasing, organizations are required to go beyond the basic needs of customers, meet customer expectations, and shift their focus from merely satisfying customer needs to building loyalty and trust by creating long-term relationships. , mutual and profitable (quality of communication) for both parties. With the understanding they have gained of the importance of customer satisfaction, organizations are gradually moving away from traditional marketing and tending towards relational marketing. ; Therefore, the purpose of this research was to formulate and validate the relational marketing model in the banking industry of Iran with the approach of building trust and building customer loyalty with a mixed approach. Quantitative) has been analyzed. In the first stage, qualitative method and in-depth interviews were used to identify the components of the model. In the qualitative part, there are 15 university experts who were selected in a targeted way. In order to analyze the data of the qualitative part, the theme analysis method was used using MaxQuda software. Next, in order to fit the model designed in the qualitative part, a quantitative method with a structural equation modeling approach was used. The participants in this section included 384 customers of Bank Mellat in Hormozgan province, who were selected using the available probability method. The tool of data collection in the quantitative section was a questionnaire based on the findings of the qualitative section, whose validity and reliability were confirmed. Quantitative part data analysis was done by pls4 software. The results of the qualitative part showed that 15 interviews, including 7 main categories and 16 subcategories and 60 codes, were identified for developing the relational marketing model. In the quantitative section, it was found that there is a significant relationship between relational marketing and its factors, and the designed model has an acceptable fit. Relationship marketing is an old idea with a new approach. Because of the significant benefits of relationship marketing, companies are moving towards choosing relational interactions over isolated interactions. Individual interactions are formed in the short term and relational interactions are formed in the long term. Relational interactions are preferred to isolated and short-term relationships due to the increased competitiveness of companies. Relationship marketing largely depends on the customer's attitude towards the service organization, commitment and performance and communication of the employees.