Presenting a Conceptual framework of Customer Relationship Management in Electronic Banking with Emphasis on Using Business Intelligence Tools (Case Study: Sepah Bank and Merged Banks)

Customer relationship management provides the basis for customer optimal communication, customer loyalty and customer retention. This requires the design of customer-based strategies, the proper implementation and applying of technology, employee empowerment and increasing the level of customers knowledge. Given the advances in e-banking and the reduction of face-to-face contact points, the use of business intelligence tools to effectively use large volumes of customer information also seems necessary. The purpose of present study is to provide a conceptual framework for customer relationship management in electronic banking using business intelligence tools in Sepah Bank and merged banks. For this purpose, a qualitative research has been conducted and first, by reviewing the studies, the initial framework has been identified and then, Theme Analysis has been used for its development in electronic banking. The research population is 7 experts of case study. Semi-structured interviews were used to collect data and credibility and confirmability were used to assess the validity of the results. After analyzing the data, the customer relationship management framework in e-banking is classified into 6 dimensions, 16 components and 35 indicators. The main dimensions of which are Customer reach and acquisition, Customer identification, Customer attraction, Customer relationship development, Customer retention and customer relationship review.