مجید احمدی

The aim of the current research is to identify the futures of marketing in the banking industry with a focus on blockchain technology. The current research is applied in terms of direction and has a mixed methodology due to the use of qualitative and quantitative methods together. The theoretical population of the research was experts in banking marketing and digital financial technologies, especially blockchain, and the sampling method was done in a judgmental method. The sample size in this study was equal to 15 people. For data analysis, meta synthesis methods, Binominal's statistical test, developed Copras and root definitions tool were used. The tools of data collection in this research were interviews and questionnaires (expert evaluation and priority evaluation questionnaires). 47 drivers were extracted from meta synthesis and these drivers were classified into nine main drivers. The drivers of the research were screened in two stages using theory-based inference screening and Binominal's test, and 12 drivers were considered for prioritization using the Copras technique. The remaining drivers were evaluated using the Copras technique and three criteria of importance, degree of certainty and experts' expertise. The findings showed that the drivers of marketing researchers' interest in digital financial technologies and blockchain and the development of decentralized banking had the highest priority and were selected for scenario planning. Based on these two drivers, four scenarios of crypto bank, conservative banking, pioneer banking and traditional banking were developed. The research proposals were proposed based on the important drivers and the desired scenario (crypto bank).

INTRODUCTION: Since Iran is located in the semi-arid belt, it has faced such issues as drought, dust crisis, and intensified migration. The assessment of the effects of climate change includes identifying some key aspects of uncertainties used to estimate its impacts, such as uncertainties in the context of Atmosphere-Ocean General Circulation Models (AOGCMs): in regional-scale climatology, in statistical or dynamic downscaling methods, and parametric and structural uncertainties in different models. One of the most important sources of uncertainty in climate change is the use of different AOGCMs that produce different outputs for climate variables. METHODS: In this study, to investigate the uncertainty of AOGCM models, the downscaled data of the NASA Earth Exchange Global Daily Downscaled Projections dataset obtained from 21 AOGCMs with medium Representative Concentration Pathway4.5 scenario were downloaded from the NASA site for 81 cells in Hamadan Province, Iran. After the validation of the models, they were evaluated against the criteria of the coefficient of determination and model efficiency coefficient in comparison with the data of the Hamedan synoptic station in the statistical period of 1976-2005. To reduce the uncertainty of AOGCMs, the ensemble performance (EP) of models was used in Climate Data Operators software. FINDINGS: It was revealed that MRI-CGCM3, MPI-ESM-LR, BNU-ESM, ACCESS1-0, MIROC-ESM, MIROC-ESM-CHEM, and MPI-ESM-MR models had better performance than similar models. It was also found that IPSL-CM5A-LR, CNRM-CM5, CSIRO-Mk3-6-0, CESM1-BGC, and GFDL-ESM2M had the lowest correlation between observational and simulation data of mean monthly precipitation. CONCLUSION: According to the results, this method could provide a good estimate in the base period (1976-2005), compared to the data of the Hamedan synoptic station, and was more accurate compared to the single implementation method of each AOGCM model. The results of EP of models in the future period (2020-2049) showed that precipitation will not change considerably in the future and will increase by 0.23 mm. In addition, the average, maximum, and minimum annual temperatures will increase by 1.54°C, 1.7°C, and 1.40°C, respectively.

The present study was carried out aimed to investigate the role of self efficacy and social tendencies in green purchase intention and behavior. This study is considered as an applied research in terms of purpose and descriptive-survey research in terms of data collection method. In this study, the statistical population includes all consumers of organic products supplied at Ofogh  Koorosh chain  stores  (OKCS), including Talavang eggs and organic disposable tableware. Therefore, 384 questionnaires were collected. These questionnaires were distributed by stratified probability sampling method. Cronbach's alpha coefficient was used in order to evaluate the reliability of the questionnaire and confirmatory factor analysis technique was used to evaluate the validity of the questionnaire. Then, using structural equation modeling using Lisrel software was used to analyze data. According to the results of investigating the research hypotheses, social tendencies, self-efficacy and consumer attitude play a role in green purchase intention, and the role of environmental knowledge in consumer attitudes has been shown. And, finally, green purchase intention has played a role in green purchase behavior. Therefore, environmental knowledge has a significant effect on green purchase behavior through consumer attitudes and purchase intention.