درخت حوزه‌های تخصصی

This study explores how AI is perceived and operationalized in credit risk assessment within Iranian banking institutions, with a particular focus on the experiences of electronic banking professionals in Tehran. Drawing on grounded theory methodology and semi-structured interviews with 38 practitioners from both public and private banks, the research reveals a complex landscape of technological promise and institutional constraint. Participants emphasized the efficiency, consistency, and expanded analytical reach afforded by AI models, particularly in leveraging alternative data and enhancing fraud detection. However, these benefits are tempered by operational challenges, including fragmented data systems, outdated IT infrastructure, and opaque algorithmic outputs. Ethical and regulatory concerns—especially surrounding algorithmic bias, accountability, and the absence of formal oversight—emerged as significant barriers to responsible deployment. Moreover, organizational resistance, hierarchical decision-making structures, and cultural skepticism toward automation further complicate adoption. The findings suggest strong practitioner support for hybrid decision-making models that integrate AI capabilities with human expertise. This model offers a viable pathway toward responsible innovation, balancing the computational advantages of AI with the contextual judgment and ethical sensitivity of human agents.

Purpose: The purpose of this study was to design a biorhythm management model for Iranian public school principals with a fuzzy Delphi approach. Methodology: The design of the present study was qualitative with fuzzy Delphi method. Statistical population, professors of organizational behavior management in universities of Mazandaran province and senior managers of education departments in cities of Mazandaran province were selected and four rounds of fuzzy Delphi technique were performed with their cooperation. This selection and interviewing continued until the theoretical saturation was reached. Using the "rich information" sampling method with 15 professors of organizational behavior management in the universities of Mazandaran province and senior managers of education departments in the cities of Mazandaran province, the required information with semi-structured questionnaires Collected in four rounds. SPSS software was used to analyze the data. Findings: The results showed that the biorhythm management model of Iranian public school principals has four cycles and 28 dimensions of physical cycle (physical) (high mobility and energy, high physical strength, physical endurance and stability, physical weakness (negative), decreased physical ability (negative), inactivity and lethargy (negative), doing useful work and extreme fatigue (negative) ), Emotional cycle (interest in work and life, kindness, immorality and temper (negative), irritability (negative), confusion and mental weakness (negative), love of others, the power of creativity in affairs and mobility in Against the behavior of others (negative), intellectual cycle (mental) (rational) (promotion of intelligence, comprehension and memory, forgetfulness (negative), mental laziness (negative), poor decision-making power (negative), thinking power in affairs , Gaining new ideas and not focusing on personal and work affairs (negative) and intuitive cycle (inner inspiration, strong sixth sense, absorbing negative energy (negative) and attracting the spiritual forces of nature). Conclusion: Investigating the effect of biorhythm and different situations of employees on their job performance is an important issue and should be considered to prevent problems and increase performance, so identifying the explanatory dimensions of biorhythm management among managers of educational organizations, according to their critical tasks, is very important. And it seems necessary