Banking Industry

One of the most important applications of data envelopment analysis tech-nique is measuring the efficiency of bank branches. Performance measure-ment in the banking industry is important for several groups, including bank managers, customers, investors, and shareholders. The purpose of this study is to examine and design a mixed structure to measure the efficiency of branches of Iranian banks according to their policies. In order to obtain the efficiency of the structure divisions proposed in this study, a slack-based NDEA model was selected to solve its mathematical model. The study sam-ple consists of 31 branches of a large commercial bank in Iran. The ad-vantage of this research to previous studies is that the result will be more realistic considering the inputs and outputs consistent with Iran's banking conditions.

Banks are the financial institutions that collect assets from various sources and allocate them to the sectors that require liquidity. Therefore, banks are an inherent element in the system of every country. As private banks enter financial markets, the demand for diverse banking services increases dramatically. Banks seek to use various techniques to improve their performance in attracting customers to increase their market share and profitability. In this regard, assessing the performance of banks is of utmost importance and has become a major activity of bank managers. With the constant changes in the modern world and incessant attempts of competitors to increase their market share by gaining competitive advantage, special attention should be paid to ambidexterity as a key strategy to increase competitive advantage and achieve high performance in dynamic business environments. The present study aimed to identify the ambidextrous factors affecting the performance of banks and present a model to assess the performance of an ambidextrous bank using an agent-based modeling approach. The main objective of the research is to achieve an applied model for managing the performance of the banking industry. The simulation model is processed using the agent-based modeling approach in AnyLogic software environment.

Several financial soundness frameworks, such as CAMELS, are currently present in the banking industry, but some evidence suggests that the present frameworks have inefficiencies in an Islamic banking environment. This study is aimed at identifying and prioritizing the adjusted financial soundness indicators in Iranian banks. In this paper, the factors affecting financial soundness in banking industry were investigated and rated based on the viewpoints of 382 banking experts. Data gathering is done by designing a questionnaire. The research method is descriptive-correlation. For data analysis and the testing of the hypotheses, R-test software and confirmatory factor analysis have been used. TOPSIS method is used to rate the indicators from the points of view of senior banking managers. The findings showed capital adequacy, asset quality, profitability, liquidity, management quality, sensitivity to market risk, Islamic banking, corporate governance, and facilities with technical and economic backing affect the financial soundness of banks, while the liquidity and profitability indexes have the most impact.

Increasing competition is one of the characteristics for the market environment in the last few decades. As competition intensifies, decision making and policy making become more complicated for survival or victory in the market, and managers are noticing that short-term plans and incoherent efforts is not enough to solve complex organizational issues. Nowadays, the organizational space, working methods, individual’s relationships, communication-information systems and the adapting unpredictable requirements of the future years must be considered for programming. In this research, 30 Sepah Bank’s marketing strategies explained by experts were evaluated by customers and staff with two separated questionnaires in two stages. The results show that the views of customers and employees are different on the prioritization of strategies.

The costs of retaining an existing customer are one fifth of the costs of acquiring a new customer for a firm. This statement is considered as a predominant notion in marketing. According to this notion, existing customers switching of a firm leads to create lots of costs for that firm. Therefore, the present study has been conducted with the aim of finding the causes of the switching intentions and influential factors on the customers switching intentions in Iran Banking Industry. This study is a descriptive-survey research carried out on Iran Banking Industry. 397 customers from five selected banks in Tehran were chosen for this research. In order to examine and analyze the [R1] data, Structural Equation Modeling (SEM), Confirmatory Factor Analysis (CFA) and one-way Analysis of Variance (ANOVA) have been used. “Satisfaction”, “trust”, “loyalty” and “switching barriers” are considered as the main factors weakening “switching intention”. The findings confirmed that the variables of satisfaction, trust and loyalty have significant negative impacts on the switching intention, but the impact of the switching barriers on the switching intention in Iran banking was not significant. The present research has been conducted only on banking services industry and only in Tehran which reduces the generalizing effect of the study. Moreover, quantitative analysis methods were used in order to evaluate the subjective factors such as customer switching behavior. [R1]Not Of

Nowadays, the great benefits of cloud computing have dramatically increased the number of e-banking users. Hence, the competition in the banking industry has boosted and managers need to evaluate their branches on a regular basis. To this end, this study aims to evaluate cloud-based banking systems based on the Quality of Service (QoS) attributes using the Dynamic Network Data Envelopment Analysis (DNDEA) model. The main advantage of this research is that the efficiency of cloud-based bank branches can be estimated more realistically according to their internal structure over a specific time span. To conduct the experiment, 40 bank branches in Iran are analyzed by considering between-period and divisional interactions during 2018-2019. A cloud-based bank branch is conceptualized as a set of three inter-connected divisions including capabilities, intermediate process, and profitabilities. Some outputs of sub-DMUs 2 and 3 are treated as desirable and undesirable carry-overs between consecutive periods. In addition, the cost items and QoS attributes are considered as the inputs and outputs of divisions, respectively. The results indicate that 28 bank branches were efficient and all of the inefficiencies fall in divisions 1 and 3. Moreover, the number of efficient branches has been reduced from 2018 to 2019.

The primary purpose of this research is to investigate the impacts of corporate governance on credit risk in the Iranian banking industry. The sample consists of 20 banks listed on the Tehran Stock Exchange during 2011-2016, using panel data. In this research, credit risk and corporate governance are the dependent and independent variables, respectively. The meta-synthesis method was used for compiling a checklist of corporate governance indicators. Then, the content analysis method was applied for measuring the corporate governance index; i.e., the number of dimensions disclosed on the total number of disclosable dimensions. The results indicate that after adjusting the control variables namely the size, the financial leverage, the ratio of capital adequacy, the GDP and inflation, there is a significant negative relationship between corporate governance quality and the credit risk, which means more effective corporate governance will reduce information asymmetry, increases the clarity and stakeholder confidence, and finally reduces banks’ credit risk. Accordingly, the final recommendation is to reduce credit risk by improving the mechanisms of corporate governance in the Iranian banking industry.

The purpose of this paper is to measure the relationship between the functional service recovery and technical service recovery towards customer satisfaction in banking industry. Both functional and technical is equally important in service quality especially in service recovery. The competition among the banking industry especially in major cities in Malaysia is very crucial. The study was conducted in Kuala Lumpur based on the top 10 banks based on the market share. 250 questionnaire distributed but only 212 were usable for the data analysis. The results indicated that both functional and technical service recovery plays important role towards customer satisfaction. Banking services or any financial institution should have focused on both elements in order to provide excellent services that may contribute to customer satisfaction and in the long term lead to customer loyalty

Background: The purpose of this article is to explain how and what is the emerging concept of entrepreneurial marketing through innovative research and effective convergence between marketing and entrepreneurship, and to explain the way of organizing marketing activities in the Iranian banking industry by proposing a logical framework and in this direction emphasize the corporate social responsibility. Method: The present study was a sequential exploration (qualitative and quantitative). In the qualitative phase of the research community, there were experts in the field of entrepreneurship and marketing. Threats of 14 people were purposefully selected. The interview tool was semi-structured. Finally, the data were analyzed by Delphi technique. In the quantitative part it was a descriptive-correlation method. The statistical population was the managers and heads of the country's banks, from which 268 people were randomly selected as a sample. The instrument of the researcher-made questionnaire was a qualitative section and finally the data were analyzed by structural equation method. SPSS26 and Amos software were used for data analysis. Results: In the qualitative section, a total of 73 components were classified into 4 categories: causal, contextual and environmental, and consequences. In the quantitative part, the results of structural equations showed that the research model had a good fit. Conclusion: Entrepreneurial marketing makes the banking industry more dynamic and increases their profitability. With such advantages, if the social responsibility of the company is also considered, it will undoubtedly have undeniable effects on customer loyalty and market ethics. Article number: 8

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).

The current research deals with the modeling of value creation process by using viral marketing in line with branding in the banking industry (case study: Tejarat Bank). This research has a mixed approach based on thematic analysis method and is based on the research objective of exploratory type and the method of collecting information from library and field type. The statistical population for conducting semi-structured interviews included professors, policy makers and marketing managers. Sampling was done by snowball method and data analysis was done using MAXQDA software, in total 69 basic themes and 5 organizing themes were extracted. At the technology level, there are six categories of using appropriate tools, channels and technologies, the type of social network and being popular, advertising campaigns, ease of message transmission, message sharing mechanisms, and at the level of message content, there are five categories of message content: creating a positive attitude in the audience, comprehensibility, Innovation in the message, specialization of the message, non-repetition of the message and the quality level of advertisements, six categories of up-to-date information, comprehensiveness and inclusiveness of advertisements, personalization of the message, usefulness of information, value of the message, accuracy of information and the level of credibility, which include the categories of source reputation, expression Making the product is the functionality of the product. In the quantitative section that was done using Smart pls software, the results showed that among the identified components, the correct targeting component with a path coefficient of 0.557 had the highest path coefficient.

Purpose: Professional development of managers is one of the factors affecting the position of organizations compared to other organizations. Therefore, the present study was conducted to propose a model for professional development of educational managers in the banking industry. Methodology: This study was applied in terms of objective and quantitative in terms of research method. The research population consisted of 280 Bank Sepah branch managers and educational consultants and experts of Sepah Bank headquarters in Tehran in 2021. The sample size was estimated n=161 based on Cochran's formula who were selected by simple random sampling method. For data collection, a researcher-made questionnaire for the professional development of educational managers (78 items) was used, the content validity of which was confirmed by 10 experts, and its reliability was obtained by Cronbach's alpha method above 0.70. Finally, the data were analyzed by exploratory factor analysis (EFA) using SPSS24. Finding: The results of the present study showed that 2 items were excluded due to the factor loading less than 0.40 and the final form of the researcher-made questionnaire for the professional development of educational managers had 76 items and 4 organizational, individual, technological and environmental dimensions and 21 components with the factor loading above 0.40. Accordingly, a 4D model for professional development of educational managers in the banking industry was drawn. Conclusion: According to the results of the present study, for the professional development of educational managers, it is possible to increase its organizational, individual, technological and environmental dimensions through the related components and items.

The research was conducted with the aim of designing a model of brand experience with the citizenship behavior of customers in the banking industry. The research method is qualitative and grounded theory, and it is considered fundamental in terms of its purpose. The statistical population of the research is Tehran banking industry managers with the highest education, experience, authorship, and ideas. In this research, unstructured and in-depth interviews were used to collect data and information. Data and information analysis were done through coding (open, axial, and selective coding) and MAXQDA software. In the end, a qualitative model is presented, which consists of causal conditions (Appropriate internet infrastructure, The emergence of new media, Creating a new form of communication, The proliferation of media, and Internet penetration rate), the main phenomenon (Branding, Brand experience, Brand personality, and Brand interest), intervening conditions (Building trust, Outsourcing, Customer behavior, Customer emotional attraction, Islamic banking, and Advertising), the contextual conditions(Customer behavior, Reproducibility of experience, Communication with customers and Notification), strategies (Accounting system, Systematic control, Low profit and help business, Electronic banking, Human Capital, Speed of service, Structure modification, Networking, Security, Creating competition and Personnel training) and consequences (Brand quality, Originality, Function, Customer satisfaction, and Customer loyalty).

This article examined the organizational ambidexterity model for digital innovation in the banking industry and explained the dimensions of the ambidexterity model in this organization. Regarding intense competition and rapid changes and variations in products, processes, and technologies in today's world, organizations and managers must be ambidextrous to remain successful over time; Ambidexterity means the ability to simultaneously succeed in two contradictory abilities, for example, ambidexterity such as taking advantage of present opportunities, and discovering and creating new opportunities for the future, adaptation, alignment, flexibility, and efficiency. But the key questions are “what are the dimensions and components of organizational ambiguity?”, and “What is the current and favorable situation of Saderat Bank of Iran in this regard? Orienting an organization as an integrated set in order to reach ambidexterity and sustain it requires a set of causal, contextual, interventional, and strategic factors which ultimately lead to the consequences of organizational ambiguity. This study identified the dimensions and components of organizational ambidexterity through reviewing the literature on organizational ambidexterity as well as interviewing an expert group and analyzing their viewpoints. Then, by distributing a researcher-made questionnaire and statistical analysis, it examined the research pattern in the current and desirable situation of the organization.

The purpose of this study was to design and formulate strategic liquidity management strategies in the banking industry. In this research, in order to combine qualitative and quantitative data, a sequential integrated exploratory method will be used, according to the classification model with emphasis on qualitative data. Therefore, according to its objectives, the present study is part of applied research and in terms of the research process is part of descriptive and exploratory research that was conducted in two parts: qualitative and quantitative. The statistical population of the present study was the qualitative part of the managers of the Welfare Bank. The sampling method was to achieve theoretical saturation and 25 people were selected as the sample size. Therefore, a survey was used to collect information and according to the data collection, two types of tools were used to review documents, interviews, and questionnaires, and the evaluation method of the questionnaire was performed with a 5-point Likert scale. The Cronbach's alpha questionnaire was used. SWOT analysis was used to analyze the data. The results showed that the Welfare Bank has many opportunities to develop appropriate liquidity management strategies. As it was observed, the chart stretches towards the opportunities and strengths of the offensive situation, which requires strategic planning to use the strengths and opportunities, and 11 strategies were developed for this purpose.